<SEC-DOCUMENT>0000950159-22-000094.txt : 20220411
<SEC-HEADER>0000950159-22-000094.hdr.sgml : 20220411
<ACCEPTANCE-DATETIME>20220411160408
ACCESSION NUMBER:		0000950159-22-000094
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		8
CONFORMED PERIOD OF REPORT:	20220525
FILED AS OF DATE:		20220411
DATE AS OF CHANGE:		20220411

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Bancorp, Inc.
		CENTRAL INDEX KEY:			0001295401
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				233016517
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51018
		FILM NUMBER:		22819710

	BUSINESS ADDRESS:	
		STREET 1:		409 SILVERSIDE ROAD
		CITY:			WILMINGTON
		STATE:			DE
		ZIP:			19809
		BUSINESS PHONE:		302-385-5000

	MAIL ADDRESS:	
		STREET 1:		409 SILVERSIDE ROAD
		CITY:			WILMINGTON
		STATE:			DE
		ZIP:			19809
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>bancorpdef14a.htm
<DESCRIPTION>THE BANCORP, INC. FORM DEF 14A
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.05pt; text-align: center; text-indent: -0.65pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B><BR>
Washington, D.C. 20549</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SCHEDULE 14A INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Proxy Statement Pursuant to Section 14(a) of the
Securities Exchange Act of 1934</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Filed by the Registrant [X]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Filed by a Party other than the Registrant [&nbsp;&nbsp;&nbsp;]</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="width: 86%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preliminary Proxy Statement</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Confidential, for use of the Commission Only</B> (as permitted by Rule 14a-6(e)(2))</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[X]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Definitive Proxy Statement</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Definitive Additional Materials</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Soliciting Materials under 240.14a-12</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>The Bancorp, Inc.</B></P>

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

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

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

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

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><BR> </B><BR>
<I>(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</I></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Payment of Filing Fee (Check all boxes that apply)</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[X]</FONT></TD>
    <TD STYLE="width: 86%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No fee required.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[ &nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee paid previously with preliminary materials &nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">[&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B><IMG SRC="tsgimage_001.jpg" ALT="" STYLE="height: 47.4pt; width: 2in"></B></P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>The Bancorp,
Inc.</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt">409 Silverside
Road, Suite 105</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt">Wilmington,
DE 19809</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>NOTICE
OF ANNUAL MEETING OF STOCKHOLDERS</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>To Be
Held May 25, 2022</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">To the Stockholders of THE BANCORP, INC.:</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Notice is hereby given that the
2022 annual meeting (the &ldquo;Annual Meeting&rdquo;) of stockholders of THE&nbsp;BANCORP, INC., a Delaware corporation (the &ldquo;Company&rdquo;),
will be held at 409 Silverside Road, Suite 105, Wilmington, Delaware 19809 on Wednesday, May 25, 2022 at 10:00 A.M., Delaware time, for
the following purposes:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">To elect the ten directors named in the enclosed Proxy Statement to serve until the next annual meeting
of stockholders.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">To approve, in an advisory (non-binding) vote, the Company&rsquo;s compensation program for its named
executive officers.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">To approve the selection of Grant Thornton LLP as the independent registered public accounting firm for
the Company for the fiscal year ending December 31, 2022.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">To transact such other business as may properly be brought before the Annual Meeting and any adjournment,
postponement or continuation thereof.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Only stockholders of record on
the books of the Company at the close of business on March 28, 2022 will be entitled to notice of and to vote at the Annual Meeting or
any adjournments thereof. <FONT STYLE="color: windowtext">A list of stockholders entitled to vote at the Meeting will be available for
inspection at the Meeting and at the offices of the Company at 409 Silverside Road Suite 105, Wilmington, Delaware 19809.</FONT></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>STOCKHOLDERS CAN HELP AVOID
THE NECESSITY AND EXPENSE OF SENDING FOLLOW-UP LETTERS TO ASSURE A QUORUM BY PROMPTLY RETURNING THE ENCLOSED PROXY. THE ENCLOSED ADDRESSED
ENVELOPE REQUIRES NO POSTAGE AND YOU MAY REVOKE YOUR PROXY AT ANY TIME BEFORE ITS USE.</B></P>

