<SEC-DOCUMENT>0001104659-24-128237.txt : 20241213
<SEC-HEADER>0001104659-24-128237.hdr.sgml : 20241213
<ACCEPTANCE-DATETIME>20241213090629
ACCESSION NUMBER:		0001104659-24-128237
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20241212
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20241213
DATE AS OF CHANGE:		20241213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLUSHING FINANCIAL CORP
		CENTRAL INDEX KEY:			0000923139
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		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:		241546937

	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
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<p style="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES&#160;</b></p>

<p style="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Washington, D.C. 20549</b></p>

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<p style="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section&#160;13 or 15(d)&#160;of
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<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: center"><i>(Commission File Number)</i></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><i>(State or other jurisdiction of incorporation)</i></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: justify">Check the appropriate box below if the Form&#160;8&#8722;K filing
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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"><span style="font-family: Wingdings"><span id="xdx_903_edei--WrittenCommunications_c20241212__20241212_zai2m8ncmfth"><ix:nonNumeric contextRef="AsOf2024-12-12" format="ixt:booleanfalse" id="Fact000021" name="dei:WrittenCommunications">&#168;</ix:nonNumeric></span></span> Written communications
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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"><span style="font-family: Wingdings"><span id="xdx_903_edei--SolicitingMaterial_c20241212__20241212_zQVR3Jd6CVE9"><ix:nonNumeric contextRef="AsOf2024-12-12" format="ixt:booleanfalse" id="Fact000022" name="dei:SolicitingMaterial">&#168;</ix:nonNumeric></span></span> Soliciting material
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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"><span style="font-family: Wingdings"><span id="xdx_904_edei--PreCommencementTenderOffer_c20241212__20241212_zYSG2UAtnWrj"><ix:nonNumeric contextRef="AsOf2024-12-12" format="ixt:booleanfalse" id="Fact000023" name="dei:PreCommencementTenderOffer">&#168;</ix:nonNumeric></span></span> Pre-commencement
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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communications pursuant to Rule&#160;13e-4(c)&#160;under the Exchange Act (17 CFR 240.13e-4(c))</p>

<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; background-color: white">Securities registered pursuant to Section&#160;12(b)&#160;of
the Act:</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; background-color: white">Indicate by check mark whether the registrant
is an emerging growth company as defined in Rule&#160;405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule&#160;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">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><span style="font-size: 10pt">Emerging growth
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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; background-color: white"><span style="font-size: 10pt">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&#160;13(a)&#160;of the Exchange Act.&#160;</span><span style="font-family: Wingdings">&#168;</span></p>

<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>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: justify; background-color: white; color: #212529"><b>Item&#160;1.01.
Entry into a Material Definitive Agreement.</b></p>

<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; background-color: white; color: #212529">On
December&#160;12, 2024, Flushing Financial Corporation (the &#8220;Company&#8221;) entered into an underwriting agreement
(the&#160;&#8220;Underwriting Agreement&#8221;) with Keefe, Bruyette&#160;&amp; Woods,&#160;Inc., Piper Sandler&#160;&amp; Co. and
Raymond James&#160;&amp; Associates,&#160;Inc. (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, 4,590,164 shares of the Company&#8217;s common stock, $0.01 par value per share (the &#8220;Common Stock&#8221;). The
shares of Common stock were sold at a price to the public of $15.25 per share. The Company also granted the Underwriters a 30-day
option to purchase up to an additional 688,524 shares of the Company&#8217;s Common Stock on the same terms and conditions, solely
to cover overallotments, if any.</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; background-color: white; color: #212529">After
deducting underwriting discounts and commissions and estimated offering expenses payable by the Company, the Company expects the net
proceeds of the offering to be approximately $66,325,001 or approximately $76,273,751 if the Underwriters exercise in full their
option to purchase additional shares of Common Stock.</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; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">The
Company intends to use the net proceeds of the offering for </span>general corporate purposes, including investing a portion of the net
proceeds into Flushing Bank (the &#8220;Bank&#8221;) to support the Bank&#8217;s capital ratios in connection with the potential repositioning
of a substantial portion of its available-for-sale securities portfolio as well as a potential sale of certain of its commercial real
estate loans<span style="color: #212529">. The offering is expected to close on or about December&#160;16, 2024, subject to satisfaction
of customary closing conditions.</span></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; background-color: white; color: #212529">The
Underwriting Agreement contains customary representations, warranties, and covenants of the Company, and also provides for customary
indemnification by the Company in favor of the Underwriters against certain liabilities and customary contribution provisions in respect
of those liabilities.</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; background-color: white; color: #212529">The
offering and sale of the Common Stock was made pursuant to the Company&#8217;s effective Registration Statement on Form&#160;S-3 (Registration
No.&#160;333-283312) (the &#8220;Registration Statement&#8221;), filed by the Company with the U.S. Securities and Exchange Commission
(the &#8220;Commission&#8221;) on November&#160;18, 2024, including the base prospectus contained therein, and a related preliminary
and final prospectus supplement, each dated December&#160;12, 2024, filed by the Company with the Commission pursuant to Rule&#160;424(b)&#160;under
the Securities Act of 1933, as amended.</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; background-color: white; color: #212529">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&#160;1.1 to this Current Report on Form&#160;8-K and is incorporated herein by reference. The validity
of the shares offered in this public offering was passed upon for the Company by Hughes Hubbard&#160;&amp; Reed LLP. The legal opinion
and related consent are attached hereto as Exhibits 5.1 and 23.1, respectively.</p>

<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; background-color: white; color: #212529"><b>Item 8.01. Regulation
FD Disclosure.</b></p>

<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; background-color: white; color: #212529">On December 12, 2024, the Company issued (i) a press release announcing the commencement of a public offering of its Common Stock and
(ii) a press release announcing the pricing of the public offering, as described above in Item 1.01. Copies of the press releases are
attached as Exhibits 99.1 and 99.2 hereto and are incorporated herein by reference.</p>

<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>

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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"><b>Item 9.01. Financial Statements and Exhibits.</b></p>

<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">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exhibits.</p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exhibit</span></td>
    <td style="width: 90%">&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Number</span></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Description</span></span></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="text-align: left; vertical-align: top"><a href="tm2430453d1_ex1-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1
    </span></a></td>
    <td style="text-align: justify"><a href="tm2430453d1_ex1-1.htm">Underwriting Agreement, dated December 12, 2024, among Flushing Financial Corporation, Keefe
    Bruyette &amp; Woods, Inc., Piper Sandler &amp; Co. and Raymond James &amp; Associates, Inc.</a></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><a href="tm2430453d1_ex5-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</span></a></td>
    <td><a href="tm2430453d1_ex5-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Opinion of Hughes Hubbard
    &amp; Reed LLP.</span></a></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><a href="tm2430453d1_ex5-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.1</span></a></td>
    <td><a href="tm2430453d1_ex5-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent of Hughes Hubbard
    &amp; Reed LLP (included in Exhibit 5.1).</span></a></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><a href="tm2430453d1_ex99-1.htm">99.1</a></td>
    <td><a href="tm2430453d1_ex99-1.htm">Press release announcing commencement of offering, dated December 12, 2024.</a></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><a href="tm2430453d1_ex99-2.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.2</span></a></td>
    <td><a href="tm2430453d1_ex99-2.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Press release announcing pricing of offering, dated
    December 12, 2024.</span></a></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529; background-color: white">Cover Page
    Interactive Data File (embedded within the Inline XBRL document).</span></td></tr>
  </table>

<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>

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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-top: 0pt; margin-bottom: 0pt; text-align: center">SIGNATURES</p>

<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">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">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td/>
    <td colspan="2"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">FLUSHING FINANCIAL CORPORATION</span></td>
    </tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td colspan="2">&#160;</td>
    </tr>
  <tr style="vertical-align: bottom">
    <td style="width: 50%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date: December 12, 2024</span></td>
    <td style="width: 5%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</span></td>
    <td style="border-bottom: Black 1pt solid; width: 45%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Susan K. Cullen</span></td>
    </tr>
  <tr style="vertical-align: bottom">
    <td/>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name </span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Susan K. Cullen</span></td>
    </tr>
  <tr style="vertical-align: bottom">
    <td/>
    <td style="text-align: left; vertical-align: top"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title: </span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Executive Vice President, <br/>
Chief Financial Officer
    and Treasurer</span></td>
    </tr>
  </table>

<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>

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<DOCUMENT>
<TYPE>EX-1.1
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<DESCRIPTION>EXHIBIT 1.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 1.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">4,590,164 Shares<SUP>1</SUP></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; text-align: center">Flushing Financial Corporation</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; text-align: center">Common Stock</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; text-align: center"><U>UNDERWRITING AGREEMENT</U></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; text-align: center">December&nbsp;12, 2024</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">Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">787 Seventh Avenue, 4<SUP>th</SUP> Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10019</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; text-align: justify">Piper Sandler&nbsp;&amp; Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1251 Avenue of the Americas, 6<SUP>th</SUP> Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">New York, New York 10020</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; text-align: justify">Raymond James&nbsp;&amp; Associates,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">320 Park Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">New York, New York 10022</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">Ladies and Gentlemen:</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; text-indent: 0.5in">Flushing Financial Corporation, a Delaware
corporation (the &ldquo;<B>Company</B>&rdquo;), proposes to issue and sell to the several underwriters named in <U>Schedule I</U>
hereto (each, an &ldquo;<B>Underwriter</B>&rdquo; and, collectively, the &ldquo;<B>Underwriters</B>&rdquo;), pursuant to the terms
set forth in this Underwriting Agreement (this &ldquo;<B>Agreement</B>&rdquo;), an aggregate of 4,590,164 shares (the &ldquo;<B>Firm
Shares</B>&rdquo;) of the Company&rsquo;s common stock, $0.01 par value per share (the &ldquo;<B>Common Stock</B>&rdquo;). The
Company has also granted to the Underwriters an option to purchase up to an additional 688,524 shares of Common Stock (the
 &ldquo;<B>Option Shares</B>&rdquo;). The Firm Shares and the Option Shares are hereinafter referred to collectively as the
 &ldquo;<B>Shares</B>.&rdquo;</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; text-indent: 0.5in">The Company has prepared and filed with the United
States Securities and Exchange Commission (the &ldquo;<B>Commission</B>&rdquo;) a shelf registration statement on Form&nbsp;S-3 (File
No.&nbsp;333-283312), covering the public offering and sale of certain securities, including the Shares, under the Securities Act of 1933,
as amended (the &ldquo;<B>Securities Act</B>&rdquo;), and the rules&nbsp;and regulations promulgated thereunder (the &ldquo;<B>Securities
Act Regulations</B>&rdquo;), which shelf registration statement has been declared effective by the Commission. Such registration statement,
as amended by any post-effective amendments, including the financial statements, exhibits and schedules thereto, the documents incorporated
or deemed to be incorporated by reference therein at such time pursuant to Item 12 of Form&nbsp;S-3 under the Securities Act, and including
any information deemed to be a part thereof at the time of effectiveness pursuant to Rule&nbsp;430B of the Securities Act Regulations,
is hereinafter referred to as the &ldquo;<B>Registration Statement</B>.&rdquo; From and after the date and time of filing any registration
statement increasing the size of the offering pursuant to Rule&nbsp;462(b)&nbsp;of the Securities Act Regulations (a &ldquo;<B>Rule&nbsp;462(b)&nbsp;Registration
Statement</B>&rdquo;), the term &ldquo;Registration Statement&rdquo; shall include the Rule&nbsp;462(b)&nbsp;Registration Statement. The
prospectus, in the form first used by the Underwriters to confirm sales of the Shares or in the form first made available to the Underwriters
by the Company to meet requests of purchasers pursuant to Rule&nbsp;173 of the Securities Act Regulations, is referred to herein as the
 &ldquo;<B>Prospectus Supplement</B>.&rdquo; The term &ldquo;<B>Base Prospectus</B>&rdquo; means the prospectus relating to the Shares,
in the form in which it was filed with the Commission as part of the Registration Statement at the time it became effective on November&nbsp;29,
2024, or in the form in which it has most recently been filed with the Commission on or before the date of this Agreement. The term &ldquo;<B>Prospectus</B>&rdquo;
means the Base Prospectus as supplemented by the Prospectus Supplement, and each prospectus in preliminary form that describes the Shares
and the offering thereof and is used before the filing of the Prospectus is</P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><SUP>1</SUP> Plus an
additional 688,524 shares subject to Underwriter's over-allotment option.</P>

