<SEC-DOCUMENT>0001104659-22-093083.txt : 20220822
<SEC-HEADER>0001104659-22-093083.hdr.sgml : 20220822
<ACCEPTANCE-DATETIME>20220822064547
ACCESSION NUMBER:		0001104659-22-093083
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20220819
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20220822
DATE AS OF CHANGE:		20220822

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-33013
		FILM NUMBER:		221182167

	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>
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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNITED STATES</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>WASHINGTON, D.C. 20549</b></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

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<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FORM <span id="xdx_90B_edei--DocumentType_c20220819__20220819_zMabRiQHMkGa"><ix:nonNumeric contextRef="From2022-08-19to2022-08-19" name="dei:DocumentType">8-K</ix:nonNumeric></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PURSUANT TO SECTION 13 OR 15(D) OF</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">THE SECURITIES EXCHANGE ACT OF 1934</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in its Charter)</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="text-decoration: underline">Not Applicable</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former Name or Former Address, if Changed Since
Last Report)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Check the appropriate box below if the Form 8-K
filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General
Instruction A.2. below):</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_900_edei--WrittenCommunications_c20220819__20220819_z2F0BSwN8ADj"><ix:nonNumeric contextRef="From2022-08-19to2022-08-19" format="ixt:booleanfalse" name="dei:WrittenCommunications">&#168;</ix:nonNumeric></span></span></td><td style="text-align: justify">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td>
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<tr style="vertical-align: top; text-align: justify">
<td style="text-align: left">&#160;</td><td style="text-align: justify">&#160;</td></tr>
<tr style="vertical-align: top; text-align: justify">
<td style="text-align: left"><span style="font-family: Wingdings"><span id="xdx_905_edei--SolicitingMaterial_c20220819__20220819_znBWbXk2FTK8"><ix:nonNumeric contextRef="From2022-08-19to2022-08-19" format="ixt:booleanfalse" name="dei:SolicitingMaterial">&#168;</ix:nonNumeric></span></span></td><td style="text-align: justify">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td>
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<tr style="vertical-align: top; text-align: justify">
<td style="text-align: left">&#160;</td><td style="text-align: justify">&#160;</td></tr>
<tr style="vertical-align: top; text-align: justify">
<td style="text-align: left"><span style="font-family: Wingdings"><span id="xdx_902_edei--PreCommencementTenderOffer_c20220819__20220819_zdmmFUkAGrlc"><ix:nonNumeric contextRef="From2022-08-19to2022-08-19" format="ixt:booleanfalse" name="dei:PreCommencementTenderOffer">&#168;</ix:nonNumeric></span></span></td><td style="text-align: justify">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td>
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<tr style="vertical-align: top; text-align: justify">
<td style="text-align: left">&#160;</td><td style="text-align: justify">&#160;</td></tr>
<tr style="vertical-align: top; text-align: justify">
<td style="text-align: left"><span style="font-family: Wingdings"><span id="xdx_90F_edei--PreCommencementIssuerTenderOffer_c20220819__20220819_zkw7qNc9BUh3"><ix:nonNumeric contextRef="From2022-08-19to2022-08-19" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#168;</ix:nonNumeric></span></span></td><td style="text-align: justify">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Securities registered pursuant to Section&#160;12(b)
of the Act:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Trading</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Symbol(s)</b></p></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #231F20">Indicate by check mark whether the registrant is an
emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #231F20">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt; color: #231F20">Emerging growth company <span style="font-family: Wingdings"><span id="xdx_903_edei--EntityEmergingGrowthCompany_c20220819__20220819_zZ7dZ1CpHl9e"><ix:nonNumeric contextRef="From2022-08-19to2022-08-19" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #231F20">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #231F20">If an emerging growth company, indicate by check mark
if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act. <span style="font-family: Wingdings">&#168;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #231F20">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<!-- Field: Rule-Page --><div style="width: 100%"><div style="border-top: Black 1pt solid; border-bottom: Black 2pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<!-- Field: Page; Sequence: 1 -->
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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  <tr style="vertical-align: top">
    <td style="width: 1in"><b>Item 1.01</b></td>
    <td><b>Entry into a Material Definitive Agreement</b></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On August 19, 2022, Flushing
Financial Corporation (the &#8220;Company&#8221;) and Flushing Bank, the wholly-owned subsidiary of the Company, entered into an underwriting
agreement (the &#8220;Underwriting Agreement&#8221;) with Piper Sandler &amp; Co. and Keefe, Bruyette &amp; Woods, Inc., as representatives
of the underwriters named therein (the &#8220;Underwriters&#8221;) (collectively, the &#8220;Underwriters&#8221;). Pursuant to the terms
of the Underwriting Agreement, the Company agreed to sell, and the Underwriters agreed to purchase, subject to and on the conditions set
forth therein, $65,000,000 aggregate principal amount of the Company&#8217;s 6.000% Fixed-to-Floating Rate Subordinated Notes due 2032
(the &#8220;Notes&#8221;) in a registered public offering pursuant to an effective shelf registration statement on Form S-3 (Registration
File No. 333-260993). The description of the Underwriting Agreement contained herein is qualified in its entirety by reference to the
Underwriting Agreement, a copy of which is included as Exhibit 1.1 to this Current Report on Form 8-K and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On August 22, 2022, the Company
issued a press release announcing the pricing of its offering of the Notes. A copy of the press release is attached hereto as Exhibit
99.1 and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>&#160;</b></p>

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  <tr style="vertical-align: top">
    <td style="width: 1in"><b>Item 9.01.</b></td>
    <td><b>Financial Statements and Exhibits.</b></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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    <td style="border-bottom: Black 1pt solid; width: 0.75in"><span style="font-size: 10pt"><b>Exhibit&#160;No.</b></span></td>
    <td style="border-bottom: Black 1pt solid; width: 0.2in">&#160;</td>
    <td style="border-bottom: Black 1pt solid"><span style="font-size: 10pt"><b>Description</b></span></td></tr>
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    <td>&#160;</td>
    <td style="text-align: center"><a href="tm2224198d1_ex1-1.htm"><span style="font-size: 10pt">1.1</span></a></td>
    <td>&#160;</td>
    <td><a href="tm2224198d1_ex1-1.htm"><span style="font-size: 10pt">Underwriting Agreement, dated as of August 19, 2022, by and among Flushing Financial Corporation, Flushing Bank, Piper Sandler &amp; Co. and Keefe, Bruyette &amp; Woods, Inc., as representatives of the underwriters named therein. </span></a></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td style="text-align: center"><a href="tm2224198d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-size: 10pt">99.1</span></a></td>
    <td>&#160;</td>
    <td><a href="tm2224198d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-size: 10pt">Press Release dated August 22, 2022.</span></a></td></tr>
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    <td>&#160;</td>
    <td style="text-align: center"><span style="font-size: 10pt">104</span></td>
    <td>&#160;</td>
    <td><span style="font-size: 10pt">The cover page from the Company&#8217;s Form 8-K, formatted in Inline XBRL.</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SIGNATURES</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to the requirements
of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto
duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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    <td style="width: 3%; text-align: justify">&#160;</td>
    <td style="width: 47%"><span style="text-transform: uppercase"><b>Flushing </b></span><b>FINANCIAL CORPORATION </b></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: justify">&#160;</td>
    <td style="text-align: justify">&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: justify">&#160;</td>
    <td style="text-align: justify">&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: justify">DATE: August 22, 2022</td>
    <td style="text-align: justify">By:</td>
    <td style="border-bottom: Black 1pt solid; text-align: justify">/s/ Susan K. Cullen</td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: justify">&#160;</td>
    <td style="text-align: justify">&#160;</td>
    <td style="text-align: justify">Susan K. Cullen</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">Senior Executive Vice President and Chief Financial Officer</td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>



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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 1.1</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Flushing Financial Corporation<BR>
<BR>
$65,000,000<BR>
<BR>
6.000% Fixed-to-Floating Rate Subordinated Notes due&#8239;2032<BR>
<BR>
UNDERWRITING AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">August&#8239;19, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.5in">Piper Sandler &amp; Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.5in">Keefe, Bruyette &amp; Woods, Inc.,<BR>
as Representatives of the Underwriters<BR>
named in <U>Schedule&#8239;I</U> hereto,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Piper Sandler &amp; Co.<BR>
1251 Avenue of the Americas, 6th Floor<BR>
New York, New York&#8239;10020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Keefe, Bruyette &amp; Woods, Inc.<BR>
787 Seventh Avenue, 4th Floor<BR>
New York, New York&#8239;10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">FLUSHING FINANCIAL CORPORATION,
a Delaware corporation (the &ldquo;<B>Company</B>&rdquo;), proposes, subject to the terms and conditions stated herein, to issue and sell
to the underwriters named in <U>Schedule&#8239;I</U> hereto (each, an &ldquo;<B>Underwriter</B>&rdquo; and, collectively, the &ldquo;<B>Underwriters</B>&rdquo;),
for whom Piper Sandler &amp; Co. and Keefe, Bruyette &amp; Woods, Inc. are acting as representatives (the &ldquo;<B>Representatives</B>&rdquo;),
$65,000,000 principal amount of its&#8239;6.000% Fixed-to-Floating Rate Subordinated Notes due&#8239;2032 (each a &ldquo;<B>Note</B>&rdquo;
and collectively, the <B>Notes</B>&rdquo;). The Notes will be issued pursuant to a Subordinated Indenture, to be dated as of November&#8239;22,
2021, and a Second Supplemental Indenture to be dated as of August 24, 2022 (collectively, the &ldquo;<B>Indenture</B>&rdquo;), between
the Company and Wilmington Trust, National Association, as trustee (the &ldquo;<B>Trustee</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(a) &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The Company represents and warrants to each of the several Underwriters, as of the date hereof, as of the Closing Date (as
defined below) (each such date, a &ldquo;<B>Representation Date</B>&rdquo;), and as of the Applicable Time referred to in Section&#8239;1(a)(v)
hereof, and agrees with each of the several Underwriters, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company has prepared and filed with the Securities and Exchange Commission (the &ldquo;<B>Commission</B>&rdquo;) an &ldquo;automatic
shelf registration statement&rdquo; (as defined in Rule&#8239;405 (&ldquo;<B>Rule&#8239;405</B>&rdquo;) of the rules and regulations&#8239;(the
 &ldquo;<B>1933 Act Regulations</B>&rdquo;) of the Commission under the Securities Act of&#8239;1933, as amended (the &ldquo;<B>1933 Act</B>&rdquo;))
on Form&#8239;S-3 (Registration No. 333-260993), including each preliminary prospectus or prospectus included therein, which registration
statement became effective upon filing under Rule&#8239;462(e) (&ldquo;<B>Rule&#8239;462(e)</B>&rdquo;) of the&#8239;1933 Act Regulations,
and the Indenture has been duly qualified under the Trust Indenture Act of&#8239;1939, as amended, and the rules and regulations of the
Commission thereunder (collectively, the &ldquo;<B>TIA</B>&rdquo;), and the Company has filed such post-effective amendments thereto as
may be required prior to the execution of this Agreement and each such post-effective amendment is effective under the&#8239;1933 Act.