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

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  <TR>
    <TD STYLE="width: 49%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 51%">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">By order of the Board of Directors</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><IMG SRC="tsgimage_003.jpg" ALT="" STYLE="height: 28.2pt; width: 79.8pt"></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Paul Frenkiel</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Secretary</P></TD></TR>
  <TR>
    <TD>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Wilmington, Delaware</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">April 14, 2022</P></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0pt 0; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><B>We intend to hold our
Annual Meeting in person. However, we are actively monitoring the public health and travel concerns of our stockholders, directors and
employees in light of COVID-19 (Coronavirus), as well as the related protocols that federal, state and local governments may impose. As
part of our precautions, we are considering the need to change the location of the Annual Meeting and/or hold a virtual meeting by means
of remote communication. We will announce any alternative arrangements for the Annual Meeting as promptly as practicable.</B></P>


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<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>Important
Notice Regarding the Availability of Proxy Materials for the Annual Meeting to be held on</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>May 25,
2022:</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>The Company&rsquo;s
Notice of Annual Meeting, Proxy Statement, Annual Report for the year ended December 31, 2021 and Proxy Card are available</B>&nbsp;<B>at</B></P>

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

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

<P STYLE="text-align: center"><B>https://investors.thebancorp.com/financial-information/proxy-materials/default.aspx</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>



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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>The Bancorp,
Inc.</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>2022
Annual Meeting of Stockholders</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>Table
of Contents</B></P>