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

<!-- Field: Page; Sequence: 1 -->
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">referred to herein as a &ldquo;<B>preliminary prospectus</B>.&rdquo;
The preliminary prospectus relating to the Shares that was included in the Registration Statement immediately before the Applicable Time
(as defined below) is hereinafter called the &ldquo;<B>Pricing Prospectus.</B>&rdquo; The &ldquo;<B>Pricing Disclosure Package</B>&rdquo;
means the Pricing Prospectus, together with the Issuer Free Writing Prospectuses (as defined below), if any, listed on <U>Schedule II</U>
hereto, and the pricing information conveyed orally to investors, and as set forth on <U>Schedule II</U> hereto. For the purposes of this
Agreement, the &ldquo;<B>Applicable Time</B>&rdquo; is 7:00 p.m., New York City time, on December&nbsp;12, 2024. Any
 &ldquo;issuer free writing prospectus&rdquo; (as defined in Rule&nbsp;433 of the Securities Act Regulations) relating to the offering
of the Shares contemplated hereunder is hereinafter called an &ldquo;<B>Issuer Free Writing Prospectus</B>.&rdquo; As used herein, &ldquo;<B>Road
Show&rdquo; </B>means a &ldquo;road show&rdquo; (as defined in Rule&nbsp;433 of the Securities Act Regulations) relating to the offering
of the Shares contemplated hereby that is a &ldquo;written communication&rdquo; (as defined in Rule&nbsp;405 of the Securities Act Regulations).
As used herein, the terms &ldquo;Registration Statement,&rdquo; &ldquo;preliminary prospectus,&rdquo; &ldquo;Pricing Disclosure Package&rdquo;
and &ldquo;Prospectus&rdquo; shall include the documents, if any, incorporated by reference therein as of the date hereof. The terms &ldquo;supplement,&rdquo;
 &ldquo;amendment&rdquo; and &ldquo;amend&rdquo; as used herein with respect to the Registration Statement, the Pricing Disclosure Package,
any preliminary prospectus or the Prospectus shall include all documents subsequently filed by the Company with the Commission pursuant
to the Securities Exchange Act of 1934, as amended (the &ldquo;<B>Exchange Act</B>&rdquo;), that are deemed to be incorporated by reference
therein. &ldquo;<B>Testing-the-Waters Communication</B>&rdquo; means any oral or written communication with potential investors undertaken
in reliance on Section&nbsp;5(d)&nbsp;of the Securities Act. &ldquo;<B>Written Testing-the-Waters Communication</B>&rdquo; means any Testing-the-Waters
Communication that is a written communication within the meaning of Rule&nbsp;405 of the Securities Act Regulations. &ldquo;<B>Permitted
Written Testing-the-Waters Communication</B>&rdquo; means the Written Testing-the-Waters Communications, if any, listed on <U>Schedule
III</U> hereto.</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; text-indent: 0.5in">The Company confirms its agreement with each of
the several Underwriters, as follows.</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 0pt 0.5in"><B>Section&nbsp;1.</B></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company represents and warrants to each of the several Underwriters at the date hereof, the Applicable Time, and the Closing Date (as
defined below) and agrees with each of the several Underwriters, as follows:</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Compliance
of the Registration Statement, the Prospectus and Incorporated Documents</U>. The Registration Statement was declared effective by the
Commission on November&nbsp;29, 2024. No stop order suspending the effectiveness of the Registration Statement, any Rule&nbsp;462(b)&nbsp;Registration
Statement or any post-effective amendment thereto has been issued under the Securities Act, no notice of objection of the Commission to
the use of the Registration Statement or any post-effective amendment thereto has been received by the Company, no order preventing or
suspending the use of any preliminary prospectus or the Prospectus or any amendment or supplement thereto has been issued and no proceedings
for any of those purposes have been instituted or are pending or, to the Company&rsquo;s knowledge, contemplated. The Company has complied
with each request (if any) from the Commission for additional information.</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; text-indent: 1in">Each of the Registration Statement and any post-effective
amendment thereto, at the time of its effectiveness and as of each deemed effective date with respect to the Underwriters pursuant to
Rule&nbsp;430B(f)(2)&nbsp;and any Rule&nbsp;462(b)&nbsp;Registration Statement, if applicable, complied in all material respects with
the requirements of the Securities Act and the Securities Act Regulations. Each preliminary prospectus, the Prospectus and any amendment
or supplement thereto, at the time each was filed with the Commission, complied in all material respects with the requirements of the
Securities Act and the Securities Act Regulations and are identical to the electronically transmitted copies thereof filed with the Commission
pursuant to its Electronic Data Gathering, Analysis and Retrieval System (&ldquo;<B>EDGAR</B>&rdquo;), except to the extent permitted
by Regulation S-T of the Commission.</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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<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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Accurate
Disclosure</U>. Neither the Registration Statement, the Pricing Disclosure Package, the Prospectus, any preliminary prospectus, the Rule&nbsp;462(b)&nbsp;Registration
Statement, if any, nor any post-effective amendment thereto, at its effective time, or at the Closing Date contained, contains or will
contain an untrue statement of a material fact or omitted, omits or will omit to state a material fact required to be stated therein or
necessary to make the statements therein not misleading. At the Applicable Time, neither (A)&nbsp;the Pricing Disclosure Package nor (B)&nbsp;any
individual Issuer Free Writing Prospectus, when considered together with the Pricing Disclosure Package, 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. Neither the Prospectus nor any amendment or supplement
thereto, as of its issue date or at the Closing Date, 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. There are no statutes, regulations, documents or contracts of a character required to be described
in the Registration Statement, the Rule&nbsp;462(b)&nbsp;Registration Statement, if any, the Pricing Disclosure Package and the Prospectus,
or to be filed as an exhibit to the Registration Statement or the Rule&nbsp;462(b)&nbsp;Registration Statement, if any, which are not
described or filed as required. There are no business relationships or related person transactions involving the Company or any Subsidiary
(as defined herein) or any other person required to be described in the Registration Statement, the Rule&nbsp;462(b)&nbsp;Registration
Statement, if any, the Pricing Disclosure Package and the Prospectus that have not been described as required.</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; text-indent: 1in">The representations and warranties in this subsection
shall not apply to statements in or omissions from the Registration Statement, any Rule&nbsp;462(b)&nbsp;Registration Statement or any
amendment thereto or the Pricing Disclosure Package or the Prospectus or any amendment or supplement thereto made in reliance upon and
in conformity with written information furnished to the Company by any Underwriter expressly for use therein. For purposes of this Agreement,
the only information so furnished shall be the names of the Underwriters and their respective allocation of shares, the third and fifth
sentences of the first paragraph under the heading &ldquo;Commission and Expenses&rdquo; and the information under the heading &ldquo;Stabilization,&rdquo;
each under the heading &ldquo;Underwriting,&rdquo; in each case, contained in the Registration Statement, any Rule&nbsp;462(b)&nbsp;Registration
Statement, the preliminary prospectus contained in the Pricing Disclosure Package and the Prospectus (collectively, the &ldquo;<B>Underwriter
Information</B>&rdquo;).</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Issuer
Free Writing Prospectuses</U>. No Issuer Free Writing Prospectus conflicts or will conflict with the information contained in the Registration
Statement, any preliminary prospectus or the Prospectus, that has not been superseded or modified.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Not Ineligible Issuer</U>. (A)&nbsp;At the time of filing the Registration Statement, any Rule&nbsp;462(b)&nbsp;Registration Statement
and any post-effective amendment thereto, (B)&nbsp;at the earliest time thereafter that the Company or another offering participant made
a bona fide offer (within the meaning of Rule&nbsp;164(h)(2)&nbsp;of the Securities Act Regulations) of the Shares and (C)&nbsp;at the
Applicable Time, the Company was not and is not an &ldquo;ineligible issuer,&rdquo; as defined in Rule&nbsp;405 of the Securities Act
Regulations.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Auditors</U>.
BDO USA, P.C., that has certified and expressed its opinion with respect to certain of the consolidated financial statements of the
Company that are incorporated by reference in the Registration Statement, the Pricing Disclosure Package and the Prospectus, (i) is
an independent registered public accountant as required by the Securities Act and the Securities Act Regulations and by the
rules&nbsp;of the Public Company Accounting Oversight Board (the &ldquo;<B>PCAOB</B>&rdquo;), and (ii)&nbsp;is not in violation of
the auditor independence requirements of the Sarbanes-Oxley Act of 2002 (the &ldquo;<B>Sarbanes-Oxley Act</B>&rdquo;) with respect
to the Company.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Financial
Statements; Non-GAAP Financial Measures</U>. The audited consolidated financial statements and related notes and supporting schedules
of the Company and the</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Subsidiaries (as defined below) incorporated by reference into the Registration Statement, the Pricing 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 (&ldquo;<B>GAAP</B>&rdquo;), 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 Pricing 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 Pricing 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 Pricing 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&nbsp;and guidelines thereto. To the extent applicable,
all disclosures contained in the Registration Statement, the Pricing Disclosure Package or the Prospectus, if any, regarding &ldquo;non-GAAP
financial measures&rdquo; (as such term is defined by the Commission&rsquo;s rules&nbsp;and regulations) comply, in all material respects,
with Regulation&#8239;G of the Exchange Act and Item&#8239;10 of Regulation&#8239;S-K under the Securities Act, as applicable.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Material Adverse Change in Business</U>. Subsequent to the respective dates as of which information is contained in the Registration Statement,
the Pricing 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;).</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Good
Standing of the Company</U>. The Company is duly organized and is validly existing as a corporation in good standing under the laws of
the State of Delaware and has corporate power and authority to own, lease and operate its properties and to conduct its business as described
in the Registration Statement, the Pricing Disclosure Package and the Prospectus and to enter into and perform its obligations under this
Agreement; and the Company is duly qualified as a foreign corporation to transact business and is in good standing in each other jurisdiction
in which such qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except
where the failure to so qualify or to be in good standing would not reasonably be expected to result in a Material Adverse Effect.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Good
Standing of Subsidiaries</U>. Flushing Bank (the &ldquo;<B>Bank</B>&rdquo;) is a commercial bank chartered and in good standing under
the laws of the State of New York and the charter of the Bank is in full force and effect. The Company does not own or</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">control, directly or indirectly,
any material corporation, association or other entity other than the subsidiaries disclosed in Part I - Item 1. Business -
Subsidiary Activities of the Company's Annual Report on Form 10-K for the year ended December 31, 2023, incorporated by reference
into the Pricing Disclosure Package and the Prospectus (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 Annual Report on Form&#8239;10-K for the year ended
December&nbsp;31, 2023, incorporated by reference into the Pricing Disclosure Package and the Prospectus. Each of the Subsidiaries
is duly organized and is validly existing as a corporation or other organization in good standing under the laws of the jurisdiction
of its incorporation, formation or organization, has the requisite corporate or organizational power and authority to own, lease and
operate its properties and to conduct its business as described in the Registration Statement, the Pricing Disclosure Package and
the Prospectus, and is duly qualified as a foreign corporation or other business entity to transact business and is in good standing
in each jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of property or the
conduct of business, except where the failure to so qualify or to be in good standing would not reasonably be expected to result in
a Material Adverse Effect. Except as otherwise disclosed in the Registration Statement, the Pricing Disclosure Package and the
Prospectus, all of the issued and outstanding capital stock of the Subsidiaries is duly authorized and validly issued, are fully
paid and non-assessable and are owned by the Company or the Bank, free and clear of any security interest, mortgage, pledge, lien,
encumbrance, claim or equity; none of the outstanding shares of capital stock of the Subsidiaries was issued in violation of the
preemptive or similar rights of any securityholder of any Subsidiary arising by operation of law, or under the articles of
incorporation, bylaws, charter or other organizational documents of the Company or the Subsidiaries or under any agreement to which
the Company or any Subsidiary is a party.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Capitalization</U>.
The authorized, issued and outstanding capital stock of the Company is as set forth in the Registration Statement, the Pricing Disclosure
Package and the Prospectus in the column entitled &ldquo;Actual&rdquo; under the caption &ldquo;Capitalization&rdquo; (except for subsequent
issuances, if any, pursuant to this Agreement, pursuant to reservations, agreements or employee benefit plans referred to in the Registration
Statement, the Pricing Disclosure Package and the Prospectus or pursuant to the exercise of convertible securities or options referred
to in the Registration Statement, the Pricing Disclosure Package and the Prospectus). The shares of issued and outstanding capital stock
of the Company is duly authorized and validly issued and are fully paid and non-assessable; none of the outstanding shares of capital
stock of the Company was issued in violation of the preemptive rights, rights of first refusal or other similar rights of any securityholder
of the Company arising by operation of law, or under the articles of incorporation, bylaws or other organizational documents of the Company
or any Subsidiary or under any agreement to which the Company or any Subsidiary is a party.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Equity Awards</U>. With respect to any stock options, restricted stock, restricted stock units, performance-based equity awards or other
equity or equity-based awards (the &ldquo;<B>Equity Awards</B>&rdquo;) granted pursuant to any compensation or incentive plan of the Company
or its Subsidiaries providing for the issuance of Equity Awards (the &ldquo;<B>Company Plans</B>&rdquo;), (A)&nbsp;each grant of an Equity
Award was duly authorized no later than the date on which the grant of such Equity Award was by its terms to be effective by all necessary
corporate action, and (B)&nbsp;each such grant was made in accordance with the terms of the Company Plans and in material compliance with
all other applicable laws and regulatory rules&nbsp;or requirements.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Authorization
of Agreement</U>. &nbsp;The Company has the requisite power and authority to execute and deliver this Agreement and to perform its obligations
hereunder; and all action required to be taken for the due and proper authorization, execution and delivery by it of this Agreement and
the consummation by it of the transactions contemplated hereby has been duly and validly taken.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xiii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Authorization
and Description of Shares</U>. The Shares to be purchased by the Underwriters from the Company have been duly authorized for issuance
and sale to the Underwriters pursuant to this Agreement and, when issued and delivered by the Company pursuant to this</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Agreement against
payment of the consideration set forth herein, will be validly issued and fully paid and non-assessable; the Common Stock will conform,
in all material respects, to all statements relating thereto contained in the Registration Statement, the Pricing Disclosure Package and
the Prospectus and such statements conform, in all material respects, to the rights set forth in the instruments defining the same; no
holder of the Shares will be subject to personal liability for the debts of the Company by reason of being such a holder; and the issuance
of the Shares is not subject to the preemptive rights, rights of first refusal or other similar rights of any securityholder of the Company.
There are no authorized or outstanding options, warrants, preemptive rights, rights of first refusal or other rights to purchase, or equity
or debt securities convertible into or exchangeable or exercisable for, any capital stock of the Company or any of the Subsidiaries other
than those described in the Registration Statement, the Pricing Disclosure Package and the Prospectus. The descriptions of the Company&rsquo;s
stock bonus and other stock plans or arrangements, and the rights granted thereunder, set forth in the Registration Statement, the Pricing
Disclosure Package and the Prospectus accurately and fairly present, in all material respects, the information required to be shown with
respect to such plans, arrangements and rights.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xiv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Summaries
of Legal Matters</U>. The statements set forth in the Registration Statement, the Pricing Disclosure Package or the Prospectus under the
captions &ldquo;Description of Capital Stock&rdquo; and &ldquo;Description of Common Stock,&rdquo; insofar as they purport to constitute
a summary of certain provisions of the Company&rsquo;s 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,
2023, insofar as they purport to describe the provisions of the laws, rules, regulations or documents referred to therein, are accurate
and complete in all material respects.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Defaults and Conflicts</U>. Except as described in the Pricing Disclosure Package and the Prospectus, the Company is not in violation
of its Certificate of Incorporation, as amended (the &ldquo;<B>Charter</B>&rdquo;), or Amended and Restated Bylaws (the &ldquo;<B>Bylaws</B>&rdquo;);
none of the Subsidiaries, including the Bank, is in violation of its charter, bylaws or other organizational documents and neither the
Company nor any of its Subsidiaries is in default in the performance or observance of any obligation, agreement, covenant or condition
contained in any contract, indenture, mortgage, deed of trust, loan or credit agreement, note, lease or other agreement or instrument
to which the Company or any of its Subsidiaries is a party or by which it or any of them may be bound, or to which any of the property
or assets of the Company or any Subsidiary is subject (collectively, &ldquo;<B>Agreements and Instruments</B>&rdquo;), or in violation
of any law or statute or any judgment, order, rule&nbsp;or regulation of any court or arbitrator or governmental or regulatory authority,
except for such violations or defaults that would not, individually or in the aggregate, reasonably be expected to result in a Material