Such registration statement covers the registration of the Notes under the&#8239;1933 Act. Promptly after execution and delivery of this
Agreement, the Company will prepare and file a final prospectus supplement with respect to the Notes and the Base Prospectus (as defined
below) in accordance with the provisions of Rule&#8239;430B (&ldquo;<B>Rule&#8239;430B</B>&rdquo;) of the&#8239;1933 Act Regulations and
paragraph&#8239;(b) of Rule&#8239;424 (&ldquo;<B>Rule&#8239;424(b)</B>&rdquo;) of the&#8239;1933 Act Regulations. Any information included
in each such final prospectus supplement or the Base Prospectus that was omitted from such registration statement at the time it became
effective but that is deemed to be part of and included in such registration statement pursuant to Rule&#8239;430B is referred to as &ldquo;<B>Rule&#8239;430B
Information</B>.&rdquo; Each prospectus, together with the related prospectus supplement, used in connection with the offering of the
Notes that omitted the Rule&#8239;430B Information or that was captioned &ldquo;Subject to Completion&rdquo; (or a similar caption) is
herein called, together with the documents incorporated and deemed to be incorporated by reference therein pursuant to Item&#8239;12 of
Form&#8239;S-3 under the&#8239;1933 Act, a &ldquo;<B>preliminary prospectus</B>&rdquo; and all references herein to any &ldquo;preliminary
prospectus&rdquo; shall be deemed to mean and include, without limitation, the Statutory Prospectus (as defined below) and each &ldquo;preliminary
prospectus&rdquo; included in the registration statement referred to above. Such registration statement, at any given time, including
the amendments thereto at such time, the exhibits and any schedules thereto at such time, the documents incorporated and deemed to be
incorporated by reference therein pursuant to Item&#8239;12 of Form&#8239;S-3 under the&#8239;1933 Act at such time, and the documents and
information (including, without limitation, any Rule&#8239;430B Information) otherwise deemed to be a part thereof or included therein
by&#8239;1933 Act Regulations at such time, is herein called the &ldquo;<B>Registration Statement</B>.&rdquo; The Company&rsquo;s prospectus
dated November&#8239;12, 2021 (the &ldquo;<B>Base Prospectus</B>&rdquo;) and the prospectus supplement dated as of the date hereof, relating
to the offering of the Notes in the form first furnished to the Underwriters by the Company for use in connection with the offering of
the Notes (whether to meet the requests of purchasers pursuant to Rule&#8239;173 (&ldquo;<B>Rule&#8239;173</B>&rdquo;) under the&#8239;1933
Act Regulations or otherwise), including the documents incorporated and deemed to be incorporated by reference therein pursuant to Item&#8239;12
of Form&#8239;S-3 under the&#8239;1933 Act at such time, are hereinafter called, collectively, the &ldquo;<B>Prospectus</B>.&rdquo; For
purposes of this Agreement, all references to the Registration Statement, any preliminary prospectus, the Prospectus, any Issuer-Represented
Free Writing Prospectus (as defined below) or any amendment or supplement to any of the foregoing shall be deemed to include the copy
filed with the Commission pursuant to its Electronic Data Gathering, Analysis and Retrieval system (&ldquo;<B>EDGAR</B>&rdquo;). The Company
meets the requirements for use of Form&#8239;S-3 under the&#8239;1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the event that the Company
shall file a registration statement pursuant to Rule&#8239;462(b) under the&#8239;1933 Act (a &ldquo;<B>Rule&#8239;462(b) Registration Statement</B>&rdquo;)
in connection with the offering of the Notes, then, from and after the date of such filing, all references herein to the &ldquo;Registration
Statement&rdquo; shall be deemed to mean and include such Rule&#8239;462(b) Registration Statement, <U>mutatis mutandis</U>, unless otherwise
expressly stated or the context otherwise requires.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All references in this Agreement
to financial statements and schedules and other information which is &ldquo;contained,&rdquo; &ldquo;included&rdquo; or &ldquo;stated&rdquo;
(or other references of like import) in the Registration Statement, any preliminary prospectus or the Prospectus shall be deemed to mean
and include all such financial statements and schedules and other information which is incorporated or deemed to be incorporated by reference
in, or otherwise deemed by the&#8239;1933 Act Regulations&#8239;(including, without limitation, pursuant to Rule&#8239;430B(f) of the&#8239;1933
Act Regulations) to be a part of or included in, the Registration Statement, such preliminary prospectus or the Prospectus, as the case
may be; and all references in this Agreement to amendments or supplements to the Registration Statement, any preliminary prospectus or
the Prospectus shall be deemed to mean and include the filing of any document under the Securities Exchange Act of&#8239;1934, as amended
(the &ldquo;<B>1934 Act</B>&rdquo;),which is incorporated or deemed to be incorporated by reference in the Registration Statement, such
preliminary prospectus, the Statutory Prospectus or the Prospectus, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>At the time of filing the Registration Statement, at the time of each subsequent amendment to the Registration Statement for the
purposes of complying with Section&#8239;10(a)(3) of the&#8239;1933 Act (whether such amendment was by post-effective amendment, incorporated
report filed pursuant to Section&#8239;13 or&#8239;15(d) of the&#8239;1934 Act or form of prospectus), at the time the Company or any person
acting on its behalf (within the meaning, for this subsection only, of Rule&#8239;163(c) of the&#8239;1933 Act Regulations) made any offer
relating to the Notes in reliance on the exemption of Rule&#8239;163 of the&#8239;1933 Act Regulations, at the Applicable Time and at each
Representation Date, the Company is, was and will be a &ldquo;well-known seasoned issuer&rdquo; (as defined in Rule&#8239;405), including
not being an &ldquo;ineligible issuer&rdquo; (as defined in Rule&#8239;405). The Registration Statement is an &ldquo;automatic shelf registration
statement&rdquo; (as defined in Rule&#8239;405), and the Notes, as of the date of their registration on the Registration Statement, were,
and, as of each Representation Date, remained, remain and will remain eligible for registration by the Company on an &ldquo;automatic
shelf registration statement&rdquo; under Rule&#8239;405. The Company has not received from the Commission any notice pursuant to Rule&#8239;401(g)(2)
of the&#8239;1933 Act Regulations objecting to the use of the automatic shelf registration statement form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the earliest time that
the Company or another offering participant made a bona fide offer (within the meaning of Rule&#8239;164(h)(2) of the&#8239;1933 Act Regulations)
of the Notes, the Company was not, nor is an &lsquo;&lsquo;ineligible issuer,&rdquo; as defined in Rule&#8239;405.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Registration Statement became effective upon filing under Rule&#8239;462(e) on November&#8239;12, 2021 and any post-effective
amendments thereto also became effective upon filing under Rule&#8239;462(e). Any Rule&#8239;462(b) Registration Statement has become or
will become effective upon filing thereof with the Commission. No stop order suspending the effectiveness of the Registration Statement
or any Rule&#8239;462(b) Registration Statement has been issued under the&#8239;1933 Act and no proceedings for that purpose have been instituted
or are pending or, to the knowledge of the Company, are contemplated by the Commission, and any request on the part of the Commission
for additional information with respect to the Registration Statement&#8239;(or any document incorporated or deemed to be incorporated
therein by reference pursuant to the&#8239;1934 Act) has been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>At the respective times the Registration Statement, any amendment thereto, and any Rule&#8239;462(b) Registration Statement became
effective, at the time the Company&rsquo;s most recent Annual Report on Form&#8239;10-K was filed with the Commission, at each &ldquo;new
effective date&rdquo; with respect to the Underwriters pursuant to Rule&#8239;430B(f)(2) of the&#8239;1933 Act Regulations, and at the Applicable
Time and each Representation Date, the Registration Statement and any amendments thereto complied, comply and will comply in all material
respects with the requirements of the&#8239;1933 Act, the&#8239;1933 Act Regulations and the TIA, and did not, do not and will not contain
an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements
therein not misleading; provided, that the Company makes no representation and warranty with respect to that part of the Registration
Statement that constitutes the Statement of Eligibility and Qualification (Form&#8239;T-1) of the Trustee under the TIA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As of the date the Prospectus
or any amendment or supplement thereto was issued and as of each Representation Date, neither the Prospectus nor any amendment or supplement
thereto included, includes or will include an untrue statement of a material fact or omitted, omits or will omit to state a material fact
necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each preliminary prospectus
filed as part of the Registration Statement as originally filed or as part of any amendment thereto, or filed pursuant to Rule&#8239;424(b)
under the&#8239;1933 Act, complied when so filed (or, in the case of any preliminary prospectus or part thereof that was not filed as part
of the Registration Statement or any amendment thereto or pursuant to Rule&#8239;424(b), complied as of its date), and each Prospectus
and any amendments or supplements thereto filed pursuant to Rule&#8239;424(b) under the&#8239;1933 Act complied when so filed (or, in the
case of any Prospectus or amendment or supplement thereto that was not filed pursuant to Rule&#8239;424(b), complied as of its date), in
all material respects with the&#8239;1933 Act and the&#8239;1933 Act Regulations and each preliminary prospectus and the Prospectus and
any amendments or supplements thereto delivered to the Underwriters for use in connection with the offering of the Notes (whether to meet
requests of purchasers pursuant to Rule&#8239;173 or otherwise) was identical, except for any <I>de minimis</I> changes, to the electronically
transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation&#8239;S-T.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>As of the Applicable Time, neither (x)&#8239;all Issuer-Represented General Use Free Writing Prospectuses (as defined below) issued
at or prior to the Applicable Time, as applicable, the Final Term Sheet and the Statutory Prospectus, all considered together (collectively,
the &ldquo;<B>General Disclosure Package</B>&rdquo;), nor (y)&#8239;any individual Issuer-Represented Limited-Use Free Writing Prospectus
(as defined below), when considered together with the General Disclosure Package, included an untrue statement of a material fact or omitted
to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made,
not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As used in this <U>Section&#8239;1(a)(v)</U>
and elsewhere in this Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Applicable Time</B>&rdquo;
means&#8239;11:35 a.m. (New York City time) on August 19, 2022, or such other date or time as agreed by the Company and the Representatives
in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Final Term Sheet</B>&rdquo;
means the final term sheet set forth on <U>Schedule&#8239;III</U> hereto, reflecting the final terms of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Issuer-Represented
Free Writing Prospectus</B>&rdquo; means any &ldquo;issuer free writing prospectus,&rdquo; as defined in Rule&#8239;433 of the&#8239;1933
Act Regulations&#8239;(&ldquo;<B>Rule&#8239;433</B>&rdquo;), relating to the Notes (including, without limitation, any such issuer free
writing prospectus that (i)&#8239;is required to be filed with the Commission by the Company, (ii)&#8239;is a &lsquo;&lsquo;road show that
is a written communication&rdquo; within the meaning of Rule&#8239;433(d)(8)(i),whether or not required to be filed with the Commission
or (iii)&#8239;is exempt from filing pursuant to Rule&#8239;433(d)(5)(i) because it contains a description of the Notes or of the offering
that does not reflect the final terms), in each case in the form filed or required to be filed with the Commission or, if not required
to be filed, in the form retained in the Company&rsquo;s records pursuant to Rule&#8239;433(g).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Issuer-Represented
General Use Free Writing Prospectus</B>&rdquo; means any Issuer-Represented Free Writing Prospectus that is intended for general distribution
to prospective investors, as evidenced by its being specified in <U>Schedule&#8239;II</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Issuer-Represented
Limited-Use Free Writing Prospectus</B>&rdquo; means any Issuer-Represented Free Writing Prospectus that is not an Issuer-Represented
General Use Free Writing Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Statutory Prospectus</B>&rdquo;
means, at any time, the Base Prospectus and the preliminary prospectus supplement dated August 15, 2022, relating to the offering of the
Notes, in the form first furnished to the Underwriters by the Company for use in connection with the offering of the Notes, including
the documents incorporated and deemed to be incorporated by reference therein pursuant to Item&#8239;12 of Form&#8239;S-3 under the&#8239;1933
Act at such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Issuer-Represented Free
Writing Prospectus, as of its issue date and at all subsequent times through the completion of the public offering and sale of the Notes,
did not, does not and will not include any information that materially conflicted, conflicts or will conflict with the information contained
in the Registration Statement, the Statutory Prospectus or the Prospectus, in each case including the documents incorporated and deemed
to be incorporated by reference therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The representations and warranties
in this <U>Section l(a)(v)</U> shall not apply to statements in or omissions from the Registration Statement, the General Disclosure Package,
the Prospectus or any Issuer-Represented Free Writing Prospectus made in reliance upon and in conformity with written information furnished
to the Company by the Underwriters through the Representatives expressly for use therein, it being understood and agreed that the only
such information furnished by the Underwriters consists of the Underwriters&rsquo; Information (as defined below) described as such in
<U>Section&#8239;8</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company has not prepared, made, used, authorized, approved or distributed and will not, and will not cause or allow its agents
or representatives to, prepare, make, use, authorize, approve or distribute any written communication that constitutes an offer to sell
or a solicitation of an offer to buy the Notes, or otherwise is prepared to market the Notes, other than the Registration Statement, the
General Disclosure Package, the Prospectus or any Issuer-Represented Free Writing Prospectus reviewed and consented to by the Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The documents incorporated or deemed to be incorporated by reference in the Registration Statement, the General Disclosure Package,
or the Prospectus, at the respective time they were or hereafter are filed with the Commission, complied, comply and will comply in all
material respects with the requirements of the&#8239;1934 Act and the rules and regulations of the Commission thereunder (the &ldquo;<B>1934
Act Regulations</B>&rdquo;), and did not, do not and will not contain an untrue statement of a material fact or omit to state a material
fact required to be stated therein or necessary in order to make the statements therein, in the light of the circumstances under which
they were made, not misleading. There are no material contracts or other documents required to be described in such incorporated documents
or the Registration Statement, the General Disclosure Package or the Prospectus or to be filed as exhibits to such incorporated documents
or the Registration Statement, the General Disclosure Package or the Prospectus which have not been described or filed as required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(viii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The statements set forth in the Statutory Prospectus or the Prospectus under the captions &ldquo;Risk Factors,&rdquo; &ldquo;Description
of Capital Stock,&rdquo; &ldquo;Description of Debt Securities,&rdquo; and &ldquo;Description of Notes,&rdquo; insofar as they purport
to constitute a summary of the terms of the Notes or certain provisions of the Company&rsquo;s amended certificate of incorporation and
amended and restated bylaws or Delaware law, and under the caption &ldquo;Regulation&rdquo; in the Company&rsquo;s Annual Report on Form&#8239;10-K
for the year ended December&#8239;31, 2021, insofar as they purport to describe the provisions of the laws, rules, regulations and documents
referred to therein, are accurate and complete in all material respects. Each Transaction Document (as defined below) conforms in all
material respects to the description thereof contained in the Registration Statement, General Disclosure Package, and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company is a corporation duly incorporated, validly existing and in good standing under the laws of the State of Delaware and
the Company is qualified to do business as a foreign corporation in each jurisdiction in which qualification is required, except where
failure to so qualify would not reasonably be expected to have a Material Adverse Effect (as defined below). The Company does not own
or control, directly or indirectly, any corporation, association or other entity other than the subsidiaries listed on <U>Annex&#8239;III</U>
(the &ldquo;<B>Subsidiaries</B>&rdquo;). The Company does not have any significant subsidiaries (as defined in Rule&#8239;1-02 of Regulation&#8239;S-X
(a &ldquo;<B>Significant Subsidiary</B>&rdquo;)) other than Subsidiaries listed on Exhibit&#8239;21 to the Company&rsquo;s most recent
Annual Report on Form&#8239;10-K filed with the Commission. Each Subsidiary is duly incorporated, validly existing and in good standing
under the laws of its jurisdiction of incorporation with power and authority to own its properties and conduct its business as described
in each of the General Disclosure Package and the Prospectus, and is qualified to do business as a foreign corporation in each jurisdiction
in which qualification is required, except where failure to so qualify would not reasonably be expected to have a Material Adverse Effect
(as defined below).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(x)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Subsequent to the respective dates as of which information is contained in the Registration Statement, the General Disclosure Package
and the Prospectus, except as disclosed therein, (i)&#8239;neither the Company nor any of the Subsidiaries has incurred any liabilities,
direct or contingent, including without limitation any losses or interference with its business from fire, explosion, flood, earthquakes,
accident or other calamity, whether or not covered by insurance, or from any strike, labor dispute or court or governmental action, order
or decree, that would have a Material Adverse Effect (as defined below), or has entered into any transactions not in the ordinary course
of business that are material to the Company and the Subsidiaries taken as a whole, (ii)&#8239;there has not been any material decrease
in the capital stock or any material increase in any short-term or long-term indebtedness of the Company or the Subsidiaries, or any payment
of or declaration to pay any dividends or any other distribution with respect to the Company, other than cash or stock dividends in the
normal course of business consistent with past practice, and (iii)&#8239;there has not been any material adverse change in the properties,
business, financial prospects, operations, earnings, assets, liabilities or condition (financial or otherwise) of the Company and the
Subsidiaries, taken as a whole (a &ldquo;<B>Material Adverse Effect</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company is duly registered as a bank holding company under the Bank Holding Company Act of&#8239;1956, as amended. Flushing
Bank (the &ldquo;<B>Bank</B>&rdquo;) holds the requisite authority to do business as a state chartered banking association as described