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



<TABLE CELLPADDING="0" CELLSPACING="10" STYLE="width: 100%">
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 91%; text-align: left; padding-left: 0in">GENERAL</TD>
    <TD STYLE="width: 9%; text-align: right">1</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">PROPOSAL 1. ELECTION OF DIRECTORS AND DIRECTOR DIVERSITY</TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">STOCK OWNERSHIP, SECTION 16 COMPLIANCE AND HEDGING POLICY</TD>
    <TD STYLE="text-align: right">9</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">NON-DIRECTOR EXECUTIVE OFFICERS</TD>
    <TD STYLE="text-align: right">12</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">CORPORATE GOVERNANCE</TD>
    <TD STYLE="text-align: right">13</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">PROPOSAL 2. ADVISORY (NON-BINDING) VOTE ON EXECUTIVE COMPENSATION</TD>
    <TD STYLE="text-align: right">19</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">COMPENSATION DISCUSSION AND ANALYSIS</TD>
    <TD STYLE="text-align: right">20</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">COMPENSATION COMMITTEE REPORT</TD>
    <TD STYLE="text-align: right">32</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">EXECUTIVE COMPENSATION</TD>
    <TD STYLE="text-align: right">33</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">AUDIT COMMITTEE REPORT</TD>
    <TD STYLE="text-align: right">40</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">PROPOSAL 3. APPROVAL OF ACCOUNTANTS</TD>
    <TD STYLE="text-align: right">41</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">OTHER MATTERS</TD>
    <TD STYLE="text-align: right">42</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">STOCKHOLDER PROPOSALS AND NOMINATIONS</TD>
    <TD STYLE="text-align: right">42</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 0in">STOCKHOLDER OUTREACH</TD>
    <TD STYLE="text-align: right">43</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt 0pt 0.65pt; text-align: center"><IMG SRC="tsgimage_002.jpg" ALT="" STYLE="height: 36.6pt; width: 110.4pt"></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>The Bancorp,
Inc.</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt">409 Silverside
Road, Suite 105</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt">Wilmington,
DE 19809</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.5pt"><B>2022
ANNUAL MEETING OF STOCKHOLDERS</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">The 2022 annual meeting (the &ldquo;Annual Meeting&rdquo;)
of stockholders of The Bancorp, Inc. (the &ldquo;Company&rdquo;) will be held on Wednesday, May 25, 2022 at 10:00 A.M. <FONT STYLE="color: windowtext">at
409 Silverside Road, Suite 105, Wilmington, Delaware 19809 for the purposes set forth in the accompanying notice. Only stockholders of
record at the close of business on March 28, 2022 will be entitled to notice of and to vote at the Annual Meeting. While we intend to
hold our Annual Meeting in person, we are actively monitoring the public health and travel concerns of our stockholders, directors and
employees in light of COVID-19 (Coronavirus), as well as the related protocols that federal, state and local governments may impose. As
part of our precautions, we are considering the need to change the location of the Annual Meeting and/or hold a virtual meeting by means
of remote communication. We will announce any alternative arrangements for the Annual Meeting as promptly as practicable. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">This statement is furnished in
connection with the solicitation by the Board of Directors of the Company (the &ldquo;Board of Directors&rdquo;) of proxies from holders
of the Company&rsquo;s common stock, par value $1.00 per share (the &ldquo;Common Shares&rdquo;), to be used at the Annual Meeting, and
at all adjournments thereof. Properly executed proxies duly returned to the Company, and not revoked, will be voted at the Annual Meeting
and any and all adjournments thereof.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">This Proxy Statement and the
accompanying form of proxy will be sent on or about April 14, 2022 to stockholders of record as of March 28, 2022.</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">If a proxy in the accompanying
form is executed and returned, it may nevertheless be revoked at any time before its exercise by giving written notice of revocation to
the Secretary of the Company at its Wilmington address stated herein, by submitting a later dated proxy or by attending the Annual Meeting
and voting in person.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Expenses and Manner of Solicitation</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The cost of soliciting proxies
will be borne by the Company. Directors, officers and regular employees of the Company may solicit proxies either personally, by letter
or by telephone, but will not be specifically compensated for soliciting such proxies. The Company will reimburse banks, brokerage firms,
other custodians, nominees and fiduciaries for reasonable expenses incurred in sending proxy materials to beneficial owners of the Common
Shares.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Annual Report and Report on Form 10-K</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company&rsquo;s Annual Report
to Stockholders, including the financial statements and management's discussion and analysis of financial condition and results of operations
for the year ended December 31, 2021, is being sent to stockholders of record as of March 28, 2022<B>. Stockholders of record as of March
28, 2022, and beneficial owners of Common Shares on that date, may obtain from the Company, without charge, a copy of the Company&rsquo;s
Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission, (the &ldquo;SEC&rdquo;),
by a request therefor in writing. Any such request from a beneficial owner of the Common Shares must set forth a good faith representation
that, as of the March 28, 2022 record date for this solicitation, the person making the request was the beneficial owner of the Common
Shares. Such written requests should be directed to The Bancorp, Inc., Attention:&nbsp;Paul Frenkiel, Secretary, 409 Silverside Road,
Suite 105, Wilmington, Delaware 19809.</B></P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Stockholders Sharing an Address</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Stockholders sharing an address
with another stockholder may receive only one Annual Report or one set of proxy materials at that address unless they have provided contrary
instructions. Any such stockholder who wishes to receive a separate copy of the Annual Report or a separate set of proxy materials now
or in the future may write or call the Company to request a separate copy of these materials from the Company at The Bancorp, Inc., Attention:
Andres Viroslav, 409 Silverside Road, Suite 105, Wilmington, Delaware 19809, telephone number (215)&nbsp;861-7990. The Company will promptly
deliver a copy of the requested materials.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Similarly, a stockholder sharing
an address with another stockholder who has received multiple copies of the Company&rsquo;s proxy materials may use the contact information
above to request delivery of a single copy of these materials.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Who May Vote at the Annual Meeting</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">At the Annual Meeting, only those
holders of Common Shares at the close of business on March 28, 2022, the record date, will be entitled to vote. As of the record date,
57,150,244 Common Shares were outstanding. Each holder is entitled to one vote per share on each matter of business properly brought before
the Annual Meeting. Stockholders do not have cumulative voting rights.</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The presence at the Annual Meeting
in person or by proxy of a majority of all the votes entitled to be cast at the Annual Meeting will constitute a quorum. The presence
of a quorum for any proposal establishes a quorum for all of the proposals, even if stockholders do not vote on all of the proposals.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Effect of Broker Non-Votes</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">A failure by brokers to vote
Common Shares held by them in nominee name will mean that such Common Shares will not be counted for the purposes of establishing a quorum
and will not be voted. If a broker does not receive voting instructions from the beneficial owner of Common Shares on a particular matter
and does not have discretionary authority to vote on that matter but votes on another &ldquo;routine&rdquo; matter, those Common Shares
will be counted to determine whether a quorum exists but will not be considered cast on any proposal on which they were not voted. Such
shares are referred to as &ldquo;broker non-votes.&rdquo; Brokers generally only have discretion to vote on the approval of the selection
of the auditor (Proposal 3 below) if you do not provide voting instructions, but do not have discretion to vote those shares with respect
to the other proposals.</P>