Adverse Effect; and the execution, delivery and performance of this Agreement and the consummation of the transactions contemplated herein
and therein, and in the Registration Statement (including the issuance and sale of the Shares and the use of the proceeds from the sale
of the Shares as described in the Prospectus under the caption &ldquo;Use of Proceeds&rdquo;) and compliance by the Company with its obligations
hereunder have been duly authorized by all necessary corporate action and do not and will not, whether with or without the giving of notice
or passage of time or both, conflict with or constitute a breach of, or default or Repayment Event (as defined below) under, or result
in the creation or imposition of any lien, charge or encumbrance upon any property or assets of the Company or any Subsidiary pursuant
to, the Agreements and Instruments (except for such conflicts, breaches or defaults or liens, charges or encumbrances that would not,
individually or in the aggregate, reasonably be expected to result in a Material Adverse Effect); nor will such action result in any violation
of the provisions of the Charter or Bylaws of the Company or the charter, bylaws or other organizational document of any Subsidiary; nor
will such action result in any violation of any applicable law, statute, rule, regulation, judgment, order, writ or decree of any government,
government instrumentality or court, domestic or foreign, having jurisdiction over the Company or any Subsidiary or any of their assets,
properties or operations (except for such violations that would not, individually or in the aggregate, reasonably be expected to result
in a Material Adverse Effect). As used herein, a &ldquo;<B>Repayment Event</B>&rdquo; means any event or condition which gives the holder
of any</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">note, debenture or other evidence of indebtedness (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 such indebtedness by the Company or any Subsidiary.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xvi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Nasdaq
Compliance</U>. The Common Stock is registered pursuant to Section&nbsp;12(b)&nbsp;of the Exchange Act and is listed on The Nasdaq Global
Select Market (&ldquo;<B>Nasdaq</B>&rdquo;). The Company has taken no action designed to, or likely to have the effect of, terminating
the registration of the Common Stock under the Exchange Act or the listing of the Common Stock on Nasdaq, nor has the Company received
any notification that the Commission or Nasdaq is contemplating terminating such registration or listing. The transactions contemplated
by this Agreement will not contravene the rules&nbsp;or regulations of Nasdaq.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vxii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Labor Dispute</U>. No labor dispute with the employees of the Company or any Subsidiary exists or, to the knowledge of the Company,
is imminent. The Company is not aware of any existing or imminent labor disturbance by the employees of any of its or any Subsidiary&rsquo;s
principal suppliers, manufacturers, customers or contractors, which, in either case, would, individually or in the aggregate, reasonably
be expected to result in a Material Adverse Effect. Except for matters which would not, individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect, neither the Company nor any Subsidiary is engaged in any unfair labor practice; and (A)&nbsp;there
is (1)&nbsp;no unfair labor practice complaint pending or, to the Company&rsquo;s knowledge, threatened against the Company or any Subsidiary
before the National Labor Relations Board or any similar domestic or foreign body, and no grievance or arbitration proceeding arising
out of or under collective bargaining agreements is pending or, to the Company&rsquo;s knowledge, threatened, (2)&nbsp;no strike, labor
dispute, slowdown or stoppage&nbsp;pending or, to the Company&rsquo;s knowledge, threatened against the Company or any Subsidiary and
(3)&nbsp;no union representation dispute currently existing concerning the employees of the Company or any Subsidiary, (B)&nbsp;to the
Company&rsquo;s knowledge, no union organizing activities are currently taking place concerning the employees of the Company or any Subsidiary
and (C)&nbsp;there has been no violation of any federal, state, local or foreign law relating to discrimination in the hiring, promotion
or pay of employees, any applicable wage or hour laws or any provision of the Employee Retirement Income Security Act of 1974, as amended,
and the regulations and published interpretations thereunder (collectively, &ldquo;<B>ERISA</B>&rdquo;), or any similar domestic or foreign
law or the rules&nbsp;and regulations promulgated thereunder concerning the employees of the Company or any Subsidiary.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xviii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Proceedings</U>. Except as disclosed in the Registration Statement, the Pricing 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 brought by any court or 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.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Bank
Holding Company Act</U>. The Company is duly registered as, and meets in all material respects the applicable requirements for qualification
as, a bank holding company under the applicable provisions of the Bank Holding Company Act of 1956, as amended. The activities of the
Company are permitted of a bank holding company under applicable law and the rules&nbsp;and regulations of the Board of Governors of the
Federal Reserve System (&ldquo;<B>Federal Reserve</B>&rdquo;) set forth in Title 12 of the Code of Federal Regulations.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xx)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Compliance
with Bank Regulatory Authorities</U>. The Company and the Bank are in compliance in all material respects with all applicable laws, rules&nbsp;and
regulations, including, without limitation, all applicable regulations and orders of, or agreements with, the Federal Reserve, the Federal
Deposit Insurance Corporation (&ldquo;<B>FDIC</B>&rdquo;), and the New York State Department of Financial Services (the &ldquo;<B>NYDFS</B>&rdquo;),
as applicable (collectively, the &ldquo;<B>Bank Regulatory Authorities</B>&rdquo;), the Equal Credit Opportunity Act, the Fair Housing
Act, the Truth in Lending Act, the Community Reinvestment Act (the &ldquo;<B>CRA</B>&rdquo;), the Home Mortgage Disclosure Act, the Bank
Secrecy Act of 1970</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">(the &ldquo;<B>Bank Secrecy Act</B>&rdquo;), as amended by Title III of the Uniting and Strengthening America by Providing
Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the &ldquo;<B>USA Patriot Act</B>&rdquo;), to the extent such
laws or regulations apply to the Company or the Bank, as applicable. The Company has no knowledge of any facts and circumstances, and
has no reason to believe that any facts or circumstances exist, that could cause the Bank (A)&nbsp;to be deemed not to be in satisfactory
compliance with the CRA and the regulations promulgated thereunder or to be assigned a CRA rating by federal or state banking regulators
of lower than &ldquo;satisfactory,&rdquo; or (B)&nbsp;to be deemed to be operating in violation, in any material respect, of the Bank
Secrecy Act, the USA Patriot Act or any order issued with respect to the Anti-Money Laundering Laws (as defined below). As of September&nbsp;30,
2024, the Bank met or exceeded the standards necessary to be considered &ldquo;well capitalized&rdquo; under the regulatory framework
for prompt corrective action of the FDIC. The Bank is the only depository institution subsidiary of the Company and the Bank is a member
in good standing of the Federal Home Loan Bank System. The activities of the Bank are permitted under the laws and regulations of the
State of New York. Since December&nbsp;31, 2021, the Company, and the Bank have filed all material reports, registrations and statements,
together with any required amendments thereto, that it was required to file with the Federal Reserve, the FDIC, the NYDFS, and any other
applicable federal or state banking authorities. All such reports and statements filed with any such regulatory body or authority are
collectively referred to herein as the &ldquo;<B>Company Reports</B>.&rdquo; As of their respective dates, the Company Reports, as amended,
complied as to form in all material respects with all the rules&nbsp;and regulations promulgated by the Federal Reserve, the FDIC and
any other applicable federal or state banking authorities, as the case may be. Except as disclosed in the Registration Statement, the
Pricing Disclosure Package and the Prospectus, neither the Company nor the Bank is currently a party or subject to any formal or informal
agreement, memorandum of understanding, consent decree, directive, cease-and-desist order, order of prohibition or suspension, written
commitment, supervisory agreement or other written statement as described under 12 U.S.C. 1818(u)&nbsp;with, or order issued by, or has
adopted any currently effective board resolutions at the request of, the Federal Reserve, the FDIC, the NYDFS or any other applicable
federal or state bank regulatory authority that restricts materially the conduct of its business, or in any manner relates to its capital
adequacy, its credit policies or its management, nor have any of them been advised by any Bank Regulatory Authority that it is contemplating
issuing or requesting (or is considering the appropriateness of issuing or requesting) any such order, decree, agreement, memorandum of
understanding, extraordinary supervisory letter, commitment letter or similar submission, or any such board resolutions or that imposes
any restrictions or requirements not generally applicable to bank holding companies or commercial banks. There is no unresolved violation,
criticism or exception by any Bank Regulatory Authority with respect to any examination of the Company or the Bank which might reasonably
be expected to result in a Material Adverse Effect.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Further Requirements</U>. No filing with, or authorization, approval, consent, license, order, registration, qualification or decree
of, any court or governmental agency or body is necessary or required for the performance by the Company of its obligations under this
Agreement in connection with the offering, issuance or sale of the Shares or the consummation of the transactions contemplated in this
Agreement before the Closing Date, except such as have been already obtained or as may be required under the Securities Act, the Securities
Act Regulations, the rules&nbsp;of Nasdaq, the securities laws of any state or non-U.S. jurisdiction or the rules&nbsp;of the Financial
Industry Regulatory Authority (&ldquo;<B>FINRA</B>&rdquo;). All of the information provided to the Underwriters or to counsel for the
Underwriters by the Company, its counsel, and to the Company&rsquo;s knowledge, its officers and directors and the holders of any securities
(debt or equity) or options to acquire any securities of the Company in connection with the offering of the Shares is true, complete,
correct and compliant with FINRA&rsquo;s rules, in all material respects, and any letters, filings or other supplemental information provided
to FINRA pursuant to FINRA Rules&nbsp;are true, complete and correct in all material respects.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Possession
of Licenses and Permits</U>. The Company and its Subsidiaries have all franchises, licenses, permits, certificates and other authorizations
from such federal, state or local government or governmental agencies, departments or bodies that are currently necessary to own,</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">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.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxiv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Title
to Property</U>. The Company and its Subsidiaries have good and marketable title in fee simple to all real property owned by the Company
and its Subsidiaries, if any, and good title to all other properties owned by them, in each case, free and clear of all mortgages, pledges,
liens, security interests, claims, restrictions or encumbrances of any kind except such as (A)&nbsp;are described in the Registration
Statement, the Pricing Disclosure Package and the Prospectus or (B)&nbsp;do not materially affect the value of such property and do not
interfere with the use made and proposed to be made of such property by the Company or any Subsidiary. All of the leases and subleases
under which the Company or any of its Subsidiaries holds properties described in the Registration Statement, the Pricing Disclosure Package
and the Prospectus, are in full force and effect and are held under valid, subsisting and enforceable leases, and neither the Company
nor any Subsidiary has any written notice of any material claim that has been asserted by anyone adverse to the rights of the Company
or any Subsidiary under any of the leases or subleases mentioned above, or affecting or questioning the rights of the Company or such
Subsidiary to the continued possession of the leased or subleased premises under any such lease or sublease.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Possession
of Intellectual Property</U>. The Company and its Subsidiaries own or possess, or could acquire on reasonable terms, adequate patents,
patent rights, licenses, inventions, copyrights, know-how (including trade secrets and other unpatented and/or unpatentable proprietary
or confidential information, systems or procedures and excluding generally commercially available &ldquo;off the shelf&rdquo; software
programs licensed pursuant to shrink wrap or &ldquo;click and accept&rdquo; licenses), systems, technology, trademarks, service marks,
trade names or other intellectual property (collectively, the &ldquo;<B>Intellectual Property</B>&rdquo;) necessary to carry on the business
now operated by them, except where the failure to own or possess such Intellectual Property would not reasonably be expected to have a
Material Adverse Effect, and neither the Company nor any of its Subsidiaries has received any notice or otherwise has any knowledge of
any infringement of or conflict with asserted rights of others with respect to any Intellectual Property or of any facts or circumstances
which would reasonably be expected to render any Intellectual Property invalid or inadequate to protect the interest of the Company or
any of its Subsidiaries therein, except where such infringement, conflict, inadequacy or invalidity would not reasonably be expected to
have a Material Adverse Effect.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxvi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Environmental
Laws</U>. Except as described in the Registration Statement, the Pricing Disclosure Package and the Prospectus and except as would not,
individually or in the aggregate, reasonably be expected to result in a Material Adverse Effect, (A)&nbsp;neither the Company nor any
of its Subsidiaries is in violation of any federal, state, local or foreign statute, law, rule, regulation, ordinance, code, policy or
rule&nbsp;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 (including, without limitation, ambient air,
surface water, groundwater, land surface or subsurface strata) or wildlife, 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 (collectively, &ldquo;<B>Environmental
Laws</B>&rdquo;), (B)&nbsp;the Company and its Subsidiaries have all permits, authorizations and approvals required under any applicable
Environmental Laws and are each in compliance with their requirements, (C)&nbsp;there are no pending or to the knowledge of the Company,
threatened administrative, regulatory or judicial actions, suits, demands, demand letters, claims, liens, written notices of noncompliance
or violation, investigation or proceedings relating to</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">any Environmental Law against the Company or any of its Subsidiaries and (D)&nbsp;to
the knowledge of the Company, there are no events or circumstances that would reasonably be expected to result in forming the basis of
an order for clean-up or remediation, or an action, suit or proceeding by any private party or governmental body or agency, against or
affecting the Company or any of its Subsidiaries relating to Hazardous Materials or any Environmental Laws.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxvii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>ERISA</U>.
Except as would not reasonably be expected to result in a Material Adverse Effect, each employee benefit plan, within the meaning of Section&nbsp;3(3)&nbsp;of
ERISA, that is maintained, administered or contributed to by the Company or any Subsidiary or any member of the Company&rsquo;s &ldquo;control
group&rdquo; (within the meaning of Section&nbsp;414 of the Internal Revenue Code of 1986, as amended (the &ldquo;<B>Code</B>&rdquo;),
and Section&nbsp;4001(a)(14) of ERISA) (the &ldquo;<B>Controlled Group</B>&rdquo;), for employees or former employees of the Company and
its affiliates or with respect to which the Company, any Subsidiary or any member of the Controlled Group has any liability, whether fixed
or contingent (each, a &ldquo;<B>Plan</B>&rdquo;), has been maintained in compliance in all material respects with its terms and the requirements
of any applicable statutes, orders, rules&nbsp;and regulations, including but not limited to ERISA and the Code, and to the knowledge
of the Company, (A)&nbsp;no &ldquo;prohibited transaction,&rdquo; within the meaning of Section&nbsp;406 of ERISA or Section&nbsp;4975
of the Code has occurred with respect to any such Plan excluding transactions effected pursuant to a statutory or administrative exemption;
(B)&nbsp;no &ldquo;reportable event&rdquo; (as defined under ERISA) has occurred or is reasonably expected to occur with respect to any
Plan; and (C)&nbsp;no Plan, if such Plan were terminated, would reasonably be expected to have any &ldquo;amount of unfunded benefit liabilities&rdquo;
(as defined under ERISA). Each Plan that is intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code is so qualified and either
has received a current favorable determination from the IRS or may rely upon a current favorable opinion letter from the IRS that such
Employee Benefit Plan is so qualified, and nothing has occurred, whether by action or failure to act, which could cause the loss of such
qualification. Neither the Company nor any of its Subsidiaries nor any member of the Controlled Group has any &ldquo;accumulated post-retirement
benefit obligations&rdquo; (within the meaning of Statement of Financial Accounting Standards 106) with respect to a Plan. To the knowledge
of the Company, there is no pending audit or investigation by the Internal Revenue Service, the U.S. Department of Labor, the Pension
Benefit Guaranty Corporation or any other governmental agency or any foreign agency.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxviii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Internal
Control Over Financial Reporting</U>. The Company maintains a system of internal control over financial reporting (as defined in Rules&#8239;13a-15(f)&nbsp;and
15d-15(f)&nbsp;under the Exchange 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 is in compliance in all material
respects with all applicable provisions of the Sarbanes-Oxley Act of 2002, as amended, and the rules&nbsp;and regulations promulgated
thereunder.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Disclosure
Controls and Procedures</U>. The Company has disclosure controls and procedures (as defined in Rules&#8239;13a-15(e)&nbsp;and 15d-15(e)&nbsp;under
the Exchange 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..</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxx)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Pending
Procedures and Examinations</U>. The Registration Statement is not the subject of a pending proceeding or examination under Section&nbsp;8(d)&nbsp;or
8(e)&nbsp;of the Securities Act,</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">and the Company is not the subject of a pending proceeding under Section&nbsp;8A of the Securities Act
in connection with the offering of the Shares.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Payment
of Taxes</U>. The Company and the Subsidiaries have filed all other tax returns that are required to have been filed by them pursuant
