Exhibit 10.3

Directors' Compensation Summary Sheet - 2024

			Board Members			Chairman of the Board
Annual Retainer			125,000			215,000
Committee Chairs
Audit Committee			35,000
Human Capital & Compensation Committee			25,000
Investment Committee			25,000
Nominating & Governance Committee			25,000
Risk Committee			25,000
Cybersecurity & Technology Committee			25,000
Transaction Review Subgroup Retainer			10,000
Stock Grants1			165,000			285,000
1 Number of shares issued based upon FMV on date of grant.