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


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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Proposal 1.</I> The number
of votes required in order to be elected as a director is dependent on whether an election is contested or uncontested. The Company&rsquo;s
bylaws define an election as &ldquo;contested&rdquo; if the number of nominees exceeds the number of directors to be elected. As no Company
stockholders have provided proper notice to the Company of an intention to nominate director candidates, the director election described
in Proposal 1 below is an uncontested election. To be elected as a director in an uncontested election, each director is elected by a
majority of votes cast meaning that the number of votes cast &ldquo;for&rdquo; a director's election exceeds the number of votes cast
&ldquo;against&rdquo; that director's election. Abstentions will have no effect on the outcome of the election.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Proposal 2</I>.&nbsp;The affirmative
vote of a majority of the votes cast at the Annual Meeting is required to approve the compensation of the Company&rsquo;s named executive
officers as described in Proposal 2 below. The vote is advisory, which allows stockholders to express to the Board of Directors how they
feel about certain issues facing the Company, such as executive compensation. The results of an advisory vote are non-binding, which means
that the Board of Directors is not required to take any specific action in response to the results of the vote. However, the Board of
Directors strongly values feedback from the Company&rsquo;s stockholders and will take the results of an advisory vote into account when
considering future executive compensation.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in"><I>Proposal
3</I>. The affirmative vote of the holders of a majority of the votes cast at the Annual Meeting is required to approve the selection
of Grant Thornton LLP, or Grant Thornton, as the Company&rsquo;s independent registered public accounting firm. Abstentions will have
no effect on the outcome of the proposal.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in">Any proxy
not specifying to the contrary, and not designated as a broker non-vote, will be voted <I>FOR</I>:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the election of the directors;</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the approval of the compensation for the named executive officers; and</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the approval of the selection of Grant Thornton as the Company&rsquo;s independent registered public accounting
firm for the fiscal year ending December 31, 2022.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Should any matters not described
above be properly presented at the Annual Meeting, the persons named in the proxy will vote in accordance with their judgment. The proxy
authorizes these persons, in their discretion, to vote upon such matters as may properly be brought before the Annual Meeting or any adjournment,
postponement or continuation thereof.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>No Appraisal Rights</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in">Under Delaware
law, holders of our voting stock are not entitled to demand appraisal of their shares or exercise similar rights of dissenters as a result
of the approval of any of the proposals to be presented at the Annual Meeting.</P>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>PROPOSAL 1. ELECTION OF DIRECTORS</B></P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Board of Directors consists
of ten members. All directors are elected for a term of one year or until their successors are elected and qualified. The Board of Directors,
upon the recommendation of its Nominating and Governance Committee, has nominated James J. McEntee III, Michael J. Bradley, Matthew N.
Cohn, Cheryl D. Creuzot, John M. Eggemeyer, Hersh Kozlov, Damian M. Kozlowski, William H. Lamb, Daniela A. Mielke and Stephanie B. Mudick,
for election at the Annual Meeting for a term to expire at the annual meeting to be held in 2023 or until their successors are elected
or appointed.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">It is the intention of the persons
named in the enclosed proxy, in the absence of a contrary direction, to vote for the election of all the current directors. Should any
of the nominees become unable or refuse to accept nomination or election as a director, the persons named as proxies intend to vote for