to applicable foreign, state, local or other law, and have paid all taxes due pursuant to such returns or pursuant to any assessment received
by the Company or any Subsidiary except for such taxes, if any, as are being contested in good faith and as to which adequate reserves
have been provided in the Company&rsquo;s financials in accordance with GAAP and except in each case, insofar as the failure to file such
returns or failure to pay such taxes, individually or in the aggregate, would not reasonably be expected to result in a Material Adverse
Effect. The charges, accruals and reserves on the books of the Company and the Subsidiaries in respect of any income and corporation tax
liability for any years not finally determined are adequate to meet any assessments or re-assessments for additional income tax for any
years not finally determined, except to the extent of any inadequacy that would not result in a Material Adverse Effect.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Investment
Company Act</U>. The Company is not, and upon the issuance and sale of the Shares as herein contemplated and the application of the net
proceeds therefrom as described in the Registration Statement, the Pricing Disclosure Package and the Prospectus will not be, an &ldquo;investment
company&rdquo; or an entity &ldquo;controlled&rdquo; by an &ldquo;investment company&rdquo; as such terms are defined in the Investment
Company Act of 1940, as amended (the &ldquo;<B>Investment Company Act</B>&rdquo;).</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxiii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Absence
of Manipulation.</U> Neither the Company nor any of the Subsidiaries, nor, to the knowledge of the Company, any affiliates of the Company
or its Subsidiaries, has taken, directly, or indirectly, and neither the Company nor any of the Subsidiaries, nor any affiliates of the
Company or its Subsidiaries, will take, directly or indirectly, any action designed to cause or result in, or which constitutes or might
reasonably be expected to constitute, the stabilization or manipulation of the price of any security of the Company or any &ldquo;reference
security&rdquo; (as defined in Rule&nbsp;100 of Regulation M under the Exchange Act) to facilitate the sale or resale of the Shares or
otherwise, and has taken no action which would directly or indirectly violate Regulation M under the Exchange Act.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxiv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Compliance
with Applicable Anti-Corruption Laws</U>. None of the Company, any of its Subsidiaries or, to the knowledge of the Company, any director,
officer, agent or employee of the Company or any of its Subsidiaries has (A)&nbsp;used any corporate funds for any unlawful contribution,
gift, entertainment or other unlawful expense; (B)&nbsp;corruptly made or taken an act in furtherance of an offer, promise or payment,
directly or indirectly, to any foreign government official from corporate funds; (C)&nbsp;otherwise violated or is in violation of any
provision of the U.S. Foreign Corrupt Practices Act of 1977, as amended (the &ldquo;<B>FCPA</B>&rdquo;); any applicable U.S. domestic
anti-bribery law; or any applicable non-U.S. anti-bribery statute or regulation; or (D)&nbsp;made, offered, agreed, requested or taken
an act in furtherance of any unlawful bribe, rebate, payoff, influence payment, kickback or other unlawful payment.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Anti-Money
Laundering Laws</U>. The operations of the Company and its Subsidiaries and, to the knowledge of the Company, their respective affiliates,
are and have been conducted at all times in compliance with applicable financial recordkeeping and reporting requirements of the Bank
Secrecy Act, the money laundering statutes of all applicable jurisdictions and the rules&nbsp;and regulations thereunder issued, administered
or enforced by any governmental agency or body (collectively, the &ldquo;<B>Anti-Money Laundering Laws</B>&rdquo;); and no action, suit
or proceeding by or before any court, governmental agency or body involving the Company or any of its Subsidiaries with respect to the
Anti-Money Laundering Laws is pending or, to the knowledge of the Company, threatened. The Company and its Subsidiaries and, to the knowledge
of the Company, their respective affiliates, have conducted their businesses in compliance with applicable anti-corruption laws and have
instituted and maintain and will continue to maintain policies and procedures designed to promote and achieve compliance with such laws.</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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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxvi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>OFAC</U>.
None of the Company, any of the Subsidiaries or any officer or director of either the Company or any Subsidiary, nor, to the knowledge
of the Company, any agent, employee, affiliate or person acting on behalf of the Company or any of the Subsidiaries is or has been (A)&nbsp;engaged
in any services (including financial services), transfers of goods, software, or technology, or any other business activity related to
(i)&nbsp;Cuba,&nbsp;Iran, North Korea, Syria, the so-called Donetsk People&rsquo;s Republic, the so-called Luhansk People&rsquo;s Republic
or the Crimea region of Ukraine claimed by Russia (&ldquo;<B>Sanctioned Countries</B>&rdquo;), (ii)&nbsp;the government of any Sanctioned
Country, (iii)&nbsp;any person, entity or organization located in, resident in, formed under the laws of, or owned or controlled by the
government of, any Sanctioned Country, or (iv)&nbsp;any person, entity or organization made subject of any sanctions administered or enforced
by the United States Government, including, without limitation, the list of Specially Designated Nationals (the &ldquo;<B>SDN List</B>&rdquo;)
of the Office of Foreign Assets Control of the U.S. Treasury Department (&ldquo;<B>OFAC</B>&rdquo;), or by the United Nations Security
Council, the European Union, His Majesty&rsquo;s Treasury, or other relevant sanctions authority (collectively, &ldquo;<B>Sanctions</B>&rdquo;)
and the Company will not directly or indirectly use the proceeds of this offering, or lend, contribute or otherwise make available such
proceeds to any Subsidiary, or any joint venture partner or other person or entity, for the purpose of financing the activities of or
business with any person, or in any country or territory, that currently is the subject to any U.S. sanctions administered by OFAC or
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 U.S. sanctions administered by OFAC; (B)&nbsp;engaged in any transfers of goods, technologies or services
(including financial services) that may assist the governments of Sanctioned Countries or facilitate money laundering or other activities
proscribed by United States laws, rules&nbsp;or regulations; (C)&nbsp;a person, entity or organization currently the subject of any Sanctions;
or (D)&nbsp;located, organized or resident in any Sanctioned Country.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxvii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Relationship</U>.
No relationship, direct or indirect, exists between or among the Company or any of its Subsidiaries, on the one hand, and the directors,
officers, shareholders, customers or suppliers of the Company or any of its Subsidiaries, on the other, that is required by the Securities
Act or Securities Act Regulations to be described in the Registration Statement and/or the Prospectus and that is not so described.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxviii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Restrictions on Subsidiaries</U>. Except in each case as otherwise disclosed in the Registration Statement, the Pricing Disclosure Package
and the Prospectus, no Subsidiary of the Company is currently prohibited, directly or indirectly, 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.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxxix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Statistical
and Market-Related Data</U>. The statistical, industrial and market-related data contained or incorporated by reference in the Registration
Statement, the Pricing Disclosure Package or the Prospectus are based on or derived from sources which the Company believes are reliable
and accurate in all material respects.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xl)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Distribution
of Offering Material By the Company</U>. The Company has not distributed and will not distribute, before the later of the Closing Date
and the completion of the Underwriters&rsquo; distribution of the Shares, any offering material in connection with the offering and sale
of the Shares other than the Registration Statement, the preliminary prospectus contained in the Pricing Disclosure Package, the Prospectus,
any Issuer Free Writing Prospectus reviewed and consented to by the Underwriters and included in <U>Schedule II</U> hereto or any electronic
road show or other written communications reviewed and consented to by the Underwriters and listed on <U>Schedule II</U> hereto (each
a, &ldquo;<B>Company Additional Written Communication</B>&rdquo;). Each such Company Additional Written Communication, when taken together
with the Pricing Disclosure Package, did not, and at the Closing Date will not, contain any untrue statement of a material fact or omit
to state a material fact necessary in order to make the statements therein, in the light of the circumstances under</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">which they were made,
not misleading. The preceding sentence does not apply to statements in or omissions from the Company Additional Written Communication
based upon and in conformity with written information furnished to the Company by any Underwriter specifically for use therein, it being
understood and agreed that the only such information furnished by any Underwriter consists of the Underwriter Information.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xli)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Forward-Looking
Statements</U>. Each &ldquo;forward-looking statement&rdquo; (within the meaning of Section&#8239;27A of the Securities Act or Section&#8239;21E
of the Exchange Act) contained or incorporated by reference in the Registration Statement, the Prospectus or the Pricing Disclosure Package
has been made or reaffirmed with a reasonable basis and in good faith.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xlii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Lock-Up
Agreements</U>. Each of the Company&rsquo;s officers, as defined by Rule&nbsp;16a-1(f)&nbsp;of the rules&nbsp;and regulations promulgated
under the Exchange Act (the &ldquo;<B>Exchange Act Regulations</B>&rdquo;), and directors, in each case as listed on <U>Schedule C-1</U>
hereto, has executed and delivered lock-up agreements as contemplated in Section&nbsp;6(m)&nbsp;hereof.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xliii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Fees</U>.
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.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xliv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Deposit
Insurance</U>. The deposit accounts of the Bank are insured by the Deposit Insurance Fund to the fullest extent permitted by the law and
the rules&nbsp;and regulations of the FDIC and no proceeding for the termination or revocation of such deposit insurance is pending or,
to the knowledge of the Company, threatened.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xlv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Derivative
Instruments</U>. 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 its Subsidiaries or for the account of a customer of the Company or one
of its 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 its 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 except as would not, individually or in the aggregate, reasonably be expected to have a
Material Adverse Effect.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xlvi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Off-Balance
Sheet Transactions</U>. 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 which is required to be disclosed by the Company in its Exchange Act filings and is
not so disclosed or that otherwise would reasonably be expected to have a Material Adverse Effect.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xlvii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Margin
Rules</U>. The application of the proceeds received by the Company from the issuance, sale and delivery of the Shares as described in
the Registration Statement, the Pricing 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.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xlviii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Testing-the-Waters</U>.
The Company (a)&nbsp;has not alone engaged in any Testing-the-Waters Communication other than Permitted Written Testing-the-Waters Communications
with the consent of the Underwriters with entities that are qualified institutional buyers within the meaning of Rule&nbsp;144A of the
Securities Act Regulations or institutions that are accredited investors within the meaning of Rule&nbsp;501 of the Securities Act Regulations,
and (b)&nbsp;has not authorized anyone other than the Underwriters to engage in Testing-the-Waters Communications. The</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Company reconfirms
that the Underwriters have been authorized to act on their behalf in undertaking Testing-the-Waters Communications. The Company has not
distributed or approved for distribution any Written Testing-the-Waters Communications other than the Permitted Written Testing-the-Waters
Communications.</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; text-indent: 1in">As of the Applicable Time, each Permitted Written
Testing-the-Waters Communication, as supplemented by and taken together with the Pricing Disclosure Package, did not, as of the Applicable
Time, include an untrue statement of a material fact or 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; and each Permitted Written Testing-the-Waters Communication,
if any, does not, as of the date hereof, conflict with the information contained in the Registration Statement, any preliminary prospectus,
the Pricing Disclosure Package, any Issuer Free Writing Prospectus or the Prospectus; and the Company has filed publicly on EDGAR at least
fifteen (15) calendar days before any Road Show, any confidentially submitted registration statement and registration statement amendments
relating to the offer and sale of the Shares.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xlix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Cybersecurity</U>.
(A)&nbsp;To the knowledge of the Company, there has been no security breach or unauthorized access or disclosure of any of the Company&rsquo;s
or its Subsidiaries&rsquo; information technology and computer systems, networks, hardware, software, equipment, technology, data and
databases, including (i)&nbsp;the data and information of their respective customers, employees, suppliers, vendors or other third parties
and (ii)&nbsp;any such data processed or stored by third parties on behalf of the Company and its Subsidiaries (collectively, &ldquo;<B>IT
Systems and Data</B>&rdquo;), that would, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect;
(B)&nbsp;neither the Company nor its Subsidiaries have been notified of, and each of them have no knowledge of any currently existing
event or condition that would reasonably be expected to result in, any security breach or unauthorized access or disclosure to their IT
Systems and Data that would, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect; and (C)&nbsp;the
Company and its Subsidiaries have implemented appropriate and commercially reasonable controls, policies, procedures, and technological
safeguards designed to maintain and protect the integrity, continuous operation, redundancy and security of their IT Systems and Data
reasonably consistent with industry standards and practices, or in material compliance with applicable regulatory standards. The Company
and its Subsidiaries are currently in compliance with all applicable laws or statutes and all judgments, orders, rules&nbsp;and regulations
of any court or arbitrator or governmental or regulatory authority, internal policies and contractual obligations relating to the privacy
and security of IT Systems and Data and to the protection of such IT Systems and Data from unauthorized use, access, misappropriation
or modification, except where the failure to do so would not, individually or in the aggregate, reasonably be expected to have a Material
Adverse Effect.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company has a reasonable basis for making each of the representations set forth in Section&nbsp;1(a). The Company acknowledges that the
Underwriters and, for the purposes of the opinions to be delivered pursuant to Section&nbsp;6 hereof, counsel to the Company and counsel
to the Underwriters, may rely upon the accuracy and truthfulness of the foregoing representations and hereby consents to such reliance.
Any certificate signed by, or on behalf of, the Company delivered to the Underwriters or to counsel for the Underwriters shall be deemed
a representation and warranty by the Company to the Underwriters as to the matters covered thereby.</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; text-indent: 1in"><B>Section&nbsp;2.</B></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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to the terms and conditions herein set forth, (i)&nbsp;the Company agrees to sell to each of the Underwriters, and each of the
Underwriters agrees, severally and not jointly, to purchase from the Company at a purchase price per share of $15.25 (the
 &ldquo;<B>Purchase Price</B>&rdquo;), the number of Firm Shares (to be adjusted by you so as to eliminate fractional shares)
determined by multiplying the aggregate number of Firm Shares to be sold by the Company by a fraction, the numerator of which is the
aggregate number of Firm Shares to be purchased by such Underwriter as set forth opposite the name of such Underwriter in <U>Schedule
I</U> hereto and the denominator of which is the</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">aggregate number of Firm Shares to be purchased by all of the Underwriters from the Company and (ii)&nbsp;in the event and to the extent
that the Underwriters shall exercise the election to purchase Option Shares as provided below, the Company agrees to sell to each of the
Underwriters, and each of the Underwriters agrees, severally and not jointly, to purchase from the Company, at the Purchase Price, the
number of Option Shares (to be adjusted by you so as to eliminate fractional shares) determined by multiplying (x)&nbsp;the number of
Option Shares as to which such election shall have been exercised by (y)&nbsp;the fraction set forth in clause (i)&nbsp;above.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company hereby grants to the Underwriters the right to purchase at their election up to 688,524 Option Shares, at the Purchase
Price. The Underwriters may exercise their option to acquire Option Shares in whole or in part from time to time only by written
notice from the Underwriters to the Company given within a period of thirty (30) calendar days after the date of this Agreement and
setting forth (i)&nbsp;the aggregate number of Option Shares to be purchased and (ii)&nbsp;the time, date and place at which such
Option Shares are to be delivered, as determined by the Underwriters but in no event earlier than the Closing Date or, unless the
Underwriters and the Company otherwise agree in writing, earlier than two or later than ten (10)&nbsp;business days after the date
of such notice.</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; text-indent: 1in"><B>Section&nbsp;3.</B></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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">It
is understood that the several Underwriters propose to offer the Firm Shares for sale to the public upon the terms and conditions set
forth in the Prospectus.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will deliver the Firm Shares to the Underwriters through the facilities of DTC for the accounts of the Underwriters, against payment
of the Purchase Price therefor in Federal (same day) funds by wire transfer to an account designated by the Company, in the case of Firm