in each of the General Disclosure Package and the Prospectus. The Company and each Subsidiary are in compliance with all laws administered
by the Federal Deposit Insurance Corporation (the &ldquo;<B>FDIC</B>&rdquo;), the Board of Governors of the Federal Reserve System (the
 &ldquo;<B>Federal Reserve</B>&rdquo;) and any other federal or state bank regulatory authorities with jurisdiction over the Company and
its Subsidiaries, except for failures to be so in compliance that would not, individually or in the aggregate, reasonably be expected
to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>As of the date of this Agreement, the Company is an &ldquo;experienced issuer&rdquo; as such term is defined in Rule 5110(j)(6)
of the Financial Industry Regulatory Authority, Inc. (&ldquo;<B>FINRA</B>&rdquo;) Manual.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company has an authorized capitalization as set forth in each of the General Disclosure Package and the Prospectus under the
heading &ldquo;Capitalization.&rdquo; With respect to each of the Subsidiaries, all the issued and outstanding shares of such Subsidiary&rsquo;s
capital stock have been duly authorized and validly issued, are fully paid and nonassessable, are owned directly by the Company or one
of its Subsidiaries free and clear of any liens, claims or encumbrances. The authorized capital stock of the Company conforms and will
conform in all material respects as to legal matters to the description thereof contained in the Registration Statement, the General Disclosure
Package and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Notes have been duly authorized by the Company and, when duly executed, authenticated, issued and delivered as provided in
the Indenture and paid for in the manner set forth in this Agreement, will constitute valid and legally binding obligations of the Company
enforceable against the Company in accordance with their terms, except as such enforceability may be limited by applicable bankruptcy,
insolvency, fraudulent conveyance, reorganization, moratorium or other similar laws relating to or affecting enforcement of creditors&rsquo;
rights generally, and general equitable principles relating to the availability of remedies, and will be entitled to the benefits of the
Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Indenture has been duly authorized by the Company and is duly qualified under the TIA and, when duly executed and delivered
in accordance with its terms by each of the parties thereto, will constitute a valid and legally binding agreement of the Company enforceable
against the Company in accordance with its terms, except as such enforceability may be limited by applicable bankruptcy, insolvency, fraudulent
conveyance, reorganization, moratorium or other similar laws relating to or affecting enforcement of creditors&rsquo; rights generally,
and general equitable principles relating to the availability of remedies, and will conform to the description thereof contained in each
of the Registration Statement, the General Disclosure Package and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xvi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Notes and the Indenture will conform in all material respects to the respective statements relating thereto contained in the
Registration Statement, the General Disclosure Package and the Prospectus and will be in substantially the respective forms filed or incorporated
by reference, as the case may be, as exhibits to the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xvii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company has the requisite corporate power and authority to enter into this Agreement, the Notes and the Indenture (collectively,
the &ldquo;<B>Transaction Documents</B>&rdquo;) and to perform its obligations contemplated hereby and thereby. This Agreement has been
duly authorized, executed and delivered by the Company and all action required to be taken by the Company for the due and proper authorization,
execution and delivery of each of the Transaction Documents and the consummation of the transactions contemplated thereby has been, or,
for the Transaction Documents other than this Agreement, will be prior to the Closing Date, duly and validly taken. This Agreement constitutes
a legal, valid and binding agreement of the Company, enforceable against the Company in accordance with its terms, except as enforceability
may be limited by applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium or other laws of general application
relating to or affecting the enforcement of creditors&rsquo; rights and the application of equitable principles relating to the availability
of remedies, and subject to&#8239;12 U.S.C. &sect; 1818(b)(6)(D) (or any successor statute) and similar bank regulatory powers and the
application of principles of public policy, and except as rights to indemnity or contribution, including but not limited to, indemnification
provisions set forth in <U>Section&#8239;8</U> of this Agreement, may be limited by federal or state securities law or the public policy
underlying such laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xviii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Any and all material swaps, caps, floors, futures, forward contracts, option agreements (other than stock options issued to the
Company&rsquo;s employees, directors, agents or consultants) and other derivative financial instruments, contracts or arrangements, whether
entered into for the account of the Company or one of the Subsidiaries or for the account of a customer of the Company or one of the Subsidiaries,
were entered into in the ordinary course of business and in accordance in all material respects with applicable laws, rules, regulations
and policies of all applicable regulatory agencies and with counterparties believed by the Company to be financially responsible at the
time. The Company and each of the Subsidiaries have duly performed in all material respects all of their obligations thereunder to the
extent that such obligations to perform have accrued, and there are no breaches, violations or defaults or allegations or assertions of
such by any party thereunder which would, individually or in the aggregate, reasonably be expected to result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>BDO USA, LLP, who has certified and expressed its opinion with respect to certain of the consolidated financial statements incorporated
by reference in the Registration Statement, the General Disclosure Package and the Prospectus, is an independent public accounting firm
as required by the&#8239;1933 Act and the&#8239;1933 Act Regulations and by the rules of the Public Company Accounting Oversight Board and
BDO USA, LLP is not in violation of the auditor independence requirements of the Sarbanes-Oxley Act of&#8239;2002 with respect to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xx)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The execution, delivery and performance by the Company of the Transaction Documents, the issuance and sale of the Notes by the
Company, the compliance by the Company with all of the provisions of the Transaction Documents and the consummation of the transactions
contemplated by the Transaction Documents (including, without limitation, the use of proceeds from the sale of the Notes as described
in the Statutory Prospectus or the Prospectus under the caption &ldquo;Use of Proceeds&rdquo;), do not and will not (i)&#8239;violate or
conflict with any provision of the amended certificate of incorporation or amended and restated bylaws of the Company, each as amended
through the date hereof, or the organizational documents of any Subsidiary and (ii)&#8239;except as would not reasonably be expected to
result in a Material Adverse Effect and will not materially and adversely affect the Company&rsquo;s ability to consummate the transactions
contemplated by this Agreement, will not (x)&#8239;result in the creation of any lien, charge, security interest or encumbrance upon any
assets of the Company or any Subsidiary pursuant to the terms or provisions of, and will not conflict with, result in the breach or violation
of, or constitute, either by itself or upon notice or the passage of time or both, a default under, or give rise to the accelerated due
date of any payment due under, any agreement, mortgage, deed of trust, lease, franchise, license, indenture, permit or other instrument
to which the Company or any Subsidiary is a party or by which the Company or any Subsidiary or their respective properties may be bound
or affected or (y)&#8239;violate any statute or any authorization, judgment, decree, order, rule or regulation of any court or any regulatory
body, administrative agency or other governmental agency or body applicable to the Company or any Subsidiary or any of their respective
properties. All consents, approvals, licenses, qualifications, authorizations or other orders of any court, regulatory body, administrative
agency or other governmental agency or body that are required for the execution and delivery of the Transaction Documents or the consummation
of the transactions contemplated by the Transaction Documents, including the issuance, sale, authentication and delivery of the Notes,
have been obtained, except such consents, approvals authorizations, registrations or qualifications as may be required under state securities
or Blue Sky laws in connection with the purchase and distribution of the Notes by the Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>No &ldquo;nationally recognized statistical rating organization&rdquo; (as defined in Rule&#8239;436(g)(2) under the&#8239;1933 Act)
(i)&#8239;has imposed (or has informed the Company that it is considering imposing) any condition (financial or otherwise) to retain any
rating assigned to the Company or any of its Subsidiaries or to any securities of the Company or any of its Subsidiaries or (ii)&#8239;has
indicated to the Company that it is considering (A)&#8239;the downgrading, suspension, or withdrawal of or any review (or of any potential
or intended review) for a possible adverse change in, any rating so assigned (including, without limitation, the placing of any of the
foregoing ratings on credit watch with negative or developing implications or under review with an uncertain direction) or (B)&#8239;any
adverse change in the outlook for any rating of the Company or any of its Subsidiaries or any securities of the Company or any of its
Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>No person has the right to require the Company or any of its Subsidiaries to register any securities for sale under the 1933 Act
by reason of the filing of the Registration Statement with the Commission or the issuance and sale of the Notes to be sold by the Company
hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxiii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as would not reasonably be expected to have a Material Adverse Effect, the material contracts to which the Company or any
of its Subsidiaries is a party, have been duly and validly authorized, executed and delivered by the Company or its Subsidiaries, as the
case may be, and constitute the legal, valid and binding agreements of the Company or its Subsidiaries, as the case may be, enforceable
by and against it or its Subsidiaries, as the case may be, in accordance with their respective terms, except as such enforceability may
be limited by applicable bankruptcy, insolvency, reorganization or other similar laws relating to enforcement of creditors&rsquo; rights
generally, and general equitable principles relating to the availability of remedies, and subject to 12 U.S.C. &sect; 1818(b)(6)(D) (or
any successor statute) and similar bank regulatory powers and to the application of principles of public policy, and except as rights
to indemnity or contribution may be limited by federal or state securities laws and the public policy underlying such laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxiv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
deposit accounts of the Bank are insured by the Deposit Insurance Fund to the fullest extent permitted by the law and the rules and regulations
of the FDIC and no proceeding for the revocation or termination of such deposit insurance has been instituted or is pending or, to the
knowledge of the Company, is threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as disclosed in each of the Registration Statement, the General Disclosure Package and the Prospectus, there are no legal
or governmental actions, suits or proceedings pending or, to the Company&rsquo;s knowledge, threatened against the Company or any Subsidiary
before or by any court, regulatory body or administrative agency or any other governmental agency or body, domestic, or foreign, which
actions, suits or proceedings, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect; and no
labor disturbance by the employees of the Company exists or, to the Company&rsquo;s knowledge, is imminent, that would reasonably be expected
to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxvi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as disclosed in each of the General Disclosure Package and the Prospectus, no Subsidiary of the Company is currently prohibited,
directly or indirectly, under any order of the FDIC or the Federal Reserve (other than orders applicable to banks and their holding companies
and their subsidiaries generally) or any other federal or state bank regulatory authorities with jurisdiction over any Subsidiary, under
any applicable law, or under any agreement or other instrument to which it is a party or is subject, from paying any dividends to the
Company, from making any other distribution on such Subsidiary&rsquo;s capital stock, from repaying to the Company any loans or advances
to such Subsidiary from the Company or from transferring any of such Subsidiary&rsquo;s properties or assets to the Company or any other
Subsidiary of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxvii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company and each Subsidiary has good and marketable title in fee simple (in the case of real property) to, or have valid and
marketable rights to lease or otherwise use, all items of real and personal property and assets that are material to the business of the
Company and its Subsidiaries, in each case free and clear of all liens, mortgages, pledges, or encumbrances of any kind except (i)&#8239;those
that do not materially interfere with the use made and proposed to be made of such property by the Company and its Subsidiaries, or (ii)&#8239;those
that would not reasonably be expected to have a Material Adverse Effect. Any real property and buildings held under lease or sublease
by the Company or any of its Subsidiaries are held under valid, subsisting and enforceable leases. Neither the Company nor any Subsidiary
has any notice of any claim that has been asserted by anyone adverse to the rights of the Company or any of its Subsidiaries under any
of the leases or subleases mentioned above, or affecting or questioning the rights of the Company or any Subsidiary thereof to the continued
possession of the leased or subleased premises under any such lease or sublease, except claims that would not be reasonably expected to
have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxviii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;
</FONT>Except as disclosed in the Registration Statement, the General Disclosure Package and the Prospectus, neither the Company nor any
of its Subsidiaries is a party to a letter of intent, accepted term sheet or similar instrument or any binding agreement that contemplates
an acquisition, disposition, transfer or sale of the assets (as a going concern) or capital stock of the Company or of any Subsidiary
or business unit or any similar business combination transaction which would be material to the Company and its Subsidiaries taken as
a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as disclosed in each of the General Disclosure Package and the Prospectus, since December&#8239;31, 2021, (i)&#8239;the Company
and its Subsidiaries have conducted their respective businesses in all material respects in the ordinary course, consistent with prior
practice, (ii)&#8239;except for publicly disclosed ordinary stock dividends on its Common Stock, the Company has not made or declared any
distribution in cash or in kind to its shareholders, (iii)&#8239;neither the Company nor any of its Subsidiaries has issued any capital
stock or securities issuable into capital stock except for securities issued pursuant to the Company&rsquo;s existing shareholder-approved
equity incentive plans, except for publicly disclosed ordinary stock dividends on its Common Stock, (iv)&#8239;neither the Company nor
its Subsidiaries has incurred any liabilities or obligations of any nature (absolute, accrued, contingent or otherwise) which are not
fully reflected or reserved against in the financial statements described in <U>Section&#8239;1(a)(xliii),</U> except for liabilities that
have arisen since such date in the ordinary and usual course of business and consistent with past practice and that, individually or in
the aggregate, have not had and would not reasonably be expected to have a Material Adverse Effect and (v)&#8239;no event or events have
occurred that, individually or in the aggregate, has had or would reasonably be expected to have a Material Adverse Effect. As used in
this paragraph, references to the General Disclosure Package and the Prospectus exclude any amendments or supplements thereto subsequent
to the date of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxx)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company owns, is licensed or otherwise possesses adequate rights to use, all patents, patent rights, inventions, know-how (including
trade secrets and other unpatented or unpatentable or confidential information, systems, or procedures), trademarks, service marks, trade
names, copyrights and other intellectual property rights (collectively, the &ldquo;<B>Intellectual Property</B>&rdquo;) necessary for
the conduct of its business as it is currently conducted and as described in each of the General Disclosure Package and the Prospectus,
except as would not reasonably be expected to have a Material Adverse Effect. No claims have been asserted against the Company by any
person with respect to the use of any such Intellectual Property or challenging or questioning the validity or effectiveness of any such
Intellectual Property except as would not reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as described in the General Disclosure Package and the Prospectus, neither the Company nor any of its Subsidiaries is (a)&#8239;in
violation of its charter, bylaws or other organizational documents, as applicable; (b)&#8239;is in default under, and no event has occurred
which, with notice or lapse of time or both, would constitute such a default or result in the creation or imposition of any lien, charge,
or encumbrance upon any property or assets of the Company or any of its Subsidiaries pursuant to, any agreement, mortgage, deed of trust,
lease, franchise, license, indenture or permit; or (c)&#8239;in violation of any law or statute or any judgment, order, rule or regulation
of any court or arbitrator or governmental or regulatory authority, except in the case of clauses&#8239;(b) and (c)&#8239;above, as would
not reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company and its Subsidiaries are and at all prior times were, in compliance with Environmental Laws and Regulations, except
where failure to be so in compliance would not be reasonably expected to have a Material Adverse Effect. &ldquo;<B>Environmental Laws
and Regulations</B>&rdquo; shall mean any applicable federal, state, local or foreign statute, law, rule, regulation, ordinance, code,
policy or rule of common law or any judicial or administrative interpretation thereof, including any judicial or administrative order,
consent, decree or judgment, relating to pollution or protection of human health, the environment or natural resources, including, without
limitation, laws and regulations relating to the release or threatened release of chemicals, pollutants, contaminants, wastes, toxic substances,
hazardous substances, petroleum or petroleum products, asbestos-containing materials or mold (collectively, &ldquo;<B>Hazardous Materials</B>&rdquo;)
or to the manufacture, processing, distribution, use, treatment, storage, disposal, transport or handling of Hazardous Materials. Neither
the Company nor its Subsidiaries has received notice of any actual or potential liability under or relating to, or actual or potential
violation of, any Environmental Laws, including for the investigation or remediation of any release or threat of release of Hazardous
Materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxiii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;
</FONT>Except as described in the General Disclosure Package and the Prospectus, neither the Company nor any of its Subsidiaries is subject