the election of such other person as the Nominating and Governance Committee of the Board of Directors may recommend. Alternatively, the
Board of Directors may adopt a resolution to reduce the size of the Board of Directors. The Board of Directors knows of no reason why
any of the nominees might be unable or refuse to accept nomination or election. There are no family relationships among the directors,
nominees and executive officers of the Company.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Following are summaries of the
background, business experience and principal occupations of the nominees and current directors.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>James J. McEntee III,</B>
age 64, has been a director of both The Bancorp, Inc. and the Bank since 2000, and has served as Chairman of the Board of both entities
since November 2021. Beginning in July of 2016,&nbsp;Mr. McEntee has served in a variety of senior executive roles, including President
and Chief Financial Officer, in the FinTech Acquisition series of special purpose acquisition companies (&ldquo;SPAC&rdquo;) (FinTech
Acquisition Corp. and FinTech Acquisition Corp. II through VI). Currently, Mr.&nbsp;McEntee serves as President and Secretary of FinTech
Acquisition Corp. V (since June 2019), and FinTech Acquisition Corp. VI (since November 2020). Mr.&nbsp;McEntee&nbsp;has served as the
Managing Principal of StBWell, LLC, an owner and operator of real estate, since June 2010.&nbsp;Mr. McEntee was the Chief Executive Officer
of Alesco Financial, Inc. from its incorporation in 2006 until its merger with Cohen &amp; Company in December 2009 and was the Chief
Operating Officer of Cohen &amp; Company from March 2003 until December 2009 and was a managing director of Cohen &amp; Company Inc.
and was the Vice-Chairman and Co-Chief Operating Officer of JVB Financial through October 2013. He was also a director of T-Rex Group,
Inc., a provider of risk analytics software for investors in renewable energy, from November 2014 until January 2018. From 1990 through
1999, Mr. McEntee was a stockholder at Lamb McErlane, PC, and from 2000 until 2004 was of counsel to Lamb McErlane. Mr. McEntee was previously
a director of Pegasus Communications Corporation, a publicly held provider of communications and other services, and of several other
private companies.&nbsp;Mr. McEntee served as a director of The Chester Fund, a nonprofit organization, from 2008 to June 2020, and served
as its Chairman from July 2012 to January 2018.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Michael J. Bradley</B>, age
77, has been a director of The Bancorp, Inc. and the Bank since 2005. From August 2015 until December 2021, he served as the lead independent
director of the Board of Directors. From 1998 to 2014, Mr.&nbsp;Bradley was a co-owner and Managing Director of BF Healthcare, Inc., a
supplier of physician services to hospitals and assisted living facilities. Mr. Bradley has served on the Board of Directors of Resource
America, Inc., a specialized asset management company, since 2005, and SourceCorp, a provider of business outsourcing solutions, since
1996. Mr. Bradley has served as Chief Executive Officer of several university hospitals, including Columbia Presbyterian Medical Center
and Thomas Jefferson University Hospital. Previously, Mr. Bradley served as Chairman of First Executive Bank, and as Vice Chairman of
First Republic Bank. Mr. Bradley is a certified public accountant.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Matthew N. Cohn</B>, <FONT STYLE="color: black">age
52, has been a director of The Bancorp, Inc. and the Bank since 1999. Mr. Cohn founded and serves as Vice Chairman of The ASI Show, a
leading producer of trade shows throughout the country and the recipient of prestigious awards, including the INC 500 Award twice. In
addition, since 1992, Mr. Cohn has been the Chairman of ASI Computer Systems, and the Vice Chairman of the Advertising Specialty Institute,
a SAAS, technology, and media company and a multi-year winner of the &ldquo;Best Place to Work&rdquo; award. Mr. Cohn has served on the
international board of YPO (the Young Presidents' Organization). Mr. Cohn was Chair of YPO&rsquo;s International Event Committee. He
was the recipient of YPO&rsquo;s &ldquo;Best of the Best&rdquo; international event award in 2019. Mr.&nbsp;Cohn was the Chief Executive
Officer of the Medical Data Institute as well as a past board member of The Society of Independent Show Organizers and Changing Attitudes,