Shares sold by the Company at the office of Luse Gorman, PC, 5335 Wisconsin Avenue, NW, Suite&nbsp;780, Washington, D.C. 20007, at 10:00
a.m., New York time, on December 16, 2024, unless postponed in accordance with Section&nbsp;10 hereof, or such other time and date not later
than 5:00 p.m., New York City time, on the fifth business day thereafter, as the Underwriters and the Company determine, such time
being referred to herein as the &ldquo;<B>Closing Date</B>.&rdquo; For purposes of Rule&nbsp;15c6-1 of the Exchange Act Regulations, the
Closing Date (if later than the otherwise applicable settlement date) shall be the settlement date for payment of funds and delivery of
securities for all the Firm Shares. The certificates or book-entry security entitlements for the Firm Shares so to be delivered will be
in such denominations and registered in such names as the Underwriters request and, if the Firm Shares are to be certificated, will be
delivered and made available for checking and packaging at the above office of Luse Gorman, PC at least twenty four (24) hours before
the Closing Date.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
time for the delivery of and payment for the Option Shares, being herein referred to as an &ldquo;<B>Option Closing Date</B>&rdquo;, which
may be the Closing Date, shall be determined by the Underwriters as provided above. The Company will deliver the Option Shares being purchased
on each Option Closing Date to the Underwriters through the facilities of DTC for the accounts of the Underwriters, against payment of
the Purchase Price therefor in Federal (same day) funds by wire transfer to an account designated by the Company, in the case of Option
Shares sold by the Company at the above office of Luse Gorman, PC, at 10:00 a.m., New York time, on the applicable Option Closing Date.
The certificates or book-entry security entitlements for the Option Shares so to be delivered will be in such denominations and registered
in such names as the Underwriters request and, if the Option Shares are to be certificated, will be delivered and made available for checking
and packaging at the above office of Luse Gorman, PC at least twenty four (24) hours before such Option Closing Date.</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; text-indent: 0.5in"><B>Section&nbsp;4.</B></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company further covenants and agrees with each of the several Underwriters as follows:</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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<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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company, subject to Section&nbsp;4(a)(ii)&nbsp;hereof, will comply with the requirements of Rule&nbsp;430B of the Securities Act Regulations,
and will notify the Underwriters immediately, and confirm the notice in writing, (A)&nbsp;when any post-effective amendment to the Registration
Statement shall become effective, or any amendment or supplement to the Prospectus shall have been filed, in which case, the Company shall
furnish copies thereof to the Underwriters, and file promptly all material required to be filed by the Company with the Commission pursuant
to Rule&nbsp;433(d)&nbsp;of the Securities Act Regulations, (B)&nbsp;of the receipt of any comments from the Commission, (C)&nbsp;of any
request by the Commission for any amendment to the Registration Statement or any amendment or supplement to the Prospectus or for additional
information, and (D)&nbsp;of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement
or of any order preventing or suspending the use of any preliminary prospectus, or of the suspension of the qualification of the Shares
for offering or sale in any jurisdiction, or of the initiation or threatening of any proceedings for any of such purposes. The Company
will promptly effect the filings necessary pursuant to Rule&nbsp;424(b)&nbsp;of the Securities Act Regulations and will take such steps
as it deems necessary to ascertain promptly whether the form of prospectus transmitted for filing under Rule&nbsp;424(b)&nbsp;was received
for filing by the Commission and, in the event that it was not, it will promptly file such prospectus. The Company will make every reasonable
effort to prevent the issuance of any stop order and, if any stop order is issued, to obtain the lifting thereof at the earliest possible
moment.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">During
the period when a prospectus relating to the Shares is required by the Securities Act to be delivered (whether physically or through compliance
with Rule&nbsp;172 of the Securities Act Regulations or any similar rule), the Company (A)&nbsp;will furnish to the Underwriters for review,
a reasonable period of time before the proposed time of filing of any proposed amendment or supplement to the Registration Statement,
a copy of each such amendment or supplement, and (B)&nbsp;will not amend or supplement the Registration Statement without the prior written
consent of the Underwriters. Before amending or supplementing any preliminary prospectus, the Pricing Prospectus or the Prospectus, the
Company shall furnish to the Underwriters for review, a reasonable amount of time before the time of filing or use of the proposed amendment
or supplement, a copy of each such proposed amendment or supplement. The Company shall not file or use any such proposed amendment or
supplement without the prior written consent of the Underwriters. The Company shall file with the Commission within the applicable period
specified in Rule&nbsp;424(b)&nbsp;of the Securities Act Regulations any prospectus required to be filed pursuant to such rule.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company shall furnish to the Underwriters for review, a reasonable amount of time before the proposed time of filing or use thereof, a
copy of each proposed free writing prospectus or any amendment or supplement thereto prepared by or on behalf of, used by, or referred
to by the Company, and the Company shall not file, use, or refer to any proposed free writing prospectus or any amendment or supplement
thereto without the prior written consent of the Underwriters. The Company shall furnish to each Underwriter, without charge, as many
copies of any free writing prospectus prepared by or on behalf of, used by or referred to by the Company as such Underwriter may reasonably
request. If at any time when a prospectus is required by the Securities Act to be delivered (whether physically or through compliance
with Rule&nbsp;172 of the Securities Act Regulations or any similar rule) in connection with sales of the Shares (but in any event if
at any time through and including the Closing Date) there occurred or occurs an event or development as a result of which any free writing
prospectus prepared by or on behalf of, used by, or referred to by the Company conflicted or could conflict with the information contained
in the Registration Statement, the Pricing Prospectus or the Prospectus or included or could include an untrue statement of a material
fact or omitted or could omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances
prevailing at such time, not misleading, the Company shall promptly amend or supplement such free writing prospectus to eliminate or correct
such conflict so that the statements in such free writing prospectus as so amended or supplemented will not include an untrue statement
of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances
prevailing at such time, not misleading, as the case may be; <I>provided, however</I>, that before amending or supplementing any such</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">free writing prospectus, the Company shall furnish to the Underwriters for review, a reasonable amount of time before the proposed time
of filing or use thereof, a copy of such proposed amended or supplemented free writing prospectus, and the Company shall not file, use
or refer to any such amended or supplemented free writing prospectus without the prior written consent of the Underwriters.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will use its best efforts to qualify the Shares for offering and sale under the securities laws of such jurisdictions as you may
reasonably 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 Shares, <I>provided, however</I>, that nothing in this Section&nbsp;4(a)(iv)&nbsp;shall
require the Company to qualify as a foreign corporation in any jurisdiction in which it is not already so qualified or to file a general
consent to service of process in any jurisdiction or to subject itself to taxation in respect of doing business in any jurisdiction in
which it is otherwise not so subject.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company has furnished or will deliver to the Underwriters, without charge, signed copies of the Registration Statement as originally filed,
any Rule&nbsp;462(b)&nbsp;Registration Statement and of each amendment to each (including exhibits filed therewith) and signed copies
of all consents and certificates of experts, and will also, upon your request, deliver to the Underwriters, without charge, a conformed
copy of the Registration Statement as originally filed and of each amendment thereto (without exhibits) for each of the Underwriters.
The copies of the Registration Statement and each amendment thereto furnished to the Underwriters will be identical to the electronically
transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation S-T.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company has delivered to each Underwriter, without charge, as many written and electronic copies of each preliminary prospectus, Prospectus
and/or the Pricing Prospectus as such Underwriter reasonably requested, and the Company hereby consents to the use of such copies for
purposes permitted by the Securities Act. The Company will furnish to each Underwriter, without charge, no later than the second business
day following the completion of the sale of the Shares, and from time to time thereafter during the period when the Prospectus is required
to be delivered in connection with sales of the Shares under the Securities Act or the Exchange Act or in lieu thereof, the notice referred
to in Rule&nbsp;173(a)&nbsp;of the Securities Act Regulations, such number of written and electronic copies of the Prospectus (as amended
or supplemented) as such Underwriter may reasonably request. The Prospectus and any amendments or supplements thereto furnished to the
Underwriters will be identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to
the extent permitted by Regulation S-T.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(vii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
at any time following the distribution of any Permitted Written Testing-the-Waters Communication there occurred or occurs an event or
development as a result of which such Permitted Written Testing-the-Waters Communication 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 existing at that subsequent time, not misleading, the Company will promptly notify the Underwriters and, should the
Underwriters request, will promptly amend or supplement, at its own expense, such Permitted Written Testing-the-Waters Communication to
eliminate or correct such untrue statement or omission.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(viii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will make generally available (within the meaning of Section&nbsp;11(a)&nbsp;of the Securities Act) to its security holders and
to the Underwriters as soon as practicable, but not later than forty five (45) days after the end of its fiscal quarter in which the first
anniversary date of the effective date of the Registration Statement occurs, an earnings statement (in form complying with the provisions
of Rule&nbsp;158 of the Securities Act Regulations and satisfying the provisions of Section&nbsp;11(a)&nbsp;of the Securities Act) covering
a period of at least 12 consecutive months beginning after the effective date of the Registration Statement.</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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<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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will use the net proceeds received by it from the sale of the Shares in the manner specified in the Pricing Prospectus under the
heading &ldquo;Use of Proceeds.&rdquo;</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
 &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The Company shall engage and maintain, at its expense, a
registrar and transfer agent for the Shares.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will use its best efforts to effect and maintain the listing of the Common Stock (including the Shares) on Nasdaq.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">During
a period of 90 days from the date of the Prospectus (the &ldquo;<B>Lock-Up Period&rdquo;</B>), the Company will not, without the prior
written consent of the Underwriters, (A)&nbsp;offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase
any option or contract to sell, grant any option, right or warrant to purchase, lend or otherwise directly or indirectly dispose of or
transfer any Common Stock or any securities convertible into or exchangeable or exercisable for Common Stock, or exercise any right with
respect to the registration thereof, or file with the Commission a registration statement under the Act relating to, any Common Stock
or any such other securities, (B)&nbsp;enter into any swap, hedge or other agreement that transfers, in whole or in part, the economic
consequence of ownership of Common Stock or such other securities, or (C)&nbsp;publicly disclose the intention to make any such offer,
pledge, sale or disposition, or to enter into any such swap, hedge, transaction or arrangement, whether any such transaction described
in clause (A)&nbsp;or (B)&nbsp;above is to be settled by delivery of Common Stock or such other securities, in cash or otherwise, in each
case, other than (X)&nbsp;the Shares to be sold hereunder, (Y)&nbsp;the issuance of Equity Awards granted pursuant to the Company&rsquo;s
benefit plans that are described in the Registration Statement, the Pricing Disclosure Package and the Prospectus, as such plans may be
amended, or the filing of one or more registration statements on Form&nbsp;S-8 with respect to the issuance of securities under such benefit
plans, or (Z)&nbsp;the issuance of shares of Common Stock upon the exercise of, or otherwise pursuant to any such Equity Awards.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xiii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">During
the Lock-Up Period, the Company will enforce all agreements between the Company and any of its security holders that restrict or prohibit,
expressly or in operation, the offer, sale or transfer of shares of Common Stock or securities convertible into or exchangeable or exercisable
for any shares of Common Stock, or any of the other actions restricted or prohibited under the terms of the form of &ldquo;lock-up&rdquo;
agreement attached as <U>Exhibit&nbsp;C</U>. In addition, the Company will direct the transfer agent to place stop transfer restrictions
upon any such securities of the Company that are bound by such &ldquo;lock-up&rdquo; agreements for the duration of the periods contemplated
in such agreements, including, without limitation, &ldquo;lock-up&rdquo; agreements entered into by the Company&rsquo;s officers, directors
and shareholders pursuant to Section&nbsp;6(m)&nbsp;hereof.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xiv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will comply with the Securities Act and the Exchange Act so as to permit the completion of the distribution of the Shares as contemplated
by this Agreement<B>, </B>the Registration Statement, the Pricing Disclosure Package and the Prospectus. Without limiting the generality
of the foregoing, the Company will, during the period when a prospectus relating to the Shares is required by the Securities Act to be
delivered (whether physically or through compliance with Rule&nbsp;172 of the Securities Act Regulations or any similar rule), file on
a timely basis with the Commission and Nasdaq all reports and documents required to be filed under the Exchange Act. Additionally, the
Company shall report the use of proceeds from the issuance of the Shares as may be required under Rule&nbsp;463 of the Securities Act
Regulations.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xv)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">During
a period of three (3)&nbsp;years from the date of this Agreement, the Company will furnish to the Underwriters or provide on EDGAR copies
of all reports or other communications (financial or other) furnished to shareholders, and will deliver to the Underwriters (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 Underwriters may from time to time reasonably request (such</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">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.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xvi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company shall not invest or otherwise use the proceeds received by the Company from its sale of the Shares in a manner that could require
the Company or any of the Subsidiaries to register as an investment company under the Investment Company Act.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xvii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
the Company elects to rely upon Rule&nbsp;462(b)&nbsp;of the Securities Act Regulations, the Company will file a Rule&nbsp;462(b)&nbsp;Registration
Statement with the Commission in compliance with Rule&nbsp;462(b)&nbsp;by 10:00 p.m., New York City time, on the date of this Agreement,
and at the time of filing either will pay to the Commission the filing fee for the Rule&nbsp;462(b)&nbsp;Registration Statement or will
give irrevocable instructions for the payment of such fee pursuant to Rule&nbsp;111(b)&nbsp;under the Securities Act.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xviii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
so requested by the Underwriters, the Company shall cause to be prepared and delivered, at its expense, within one (1)&nbsp;business day
from the effective date of this Agreement, to the Underwriters an &ldquo;electronic Prospectus&rdquo; to be used by the Underwriters in
connection with the offering and sale of the Shares. As used herein, the term &ldquo;electronic Prospectus&rdquo; means a form of preliminary
prospectus, Pricing Prospectus, any Issuer Free Writing Prospectus or the Prospectus, and any amendment or supplement thereto, that meets
each of the following conditions: (A)&nbsp;it shall be encoded in an electronic format, satisfactory to the Underwriters, that may be
transmitted electronically by the Underwriters to offerees and purchasers of the Shares, (B)&nbsp;it shall disclose the same information
as such paper preliminary prospectus,&nbsp;Issuer Free Writing Prospectus or the Prospectus, as the case may be, and (C)&nbsp;it shall
be in or convertible into a paper format or an electronic format, satisfactory to the Underwriters, that will allow investors to store
and have continuously ready access to such preliminary prospectus,&nbsp;Issuer Free Writing Prospectus or the Prospectus at any future
time, without charge to investors (other than any fee charged for subscription to the Internet generally). The Company hereby confirms
that, if so requested by the Underwriters, it has included or will include in the Prospectus filed with the Commission an undertaking
that, upon receipt of a request by an investor or his or her representative, the Company shall transmit or cause to be transmitted promptly,
without charge, a paper copy of such paper preliminary prospectus,&nbsp;Issuer Free Writing Prospectus or the Prospectus to such investor
or representative.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xix)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company will not take, and will use commercially reasonable efforts to prohibit any affiliate of the Company from taking, directly or
indirectly, any action designed to cause or result in or which constitutes or might reasonably be expected to constitute stabilization
or manipulation of the price of the Shares or any reference security with respect to the Shares, whether to facilitate the sale or resale
of the Shares or otherwise, and the Company will, and shall cause each of its affiliates to, comply with all applicable provisions of
Regulation M.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xx)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company represents and agrees that, without the prior consent of the Underwriters, it has not made and will not make any offer relating