or is party to, or has received any notice or advice that any of them may become subject or party to any investigation with respect to,
any corrective, suspension or cease-and-desist order, agreement, consent agreement, memorandum of understanding or other regulatory enforcement
action, proceeding or order with or by, or is a party to any commitment letter or similar undertaking to, or is subject to any directive
by, or has been a recipient of any supervisory letter (including, without limitation, any notification from the Federal Reserve of a proposal
to increase the minimum capital requirements of the Company or any of its Subsidiaries, pursuant to the Federal Reserve&rsquo;s authority
under 12 U.S.C. 3907(a)(2)) from, or has adopted any board resolutions at the request of, any agency that currently relates to or restricts
in any material respect the conduct of their business or that in any manner relates to their capital adequacy, credit policies or management
(each, a &ldquo;<B>Regulatory Agreement</B>&rdquo;), nor has the Company or any of its Subsidiaries been advised by any agency that it
is considering issuing or requesting any such Regulatory Agreement. The Bank is an insured depository institution and has received a Community
Reinvestment Act rating of &ldquo;Satisfactory&rdquo; or better. There is no unresolved violation, criticism or exception by any agency
with respect to any report or statement relating to any examinations of the Company or any of its subsidiaries which, in the reasonable
judgment of the Company, is expected to result in a Material Adverse Effect. The application of the proceeds received by the Company from
the issuance, sale and delivery of the Notes as described in the General Disclosure Package, and the Prospectus, will not violate Regulation&#8239;T,
U or X of the Federal Reserve or any other regulation of the Federal Reserve.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxiv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Neither the Company nor any of its Subsidiaries has participated in any reportable transaction, as defined in Treasury Regulation&#8239;Section&#8239;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as disclosed in the General Disclosure Package, the Company and each Subsidiary has filed on a timely basis (giving effect
to extensions) all required federal, state and foreign income and franchise tax returns and has paid or accrued all taxes shown as due
thereon to the extent that such taxes have become due and are not being contested in good faith, and the Company does not have knowledge
of any tax deficiency that has been or might be asserted or threatened against it or any Subsidiary, in each case, that would reasonably
be expected to have a Material Adverse Effect. All material tax liabilities accrued through the date hereof have been adequately provided
for on the books of the Company. There is no tax lien, whether imposed by any federal, state or other taxing authority, outstanding against
the assets of the Company or any of its Subsidiaries that would reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxvi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Neither the Company nor the Bank is required and, after giving effect to the offering and sale of the Notes and the application
of the proceeds thereof as described in the General Disclosure Package or the Prospectus, will be required to register as an &ldquo;investment
company,&rdquo; under the Investment Company Act of 1940, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxvii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;</FONT>The
Company and each of its Subsidiaries maintain insurance underwritten by insurers of recognized financial responsibility, of the types
and in the amounts that the Company reasonably believes is adequate to protect its business on a consolidated basis, including, but not
limited to, insurance covering real and personal property owned or leased by the Company or any of its Subsidiaries, operations, personnel
and businesses, all of which insurance is in full force and effect. There are no claims by the Company or any Subsidiary under any such
policy or instrument as to which any insurance company is denying liability or defending under a reservation of rights clause which would
reasonably be expected to have a Material Adverse Effect. Neither the Company nor any Subsidiary has received notice from any insurance
carrier that such insurance will be canceled or that coverage thereunder will be reduced or eliminated, and there are presently no material
claims pending under policies of such insurance and no notices have been given by the Company or any Subsidiary under such policies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxviii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;</FONT>Neither the Company nor to the knowledge of the Company, any affiliate of the Company nor, to the knowledge of the Company, any
person acting on their behalf has taken, nor will the Company or any affiliate or any person acting on their behalf take, directly or
indirectly, any action which is designed to or which has constituted or which would be expected to cause or result in stabilization or
manipulation of the price of any security of the Company to facilitate the sale or resale of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxxix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The statistical, industrial and market-related data contained or incorporated by reference in the Prospectus or the General Disclosure
Package is based on or derived from sources which the Company believes are reliable and accurate in all material respects and are presented
on a reasonable basis in all material respects. Each &ldquo;forward-looking statement&rdquo; (within the meaning of Section&#8239;27A of
the 1933 Act or Section&#8239;21E of the 1934 Act) contained or incorporated by reference in the Prospectus or the General Disclosure Package
has been made or reaffirmed with a reasonable basis and in good faith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xl)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>No transaction has occurred or relationship, direct or indirect, exists between or among the Company or any Subsidiary, on the
one hand, and its officers, directors or shareholders, customers or suppliers, on the other hand, that is required by the 1933 Act, the
1933 Act Regulations, the 1934 Act or the 1934 Act Regulations to have been described in the Registration Statement, the General Disclosure
Package or the Prospectus or any documents incorporated or deemed to be incorporated by reference therein and that is not so described
as required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xli)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>There is no transaction, arrangement or other relationship between the Company or any of its Subsidiaries and an unconsolidated
or other off-balance sheet entity that is required to be disclosed by the Company in its 1934 Act filings and is not so disclosed or that
otherwise would reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xlii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company and each Subsidiary has all franchises, licenses, permits, certificates and other authorizations from such federal,
state or local government or governmental agency, department or body that are currently necessary to own, lease and operate their respective
properties and currently necessary for the operation of their respective businesses, except where the failure to possess currently such
franchises, licenses, permits, certificates and other authorizations is not reasonably expected to have a Material Adverse Effect. Neither
the Company nor any Subsidiary has received any written notice of proceedings relating to the revocation or modification of any such franchise,
license, permit, certificate or other authorizations that, if the subject of an unfavorable decision, ruling or finding, would reasonably
be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xliii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The audited consolidated financial statements and related notes and supporting schedules of the Company and the Subsidiaries incorporated
by reference into the Registration Statement, the General Disclosure Package and the Prospectus (the &ldquo;<B>Financial Statements</B>&rdquo;)
present fairly, in all material respects, the financial position, results of operations, stockholders&rsquo; equity and cash flows of
the Company and its consolidated Subsidiaries, as of the respective dates and for the respective periods to which they apply and have
been prepared in accordance with generally accepted accounting principles of the United States, applied on a consistent basis throughout
the periods involved, except as expressly stated in the related notes thereto, and the requirements of Regulation&#8239;S-X. The financial
data set forth under the caption &ldquo;Capitalization&rdquo; in the General Disclosure Package and the Prospectus has been prepared on
a basis consistent with that of the Financial Statements. The unaudited as adjusted financial information and related notes and supporting
schedules of the Company and the Subsidiaries contained in the Registration Statement, the General Disclosure Package and the Prospectus
have been prepared in accordance with the requirements of Regulation&#8239;S-X in all material respects and have been properly presented
on the basis described therein, and give effect to assumptions used in the preparation thereof that are on a reasonable basis and in good
faith and the adjustments used therein are appropriate to give effect to the transactions and circumstances referred to therein. No other
financial statements or supporting schedules are required to be included in the Registration Statement, the General Disclosure Package
and the Prospectus. The interactive data in eXtensible Business Reporting Language included or incorporated by reference in the Registration
Statement fairly presents the information called for in all material respects and has been prepared in accordance with the Commission&rsquo;s
rules and guidelines thereto. To the extent applicable, all disclosures contained in the Registration Statement, the General Disclosure
Package or the Prospectus regarding &ldquo;non-GAAP financial measures&rdquo; (as such term is defined by the Commission&rsquo;s rules
and regulations) comply with Regulation&#8239;G of the 1934 Act and Item&#8239;10 of Regulation&#8239;S-K under the 1934 Act, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xliv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company is in compliance in all material respects with the requirements of the Nasdaq Global Select Market (the &ldquo;<B>Nasdaq</B>&rdquo;)
for continued listing of its Common Stock thereon. The Company has taken no action designed to, or likely to have the effect of, terminating
the registration of its Common Stock under the 1934 Act or the listing of its Common Stock on the Nasdaq, nor has the Company received
any notification that the Commission or the Nasdaq is contemplating terminating such registration or listing. The transactions contemplated
by this Agreement will not contravene the rules and regulations of the Nasdaq. The Company will comply with all requirements of the Nasdaq
with respect to the issuance of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xlv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company maintains a system of internal control over financial reporting (as defined in Rules&#8239;13a-15(f) and 15d-15(f) under
the 1934 Act) that have been designed by, or under the supervision of, its principal executive and financial officer, to provide reasonable
assurance that (i)&#8239;transactions are executed in accordance with management&rsquo;s general or specific authorization; (ii)&#8239;transactions
are recorded as necessary to permit preparation of financial statements in conformity with generally accepted accounting principles and
to maintain accountability for assets; (iii)&#8239;access to assets is permitted only in accordance with management&rsquo;s general or
specific authorization; and (iv)&#8239;the recorded accountability for assets is compared with existing assets at reasonable intervals
and appropriate action is taken with respect to any differences. The Company has disclosure controls and procedures (as defined in Rules&#8239;13a-15(e)
and 15d-15(e) under the 1934 Act) that are designed to ensure that material information relating to the Company is made known to the Company&rsquo;s
principal executive officer and the Company&rsquo;s principal financial officer or persons performing similar functions. The Company has
not become aware of any fraud, whether or not material, that involves management or other employees who have a significant role in the
Company&rsquo;s internal control over financial reporting. The Company is otherwise in compliance in all material respects with all applicable
provisions of the Sarbanes-Oxley Act of 2002, as amended and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xlvi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Registration Statement is not the subject of a pending proceeding or examination under Section&#8239;8(d) or 8(e) of the 1933
Act, and the Company is not the subject of a pending proceeding under Section&#8239;8A of the 1933 Act in connection with the offering
of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xlvii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Neither the Company, nor any Subsidiary, nor, to the knowledge of the Company, any director, officer, agent, employee or other
person acting on behalf of the Company or any Subsidiary has, in the course of its actions for, or on behalf of, the Company (i)&#8239;used
any corporate funds for any unlawful contribution, gift, entertainment or other unlawful expenses relating to political activity; (ii)&#8239;made
any direct or indirect unlawful payment to any foreign or domestic government official or employee from corporate funds; (iii)&#8239;violated
or is in violation of any provision of the U.S.&#8239;Foreign Corrupt Practices Act of 1977, as amended (the &ldquo;<B>FCPA</B>&rdquo;)
or any law, rule or regulation promulgated to implement the OECD Convention on Combating Bribery of Foreign Public Officials in International
Business Transactions, signed December&#8239;17, 1997 (the &ldquo;<B>Convention</B>&rdquo;); or (iv)&#8239;made any unlawful bribe, rebate,
payoff, influence payment, kickback or other unlawful payment to any foreign or domestic government official or employee. The Company
has instituted and maintains procedures designed to ensure, and which are reasonably expected to continue to ensure, continued compliance
with the Convention, the FCPA and similar laws, rules and regulations based on the business of the Company as conducted on the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xlviii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The operations of the Company and its Subsidiaries are and have been conducted at all times in compliance in all material respects
with applicable financial recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as
amended, Title&#8239;18 U.S.&#8239;Code section&#8239;1956 and 1957, the Patriot Act and the money laundering statutes of all jurisdictions,
the rules and regulations thereunder and any related or similar rules, regulations or guidelines, issued, administered or enforced by
any governmental agency (collectively, the &ldquo;<B>Money Laundering Laws</B>&rdquo;) and no action, suit or proceeding by or before
any court or governmental agency, authority or body or any arbitrator involving the Company or any of its Subsidiaries with respect to
the Money Laundering Laws is pending or, to the best knowledge of the Company, threatened. Each of the Company and its Subsidiaries has
instituted and maintains policies and procedures designed to ensure continued compliance with the Money Laundering Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xlix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>None of the Company, any Subsidiary or, to the knowledge of the Company, any director, officer, agent, employee or other person
acting on behalf of the Company or any of its Subsidiaries is (A)&#8239;an individual or entity currently subject to or, to the Company&rsquo;s
knowledge, a target of any U.S.&#8239;sanctions administered or enforced by the United States Government, including, without limitation,
the U.S.&#8239;Department of Treasury&rsquo;s Office of Foreign Assets Control or the U.S.&#8239;Department of State, the United Nations
Security Council, the European Union, Her Majesty&rsquo;s Treasury, or other relevant sanctions authority (collectively, &ldquo;<B>Sanctions</B>&rdquo;)
or (B)&#8239;located, organized or resident in a country or territory that is subject of Sanctions, including, without limitation, Cuba,
Iran, North Korea, Syria and the Crimea, Donetsk People&rsquo;s Republic, and Luhansk People&rsquo;s Republic regions of Ukraine (each,
a &ldquo;<B>Sanctioned Country</B>&rdquo;). The Company will not directly or indirectly use the proceeds of the offering, or lend, contribute
or otherwise make available such proceeds to any Subsidiary, joint venture partner or other person or entity (i)&#8239;to fund or facilitate
any activities of or business with any person that, at the time of such funding or facilitation, is the subject or target of Sanctions,
(ii)&#8239;to fund or facilitate any activities of or business in any Sanctioned Country or (iii)&#8239;in any other manner that will result
in a violation by any person (including any person participating in the transaction, whether as underwriter, advisor, investor or otherwise)
of Sanctions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Except as described in the Registration Statement, the General Disclosure Package and the Prospectus, the Company has not sold,
issued or distributed any debt securities during the six-month period preceding the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(li)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Other than as contemplated by this Agreement, there is no broker, finder or other party that is entitled to receive from the Company
or any Subsidiary any brokerage or finder&rsquo;s fee or any other fee, commission or payment as a result of the transactions contemplated
by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(lii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company is in compliance in all material respects with all presently applicable provisions of the Employee Retirement Income
Security Act of 1974, as amended, including the regulations and published interpretations thereunder (herein called &ldquo;<B>ERISA</B>&rdquo;);
no &ldquo;reportable event&rdquo; (as defined in ERISA) has occurred with respect to any &ldquo;pension plan&rdquo; (as defined in ERISA)
for which the Company would have any material liability; the Company has not incurred and does not expect to incur any material liability
under (i)&#8239;Title&#8239;IV of ERISA with respect to termination of, or withdrawal from, any &ldquo;pension plan&rdquo;; or (ii)&#8239;Sections&#8239;412
or 4971 of the Internal Revenue Code of 1986, as amended, including the regulations and published interpretations thereunder (the &ldquo;<B>Code</B>&rdquo;);
and each &ldquo;<B>Pension Plan</B>&rdquo; for which the Company would have liability that is intended to be qualified under Section&#8239;401(a)
of the Code is so qualified in all material respects and nothing has occurred, whether by action or by failure to act, which would cause
the loss of such qualification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(liii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>There has been no storage, disposal, generation, manufacture, transportation, handling or treatment of toxic wastes, hazardous
wastes or hazardous substances by the Company or any Subsidiary (or, to the knowledge of the Company, any of their predecessors in interest
for whose acts or omissions the Company or its Subsidiaries is or could reasonably be expected to be liable) at, upon or from any of the
property now or previously owned or leased by the Company or any Subsidiary in violation of any Environmental Laws and Regulations or
order, judgment, decree or permit or that would require remedial action under any applicable law, ordinance, rule, regulation, order,
judgment, decree or permit; there has been no material spill, discharge, leak, emission, injection, escape, dumping or release of any
kind into such property or into the environment surrounding such property of any toxic wastes, medical wastes, solid wastes, hazardous
wastes or hazardous substances due to or caused by the Company or any Subsidiary or with respect to which the Company or any Subsidiary
have knowledge; in each of the foregoing cases, except as would not reasonably be expected to have a Material Adverse Effect. As used