Decisions and Environments for Kids (CADEKids). Mr. Cohn is currently on the Global Mission Board for JDRF (the world's largest charitable
funder of diabetes research) and serves on the International Talent and Compensation Committee of the Board. Mr. Cohn is a past President
of the Board of the Eastern Pennsylvania Chapter of JDRF.</FONT></P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><FONT STYLE="color: black"><B>Cheryl
D. Creuzot,</B> age 62, has been a director of The Bancorp, Inc. and the Bank since October 2021. Mrs. Creuzot is currently President
Emerita of Wealth Development Strategies, LLC and Wealth Development Strategies Investment Advisory, Inc., where she served as Principal
and Managing Partner of these SEC and FINRA regulated firms from 2000 until 2018 when she stepped down from management. After thirty-six
years of practice, she serves as a consultant to her former firm and is in the process of a successful succession. Mrs. Creuzot has served
since 2020 as a Commissioner of The Port of Houston, a position into which she was nominated by Mayor Sylvester Turner and approved by
the Houston City Council. Since 2013 she has served on the MD Anderson Cancer Center Board of Visitors where she is Vice Chair of the
Finance and Capital Planning Committee. Mrs. Creuzot also serves on the board of The Frenchy&rsquo;s Companies, a family-owned food manufacturing
and restaurant organization. She served on the board of Amegy Bank from January 2021 to October 2021 and served on the board of Unity
National Bank from 2008 to 2015, where she chaired the Compliance, Audit and Investment Committees. Mrs. Creuzot is also a former board
member and Vice Chair of the Texas Public Finance Authority, where she was appointed by the Governor and conferred by the Texas State
Senate. She is the former Chair of the University of Houston Board of Visitors and a former board member of the Greater Houston Partnership.
Mrs. Creuzot holds a Bachelor of Science, a Doctorate in Jurisprudence, a Master Laws Degree in Taxation, and a master&rsquo;s degree
in business administration from the University of Houston</FONT><FONT STYLE="color: #1F497D">.</FONT></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><FONT STYLE="color: #1F497D">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>John M. Eggemeyer</B>, age
75, has been a director of The Bancorp, Inc. and the Bank since August 2016. Mr. Eggemeyer is a Founder and Managing Principal of Castle
Creek&reg; Capital LLC which has been an investor in the banking industry since 1990. The firm is currently one of the most active investors
in community banking with in excess of $900 million in assets under management in private equity. Mr. Eggemeyer has over 40 years of experience
in the banking industry and has been involved in more than 75 bank acquisitions. In 2006, the&nbsp;<I>American Banker</I>&nbsp;honored
Mr. Eggemeyer as &ldquo;Community Banker of the Year&rdquo; for his success as a builder of community banking companies. Prior to founding
Castle Creek&reg;, Mr. Eggemeyer spent nearly 20 years as a senior executive with some of the largest banking organizations in the U.S.
with responsibilities across a broad spectrum of banking activities. Mr. Eggemeyer has served as the Chairman of PacWest Bancorp since
its formation in 2000, is a Board member of Northpointe Bancshares, Inc. and was a founder and Director of Guaranty Bancorp. Previously,
he was Chairman and Chief Executive Officer of White River Capital and a Board member of TCF Financial Corporation, Western Bancorp and
American Financial Realty. Mr. Eggemeyer&rsquo;s civic and philanthropic efforts have been focused in the areas of improving the quality
of instruction in education and expanding educational opportunities for lower income students. He was a founder and past President of
the Rancho Santa Fe Community School Endowment and was a member of the Rancho Santa Fe School Site Selection Committee. He also helped
establish the Minnesota Charter of A Better Chance, a national organization committed to creating improved educational opportunities for
minority high school students. Mr. Eggemeyer is a Life Trustee of Northwestern University where he serves on the Finance and Investment
Committees and is a past Trustee of the Bishop&rsquo;s School of La Jolla, California and the Parent Advisory Board at Stanford University.
Mr. Eggemeyer holds a Bachelor of Science degree from Northwestern University and an M.B.A. from the University of Chicago.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Hersh Kozlov</B>, age 74,