to the Shares that could constitute a &ldquo;free writing prospectus&rdquo; as defined in Rule&nbsp;405 of the Securities Act Regulations;
any such free writing prospectus the use of which has been consented to by the Company and the Underwriters is listed on <U>Schedule II</U>
hereto.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxi)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company has complied and will comply with the requirements of Rule&nbsp;433 of the Securities Act Regulations applicable to any Issuer
Free Writing Prospectus, including timely filing with the Commission or retention where required and legending; the Company represents
that it has satisfied and agrees that it will satisfy the conditions under Rule&nbsp;433 of the Securities Act Regulations to avoid a
requirement to file with the Commission any electronic &ldquo;road show&rdquo; (as defined in Rule&nbsp;433 under of Securities Act Regulations).</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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<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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">During
the period beginning on the date hereof and ending on the later of the fifth anniversary of the Closing Date or the date on which the
Underwriters receive full payment in satisfaction of any claim for indemnification or contribution to which they may be entitled pursuant
to Section&nbsp;8 or Section&nbsp;9 of this Agreement, the Company shall not, without the prior written consent of the Underwriters, take
or permit to be taken any action that could result in the Bank&rsquo;s common stock becoming subject to any security interest, mortgage,
pledge, lien or encumbrance.</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(xxiii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company and its Subsidiaries will comply with all effective applicable provisions of the Sarbanes-Oxley Act of 2002.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;5.
</B></FONT>The Company covenants and agrees with each of the several Underwriters that, whether or not the transactions contemplated
by this Agreement are consummated, the Company will pay or cause to be paid all expenses incident to the performance of its obligations
under this Agreement, including (A)&nbsp;the fees, disbursements and expenses of the Company&rsquo;s counsel, accountants and other advisors,
(B)&nbsp;filing fees and all other expenses in connection with the preparation, printing and filing of the Registration Statement, each
preliminary prospectus, the Pricing Prospectus, any Issuer Free Writing Prospectus, any Permitted Testing-the-Waters Communication and
the Prospectus and amendments and supplements thereto and the mailing and delivering of copies thereof to the Underwriters and dealers,
(C)&nbsp;the cost of printing or producing this Agreement, closing documents (including any compilations thereof) and such other documents
as may be required in connection with the offering, purchase, sale and delivery of the Shares, (D)&nbsp;all expenses in connection with
the qualification of the Shares for offering and sale under state securities laws as provided in Section&nbsp;4(a)(iv), including filing
fees and the reasonable fees and disbursements of counsel for the Underwriters in connection with such qualification and in connection
with the Blue Sky survey, (E)&nbsp;all fees and expenses in connection with listing the Shares on Nasdaq, (F)&nbsp;the costs, fees and
expenses incurred by the Underwriters in connection with determining their compliance with the rules&nbsp;and regulations of FINRA related
to the Underwriters&rsquo; participation in the offering and distribution of the Shares, including any related filing fees and the reasonable
fees and disbursements of counsel to the Underwriters, (G)&nbsp;all fees and expenses in connection with the preparation, issuance and
delivery of the certificates representing the Shares to the Underwriters, including any stock or other transfer taxes and any stamp or
other duties payable upon the sale, issuance or delivery of the Shares to the Underwriters, (H)&nbsp;the cost and charges of any transfer
agent or registrar, (I)&nbsp;the transportation and other expenses incurred by the Company in connection with presentations to prospective
purchasers of Shares, (J)&nbsp;the costs and expenses of the Company relating to investor presentations on any Road Show or any Testing-the-Waters
Communication undertaken in connection with the offering of the Shares, including, without limitation, expenses associated with the preparation
or dissemination of any electronic road show, expenses associated with the production of Road Show slides and graphics, fees and expenses
of any consultants engaged in connection with the Road Show presentations with the prior approval of the Company, (K)&nbsp;any other
fees and expenses incurred by the Underwriters in connection with the transactions contemplated by this Agreement, and (L)&nbsp;all other
costs and expenses incident to the performance of its obligations hereunder which are not otherwise specifically provided for in this
Section; <I>provided, however</I>, that the fees and expenses of the Underwriters to be paid or caused to be paid by the Company under
this Section&nbsp;5 shall not exceed $150,000 in the aggregate.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;6.</B></FONT>
The obligations of the Underwriters hereunder to purchase the Shares on the Closing Date or each Option Closing Date, as the case may
be, are subject to the performance by the Company of its obligations hereunder and to the following additional conditions:</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Prospectus shall have been filed with the Commission pursuant to Rule&nbsp;424(b)&nbsp;of the Securities Act Regulations within the applicable
time period prescribed for such filing by the Securities Act and in accordance with Section&nbsp;4(a)(i)&nbsp;hereof; all material required
to be filed by the Company pursuant to Rule&nbsp;433(d)&nbsp;of the Securities Act Regulations shall have been filed with the Commission
within the applicable time period prescribed for such filing by Rule&nbsp;433 of the Securities Act Regulations; if the Company has elected
to rely upon Rule&nbsp;462(b)&nbsp;of the Securities</FONT></P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Act Regulations, the Rule&nbsp;462(b)&nbsp;Registration Statement shall have become
effective by 10:00 p.m., New York City time, on the date of this Agreement; the Registration Statement has become effective and 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, to the knowledge of the Company, threatened by the Commission; and all requests for additional information
on the part of the Commission shall have been complied with to the Underwriters&rsquo; reasonable satisfaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subsequent
to the execution and delivery of this Agreement and before the Closing Date or the Option Closing Date, as the case may be, (i)&nbsp;there
shall not have occurred any downgrading in the rating accorded to the Company&rsquo;s debt securities by any &ldquo;nationally recognized
statistical rating organization&rdquo;, as such term is defined for purposes of Rule&nbsp;436(g)(2)&nbsp;of the Securities Act Regulations,
and (ii)&nbsp;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.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">(i)&nbsp;Neither
the Company nor any Subsidiary shall have sustained since the date of the latest audited financial statements included in the Pricing
Disclosure Package and the Prospectus any material 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 the Pricing Disclosure Package and the Prospectus, and (ii)&#8239;since the respective dates as of which information
is given in the Pricing Disclosure Package and the Prospectus, (A)&nbsp;there shall not have been any change in the capital stock or long-term
debt of the Company or any Subsidiary, and (B)&nbsp;there shall not have been any Material Adverse Effect, the effect of which, in any
such case described in clause&#8239;(i)&nbsp;or (ii), is in the judgment of the Underwriters so material and adverse as to make it impracticable
or inadvisable to proceed with the public offering or the delivery of the Shares being delivered at such Closing Date or Option Closing
Date, as the case may be, on the terms and in the manner contemplated in the Pricing Disclosure Package and the Prospectus. As used in
this paragraph, references to the Pricing Disclosure Package and the Prospectus exclude any amendments or supplements thereto subsequent
to the date of this Agreement.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Underwriters shall have received on and as of the Closing Date or the Option Closing Date, as the case may be, a certificate of two executive
officers of the Company, at least one of whom has specific knowledge about the Company&rsquo;s financial matters, satisfactory to the
Underwriters, to the effect that (i)&nbsp;the representations and warranties set forth in Section&nbsp;1 hereof are true and correct with
the same force and effect as though expressly made at and as of the Closing Date or the Option Closing Date, as the case may be, (ii)&nbsp;the
Company has complied with all agreements and satisfied all conditions on its part to be performed or satisfied at or before the Closing
Date or Option Closing Date, as the case may be, and (iii)&nbsp;no stop order suspending the effectiveness of the Registration Statement
has been issued and to the knowledge of the Company, no proceedings for that purpose have been instituted or are to their knowledge contemplated
or threatened by the Commission.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">On
the Closing Date or Option Closing Date, as the case may be, Hughes Hubbard&nbsp;&amp; Reed LLP, counsel for the Company, shall have furnished
to the Underwriters its favorable written opinion and favorable negative assurance letter, each dated the Closing Date or the Option Closing
Date, as the case may be, in form and substance reasonably satisfactory to counsel for the Underwriters, substantially in the form set
forth in <U>Exhibit&nbsp;A</U> hereto.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company shall have furnished or caused to be furnished to the Underwriters on the date hereof and on the Closing Date and each Option
Closing Date, certificates of the chief financial officer of the Company substantially in the form of <U>Exhibit&nbsp;B</U> hereto.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">BDO
USA, P.C. shall have furnished to the Underwriters a letter, dated the date of this Agreement, in form and substance satisfactory to the
Underwriters, containing statements and information of the type customarily included in accountants&rsquo; &ldquo;comfort letters&rdquo;
to underwriters with</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">respect to the financial statements and certain financial information contained in the Registration Statement, the
Pricing Disclosure Package and each Issuer Free Writing Prospectus, if any.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">On
the Closing Date or Option Closing Date, as the case may be, the Underwriters shall have received from BDO USA, P.C. a letter, dated the
Closing Date or such Option Closing Date, as the case may be, to the effect that it reaffirms the statements made in its letter or letters
furnished pursuant to Section&nbsp;6(h), except that the specified date referred to therein for the carrying out of procedures shall be
not more than three (3)&nbsp;business days before the Closing Date or such Option Closing Date, as the case may be.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">On
each Closing Date and Option Closing Date, the Underwriters shall have received the opinion of Luse Gorman, PC, counsel for the Underwriters
in connection with the offer and sale of the Shares, in form and substance satisfactory to the Underwriters, dated as of such date, with
executed copies for each of the other Underwriters named on the cover page&nbsp;of the Prospectus.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Shares to be delivered on the Closing Date or Option Closing Date, as the case may be, shall have been approved for listing on Nasdaq,
subject to official notice of issuance.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">FINRA
shall have confirmed that it has not raised any objection with respect to the fairness and reasonableness of the underwriting terms and
conditions.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Underwriters shall have received &ldquo;lock-up&rdquo; agreements, each substantially in the form of <U>Exhibit&nbsp;C </U>hereto, from
the officers and directors of the Company listed on <U>Exhibit&nbsp;C-1</U> hereto and such agreements shall be in full force and effect
on the Closing Date or Option Closing Date, as the case may be.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">On
or before the Closing Date or Option Closing Date, as the case may be, the Company shall have furnished to the Underwriters such further
information, certificates and documents as the Underwriters shall reasonably request.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">On
or after the Applicable Time there shall not have occurred any of the events, circumstances or occurrences set forth in Section&nbsp;11.</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; text-indent: 0.5in">If any condition specified in this Section&nbsp;6
shall not have been fulfilled when and as required to be fulfilled, this Agreement may be terminated, subject to the provisions of Section&nbsp;13,
by the Underwriters by notice to the Company at any time at or before the Closing Date or Option Closing Date, as the case may be, and
such termination shall be without liability of any party to any other party, except as provided in Section&nbsp;5, Section&nbsp;8 and
Section&nbsp;13.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;7.</B></FONT>
This Agreement shall become effective upon the execution and delivery hereof by the parties hereto.</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; text-indent: 0.5in"><B>Section&nbsp;8.</B></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Indemnification
of Underwriters</I>. The Company agrees to indemnify and hold harmless each Underwriter, its affiliates (as such term is defined in Rule&nbsp;501(b)&nbsp;of
the Securities Act Regulations (each, an &ldquo;<B>Affiliate</B>&rdquo;)), partners, selling agents, officers and directors and each person,
if any, who controls any Underwriter within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act
as follows:</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">against
any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of any untrue statement or alleged untrue
statement of a material fact contained in the Registration Statement (or any amendment thereto), including any information deemed to be
a part thereof pursuant to Rule&nbsp;430B of the Securities Act Regulations (&ldquo;<B>Rule&nbsp;430B</B>&rdquo;), or the omission or
alleged omission therefrom of a material fact required to be stated therein or necessary to make the</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">statements therein not misleading
or arising out of any untrue statement or alleged untrue statement of a material fact included in any preliminary prospectus, any Issuer
Free Writing Prospectus, the Pricing Disclosure Package or the Prospectus (or any amendment or supplement thereto), or the omission or
alleged omission in any preliminary prospectus, any Issuer Free Writing Prospectus, the Pricing Disclosure Package or the Prospectus (or
any amendment or supplement thereto) of a material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading;</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">against
any and all loss, liability, claim, damage and expense whatsoever, as incurred, to the extent of the aggregate amount paid in settlement
of any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim whatsoever
based upon any such untrue statement or omission, or any such alleged untrue statement or omission; <I>provided, however</I>, that any
such settlement is effected with the written consent of the Company; and</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; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">against
any and all expense whatsoever, as incurred (including the fees and disbursements of counsel chosen by the Underwriters), reasonably incurred
in investigating, preparing or defending against, or appearing as a witness or providing information or documents in connection with any
litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever based
upon any such untrue statement or omission, or any such alleged untrue statement or omission, to the extent that any such expense is not
paid under (i)&nbsp;or (ii)&nbsp;above;</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"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>provided,
however</I></FONT>, that this indemnity agreement shall not apply to any loss, liability, claim, damage or expense to the extent arising
out of any untrue statement or omission or alleged untrue statement or omission made in the Registration Statement (or any amendment thereto),
including any information deemed to be a part thereof pursuant to Rule&nbsp;430B, or in any preliminary prospectus, any Issuer Free Writing
Prospectus, the Pricing Disclosure Package or the Prospectus (or any amendment or supplement thereto) in reliance upon and in conformity
with the Underwriter Information.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Indemnification
of Company, Directors and Officers</I>. Each Underwriter agrees, severally and not jointly, to indemnify and hold harmless the Company,
its directors, each of its officers who signed the Registration Statement, and each person, if any, who controls the Company within the
meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act against any and all loss, liability, claim, damage
and expense described in the indemnity contained in Section&nbsp;8(a)&nbsp;hereof, as incurred, but only with respect to untrue statements
or omissions, or alleged untrue statements or omissions, made in the Registration Statement (or any amendment thereto), including any
information deemed to be a part thereof pursuant to Rule&nbsp;430B, or in any preliminary prospectus, any Issuer Free Writing Prospectus,
the Pricing Disclosure Package or the Prospectus (or any amendment or supplement thereto) in reliance upon and in conformity with the
Underwriter Information.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><I>Actions
against Parties; Notification</I>. Each indemnified party shall give written notice as promptly as reasonably practicable to each indemnifying
party of any action commenced against it in respect of which indemnity may be sought hereunder, but failure to so notify an indemnifying
party shall not relieve such indemnifying party from any liability hereunder to the extent it is not materially prejudiced as a result
thereof and in any event shall not relieve it from any liability which it may have otherwise than on account of this indemnity agreement.
In the case of parties indemnified pursuant to Section&nbsp;8(a)&nbsp;hereof, counsel to the indemnified parties shall be selected by
the Underwriters, and, in the case of parties indemnified pursuant to Section&nbsp;8(b)&nbsp;hereof, counsel to the indemnified parties
shall be selected by the Company. An indemnifying party may participate in such action and retain its own counsel at its own expense in
the defense of any such action; <I>provided, however</I>, that counsel to the indemnifying party shall not (except with the prior written
consent of the indemnified party) also be counsel to the indemnified party. In no event shall the indemnifying parties be liable for fees
and expenses of more than one counsel (in addition to any local counsel) separate from their own counsel for all indemnified parties in
connection with any one action or separate but similar or related actions</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">in the same jurisdiction arising out of the same general allegations
or circumstances. No indemnifying party shall, without the prior written consent of the indemnified parties, settle or compromise or consent
to the entry of any judgment with respect to any litigation, or any investigation or proceeding by any governmental agency or body, commenced