in this <U>Section&#8239;1(a)(lv)</U>, the terms &ldquo;hazardous wastes&rdquo;, &ldquo;toxic wastes&rdquo;, &ldquo;hazardous substances&rdquo;,
and &ldquo;medical wastes&rdquo; shall have the meanings specified in any applicable local, state, federal and foreign laws or regulations
with respect to environmental protection.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(liv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(i) The Company is not aware of any security breach or other compromise relating to the Company&rsquo;s or its Subsidiaries&rsquo;
information technology and computer systems, networks, hardware, software, data and databases (including the data and information of their
respective customers, employees, suppliers, vendors and any third party data maintained by or on behalf of them), equipment or technology
(collectively, &ldquo;<B>IT Systems and Data</B>&rdquo;), except for those that have been remedied without material cost or liability&#894;
(ii)&#8239;neither the Company nor any of its Subsidiaries have been notified of, and have no knowledge of, any event or condition that
would reasonably be expected to result in any material security breach or other compromise to their IT Systems and Data&#894; and (iii)&#8239;the
Company and its Subsidiaries have implemented appropriate controls, policies, procedures and technological safeguards to maintain and
protect the integrity, continuous operation, redundancy and security of their respective IT Systems and Data reasonably consistent with
industry standards and practices, or as required by applicable regulatory standards. The Company and its Subsidiaries are presently in
material compliance with all applicable laws or statutes and all judgments, orders, rules and regulations of any court, arbitrator or
governmental or regulatory authority and internal policies relating to the privacy and security of IT Systems and Data and to the reasonable
protection of such IT Systems and Data from unauthorized use, access, misappropriation or modification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(a)&#9;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Subject to the terms and conditions herein set forth, the Company agrees to issue and sell to each of the Underwriters,
and each of the Underwriters agrees, severally and not jointly, to purchase from the Company, the respective principal amount of the Notes
set forth opposite each Underwriter&rsquo;s name in <U>Schedule&#8239;I</U> hereto at a purchase price equal to 98.75% of the principal
amount thereof plus accrued interest, if any, from August&#8239;24, 2022 to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company understands that the Underwriters intend to make a public offering of the Notes as soon after the effectiveness of
this Agreement as in the judgment of the Representatives is advisable. The Company acknowledges and agrees that the Underwriters may offer
and sell the Notes to or through any affiliate of an Underwriter and that any such affiliate may offer and sell the Notes purchased by
it to or through any Underwriter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>It is understood that each Underwriter has authorized the Representatives, for such Underwriter&rsquo;s account, to accept delivery
of, receipt for, and make payment of the purchase price for the Notes which such Underwriter has agreed to purchase. Piper Sandler &amp;
Co. and Keefe, Bruyette &amp; Woods, Inc., individually and not as representatives of the Underwriters, may (but shall not be obligated
to) make payment of the purchase price for the Notes to be purchased by any Underwriter whose funds have not been received by Piper Sandler
 &amp; Co. or Keefe, Bruyette &amp; Woods, Inc. by the Time of Delivery (as defined below) but such payment shall not relieve such Underwriter
from its obligations hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Upon the authorization by the Representatives of the release of the Notes, the several Underwriters propose to offer the Notes
for sale upon the terms and conditions set forth in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(a)&#9;Payment for the Notes shall be made by wire transfer of immediately available funds to the account(s) specified by the Company
to the Representatives against delivery to the nominee of The Depository Trust Company (&ldquo;<B>DTC</B>&rdquo;), for the account of
each Underwriter, of one or more global notes representing the Notes (collectively, the &ldquo;<B>Global Notes</B>&rdquo;), with any transfer
or other taxes payable in connection with the sale of the Notes duly paid by the Company. The Company will cause the Global Notes to be
made available for checking at least twenty-four hours prior to the Time of Delivery with respect thereto. The time and date of such delivery
and payment shall be 9:00 a.m. New York City Time, on August 24, 2022 (the &ldquo;<B>Closing Date</B>&rdquo;) or such other time and date
as the Representatives and the Company may agree upon in writing. Such time and date for delivery of the Notes is herein called the &ldquo;<B>Time
of Delivery</B>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The documents to be delivered at the Time of Delivery by or on behalf of the parties hereto pursuant to <U>Section&#8239;7</U> hereof,
including the cross receipt for the Notes and any additional documents requested by the Representatives pursuant to <U>Section&#8239;7(j)</U>
hereof, will be delivered at the offices of Paul Hastings LLP, 200 Park Avenue, New York, NY 10166, or at such other place as shall be
agreed upon by the Underwriters and the Company, including by electronic exchange of documents. As used herein, &ldquo;<B>New York Business
Day</B>&rdquo; shall mean each Monday, Tuesday, Wednesday, Thursday and Friday which is not a day on which banking institutions in New
York are generally authorized or obligated by law or executive order to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company covenants with each of the Underwriters:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>To prepare the Prospectus in a form approved by the Representatives and to file such Prospectus pursuant to Rule&#8239;424(b) under
the 1933 Act (without reliance on Rule&#8239;424(b)(8)) not later than the Commission&rsquo;s close of business on the second business
day following the execution and delivery of this Agreement, or, if applicable, such earlier time as may be required by Rule&#8239;430B
under the 1933 Act; to make no further amendment or any supplement to the Registration Statement or Prospectus which shall be disapproved
by the Representatives promptly after reasonable notice thereof; to advise the Representatives, promptly after it receives notice thereof,
of the time when any amendment to the Registration Statement or any Rule&#8239;462(b) Registration Statement has been filed or becomes
effective or any supplement to the Prospectus or any amended Prospectus has been filed and to furnish the Representatives with copies
thereof; to advise the Representatives, promptly after it receives notice thereof, of the issuance by the Commission of any stop order
or of any order preventing or suspending the use of any preliminary prospectus, Issuer-Represented Free Writing Prospectus or Prospectus,
of the suspension of the qualification of the Notes for offering or sale in any jurisdiction, of the initiation or threatening of any
proceeding for any such purpose, or of any request by the Commission for the amending or supplementing of the Registration Statement,
any preliminary prospectus, any Issuer-Represented Free Writing Prospectus or Prospectus (in each case, including any document incorporated
or deemed to be incorporated by reference therein) or for additional information; and in the event of the issuance of any stop order or
of any order preventing or suspending the use of any preliminary prospectus, Issuer-Represented Free Writing Prospectus or Prospectus
or suspending any such qualification, promptly to use its best efforts to obtain the withdrawal of such order.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If at any time following issuance of an Issuer-Represented Free Writing Prospectus there occurred or occurs an event or development
as a result of which such Issuer-Represented Free Writing Prospectus conflicted or would conflict with the information contained in the
Registration Statement, the General Disclosure Package or the Prospectus or included or would include an untrue statement of a material
fact or omitted or would omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances
prevailing at that subsequent time, not misleading, the Company will notify promptly the Representatives so that any use of such Issuer-Represented
Free Writing Prospectus may cease until it is amended or supplemented and the Company will promptly amend or supplement such Issuer-Represented
Free Writing Prospectus to eliminate or correct such conflict, untrue statement or omission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company represents and agrees that, unless it obtains the prior written consent of the Representatives, and each Underwriter
represents and agrees that, unless it obtains the prior written consent of each of the Company and the Representatives, it has not made
and will not make any offer relating to the Notes that would constitute an &ldquo;issuer free writing prospectus,&rdquo; as defined in
Rule&#8239;433 under the 1933 Act, or that would otherwise constitute a &ldquo;free writing prospectus,&rdquo; as defined in Rule&#8239;405,
required to be filed with the Commission. Any such free writing prospectus consented to by the Company and the Representatives is hereinafter
referred to as a &ldquo;<B>Permitted Free Writing Prospectus</B>.&rdquo; The Company represents that it has treated and agrees that it
will treat each Permitted Free Writing Prospectus as an &ldquo;issuer free writing prospectus,&rdquo; as defined in Rule&#8239;433, and
has complied and will comply with the requirements of Rule&#8239;433 applicable to any Permitted Free Writing Prospectus, including timely
filing with the Commission where required, legending and record keeping. The Company represents that it has satisfied the conditions in
Rule&#8239;433 to avoid a requirement to file with the Commission any electronic road show. The Company consents to the use by the Underwriters
of an Issuer-Represented Free Writing Prospectus that contains information describing the preliminary terms of the Notes or is the Final
Term Sheet, each of which is a Permitted Free Writing Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Promptly from time to time to take such action as the Representatives may reasonably request to qualify the Notes for offering
and sale under the securities laws of such jurisdictions as the Representatives may request and to comply with such laws so as to permit
the continuance of sales and dealings therein in such jurisdictions for as long as may be necessary to complete the distribution of the
Notes, provided that in connection therewith the Company shall not be required to qualify as a foreign corporation or to file a general
consent to service of process in any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Prior to 10:00 a.m., New York City time, on the New York Business Day next succeeding the date of this Agreement and from time
to time, to furnish the Underwriters with copies of the Prospectus in New York City in such quantities as the Representatives may from
time to time reasonably request, and, if the delivery of a prospectus is required at any time prior to the expiration of nine months after
the time of issue of the Prospectus in connection with the offering or sale of the Notes and if at such time any event shall have occurred
as a result of which the Prospectus as then amended or supplemented would include an untrue statement of a material fact or omit to state
any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made when
such Prospectus is delivered, not misleading, or, if for any other reason it shall be necessary during such period to amend or supplement
the Prospectus in order to comply with the 1933 Act or the 1933 Act Regulations, to notify the Representatives and upon their request
to prepare and furnish without charge to the Underwriters and to any dealer in securities as many copies as the Representatives may from
time to time reasonably request of an amended Prospectus or a supplement to the Prospectus which will correct such statement or omission
or effect such compliance, and in case any Underwriter is required to deliver a prospectus in connection with sales of any of the Notes
at any time nine months or more after the time of issue of the Prospectus, upon its request, to prepare and deliver to such Underwriter
as many copies as the Representatives may request of an amended or supplemented Prospectus complying with Section&#8239;10(a)(3) of the
1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company will make generally available to its security holders as soon as practicable an earnings statement that satisfied the
provisions of Section&#8239;11(a) of the 1933 Act and Rule&#8239;158 of the Commission promulgated thereunder covering a period of at least
twelve months beginning with the first fiscal quarter of the Company occurring after the effective date of the Registration Statement.
Except as disclosed in the General Disclosure Package and the Prospectus under &ldquo;Use of Proceeds,&rdquo; from the date of this Agreement
and continuing through and including the date that is the New York Business Day following the Closing Date, the Company will not, and
will not permit any Subsidiary to, without the prior written consent of the Representatives, offer, sell, contract to sell or otherwise
dispose of any debt securities issued or guaranteed by the Company or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>To comply with the letter of representation of the Company to DTC relating to the approval of the Notes by DTC for &ldquo;book-entry&rdquo;
transfer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>For so long as any amounts under the Notes remain outstanding, to furnish to its shareholders, as soon as practicable after the
end of each fiscal year, an annual report (including a balance sheet and statements of income, shareholders&rsquo; equity and cash flows
of the Company and its consolidated subsidiaries certified by an independent registered public accounting firm) and, as soon as practicable
after the end of each of the first three quarters of each fiscal year, to furnish to its shareholders consolidated summary financial information
of the Company and its subsidiaries for such quarter in reasonable detail. For purposes of this paragraph, documents shall be deemed furnished
to the Company&rsquo;s shareholders if filed on EDGAR.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>During a period of three years from the date of this Agreement, to furnish to the Representatives or provide on EDGAR copies of
all reports or other communications (financial or other) furnished to shareholders, and to deliver to the Representatives (i)&#8239;as
soon as they are available, copies of any reports and financial statements furnished to or filed with the Commission or any national securities
exchange on which any class of securities of the Company is listed and (ii)&#8239;such additional information concerning the business and
financial condition of the Company as the Representatives may from time to time reasonably request (such financial statements to be on
a consolidated basis to the extent the accounts of the Company and its subsidiaries are consolidated in reports furnished to its shareholders
generally or to the Commission). For purposes of this paragraph, documents shall be deemed furnished to the Underwriters if filed on EDGAR.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>To use the net proceeds received by it from the sale of the Notes pursuant to this Agreement in the manner specified in each of
the General Disclosure Package and the Prospectus under the caption &ldquo;Use of Proceeds.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If the Company elects to rely on Rule&#8239;462(b), the Company shall file a Rule&#8239;462(b) Registration Statement with the Commission
in compliance with Rule&#8239;462(b) by 10:00 p.m., Washington, D.C. time, on the date of this Agreement, and the Company shall at the
time of filing either pay to the Commission the filing fee for the Rule&#8239;462(b) Registration Statement or give irrevocable instructions
for the payment of such fee pursuant to Rule&#8239;111(b) under the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company will, pursuant to reasonable procedures developed in good faith, retain copies of each Issuer-Represented Free Writing
Prospectus that is not filed with the Commission in accordance with Rule&#8239;433 under the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company covenants and agrees with the Underwriters that the Company will pay or cause to be paid the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(i) the fees, disbursements and expenses of the Company&rsquo;s counsel and accountants in connection with the registration of
the Notes under the 1933 Act and all other expenses in connection with the preparation, printing and filing of the Registration Statement,
any preliminary prospectus, any Permitted Free Writing Prospectus and the Prospectus and amendments and supplements thereto and the mailing
and delivering of copies thereof to the Underwriters and dealers; (ii)&#8239;the cost of printing or producing any agreement among Underwriters,
this Agreement, any Blue Sky memorandum and any other documents in connection with the offering, purchase, sale and delivery of the Notes;
(iii)&#8239;the filing fees incident to, and the fees and disbursements of counsel for the Underwriters in connection with, securing any
required review by FINRA of the terms of the sale of the Notes; (iv)&#8239;the cost and charges of any transfer agent or registrar; (v)&#8239;the
fees and expenses of the Trustee and any paying agent (including reasonable related fees and disbursements of any counsel to such parties);
(vi)&#8239;all expenses incurred by the Company in connection with any &lsquo;&lsquo;road show&rdquo; to potential investors; (vii)&#8239;all
reasonable fees and expenses incurred by the Underwriters in connection with their services to be rendered hereunder including, without
limitation, road show or investor presentation expenses, word processing charges, the costs of printing or producing any investor presentation
materials, messenger and duplicating service expenses, facsimile expenses and other customary expenditures (including the reasonable fees
and expenses of counsel to the Underwriters), in an amount not to exceed $200,000; and (viii)&#8239;all other reasonable costs and expenses
incident to the performance of its obligations hereunder which are not otherwise specifically provided for in this Section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If this Agreement is terminated by the Representatives in accordance with the provisions of <U>Section&#8239;9</U> hereof, the Company
shall reimburse the Underwriters for all of their out-of-pocket expenses, including the reasonable fees and disbursements of counsel for
the Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The obligations of the Underwriters hereunder, as to the Notes to be delivered at the Time of Delivery, shall be subject, in their
discretion, to the condition that all representations and warranties and other statements of the Company herein are, at and as of the
Time of Delivery, true and correct, the condition that the Company shall have performed all of its obligations hereunder theretofore to
be performed, and the following additional conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Prospectus containing the Rule&#8239;430B Information shall have been filed with the Commission pursuant to Rule&#8239;424(b)
in the manner and within the time period required by Rule&#8239;424(b) (without reliance on Rule&#8239;424(d)(8)) and in accordance with
<U>Section&#8239;5(a)</U> hereof, the Final Term Sheet and any other material required to be filed by the Company pursuant to Rule&#8239;433(d)
under the 1933 Act shall have been filed with the Commission within the applicable time periods prescribed for such filings by Rule&#8239;433;
if the Company has elected to rely upon Rule&#8239;462(b), the Rule&#8239;462(b) Registration Statement shall have become effective by 10:00
p.m, Washington, D.C. time, on the date of this Agreement; no stop order suspending the effectiveness of the Registration Statement or
any part thereof shall have been issued and no proceeding for that purpose shall have been initiated or threatened by the Commission;
and all requests for additional information on the part of the Commission shall have been complied with to the reasonable satisfaction
of the Representatives; and, to the extent applicable, the FINRA shall have raised no objection to the fairness and reasonableness of
