Exhibit 10.5

Directors’ Compensation Summary Sheet - 2023

			Board Members			Chairman of the Board
Annual Retainer			115,000			215,000
Committee Chairs
Audit Committee			27,500
Human Capital & Compensation Committee			22,500
Investment Committee			22,500
Nominating & Governance Committee			22,500
Risk Committee			22,500
Transaction Review Subgroup Committee Retainer			10,000
Cyber & Technology Subgroup Committee Retainer			10,000
Stock Grants ¹			155,000			285,000
¹ Number of shares issued based upon FMV on date of grant.