or threatened, or any claim whatsoever in respect of which indemnification or contribution could be sought under this Section&nbsp;8 or
Section&nbsp;9 hereof (whether or not the indemnified parties are actual or potential parties thereto), unless such settlement, compromise
or consent (i)&nbsp;includes an unconditional release of each indemnified party from all liability arising out of such litigation, investigation,
proceeding or claim and (ii)&nbsp;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.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;9.</B></FONT>
If the indemnification provided for in Section&nbsp;8 hereof is for any reason unavailable to or insufficient to hold harmless an indemnified
party in respect of any losses, liabilities, claims, damages or expenses referred to therein, then each indemnifying party shall contribute
to the aggregate amount of such losses, liabilities, claims, damages and expenses incurred by such indemnified party, as incurred, (i)&nbsp;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 hand, from the offering of the Shares pursuant to this Agreement or (ii)&nbsp;if the allocation provided by clause (i)&nbsp;is
not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause
(i)&nbsp;above but also the relative fault of the Company, on the one hand, and of the Underwriters, on the other hand, in connection
with the statements or omissions which resulted in such losses, liabilities, claims, damages or expenses, as well as any other relevant
equitable considerations.</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; text-indent: 0.5in">The relative benefits received by the Company,
on the one hand, and the Underwriters, on the other hand, in connection with the offering of the Shares pursuant to this Agreement shall
be deemed to be in the same respective proportions as the total net proceeds from the offering of the Shares pursuant to this Agreement
(before deducting expenses) received by the Company, on the one hand, and the total underwriting discount received by the Underwriters,
on the other hand, in each case as set forth on the cover of the Prospectus, bear to the aggregate public offering price of the Shares
as set forth on the cover of the Prospectus.</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; text-indent: 0.5in">The relative fault of the Company, on the one hand,
and the Underwriters, on the other hand, shall be determined by reference to, among other things, whether any such untrue or alleged untrue
statement of a material fact or omission or alleged omission to state a material fact relates to information supplied by the Company or
by the Underwriters and the parties&rsquo; relative intent, knowledge, access to information and opportunity to correct or prevent such
statement or omission.</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; text-indent: 0.5in">The Company and the Underwriters agree that it
would not be just and equitable if contribution pursuant to this Section&nbsp;9 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 Section&nbsp;9. The aggregate amount of losses, liabilities, claims, damages and expenses incurred by an indemnified
party and referred to above in this Section&nbsp;9 shall be deemed to include any legal or other expenses reasonably incurred by such
indemnified party in connection with investigating, preparing or defending against any litigation, or any investigation or proceeding
by any governmental agency or body, commenced or threatened, or any claim whatsoever based upon any such untrue or alleged untrue statement
or omission or alleged omission.</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; text-indent: 0.5in">Notwithstanding the provisions of this Section&nbsp;9,
no Underwriter shall be required to contribute any amount in excess of the underwriting discount received by such Underwriter in connection
with the Shares underwritten by it and distributed to the public.</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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<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; text-indent: 0.5in">No person guilty of fraudulent misrepresentation
(within the meaning of Section&nbsp;11(f)&nbsp;of the Securities Act) shall be entitled to contribution from any person who was not guilty
of such fraudulent misrepresentation.</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; text-indent: 0.5in">For purposes of this Section&nbsp;9, each person,
if any, who controls an Underwriter within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act
and each Underwriter&rsquo;s Affiliates, officers, directors and selling agents shall have the same rights to contribution as such Underwriter,
and each director of the Company, each officer of the Company who signed the Registration Statement, and each person, if any, who controls
the Company within the meaning of Section&nbsp;15 of the Securities Act or Section&nbsp;20 of the Exchange Act shall have the same rights
to contribution as the Company. The Underwriters&rsquo; respective obligations to contribute pursuant to this Section&nbsp;9 are several
in proportion to the number of Firm Shares set forth opposite their respective names in <U>Schedule I</U> hereto and not joint.</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; text-indent: 0.5in"><B>Section&nbsp;10.</B></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
any Underwriter or Underwriters default in its or their obligations to purchase Shares hereunder on the Closing Date or any Option Closing
Date and the aggregate number of Shares that such defaulting Underwriter or Underwriters agreed but failed to purchase does not exceed
10% of the total number of Shares that the Underwriters are obligated to purchase on such Closing Date or Option Closing Date, as the
case may be, the Underwriters may make arrangements satisfactory to the Company for the purchase of such Shares by other persons, including
any of the non-defaulting Underwriters, but if no such arrangements are made by such Closing Date or Option Closing Date, as the case
may be, the non-defaulting Underwriters shall be obligated severally, in proportion to their respective commitments hereunder, to purchase
the Shares that such defaulting Underwriter or Underwriters agreed but failed to purchase on such Closing Date or Option Closing Date,
as the case may be. If any Underwriter or Underwriters so default and the aggregate number of Shares with respect to which such default
or defaults occur exceeds 10% of the total number of Shares that the Underwriters are obligated to purchase on such Closing Date or Option
Closing Date, as the case may be, and arrangements satisfactory to the Underwriters and the Company for the purchase of such Shares by
other persons are not made within 36 hours after such default, this Agreement will terminate without liability on the part of any non-defaulting
Underwriter or the Company, except as provided in Section&nbsp;13. Nothing herein will relieve a defaulting Underwriter from liability
for its default.</FONT> <FONT STYLE="font-size: 10pt">As used in this Agreement, the term &ldquo;Underwriter&rdquo; includes any person
substituted for an Underwriter under this Section&nbsp;10.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the event of any such default which does not result in a termination of this Agreement, either the Underwriters or the Company shall have
the right to postpone the Closing Date or the relevant Option Closing Date, as the case may be, for a period not exceeding seven days,
in order to effect any required changes to the Registration Statement or Prospectus or any other documents or arrangements. As used in
this Agreement, the term &ldquo;Underwriter&rdquo; includes any person substituted for an Underwriter under this Section&nbsp;10.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;11.</B></FONT>
Notwithstanding anything herein contained, this Agreement (or the obligations of the several Underwriters with respect to any Option Shares
which have yet to be purchased) may be terminated, subject to the provisions of Section&nbsp;12, by notice given by the Underwriters to
the Company, if after the execution and delivery of this Agreement and before the Closing Date or the Option Closing Date, as the case
may be, (a)&nbsp;trading generally on the New York Stock Exchange or on Nasdaq shall have been suspended or materially limited, or minimum
or maximum prices for trading have been fixed, or maximum ranges for prices have been required, by such exchange or by such system or
by order of the Commission or any other governmental authority, (b)&nbsp;trading of any securities of the Company shall have been suspended
on any exchange or in any over-the-counter market, (c)&nbsp;a general moratorium on commercial banking activities in New York shall have
been declared by either Federal or New York State authorities, or (d)&nbsp;there shall have occurred any material adverse change in the
financial markets in the United States or any new outbreak of</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">hostilities or escalation thereof involving the United States or other calamity
or crisis or any material adverse change or development in political, financial or economic conditions, in each case the effect of which
is such as to make it, in the reasonable judgment of the Underwriters, impracticable to market the Shares to be delivered on the Closing
Date or Option Closing Date, as the case may be, or to enforce contracts for the sale of the Shares.</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; text-indent: 0.5in">If this Agreement is terminated pursuant to this
Section&nbsp;11, such termination will be without liability of any party to any other party except as provided in Section&nbsp;5 and Section&nbsp;12
hereof; <I>provided, however</I>, that the provisions of Section&nbsp;8 shall at all times be effective and shall survive such termination.</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; text-indent: 0.5in"><B>Section&nbsp;12.</B></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
respective indemnities, agreements, representations, warranties and other statements of the Company or its officers, and of the several
Underwriters set forth in or made pursuant to this Agreement will remain in full force and effect, regardless of any investigation, or
statement as to the results thereof, made by or on behalf of any Underwriter, the Company or any of their respective representatives,
officers or directors or any controlling person, and will survive delivery of and payment for the Shares.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
this Agreement is terminated pursuant to Section&nbsp;6, Section&nbsp;10 or Section&nbsp;11 or if for any reason the purchase of any of
the Shares by the Underwriters is not consummated, the Company shall remain responsible for the expenses to be paid or reimbursed by them
pursuant to Section&nbsp;5, the respective obligations of the Company and the Underwriters pursuant to Section&nbsp;8 and the provisions
of Section&nbsp;10 and Section&nbsp;11 shall remain in effect and, if any Shares have been purchased hereunder, the representations and
warranties in Section&nbsp;1 and all obligations under Section&nbsp;5, Section&nbsp;6 and Section&nbsp;8 shall also remain in effect.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
this Agreement shall be terminated by the Underwriters under Section&nbsp;6 or Section&nbsp;11 or otherwise because of any failure or
refusal on the part of the Company to comply with the terms or to fulfill any of the conditions of this Agreement, or if for any reason
the Company shall be unable to perform its obligations under this Agreement or any condition of the Underwriters&rsquo; obligations cannot
be fulfilled, the Company agrees to reimburse the Underwriters for all out-of-pocket expenses (including the fees and expenses of their
counsel) reasonably incurred by the Underwriters in connection with this Agreement or the offering contemplated hereunder.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;13.</B></FONT>
This Agreement shall inure to the benefit of and be binding upon the Company and the Underwriters, the indemnified parties referred to
herein, any controlling persons referred to herein and their respective successors and assigns. Nothing expressed or mentioned in this
Agreement is intended or shall be construed to give any other person, firm or corporation, other than the Underwriters, the Company and
the indemnified parties referred to herein and their heirs and legal representatives, any legal or equitable right, remedy or claim under
or in respect of this Agreement or any provision herein contained. No purchaser of Shares from any Underwriter shall be deemed to be a
successor or assign by reason merely of such purchase.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;14.</B></FONT>
All notices and other communications hereunder shall be in writing and shall be deemed to have been duly given upon receipt thereof by
the recipient if mailed, transmitted or electronically transmitted by any standard form of telecommunication. Notices to the Underwriters
shall be given to the Underwriters &ndash; Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc., 787 Seventh Avenue, 4<SUP>th</SUP> Floor, New
York, New York 10019 (e-mail: <I>kbwsyndicatedesk@kbw.com</I>), Attention: Equity Capital Markets; Piper Sandler&nbsp;&amp; Co., 1251
Avenue of the Americas, 6<SUP>th</SUP> Floor, New York, New York 10020 (e-mail: <I>chris.hooper@psc.com</I>), Attention: General Counsel;
Raymond James&nbsp;&amp; Associates,&nbsp;Inc., 320 Park Avenue, New York, New York 10022 (e-mail: <I>John.Roddy@RaymondJames.com</I>),
Attention: John Roddy &ndash; with a copy (which shall not constitute notice) to Luse Gorman, PC, 5335 Wisconsin Avenue, NW, Suite&nbsp;780,
Washington, D.C. 20007 (e-mail: <I>mlevy@luselaw.com</I>),</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: Marc Levy,&nbsp;Esq. Notices to the Company shall be given to it
at Flushing Financial Corporation, 220 RXR Plaza, Uniondale, New York 11556; Attention: Susan K. Cullen, with a copy to (which shall not
constitute notice): Hughes Hubbard&nbsp;&amp; Reed LLP, One Battery Park Plaza, New York, New York 10004 (e-mail: <I>gary.simon@hugheshubbard.com</I>),
Attention: Gary J. Simon,&nbsp;Esq.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;15.</B></FONT>
This Agreement may be signed in two or more counterparts, each of which shall be an original and all of which together shall constitute
one and the same instrument. Counterparts may be delivered via facsimile, electronic mail (including any electronic signature covered
by the U.S. federal ESIGN Act of 2000, Uniform Electronic Transactions Act, the New York Electronic Signatures and Records Act or other
applicable law, e.g., www.docusign.com) or other transmission method and any counterpart so delivered shall be deemed to have been duly
and validly delivered and be valid and effective for all purposes<FONT STYLE="background-color: white">.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section&nbsp;16.</B></FONT>
THIS AGREEMENT, ANY TRANSACTION CONTEMPLATED HEREUNDER AND ANY CLAIMS, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AGREEMENT
SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO SUCH STATE&rsquo;S PRINCIPLES
OF CONFLICTS OF LAWS THAT WOULD RESULT IN THE APPLICATION OF ANY LAW OTHER THAN THE LAWS OF THE STATE OF NEW YORK.</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; text-indent: 0.5in"><B>Section&nbsp;17.</B></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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
parties hereby submit to the jurisdiction of and venue in the state and federal courts located in the City of New York, New York, in connection
with any dispute related to this Agreement including, without limitation, any suit or proceeding arising out of or relating to this Agreement,
any transaction contemplated hereby, the Pricing Prospectus, the Prospectus, Registration Statement, the offering of the Shares or any
other matter contemplated hereby. The Company irrevocably and unconditionally waives any objection to the laying of venue of any such
suit or proceeding arising out of or relating to this Agreement, the Pricing Prospectus, the Prospectus, the Registration Statement, the
offering of the Shares or any transactions contemplated hereby in a New York Court, and irrevocably and unconditionally waives and agrees
not to plead or claim in any such court that any such suit or proceeding in any such court has been brought in an inconvenient forum.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company acknowledges and agrees that (i)&nbsp;the purchase and sale of the Shares pursuant to this Agreement, including the determination
of the public offering price of the Shares and any related discounts and commissions, is an arm&rsquo;s-length commercial transaction
between the Company on the one hand, and the several Underwriters, on the other, (ii)&nbsp;in connection therewith and with the process
leading to such transaction each Underwriter is acting solely as a principal and not the agent or fiduciary of the Company or any of its
shareholders, creditors, employees or any other party, (iii)&nbsp;no Underwriter has assumed an advisory or fiduciary responsibility in
favor of the Company with respect to the offering contemplated hereby or the process leading thereto (irrespective of whether such Underwriter
has advised or is currently advising the Company on other matters) or any other obligation to the Company except the obligations expressly
set forth in this Agreement, and (iv)&nbsp;the Company has consulted its own legal and financial advisors to the extent it deemed appropriate.
The Company agrees that it will not claim that any of the Underwriters has rendered advisory services of any nature or respect, or owe
a fiduciary or similar duty to the Company in connection with such transaction or the process leading thereto.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Company acknowledges that the Underwriters&rsquo; research analysts and research departments are required to be independent from their
respective investment banking divisions and are subject to certain regulations and internal policies, and that such Underwriters&rsquo;
research analysts may hold views and make statements or investment recommendations and/or publish research reports with respect to the
Company and/or the offering that differ from the views of their respective investment banking divisions. The Company acknowledges that
each of the Underwriters is a full service securities firm and as such from time to time, subject to applicable securities laws, may effect</FONT></P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">transactions for its own account or the account of its customers and hold long or short positions in debt or equity securities of the
companies that may be the subject of the transactions contemplated by this Agreement.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">This
Agreement supersedes all prior agreements and understandings (whether written or oral) between the Company and the Underwriters, or any
of them, with respect to the subject matter hereof.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">THE
COMPANY AND EACH OF THE UNDERWRITERS HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO
TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.</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; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">This
Agreement may not be amended or modified unless in writing signed by all of the parties hereto, and no condition herein (express or implied)
may be waived unless waived in writing by each party whom the condition is meant to benefit. The headings herein are for convenience only
and shall not affect the construction hereof. The invalidity or unenforceability of any Section, paragraph or provision of this Agreement
shall not affect the validity or enforceability of any other Section, paragraph or provision hereof. If any Section, paragraph or provision
of this Agreement is for any reason determined to be invalid or unenforceable, there shall be deemed to be made such minor changes (and
only such minor changes) as are necessary to make it valid and enforceable.</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; text-align: center">[<I>Signature Pages&nbsp;follow</I>]</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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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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; text-indent: 0.5in; color: #232323">The foregoing Underwriting Agreement
is hereby confirmed and accepted in New York, New York as of the date first above written.</P>