the underwriting terms and arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Paul Hastings LLP, counsel for the Underwriters, shall have furnished to the Representatives such written opinion or opinions,
dated as of the Time of Delivery, with respect to matters as the Representatives may reasonably request, and such counsel shall have received
such papers and information as they may reasonably request to enable them to pass upon such matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Holland &amp; Knight LLP, special counsel for the Company in connection with the issuance and sale of the Notes, shall have furnished
to the Representatives such counsel&rsquo;s written opinion, dated as of the Time of Delivery, in form and substance reasonably satisfactory
to the Representatives, substantially in the form of <U>Annex&#8239;I</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Hughes Hubbard &amp; Reed LLP, counsel for the Company, shall have furnished to the Representatives such counsel&rsquo;s written
opinion, dated as of the Time of Delivery, in form and substance reasonably satisfactory to the Representatives, substantially in the
form of <U>Annex&#8239;II</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>At the time of execution of this Agreement, BDO USA, LLP shall have furnished to the Representatives a letter, dated the date of
this Agreement, in form and substance satisfactory to the Representatives, containing statements and information of the type ordinarily
included in accountants &ldquo;comfort letters&rdquo; to underwriters with respect to the financial statements and certain financial information
contained in the Registration Statement, the preliminary prospectus supplement dated August 15, 2022 and the Prospectus and, at the effective
date of any post-effective amendment to the Registration Statement after the date of this Agreement and at the Time of Delivery, BDO USA
LLP shall have furnished to the Representatives a letter, dated as of such effective date or the Time of Delivery, as the case may be,
in form and substance reasonably satisfactory to the Representatives, to the effect that they reaffirm the statements made in a letter
furnished at the time of execution of this Agreement, except that the specified date referred to therein shall be a date not more than
three business days prior to such effective date or Time of Delivery, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(i) Neither the Company nor any of its Subsidiaries shall have sustained since the date of the latest audited financial statements
included in each of the General Disclosure Package and the Prospectus any loss or interference with its business from fire, explosion,
flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental action, order or decree,
otherwise than as set forth or contemplated in each of the General Disclosure Package and the Prospectus, and (ii)&#8239;since the respective
dates as of which information is given in each of the General Disclosure Package and the Prospectus there shall not have been any change
in the capital stock or long-term debt of the Company or any of its Subsidiaries or any change, or any development involving a prospective
change, in or affecting the general affairs, management, financial position, shareholders&rsquo; equity or results of operations of the
Company and its Subsidiaries, otherwise than as set forth or contemplated in each of the General Disclosure Package and the Prospectus,
the effect of which, in any such case described in clause&#8239;(i) or (ii), is in the judgment of the Representatives so material and
adverse as to make it impracticable or inadvisable to proceed with the public offering or the delivery of the Notes being delivered at
the Time of Delivery on the terms and in the manner contemplated in each of the General Disclosure Package and the Prospectus. As used
in this paragraph, references to the General Disclosure Package and the Prospectus exclude any amendments or supplements thereto subsequent
to the date of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>On or after the date hereof (i)&#8239;no downgrading shall have occurred in the rating accorded to the Company&rsquo;s debt securities
by any &ldquo;nationally recognized statistical rating organization,&rdquo; as that term is defined by the Commission for purposes of
Rule&#8239;436(g)(2) under the 1933 Act, and (ii)&#8239;no such organization shall have publicly announced that it has under surveillance
or review, with possible negative implications, its rating of the Company&rsquo;s debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>On or after the date hereof there shall not have occurred any of the following: (i)&#8239;a suspension or material limitation in
trading in securities generally on the Nasdaq, the Nasdaq Global Market or the Nasdaq Capital Market or any setting of minimum or maximum
prices for trading on such exchange; (ii)&#8239;a suspension or material limitation in trading of any securities of the Company on any
exchange or in the over-the-counter market; (iii)&#8239;a general moratorium on commercial banking activities declared by either federal,
New York or Delaware state authorities; (iv)&#8239;any major disruption of settlements of securities, payment, or clearance services in
the United States or any other country where such securities are listed; or (v)&#8239;the outbreak or escalation of hostilities involving
the United States or the declaration by the United States of a national emergency or war or a material adverse change in general economic,
political or financial conditions, or currency exchange rates or exchange controls, including, without limitation, as a result of terrorist
activities after the date hereof (or the effect of international conditions on the financial markets in the United States shall be such),
or any other calamity or crisis, if the effect of any such event specified in this clause&#8239;(v) in the judgment of the Representatives
makes it impracticable or inadvisable to proceed with the public offering or the delivery of the Notes being delivered at the Time of
Delivery on the terms and in the manner contemplated in either the General Disclosure Package or the Prospectus or to enforce contracts
for the sale of the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>At the Time of Delivery, the Global Note shall be eligible for clearance, settlement and trading in book-entry-only form through
the facilities of DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company shall have complied with the provisions of <U>Section&#8239;5(e)</U> hereof with respect to the furnishing of prospectuses
on the New York Business Day next succeeding the date of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company shall have furnished or caused to be furnished to the Representatives at the Time of Delivery certificates of officers
of the Company satisfactory to the Representatives to the effect that (i)&#8239;the representations and warranties in <U>Section&#8239;1</U>
hereof are true and correct with the same force and effect as though expressly made at and as of the Time of Delivery, (ii)&#8239;the Company
has complied with all agreements and satisfied all conditions on its part to be performed or satisfied at or prior to the Time of Delivery,
(iii)&#8239;no stop order suspending the effectiveness of the Registration Statement has been issued and no proceedings for that purpose
have been instituted or are to their knowledge contemplated or threatened by the Commission, and (iv) no event of default under the Indenture
or default with notice and/or lapse of time that would be an event of default in respect of the Notes has occurred and is continuing,
and as to such other matters as the Representatives may reasonably request. Any certificate signed by any officer of the Company and delivered
to the Underwriters or counsel for the Underwriters in connection with the sale of the Notes contemplated hereby shall be deemed a representation
and warranty by the Company to the Underwriters and shall be deemed to be a part of <U>Section&#8239;1</U> and incorporated therein by
reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(a)&#9;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The Company and the Bank, jointly and severally, agree to indemnify and hold harmless each Underwriter against any losses,
claims, damages or liabilities, joint or several, to which they or any of them may become subject, under the 1933 Act or otherwise, insofar
as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or alleged
untrue statement of a material fact contained in any preliminary prospectus, the Registration Statement, the General Disclosure Package,
the Prospectus or any individual Issuer-Represented Limited-Use Free Writing Prospectus, when considered together with the General Disclosure
Package, or any amendment or supplement thereto, or arise out of or are based upon the omission or alleged omission to state therein a
material fact required to be stated therein, or necessary to make the statements therein, in light of the circumstances in which they
were made, not misleading, and will reimburse each such indemnified party for any legal or other expenses reasonably incurred by them
in connection with investigating or defending any such action or claim as such expenses are incurred; provided, that neither the Company
nor the Bank shall be liable in any such case to the extent that any such loss, claim, damage or liability arises out of or is based upon
an untrue statement or alleged untrue statement or omission or alleged omission made in any preliminary prospectus, the Registration Statement,
the General Disclosure Package, the Prospectus or any individual Issuer-Represented Limited-Use Free Writing Prospectus, when considered
together with the General Disclosure Package, or any such amendment or supplement in reliance upon and in conformity with written information
furnished to the Company by any Underwriter through the Representatives expressly for use therein (provided that the Company and the Underwriters
hereby acknowledge and agree that the only information that the Underwriters have furnished to the Company specifically for inclusion
in any preliminary prospectus, the Registration Statement, the General Disclosure Package, the Prospectus or any individual Issuer-Represented
Limited-Use Free Writing Prospectus, or any amendment or supplement thereto, are (i)&#8239;the discount figure appearing in the Prospectus
in the fifth paragraph of the section entitled &ldquo;Underwriting&rdquo; and (ii)&#8239;the two paragraphs appearing in the Prospectus
under the heading &ldquo;Stabilization&rdquo; in the section entitled &ldquo;Underwriting&rdquo; relating to stabilization transactions,
over-allotment transactions, syndicate covering transactions and, if applicable, penalty bids in which the Underwriters may engage (collectively,
the &ldquo;<B>Underwriters&rsquo; Information</B>&rdquo;)). Notwithstanding the foregoing, the indemnification provided for in this paragraph&#8239;(a)
and the contribution provided for in paragraph&#8239;(d) below shall not apply to the Bank to the extent that such indemnification or contribution,
as the case may be, by the Bank is found by the Federal Reserve or other applicable federal banking regulatory authority, or in a final
judgment by a court of competent jurisdiction, to constitute a covered transaction under Section&#8239;23A of the Federal Reserve Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Each Underwriter, severally and not jointly, agrees to indemnify and hold harmless the Company against any losses, claims, damages
or liabilities to which the Company may become subject, under the 1933 Act or otherwise, insofar as such losses, claims, damages or liabilities
(or actions in respect thereof) arise out of or are based upon an untrue statement or alleged untrue statement of a material fact contained
in any preliminary prospectus, the Registration Statement, the General Disclosure Package, the Prospectus, or any individual Issuer-Represented
Limited-Use Free Writing Prospectus, when considered together with the General Disclosure Package, or any amendment or supplement thereto,
or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary
to make the statements therein not misleading, in each case to the extent, but only to the extent, that such untrue statement or alleged
untrue statement or omission or alleged omission was made in such preliminary prospectus, the Registration Statement, the General Disclosure
Package, the Prospectus or such individual Issuer-Represented Limited-Use Free Writing Prospectus, when considered together with the General
Disclosure Package, or any such amendment or supplement, in reliance upon and in conformity with the Underwriters&rsquo; Information;
and will reimburse the Company for any legal or other expenses reasonably incurred by the Company in connection with investigating or
defending any such action or claim as such expenses are incurred.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Promptly after receipt by an indemnified party under subsection&#8239;(a) or (b)&#8239;above of notice of the commencement of any
action, such indemnified party shall, if a claim in respect thereof is to be made against the indemnifying party under such subsection,
notify the indemnifying party in writing of the commencement thereof, but the omission so to notify the indemnifying party shall not relieve
it from any liability which it may have to any indemnified party otherwise than under such subsection. In case any such action shall be
brought against any indemnified party and it shall notify the indemnifying party of the commencement thereof, the indemnifying party shall
be entitled to participate therein and, to the extent that it shall wish, jointly with any other indemnifying party similarly notified,
to assume the defense thereof, with counsel satisfactory to such indemnified party (who shall not, except with the consent of the indemnified
party, be counsel to the indemnifying party), and, after notice from the indemnifying party to such indemnified party of its election
so to assume the defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for any legal
expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection with the
defense thereof other than reasonable costs of investigation. No indemnifying party shall, without the written consent of the indemnified
party, effect the settlement or compromise of, or consent to the entry of any judgment with respect to, any pending or threatened action
or claim in respect of which indemnification or contribution may be sought hereunder (whether or not the indemnified party is an actual
or potential party to such action or claim) unless such settlement, compromise or judgment (i)&#8239;includes an unconditional release
of the indemnified party from all liability arising out of such action or claim and (ii)&#8239;does not include a statement as to or an
admission of fault, culpability or a failure to act, by or on behalf of any indemnified party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If the indemnification provided for in this <U>Section&#8239;8</U> is unavailable to or insufficient to hold harmless an indemnified
party under subsection&#8239;(a) or (b)&#8239;above in respect of any losses, claims, damages or liabilities (or actions in respect thereof)
referred to therein, then each indemnifying party shall contribute to the amount paid or payable by such indemnified party as a result
of such losses, claims, damages or liabilities (or actions in respect thereof) in such proportion as is appropriate to reflect the relative
benefits received by the Company on the one hand and the Underwriters on the other from the offering of the Notes. If, however, the allocation
provided by the immediately preceding sentence is not permitted by applicable law or if the indemnified party failed to give promptly
the notice required under subsection&#8239;(c) above, then each indemnifying party shall contribute to such amount paid or payable by such
indemnified party in such proportion as is appropriate to reflect not only such relative benefits but also the relative fault of the Company,
on the one hand, and the Underwriters, on the other, in connection with the statements or omissions which resulted in such losses, claims,
damages or liabilities (or actions in respect thereof), as well as any other relevant equitable considerations. The relative benefits
received by the Company, on the one hand, and the Underwriters, on the other, shall be deemed to be in the same proportion as the total
net proceeds from the offering (before deducting expenses) received by the Company bear to the total underwriting discounts and commissions
received by the Underwriters, in each case as set forth in the table on the cover page of the Prospectus. The relative fault shall be
determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged
omission to state a material fact relates to information supplied by the Company on the one hand or the Underwriters on the other and
the parties&rsquo; relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission.
The Company and the Underwriters agree that it would not be just and equitable if contributions pursuant to this subsection&#8239;(d) were
determined by pro rata allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation
which does not take account of the equitable considerations referred to above in this subsection&#8239;(d). The amount paid or payable
by an indemnified party as a result of the losses, claims, damages or liabilities (or actions in respect thereof) referred to above in
this subsection&#8239;(d) shall be deemed to include any legal or other expenses reasonably incurred by such indemnified party in connection
with investigating or defending any such action or claim. Notwithstanding the provisions of this subsection&#8239;(d), no Underwriter shall
be required to contribute any amount in excess of the amount which such Underwriter received in underwriting discounts and commissions
pursuant to this Agreement has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged
omission. No person guilty of fraudulent misrepresentation (within the meaning of Section&#8239;11(f) of the 1933 Act) shall be entitled
to contribution from any person who was not guilty of such fraudulent misrepresentation. The obligations of the Company and the Bank in
this subsection&#8239;(d) to contribute are joint and several. The Underwriters&rsquo; obligations in this subsection&#8239;(d) to contribute
are several in proportion to their respective underwriting obligations and not joint.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The obligations of the Company and the Bank under this <U>Section&#8239;8</U> shall be in addition to any liability which the Company
or the Bank may otherwise have and shall extend, upon the same terms and conditions, to each person, if any, who controls (within the
meaning of the 1933 Act) any Underwriter, or any of the respective partners, directors, officers and employees of any Underwriter or any
such controlling person; and the several obligations of the Underwriters under this <U>Section&#8239;8</U> shall be in addition to any
liability which the respective Underwriters may otherwise have and shall extend, upon the same terms and conditions, to each director
of the Company (including any person who, with his or her consent, is named in the Registration Statement as about to become a director
of the Company), each officer of the Company who signs the Registration Statement and to each person, if any, who controls the Company,
within the meaning of the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(a)&#9;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If any Underwriter shall default in its obligation to purchase the Notes which it has agreed to purchase hereunder at the
Time of Delivery, the Representatives may in their discretion arrange for it or another party or other parties to purchase such Notes
on the terms contained herein. If within thirty-six hours after such default by any Underwriter the Representatives do not arrange for
the purchase of such Notes, then the Company shall be entitled to a further period of 36 hours within which to procure another party or
other parties reasonably satisfactory to the Representatives to purchase such Notes on such terms. In the event that, within the respective
prescribed periods, the Representatives notify the Company that it has so arranged for the purchase of such Notes, or the Company notifies
the Representatives that it has so arranged for the purchase of such Notes, the Representatives or the Company shall have the right to
postpone the Time of Delivery for a period of not more than seven days, in order to effect whatever changes may thereby be made necessary
in the Registration Statement or the Prospectus, or in any other documents or arrangements, and the Company agrees to file promptly any
amendments to the Registration Statement or the Prospectus which in the Representatives&rsquo; opinion may thereby be made necessary.