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



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Keefe, Bruyette &amp; Woods, Inc.</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Joseph Moeller</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph Moeller</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  </TABLE>

<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; text-align: center">[<I>Signature Page&nbsp;to the Underwriting Agreement</I>]</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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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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; text-indent: 0.5in; color: #232323">The foregoing Underwriting Agreement
is hereby confirmed and accepted in New York, New York as of the date first above written.</P>

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



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Piper Sandler &amp; Co.</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ William Hickey</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William Hickey</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  </TABLE>

<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; text-align: center">[<I>Signature Page&nbsp;to the Underwriting Agreement</I>]</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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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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; text-indent: 0.5in; color: #232323">The foregoing Underwriting Agreement
is hereby confirmed and accepted in New York, New York as of the date first above written.</P>

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



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Raymond James &amp; Associates, Inc.</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ John Roddy</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John Roddy</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  </TABLE>

<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; text-align: center">[<I>Signature Page&nbsp;to the Underwriting Agreement</I>]</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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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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; text-indent: 0.5in">If the foregoing is in accordance with your understanding
of our agreement, please sign below and return to the Underwriters hereof, whereupon this instrument will become a binding agreement among
the Company and the Underwriters.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very truly yours,</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 45%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FLUSHING FINANCIAL CORPORATION</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Susan K. Cullen</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Susan K. Cullen</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Executive Vice President, <BR>
Chief Financial Officer and Treasurer</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  </TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; vertical-align: bottom; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name of Underwriter</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 4%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; vertical-align: bottom; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Number of Firm Shares to be <BR>
Purchased</B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Keefe, Bruyette &amp; Woods, Inc.</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">1,530,055</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piper Sandler &amp; Co.</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">1,530,055</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Raymond James &amp; Associates, Inc.</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center; border-bottom: Black 1pt solid; vertical-align: bottom">1,530,054</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; vertical-align: bottom">4,590,164</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Schedule I</I></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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<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; text-align: center"><B>SCHEDULE II</B></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; text-align: center"><B><U>Issuer Free Writing Prospectuses</U></B></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">Flushing Financial Corporation Investor Presentation dated
December 12, 2024</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; text-align: center"><B><U>Electronic Road Shows or Other Written Communications</U></B></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">None.</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; text-align: center"><B><U>Pricing Information Conveyed Orally to Investors</U></B></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">The offering price per Share is $15.25.</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">The number of Firm Shares to be purchased by the Underwriters is 4,590,164.</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">The number of Option Shares to be purchased at the option of the Underwriters
is up to 688,524.</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; text-align: center"><I>Schedule II</I></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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<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; text-align: center"><B>SCHEDULE III</B></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; text-align: center"><B><U>Permitted Written Testing-the-Waters Communications</U></B></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">Flushing Financial Corporation Investor Presentation dated
 12, 2024</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; text-align: center"><B>EXHIBIT&nbsp;A</B></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; text-align: center"><B><U>Form&nbsp;Opinion Of Counsel To The Company</U></B></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; text-align: center">[Attached.]</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; text-align: center"><B>EXHIBIT&nbsp;B</B></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; text-align: center">FLUSHING FINANCIAL CORPORATION</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; text-align: center"><U>CHIEF FINANCIAL OFFICER&rsquo;S CERTIFICATE</U></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; text-align: center">[Attached.]</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; text-align: center"><B>EXHIBIT&nbsp;C</B></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; text-align: center"><B><U>Form&nbsp;of Lock-up Agreement</U></B></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; text-align: center">[Attached.]</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; text-align: center"><B>EXHIBIT&nbsp;C-1</B></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; text-align: center"><B><U>List of Persons Executing Lock-Up Agreements</U></B></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; text-align: center">[Attached.]</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; text-align: center"><I>Schedule III</I></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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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<FILENAME>tm2430453d1_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;5.1</B></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 1in 0pt 0; text-align: right; text-indent: 5.5in">December&nbsp;12, 2024</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">Flushing Financial Corporation<BR>
220 RXR Plaza</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Uniondale, New York 11556</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">Ladies and Gentlemen:</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have acted as counsel
to Flushing Financial Corporation, a Delaware corporation (the &ldquo;Company&rdquo;), in connection with the issuance and sale by
the Company of an aggregate of 5,278,688 shares (the &ldquo;Shares&rdquo;) of the Company&rsquo;s common stock, par value $0.01 per
share (the &ldquo;Common Stock&rdquo;), pursuant to the Underwriting Agreement, dated December&nbsp;12, 2024 (the
 &ldquo;Underwriting Agreement&rdquo;), among the Company and Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc., Piper Sandler&nbsp;&amp;
Co. and Raymond James&nbsp;&amp; Associates,&nbsp;Inc., as underwriters (the &ldquo;Underwriters&rdquo;). The foregoing number of
Shares includes up to 688,524 shares of Common Stock pursuant to an option to purchase additional Shares granted to the
Underwriters.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In arriving at the opinions expressed below, we
have reviewed the following documents:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in">(a)</TD><TD STYLE="text-align: justify">the Underwriting Agreement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in">(b)</TD><TD STYLE="text-align: justify">the Registration Statement on Form&nbsp;S-3 (Registration No.&nbsp;333-283312), filed by the Company under the Securities Act of 1933,
as amended (the &ldquo;Securities Act&rdquo;), with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;) on November&nbsp;18,
2024 and declared effective on November&nbsp;29, 2024, including the exhibits thereto and the documents incorporated by reference therein
to and including the date of the Underwriting Agreement (the &ldquo;Registration Statement&rdquo;); and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in">(c)</TD><TD STYLE="text-align: justify">copies of the amended Certificate of Incorporation and the Amended and Restated Bylaws of the Company, as amended through the date
hereof.</TD></TR></TABLE>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have considered such matters of law and fact,
and relied upon such certificates of officers of the Company and public officials, corporate records and other information furnished to
us, including without limitation the certificates and representations referred to below, as we have deemed appropriate as a basis for
the opinion set forth below.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In arriving at the opinion expressed below, we
have assumed the authenticity of all documents submitted to us as originals, the conformity to the originals of all documents submitted
to us as copies and the genuiness of all signatures. In addition, we have assumed and have not verified (i)&nbsp;the accuracy as to factual
matters of each document we have reviewed and of the representations and warranties set forth therein and (ii)&nbsp;that the Underwriting
Agreement is a legal, valid and binding obligation of each party thereto, other than the Company, enforceable against each such party
in accordance with its terms.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Based on and subject to the foregoing, and to the
other assumptions, qualifications and limitations set forth herein, it is our opinion that the Shares have been duly authorized by the
Company and, when issued, delivered, and paid for in acordance with the Underwriting Agreement, will be validly issued, fully paid and
non-assessable.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in">The foregoing opinion is limited to the federal
law of the United States and the Delaware General Corporation Law as in effect on the date hereof, and we express no opinion as to the
effect of the laws of any other jurisdiction or as of any later date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in">We are furnishing this opinion letter to you solely
for your benefit in connection with the transactions described above for purposes of filing this opinion letter with the Commission to
make it an exhibit to the Registration Statement. This opinion letter is not to be used, circulated, quoted, relied upon or otherwise
referred to for any other purpose whatsoever without in each instance our prior written consent. This opinion letter speaks only as of
the date hereof, and we disclaim any obligation to advise you of changes of law or fact that occur after the date hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We hereby consent to the filing of this opinion
with the Commission to make it an exhibit to the Registration Statement and we further consent to the use of our name under the caption
 &ldquo;Legal Matters&rdquo; in the forms of prospectus relating to the offering of the Shares included in the Registration Statement or
filed by the Company pursuant to Rule&nbsp;424(b)&nbsp;under the Securities Act. In giving this consent, we do not hereby admit that we
are in the category of persons whose consent is required under Section&nbsp;7 of the Securities Act or the rules&nbsp;and regulations
of the Commission thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</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: 50%; text-align: left">&nbsp;</TD><TD STYLE="text-align: justify; width: 50%">Very truly yours,</TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">/s/ Hughes Hubbard&nbsp;&amp; Reed LLP</TD></TR>
     </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 252.75pt">&nbsp;</P>

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

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<TYPE>EX-99.1
<SEQUENCE>4
<FILENAME>tm2430453d1_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<P STYLE="text-align: right; margin: 0"><B>Exhibit 99.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2430453d1_ex99-1img001.jpg" ALT=""></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(718) 961-5400</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Announces Common Stock Offering</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Uniondale, NY &ndash; December 12, 2024 &ndash;
Flushing Financial Corporation (&ldquo;Flushing&rdquo; or the &ldquo;Company&rdquo;), the parent holding company for Flushing Bank (the
 &ldquo;Bank&rdquo;), today announced that it has commenced a public offering of $70,000,000 of its common stock, $0.01 par value per share
(the &ldquo;Common Stock&rdquo;), subject to market and other conditions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, Flushing has granted the underwriters
a 30-day option to purchase up to an additional $10,500,000 of Common Stock at the public offering price, less underwriting discounts
and commissions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing intends to use the net proceeds from
the offering for general corporate purposes, including investing a portion of the net proceeds into the Bank to support the Bank&rsquo;s
capital ratios in connection with the potential repositioning of a substantial portion of its available-for-sale securities portfolio
as well as a potential sale of certain of its commercial real estate loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Keefe, Bruyette &amp; Woods, Inc., A Stifel Company,
Piper Sandler &amp; Co. and Raymond James &amp; Associates, Inc. are acting as joint book-running managers for the offering. Luse Gorman,
PC is serving as legal counsel to the joint book-running managers. Hughes Hubbard &amp; Reed LLP is serving as legal counsel to Flushing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Common Stock will be issued pursuant to an
effective shelf registration statement (File No. 333-283312) (including a base prospectus) and a preliminary prospectus supplement filed
with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;), and a final prospectus supplement to be filed with the SEC. Prospective
investors should read the preliminary prospectus supplement and accompanying base prospectus in the registration statement and other documents
the Company has filed or will file with the SEC for more complete information about the Company and the offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Copies of the preliminary prospectus supplement
and the accompanying base prospectus relating to the Common Stock offering can be obtained without charge by visiting the SEC&rsquo;s
website at www.sec.gov, or by emailing Keefe, Bruyette &amp; Woods, A Stifel Company, at kbwsyndicatedesk@kbw.com, Piper Sandler &amp;
Co. at prospectus@psc.com or Raymond James &amp; Associates, Inc. at prospectus@raymondjames.com.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This press release is for informational purposes
only and does not constitute an offer to sell or a solicitation of an offer to buy any securities, nor shall there be any sale of the
securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification
under the securities laws of any such jurisdiction. The offering of the Common Stock is being made only by means of a written prospectus
meeting the requirements of Section 10 of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;). The securities being
offered have not been approved or disapproved by any regulatory authority, nor has any such authority passed upon the accuracy or adequacy
of the prospectus supplement or the shelf registration statement or prospectus relating thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities being offered are not savings accounts,
deposits or other obligations of any bank or non-bank subsidiary of Flushing and are not insured or guaranteed by the FDIC or any other
governmental agency.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 50%; text-align: left">Investor Contact: Susan K. Cullen, SEVP, CFO and Treasurer</TD>
    <TD STYLE="padding-top: 1pt; border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; width: 25%">(718) 961-5400</TD>
    <TD STYLE="padding-top: 1pt; border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; width: 25%">IR@FlushingBank.com</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Financial Corporation is the holding
company for Flushing Bank&reg;, an FDIC insured, New York State&mdash;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&rsquo;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. Additional information on Flushing Financial Corporation
and Flushing Bank may be obtained by visiting the Company&rsquo;s web site at FlushingBank.com.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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, changes in market interest rates; 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; global climate changes; and environmental,
social and governance requirements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">These and other factors are more fully described
under &ldquo;Risk Factors&rdquo; in Item 1A of the Company&rsquo;s most recent Annual Report on Form 10-K for the fiscal year ended December
31, 2023, filed with the SEC on March 15, 2024, our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2024, June 30, 2024
and September 30, 2024, filed with the SEC on May 6, 2024, August 8, 2024 and November 5, 2024, respectively, 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">&nbsp;</P>

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

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 1pt; text-align: left; width: 50%">Investor Contact: Susan K. Cullen, SEVP, CFO and Treasurer</TD>
    <TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 1pt; text-align: left; width: 25%">(718) 961-5400</TD>
    <TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 1pt; text-align: right; width: 25%">IR@FlushingBank.com</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>5
<FILENAME>tm2430453d1_ex99-2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99.2</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_001.jpg" ALT=""></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(718) 961-5400</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Announces Pricing of Common Stock Offering</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Uniondale, NY &ndash; December 12, 2024 &ndash;
Flushing Financial Corporation (&ldquo;Flushing&rdquo; or the &ldquo;Company&rdquo;), the parent holding company for Flushing Bank (the
 &ldquo;Bank&rdquo;), today announced the pricing of a public offering of 4,590,164 shares of its common stock, $0.01 par value per share
(the &ldquo;Common Stock&rdquo;), at a public offering price of $15.25 per share, for aggregate gross proceeds of $70,000,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, Flushing has granted the underwriters
a 30-day option to purchase up to an additional 688,525 shares of Common Stock at the public offering price, less underwriting discounts
and commissions. The Company expects to close the offering, subject to customary conditions, on or about December 16, 2024.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing intends to use the net proceeds from
the offering for general corporate purposes, including investing a portion of the net proceeds into the Bank to support the Bank&rsquo;s
capital ratios in connection with the potential repositioning of a substantial portion of its available-for-sale securities portfolio
as well as a potential sale of certain of its commercial real estate loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Keefe, Bruyette &amp; Woods, Inc., A Stifel Company,
Piper Sandler &amp; Co. and Raymond James &amp; Associates, Inc. are acting as joint book-running managers for the offering. Luse Gorman,
PC is serving as legal counsel to the joint book-running managers. Hughes Hubbard &amp; Reed LLP is serving as legal counsel to Flushing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Common Stock will be issued pursuant to an
effective shelf registration statement (File No. 333-283312) (including a base prospectus) and a preliminary prospectus supplement filed
with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;), and a final prospectus supplement to be filed with the SEC. Prospective
investors should read the preliminary prospectus supplement and accompanying base prospectus in the registration statement and other documents
the Company has filed or will file with the SEC for more complete information about the Company and the offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Copies of the preliminary prospectus supplement
and the accompanying base prospectus relating to the Common Stock offering can be obtained without charge by visiting the SEC&rsquo;s
website at www.sec.gov, or by emailing Keefe, Bruyette &amp; Woods, A Stifel Company, at kbwsyndicatedesk@kbw.com, Piper Sandler &amp;
Co. at prospectus@psc.com or Raymond James &amp; Associates, Inc. at prospectus@raymondjames.com.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This press release is for informational purposes
only and does not constitute an offer to sell or a solicitation of an offer to buy any securities, nor shall there be any sale of the
securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification
under the securities laws of any such jurisdiction. The offering of the Common Stock is being made only by means of a written prospectus
meeting the requirements of Section 10 of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;). The securities being
offered have not been approved or disapproved by any regulatory authority, nor has any such authority passed upon the accuracy or adequacy
of the prospectus supplement or the shelf registration statement or prospectus relating thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities being offered are not savings accounts,
deposits or other obligations of any bank or non-bank subsidiary of Flushing and are not insured or guaranteed by the FDIC or any other
governmental agency.</P>

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

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt"></P><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: bottom"><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; white-space: nowrap; width: 50%; text-align: left">Investor Contact: Susan K. Cullen, SEVP, CFO and Treasurer</TD><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 5%">&nbsp;</TD><TD STYLE="text-align: center; border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 20%">(718) 961-5400</TD><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 5%">&nbsp;</TD><TD STYLE="text-align: right; border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 20%">IR@FlushingBank.com</TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Flushing Financial Corporation is the holding
company for Flushing Bank&reg;, an FDIC insured, New York State&mdash;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&rsquo;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. Additional information on Flushing Financial Corporation
and Flushing Bank may be obtained by visiting the Company&rsquo;s web site at FlushingBank.com.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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, changes in market interest rates; 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; global climate changes; and environmental,
social and governance requirements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">These and other factors are more fully described
under &ldquo;Risk Factors&rdquo; in Item 1A of the Company&rsquo;s most recent Annual Report on Form 10-K for the fiscal year ended December
31, 2023, filed with the SEC on March 15, 2024, our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2024, June 30, 2024
and September 30, 2024, filed with the SEC on May 6, 2024, August 8, 2024 and November 5, 2024, respectively, 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">&nbsp;</P>

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


<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<!-- Field: Page; Sequence: 2; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt"></P><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: bottom"><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; white-space: nowrap; width: 50%; text-align: left">Investor Contact: Susan K. Cullen, SEVP, CFO and Treasurer</TD><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 5%">&nbsp;</TD><TD STYLE="text-align: center; border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 20%">(718) 961-5400</TD><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 5%">&nbsp;</TD><TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; width: 20%">IR@FlushingBank.com</TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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        <link:linkbaseRef xlink:type="simple" xlink:href="ffic-20241212_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd" />
    <import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd" />
    <import namespace="http://fasb.org/us-types/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd" />
    <import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd" />
    <import namespace="http://fasb.org/srt-types/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>7
<FILENAME>ffic-20241212_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.24c -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentRegistrationStatement" xlink:label="dei_DocumentRegistrationStatement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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>
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      <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/2023/dei-2023.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/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
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      <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>
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      <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/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
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      <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/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
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      <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/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
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      <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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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>
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      <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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>8
<FILENAME>ffic-20241212_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
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    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<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">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.24.3</span><table class="report" border="0" cellspacing="2" id="idm45512670872944">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Dec. 12, 2024</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">Dec. 12,  2024<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>
</table>
<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>
</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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<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>
</tr>
<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>
</table>
<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>
<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:stringItemType</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>
</table>
<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>
</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:dateItemType</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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<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>
</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:submissionTypeItemType</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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<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>
</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: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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<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>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</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: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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<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>
</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: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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<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>
</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:stateOrProvinceItemType</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>
</table>
<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>
</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:centralIndexKeyItemType</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>
</table>
<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>
</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>
</table>
<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>
</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:fileNumberItemType</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>
</table>
<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>
</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:edgarStateCountryItemType</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>
</table>
<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>
</tr>
<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>
</table>
<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>
</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:employerIdItemType</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>
</table>
<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>
</tr>
<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>
</table>
<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>
</table>
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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>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>
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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>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>
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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><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_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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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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<td><strong> Balance Type:</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>
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<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>
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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>
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