The term &ldquo;Underwriter&rdquo; as used in this Agreement shall include any person substituted under this Section with like effect
as if such person had originally been a party to this Agreement with respect to such Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If, after giving effect to any arrangements for the purchase of the Notes of a defaulting Underwriter or Underwriters by the Representatives
and the Company as provided in subsection&#8239;(a) above, the aggregate amount of such Notes which remains unpurchased does not exceed
one-tenth of the aggregate amount of all the Notes to be purchased at the Time of Delivery, then the Company shall have the right to require
each non-defaulting Underwriter to purchase the amount of Notes which such Underwriter agreed to purchase hereunder at the Time of Delivery
and, in addition, to require each non-defaulting Underwriter to purchase its pro rata share (based on the amount of Notes which such Underwriter
agreed to purchase hereunder) of the Notes of such defaulting Underwriter or Underwriters for which such arrangements have not been made;
but nothing herein shall relieve a defaulting Underwriter from liability for its default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If, after giving effect to any arrangements for the purchase of the Notes of a defaulting Underwriter or Underwriters by the Representatives
and the Company as provided in <U>Section&#8239;9(a)</U> hereof, the aggregate amount of such Notes which remains unpurchased exceeds one-tenth
of the aggregate amount of all the Notes to be purchased at the Time of Delivery, or if the Company shall not exercise the right described
in <U>Section&#8239;9(b)</U> hereof to require non-defaulting Underwriters to purchase Notes of a defaulting Underwriter or Underwriters,
then this Agreement shall thereupon terminate, without liability on the part of any non-defaulting Underwriter or the Company, except
for the expenses to be borne by the Company as provided in <U>Section&#8239;6</U> hereof and the indemnity and contribution and other agreements
in <U>Section&#8239;8</U> hereof; but nothing herein shall relieve a defaulting Underwriter from liability for its default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The respective indemnities, agreements, representations, warranties and other statements of the Company and the several Underwriters,
as set forth in this Agreement or made by or on behalf of them, respectively, pursuant to this Agreement, shall remain in full force and
effect, regardless of any investigation (or any statement as to the results thereof) made by or on behalf of any Underwriter or any controlling
person of any Underwriter, or the Company, or any officer or director or controlling person of the Company, and shall survive delivery
of and payment for the Notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>If this Agreement is terminated pursuant to <U>Section&#8239;9</U> hereof, neither the Company nor the Bank shall then be under
any liability to any Underwriter, except as provided in <U>Sections&#8239;6</U> (in the case of the Company) and <U>8</U> (in the case
of the Company and the Bank) hereof; but, if for any other reason, any Notes are not delivered by or on behalf of the Company as provided
herein, the Company will reimburse the Underwriters through the Representatives for all reasonable out-of-pocket expenses, including reasonable
fees and disbursements of counsel, incurred by the Underwriters in connection with the transactions contemplated hereby, including, without
limitation, marketing, syndication and travel expenses incurred by the Underwriters in making preparations for the purchase, sale and
delivery of the Notes not so delivered, but the Company shall then be under no further liability to the Underwriters except as provided
in <U>Sections&#8239;6</U> and <U>8</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company acknowledges and agrees that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>in connection with the sale of the Notes, the Underwriters have been retained solely to act as underwriters, and no fiduciary,
advisory or agency relationship between the Company, on the one hand, and the Underwriters, on the other hand, has been created in respect
of any of the transactions contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>the interest rate and price of the Notes set forth in this Agreement was established following discussions and arm&rsquo;s-length
negotiations between the Company and the Underwriters, and the Company is capable of evaluating and understanding and understands and
accepts the terms, risks and conditions of the transactions contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>it has been advised that the Underwriters and their respective affiliates are engaged in a broad range of transactions which may
involve interests that differ from those of the Company and that each Underwriter has no obligation to disclose such interests and transactions
to the Company by virtue of any fiduciary, advisory or agency relationship; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>it waives, to the fullest extent permitted by law, any claims it may have against any Underwriter for breach of fiduciary duty
or alleged breach of fiduciary duty and agrees that each Underwriter shall have no liability (whether direct or indirect) to the Company
in respect of such a fiduciary duty claim or to any person asserting a fiduciary duty claim on behalf of or in right of the Company, including
shareholders, employees, depositors or creditors of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>In all dealings hereunder, the Representatives shall act on behalf of each of the Underwriters, and the parties hereto shall be
entitled to act and rely upon any statement, request, notice or agreement on behalf of any Underwriter made or given by the Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All statements, requests,
notices and agreements hereunder shall be in writing, and if to the Underwriters shall be delivered or sent by mail or facsimile transmission
to the Representatives at Piper Sandler &amp; Co., 1251 Avenue of the Americas, 6th Floor, New York, NY 10020, Attention: General Counsel,
Facsimile No.: (212) 466-7796, and Keefe, Bruyette &amp; Woods, Inc., 787 Seventh Avenue, 4th Floor, New York, NY 10019, Attention: Capital
Markets, Facsimile No.: (212) 581-1592, email: USCapitalMarkets@kbw.com, with a copy to Paul Hastings LLP, 200 Park Avenue, New York,
NY 10166, Attention: Christopher DeCresce, Facsimile No.: (212) 230-7754; and if to the Company shall be delivered or sent by mail to
the Company at 220 RXR Plaza, Uniondale, New York 11556, Attention: Susan K. Cullen, Facsimile No.: (516) 358-5224, with a copy to Holland
 &amp; Knight LLP, 800 17th Street, NW, Suite 1100, Washington, DC 20006, Attention: Kevin Houlihan, Facsimile No.:(202) 955-5564; provided,
that any notice to an Underwriter pursuant to <U>Section&#8239;8(c)</U> hereof shall be delivered or sent by mail or facsimile transmission
to such Underwriter at its address which will be supplied to the Company by the Representatives upon request. Any such statements, requests,
notices or agreements shall take effect upon receipt thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">14.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>This Agreement shall be binding upon, and inure solely to the benefit of, the Underwriters, the Company, and the Bank and, to the
extent provided in <U>Sections&#8239;8</U> and <U>10</U> hereof, the officers and directors of the Company and of the Bank and each person
who controls the Company, the Bank or any Underwriter, and their respective heirs, executors, administrators, successors and assigns,
and no other person shall acquire or have any right under or by virtue of this Agreement. No purchaser of any of the Notes from any Underwriter
shall be deemed a successor or assign by reason merely of such purchase.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">15.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Time shall be of the essence of this Agreement. As used herein, the term &ldquo;business day&rdquo; shall mean any day when the
Commission&rsquo;s office in Washington, D.C. is open for business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">16.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>This Agreement shall be governed by and construed in accordance with the laws of the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">17.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>This Agreement may be executed by any one or more of the parties hereto in any number of counterparts, each of which shall be deemed
to be an original, but all such counterparts shall together constitute one and the same instrument.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">18.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>(a)&#9;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In the event that any Underwriter that is a Covered Entity becomes subject to proceeding under a U.S.&#8239;Special Resolution
Regime, the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective
to the same extent as the transfer would be effective under the U.S.&#8239;Special Resolution Regime if this Agreement, and any such interest
and obligation, were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>In the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate of such Underwriter becomes subject to a proceeding
under a U.S.&#8239;Special Resolution Regime, Default Rights under this Agreement that may be exercised against such Underwriter are permitted
to be exercised to no greater extent than such Default Rights could be exercised under the U.S.&#8239;Special Resolution Regime if this
Agreement were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>For purposes of this Agreement, (i) &ldquo;<B>BHC Act Affiliate</B>&rdquo; has the meaning assigned to the term &ldquo;affiliate&rdquo;
in, and shall be interpreted in accordance with, 12 U.S.C. &sect; 1841(k)&#894; (ii) &ldquo;<B>Covered Entity</B>&rdquo; means any of
the following: (A)&#8239;a &ldquo;covered entity&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;
252.82(b)&#894; (B)&#8239;a &ldquo;covered bank&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;
47.3(b)&#894; or (C)&#8239;a &ldquo;covered FSI&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;
382.2(b)&#894; (iii) &ldquo;<B>Default Right</B>&rdquo; has the meaning assigned to that term in, and shall be interpreted in accordance
with, 12 C.F.R. &sect;&sect; 252.81, 47.2 or 382.1, as applicable&#894; and (iv) &ldquo;<B>U.S.&#8239;Special Resolution Regime</B>&rdquo;
means each of (X)&#8239;the Federal Deposit Insurance Act and the regulations promulgated thereunder and (Y)&#8239;Title&#8239;II of the
Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the foregoing is in accordance
with your understanding, please sign and return to us a counterpart hereof, and upon the acceptance hereof by the Representatives, on
behalf of each of the Underwriters, this letter and such acceptance hereof shall constitute a binding agreement among each of the Underwriters,
the Company and the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Very truly yours,</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">FLUSHING FINANCIAL CORPORATION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&#8239;</TD>
    <TD STYLE="font-size: 10pt; width: 3%">By:</TD>
    <TD STYLE="font-size: 10pt; width: 47%"><U>/s/ Susan K. Cullen_____________________</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Name: Susan K. Cullen</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Title: Senior Executive Vice President, Treasurer and Chief Financial Officer</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">FLUSHING BANK</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&#8239;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD STYLE="font-size: 10pt">By:</TD>
    <TD STYLE="font-size: 10pt"><U>/s/ Susan K. Cullen_____________________</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Name: Susan K. Cullen</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&#8239;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Title: Senior Executive Vice President, Treasurer and Chief Financial Officer</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[Signature Page to Underwriting Agreement]</I></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-indent: -0.2in">CONFIRMED AND ACCEPTED<BR>
as of the date hereof:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PIPER SANDLER &amp; CO.,<BR>
as Representative of the Underwriters</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">By:</TD><TD><U>/s/ Jennifer A. Docherty&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</U><BR>
                                            Name: Jennifer A. Docherty<BR>
                                            Title: Managing Director</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement]</I></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-indent: -0.2in">CONFIRMED AND ACCEPTED<BR>
as of the date hereof:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">Keefe, Bruyette &amp; Woods,
Inc.</FONT>,<BR>
as Representative of the Underwriters</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">By:</TD><TD><U>/s/ Joseph Moeller</U>________________________________<BR>
Name: Joseph Moeller<BR>
Title: Managing Director</TD></TR></TABLE>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">By:</TD><TD><U>/s/ Victor A. Saek</U>________________________________<BR>
Name: Victor A. Saek<BR>
Title: Managing Director</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement]</I></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE&#8239;I<BR>
<BR>
$65,000,000</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">6.000% Fixed-to-Floating Rate Subordinated Notes
due 2032</P>

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    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt"><B><U>Underwriter</U></B></TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt"><B><U>Principal Amount of the Notes</U></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">Piper Sandler &amp; Co.</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 0.125in">&#9;$&#9;39,000,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">Keefe, Bruyette &amp; Woods, Inc.</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 0.125in">&#9;$&#9;26,000,000</TD></TR>
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    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">&#8239;</TD>
    <TD STYLE="padding-right: 5.75pt; padding-left: 5.75pt">&#8239;</TD></TR>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE&#8239;II<BR>
<BR>
Issuer-Represented General Use Free Writing Prospectuses</P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">1.</TD><TD STYLE="text-align: justify">Investor Presentation, filed with the Commission on August 15,
2022</TD>
</TR></TABLE>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.5in; text-align: left">2.</TD><TD STYLE="text-align: justify">The Final Term Sheet for the Notes</TD>
</TR></TABLE>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE&#8239;III<BR>
<BR>
Final Term Sheet for the Notes</P>

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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-style: normal">ANNEX
I</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Form of Opinion of Counsel to the Company<BR>
<U>to be delivered pursuant to Section&#8239;7(c)</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">i.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company is validly existing and is in good standing as a corporation under the laws of the State of Delaware and is registered
as a bank holding company under the Bank Holding Company Act of 1956, as amended.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">ii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company has the corporate power and corporate authority to own, lease and operate its properties and to conduct its business
as such business is described in the General Disclosure Package and the Prospectus and to enter into and perform its obligations under
the Underwriting Agreement, the Notes and the Indenture (collectively, the &ldquo;<B>Transaction Documents</B>&rdquo;) and to perform
its obligations contemplated thereby. The Company has taken all corporate action necessary under its governing instruments to execute,
deliver and perform its obligations under the Transaction Documents and to consummate the transactions contemplated by the Transaction
Documents.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">iii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Bank is validly existing as a New York chartered bank and is in good standing under the laws of the State of New York, with
the corporate power and corporate authority to own, lease and operate its properties and to conduct its business as described in the General
Disclosure Package and the Prospectus. The Bank is the only subsidiary of the Company that is a depository institution.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">iv.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Notes have been duly authorized and executed by the Company and, when authenticated and delivered by the Trustee and issued
by the Company in the manner provided in the Indenture against payment of the consideration therefor in accordance with the Underwriting
Agreement, will constitute valid and binding obligations of the Company, enforceable against the Company in accordance with their terms,
except as the enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium, or similar laws relating to or
affecting enforcement of the rights and remedies of creditors or by general principles of equity, and will be entitled to the benefits
provided by the Indenture. The Notes conform in all material respects to the description thereof contained in the Prospectus.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">v.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Each of the Subordinated Indenture and the First Supplemental Indenture has been duly authorized, executed and delivered by the
Company. Assuming the due authorization, execution and delivery of the Subordinated Indenture and the First Supplemental Indenture by
the Trustee, the Indenture constitutes a valid and binding agreement of the Company, enforceable against the Company in accordance with
its terms, except as the enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium, or similar laws relating
to or affecting enforcement of the rights and remedies of creditors or by general principles of equity. The Indenture conforms in all
material respects to the description thereof contained in the Prospectus Supplement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">vi.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Indenture has been duly qualified under the Trust Indenture Act of 1939, as amended.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">vii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Underwriting Agreement has been duly authorized, executed and delivered by the Company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">viii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Any required filing of the Prospectus pursuant to Rule&#8239;424(b) under the 1933 Act has been made in the manner and within the
time period required by such Rule&#8239;424(b).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">ix.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The statements made in the Prospectus Supplement under the captions &ldquo;Description of the Notes&rdquo; insofar as such statements
purport to constitute summaries of the terms of the Notes and the Indenture, constitute accurate summaries of such terms in all material
respects.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">x.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Such counsel has reviewed the statements under the caption &ldquo;Material United States Federal Income Tax Consequences&rdquo;
appearing in the Statutory Prospectus as of August 15, 2022 and the Prospectus as of August 19, 2022, and, insofar as such statements
constitute certain federal income tax laws of the United States, they fairly summarize those certain federal income tax laws of the United
States in all material respects.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">xi.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>No consent, approval, authorization, order, registration or qualification of or with any court or governmental agency or body is
required for the Company&rsquo;s execution, delivery of, and performance of its obligations under, the Underwriting Agreement, the Notes
and the Indenture, including the issuance and sale of the Notes, and the consummation of the transactions contemplated by the Underwriting
Agreement and by the Prospectus, except (i)&#8239;the registration of the Notes as required under the 1933 Act and as required by applicable
state securities or blue sky laws as to which we express no opinion, and (ii)&#8239;as otherwise have been obtained or made.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">xii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>None of (A)&#8239;the execution and delivery of the Underwriting Agreement by the Company and the performance by the Company of
its obligations thereunder, (B)&#8239;the execution and delivery of the Indenture and the global note representing the Notes by the Company
and the performance by the Company of its obligations thereunder or (C)&#8239;the issuance and sale by the Company of the Notes: (i)&#8239;will
conflict with or result in any violation of, or breach, of any of the provisions of the amended Certificate of Incorporation or Amended
and Restated Bylaws of the Company or the Organizational Certificate or Bylaws of the Bank&#894; (ii)&#8239;will, to such counsel&rsquo;s
knowledge, constitute a Repayment Event (as defined below) or a breach of, or default under, or result in the creation or imposition of
any lien, charge or encumbrance upon any property or assets of the Company or the Bank pursuant to any material agreements and instruments
filed as exhibits pursuant to Item&#8239;601(b)(10) of Regulation&#8239;S-K promulgated under the 1934 Act to the Company&rsquo;s Annual
Report on Form&#8239;10-K for the year ended December&#8239;31, 2015, Quarterly Reports on Form&#8239;10-Q or Current Reports on Form&#8239;8-K
since the date of such Annual Report (&ldquo;<B>Material Contrac</B>t&rdquo;), other than Repayment Events, breaches, defaults, liens,
charges or encumbrances that would not have a Material Adverse Effect; or (iii)&#8239;will result in any violation of any applicable law,
statute, rule, regulation, or to the extent known to such counsel, any judgment, order, writ or decree, of any Governmental Entity having
jurisdiction over the Company or the Bank or any of their respective properties, assets or operations other than violations that would
not have a Material Adverse Effect, provided that we do not express any opinion as to state securities laws. As used herein, a &ldquo;Repayment
Event&rdquo; means any event or condition which gives the holder of any note, debenture or other financing instrument of the Company (or
any person acting on such holder&rsquo;s behalf) the right to require the repurchase, redemption or repayment of all or a portion of the
related financing by the Company or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">xiii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company is not, or as a result of the consummation of the sales of the Notes as contemplated by the Underwriting Agreement
(including the receipt of proceeds from the offering contemplated therein) will not be, required to register as an investment company
under the Investment Company Act of 1940, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">xiv.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>As of its issue date, the Statutory Prospectus and the Prospectus, and each supplement thereto, excluding the documents incorporated
by reference therein (and other than the financial statements and other financial and statistical data included or incorporated by reference
in the Prospectus, or omitted therefrom, and the Trustee&rsquo;s Statement of Eligibility on Form&#8239;T-1, as to each of which we express
no opinion), comply as to form in all material respects with the requirements of the 1933 Act and the applicable rules and regulations
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Such counsel&rsquo;s opinions
may be based on and subject to such assumptions, qualifications, limitations and exceptions as are customary in such opinion letters with
respect to opinions of the type described above. In addition, such counsel may state that whenever its opinion is based on factual matters
that are &ldquo;to its knowledge after due inquiry&rdquo; or &ldquo;of which it has knowledge after due inquiry,&rdquo; such counsel has,
with the concurrence of the Representatives, relied to the extent such counsel deemed appropriate on certificates of officers (after the
discussion of the contents thereof with such officers) of the Company or certificates of others as to the existence or nonexistence of
the factual matters upon which such opinion is predicated. Such counsel shall state that it has no reason to believe, however, that any
such certificate is untrue or inaccurate in any material respect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><BR></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Negative Assurance</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, such counsel
shall state that, although they are not passing upon and do not assume any responsibility for nor have they independently verified, the
accuracy, completeness or fairness of the statements contained in the General Disclosure Package or the Prospectus, except to the extent
set forth in opinions (ix)&#8239;and (x)&#8239;above, in connection with the preparation of the General Disclosure Package and the Prospectus,
such counsel has participated in conferences with representatives and counsel of the Underwriters and with certain officers and employees
of, and counsel and independent certified public accountants for, the Company, at which conferences the contents of the General Disclosure
Package and the Prospectus and related matters were discussed, and such counsel advises the Underwriters that nothing has come to such
counsel&rsquo;s attention that would lead such counsel to believe that (i)&#8239;the General Disclosure Package (other than the financial
statements and other financial, statistical and accounting information contained therein as to which such counsel need express no belief),
at the Applicable Time contained any untrue statement of a material fact or omitted to state a material fact necessary to make the statements
therein, in the light of the circumstances under which they were made, not misleading, or (ii)&#8239;the Prospectus or any amendment or
supplement thereto made by the Company (other than the financial statements and other financial, statistical and accounting information
contained therein as to which such counsel need express no belief) as of the date thereof or the Closing Date contains any untrue statement
of a material fact or omits to state a material fact necessary to make the statements therein, in the light of the circumstances under
which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">* * * * * * * *</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>


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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-style: normal">ANNEX
II</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Form of Opinion of Counsel to the Company<BR>
<U>to be delivered pursuant to Section&#8239;7(d)</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">i.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Company has the corporate power and corporate authority to own, lease and operate its properties and to conduct its business
as such business is described in the Registration Statement and the Base Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">ii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Bank has the corporate power and corporate authority to own, lease and operate its properties and to conduct its business as
described in the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">iii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>All of the outstanding shares of capital stock and other equity interests, as the case may be, of the Bank are owned by the Company,
directly or indirectly through its Subsidiaries, to such counsel&rsquo;s knowledge, free and clear of all security interests, liens, encumbrances
and claims or restrictions on transferability or voting restrictions (other than those arising under laws of general application).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">iv.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Such counsel has reviewed the statements (i)&#8239;under the caption &ldquo;Legal Matters,&rdquo; &ldquo;Regulation,&rdquo; and
 &ldquo;Risk Factors&rdquo; appearing in the documents filed pursuant to the 1934 Act incorporated by reference in one or more of the documents
that were part of the General Disclosure Package as of August 19, 2022 and in the Prospectus as of August 19, 2022 and (ii)&#8239;in Item&#8239;15
of the Registration Statement on the date on which it became effective, and insofar as such statements purport to summarize matters of
law, summaries solely of legal matters, provisions of the Company&rsquo;s amended Certificate of Incorporation or Amended and Restated
Bylaws, legal proceedings, or legal conclusions, they fairly summarize those matters of law, legal matters, provisions of the Company&rsquo;s
amended Certificate of Incorporation or Amended and Restated Bylaws, legal proceedings or legal conclusions in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">v.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>To the knowledge of such counsel, there are no legal or governmental actions, suits or proceedings pending or threatened which
are required to be disclosed in the Registration Statement, other than those disclosed therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">vi.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>To the knowledge of such counsel, there are no agreements or instruments required to be described or referred to in the Registration
Statement or to be filed as exhibits thereto other than those described or referred to therein or filed as exhibits thereto; and any descriptions
of any such agreements or instruments contained therein fairly summarize such agreements or instruments in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">vii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>To such counsel&rsquo;s knowledge, there are no persons with registration or other similar rights to have any equity or debt securities
registered for sale under the Registration Statement or included in the offering contemplated by the Underwriting Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">viii.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Each document filed pursuant to the 1934 Act that is incorporated or deemed to be incorporated by reference in the Registration
Statement&#8239;(as of the date of effectiveness), the General Disclosure Package and the Prospectus complied, when so filed, as to form
in all material respects with the requirements of the 1934 Act (except for the financial statements, other financial information, accounting
information and statistical data included therein or omitted therefrom, as to which we express no opinion).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">ix.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>The Registration Statement became effective upon filing with the Commission under the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">x.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT>Without independent check or verification of the statements contained therein, as of its effective date, the Registration Statement,
and each amendment thereto, excluding the documents incorporated by reference therein (and other than the financial statements, other
financial information, accounting information, statistical data, other matters referred to in the Base Prospectus or the preliminary prospectus
supplement dated August 15, 2022 under the caption &ldquo;Experts&rdquo;, and the names of the underwriters set forth on the cover page
of the Prospectus Supplement, in each case included or incorporated by reference in the Registration Statement, or omitted therefrom,
and the Trustee&rsquo;s Statement of Eligibility on Form&#8239;T-1, as to each of which we express no opinion), complies as to form in
all material respects with the requirements of the 1933 Act and the applicable rules and regulations thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Such counsel&rsquo;s opinions
may be based on and subject to such assumptions, qualifications, limitations and exceptions as are customary in such opinion letters with
respect to opinions of the type described above. In addition, such counsel may state that whenever its opinion is based on factual matters
that are &ldquo;to its knowledge after due inquiry&rdquo; or &ldquo;of which it has knowledge after due inquiry,&rdquo; such counsel has,
with the concurrence of the Representatives, relied to the extent such counsel deemed appropriate on certificates of officers (after the
discussion of the contents thereof with such officers) of the Company or certificates of others as to the existence or nonexistence of
the factual matters upon which such opinion is predicated. Such counsel shall state that it has no reason to believe, however, that any
such certificate is untrue or inaccurate in any material respect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><BR>
</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-left: auto; margin-right: auto; margin-top: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&#8239;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Negative Assurance</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, such counsel
shall state that, although they are not passing upon and do not assume any responsibility for nor have they independently verified, the
accuracy, completeness or fairness of the statements contained in the Registration Statement, except to the extent set forth in opinion
(iv)&#8239;above, in connection with the preparation of the Registration Statement, such counsel has participated in conferences with representatives
and counsel of the Underwriters and with certain officers and employees of, and counsel and independent certified public accountants for,
the Company, at which conferences the contents of the Registration Statement and related matters were discussed, and such counsel advises
the Underwriters that nothing has come to such counsel&rsquo;s attention that would lead such counsel to believe that the Registration
Statement or any further amendment thereto, including information deemed by virtue of Rule&#8239;430B (if applicable) to be part of such
Registration Statement, made by the Company (other than the financial statements and other financial, statistical and accounting information
contained therein as to which such counsel need express no belief), as of the date of the Underwriting Agreement, contained any untrue
statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make the statements therein
not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8239;</P>


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<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-style: normal">ANNEX
III</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Subsidiaries</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Financial Capital Trust II</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Financial Capital Trust III</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Financial Capital Trust IV</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">FSB Properties Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Service Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Remsen Units, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

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<DOCUMENT>
<TYPE>EX-99.1
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<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
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<BODY>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><B>Exhibit 99.1&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><B>Correction
Notice to Press Release Announcing Flushing Financial Corporation Closed $65.0 Million of Fixed-to-Floating Rate Subordinated Notes</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B>Flushing Financial
Corporation (NASDAQ: FFIC) (&ldquo;FFIC&rdquo; or the &ldquo;Company&rdquo;) announced today that its press release issued under the
headline &ldquo;Flushing Financial Corporation Announces Closing of $65.0 Million of Fixed-to-Floating Rate Subordinated Notes&rdquo;
on August 19, 2022, inadvertently referenced the closing of an underwritten public offering of its fixed-to-floating rate subordinated
notes due 2032. The corrected headline and press release is set forth in its entirety below.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><B>Flushing Financial
Corporation Announces Pricing of $65 Million Subordinated Debt Offering</B>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B>UNIONDALE, NY
 &#8211; August 22, 2022 &#8211; Flushing Financial Corporation (NASDAQ: FFIC)</B>&nbsp;(&#8220;FFIC&#8221; or the
 &#8220;Company&#8221;), the holding company for Flushing Bank (the &#8220;Bank&#8221;), today announced that it has priced an
underwritten public offering of $65 million aggregate principal amount of its&nbsp;fixed-to-floating&nbsp;rate subordinated notes
due 2032 (the &#8220;Notes&#8221;) on August 19, 2022. The Notes will initially bear a fixed interest rate of 6.000% per year.
Commencing on September 1, 2027, the interest rate on the Notes resets quarterly to the three-month SOFR rate plus a spread of 313.0
basis points, payable quarterly in arrears. The offering is expected to close on August 24, 2022, subject to the satisfaction of
customary closing conditions. FFIC plans to use the net proceeds from the Notes offering for general corporate purposes, which
include providing capital to support our growth organically or through strategic acquisitions and for investing in the Bank as
regulatory capital.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">Piper Sandler&nbsp;&amp;
Co. is acting as Lead Book-Running Manager and Keefe, Bruyette &amp; Woods, <I>A Stifel Company</I> is acting as Joint Book-Running Manager.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">Each offering will be
made only by means of a prospectus supplement and accompanying base prospectus. FFIC has filed a registration statement on Form&nbsp;S-3&nbsp;(File&nbsp;No.&nbsp;333-260993)
and a preliminary prospectus supplement to the prospectus contained in the registration statement with the U.S. Securities and Exchange
Commission (&#8220;SEC&#8221;) for the Notes to which this communication relates. Prospective investors should read the applicable prospectus
supplement and base prospectus in the registration statement and other documents FFIC has filed or will file with the SEC for more complete
information about FFIC and the relevant offering. You may obtain these documents for free by visiting EDGAR on the SEC&#8217;s website
at http://www.sec.gov. Electronic copies of each preliminary prospectus supplement, when available, and the accompanying base prospectus
may be obtained by contacting Piper Sandler&nbsp;&amp; Co. by telephone at (866)&nbsp;805-4128&nbsp;or by email at&nbsp;<U>FSG-DCM@psc.com</U>
or Keefe, Bruyette &amp; Woods, <I>A Stifel Company</I> by telephone at (800) 966-1559 or by email at USCapitalMarkets@kbw.com.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">This press release shall
not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Notes, in any state or jurisdiction
in which such offer, solicitation or sale would be unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B>About Flushing Financial
Corporation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">Flushing Financial Corporation
(<FONT STYLE="text-transform: uppercase">Nasdaq</FONT>: FFIC) is the holding company for Flushing Bank<SUP>&reg;</SUP>, an FIDC-insured,
New York State-chartered commercial bank that operates banking offices in Queens, Brooklyn, Manhattan, and on Long Island. The Bank has
been building relationships with families, business owners, and communities since 1929. Today, it offers the products, services, and conveniences
associated with large commercial banks, including a full complement of deposit, loan, equipment finance, and cash management services.
Rewarding customers with personalized attention and bankers that can communicate in the languages prevalent within these multicultural
markets is what makes the Bank uniquely different. As an Equal Housing Lender and leader in real estate lending, the Bank&#8217;s experienced
lending teams create mortgage solutions for real estate owners and property managers both within and outside the New York City metropolitan
area. The Bank also fosters relationships with consumers nationwide through its online banking division with the iGObanking&reg; and BankPurely&reg;
brands.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B>Forward-Looking Statements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">This press release
may contain forward-looking statements within the meaning of the federal securities laws. These statements include statements with
respect to our beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates, intentions and future
performance and involve known and unknown risks, uncertainties and other factors, many of which may be beyond our control and that
may cause the actual results, performance or achievements of the Company to be materially different from future results, performance
or achievements expressed or implied by such forward-looking statements. All forward-looking statements are subject to risks,
uncertainties and other factors that may cause our actual results, performance or achievements to differ materially from any results
expressed or implied by such forward-looking statements. Such factors include, among others the impact of the COVID-19 pandemic on
our financial condition and results of operations; changes in interest rates, including recent and perhaps future increases fueled
by inflation; risks that may be exacerbated depending on the mix of loan types we use in lending activities; failure to effectively
manage our liquidity; our ability to obtain brokered deposits as an additional funding source; the highly competitive markets in
which we operate; changes in national and/or local economic conditions; changes in laws and regulations; current conditions in, and
regulation of, the banking industry; a failure in or breach of our operational or security systems or infrastructure, or those of
our third party vendors and other service providers, including as a result of cyberattacks; changes in cybersecurity or privacy
regulations; increased delays in foreclosure proceedings; our inability to hire or retain key personnel; impairment of goodwill
recorded as a result of acquisitions; inability to fully realize the expected benefit of our deferred tax assets; global climate
changes; ESG requirements; and uncertainty surrounding the elimination of LIBOR.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">These and other factors
are more fully described under &#8220;Risk Factors&#8221; in Item 1A of the Company&#8217;s most recent Annual Report on Form 10-K for
the fiscal year ended December 31, 2021, filed with the SEC on March 7, 2022, and other factors discussed in the filings we make with
the SEC under the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">All forward-looking statements
attributable to the Company are expressly qualified in their entirety by these cautionary statements. Forward-looking statements speak
only as of the date on which such statements are made. Except as required by law, we disclaim any obligation to update these forward-
looking statements, whether as a result of new information, future events or otherwise. There is no assurance that future results, levels
of activity, performance or goals will be achieved.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B>Contact:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Susan K. Cullen<BR>
Senior Executive Vice President, Chief Financial Officer<BR>
Flushing Financial Corporation<BR>
718-961-5400</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</link:label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>ffic-20220819_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.22.2.2</span><table class="report" border="0" cellspacing="2" id="idm139862030561552">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Aug. 19, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Aug. 19,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-33013<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">FLUSHING FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000923139<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">11-3209278<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">220 RXR Plaza<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Uniondale<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">11556<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(718)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">961-5400<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $0.01 par value<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FFIC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:submissionTypeItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
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<td>xbrli:booleanItemType</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:fileNumberItemType</td>
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<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:employerIdItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:tradingSymbolItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