has been a director of The Bancorp, Inc. and the Bank since 2014. He has also served as a director of vTv Therapeutics, Inc. (Nasdaq:
VTVT), a biopharmaceuticals company, since September 2019. He has been a partner at Duane Morris LLP (an international law firm) since
2009. Previously, he was a partner at Wolf, Block, Schorr and Solis-Cohen LLP (a law firm) from 2001 to 2009. Mr. Kozlov served as a
member of the board of directors of Resource America, Inc. and was previously a member of the board of directors of JeffBanks, Inc.,
TRM Corporation, Hudson United Bank, US Healthcare Life Insurance Company, and Princeton Insurance Company. Mr.&nbsp;Kozlov has also
served as counsel to the board of directors of US Healthcare, Inc. and was appointed by the President of the United States to be a member
of the Advisory Committee for Trade Policy &amp; Negotiations, serving in that role from 2002 to 2004.</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Damian M. Kozlowski</B>,
age 57, serves as Chief Executive Officer of The Bancorp, Inc., President of the Bank, and a Director of the Company and the Bank. Mr.
Kozlowski joined The Bancorp on June 1, 2016, after having served, from 2010 to 2016 as Chief Executive Officer, President, and Director
of Modern Bank, N.A. From 2008-2009, Mr. Kozlowski served as Chief Executive Officer of Alpha Capital Financing Group, Inc., a private
equity firm he founded. From 2000 through 2006, Mr. Kozlowski served in executive capacities with Citigroup Private Bank; as the CEO
of its Global Private Bank (2005-2006); President of its US Private Bank (2002-2005); Chief Operating Officer and Chief Financial Officer
(2001-2002); and Global Head of Business Development and Strategy (2000-2001). Previously, from 1998 to 1999, he was a Managing Director
of Bank of America Securities, an investment bank.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>William H. Lamb</B>, age
79, has been a director of The Bancorp, Inc. and the Bank since 2004. Mr. Lamb is a founding partner of Lamb McErlane PC, a law firm.
From January 2003 through January 2004, Mr. Lamb served as a Justice of the Pennsylvania Supreme Court and is the only former Pennsylvania
Supreme Court Justice currently in practice. Mr. Lamb has been recognized as a Top 100 Pennsylvania Super Lawyer for appellate law and
as a Pennsylvania Super Lawyer since 2005. Mr. Lamb previously served as director and corporate secretary of JeffBanks, Inc. and Jefferson
Bank until their acquisition by Hudson United Bank in 1999. Since 2004, Mr. Lamb has been appointed to the President's Advisory Committee
on the Arts, the Commonwealth of Pennsylvania's Court of Judicial Discipline, and the Pennsylvania Elections Reform Task Force. Mr. Lamb
also served as President Judge of the Court of Judicial Discipline and on the Chester County Boy Scout Council.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; letter-spacing: -0.15pt"><B>Daniela
A. Mielke</B>, age 56,&nbsp;</FONT>has been a director of both The Bancorp, Inc. and the Bank since August 2019.&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; letter-spacing: -0.15pt">Ms.
Mielke is Managing Partner of Commerce Technology Advisors, LLC, a privately held firm which she founded in April 2016, and which provides
consulting services to technology, financial services and private equity companies on organic and inorganic growth strategies including
building payment businesses and using artificial intelligence.&nbsp;From 2018 to December 2020,&nbsp;</FONT>Ms. Mielke&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; letter-spacing: -0.15pt">served
as the North American CEO of RS2 Inc., one of the leading providers of payment processing services in Europe and Asia Pacific. She had
responsibility for sales and marketing as well as product development and customer relationship management for the company&rsquo;s operations
in North&nbsp;America. From 2013 to 2016 Ms. Mielke was Chief Strategy and Product Officer at Vantiv, Inc., which was at the time the
largest merchant acquirer in the US. From 2010 to 2013, Ms. Mielke was the VP, Head of Global Strategy and Market Intelligence for PayPal
Inc. Ms. Mielke co-founded A-Connect in 2001, a consulting firm which provides financial services and other consulting and rejoined in
2007 to establish and direct new operations for the West Coast and lead its global marketing function. From 2002 to 2007, Ms. Mielke successively
served as VP of Product and SVP of Strategy and Market Intelligence at Visa International. From 1998 to 2002, Ms. Mielke was an Engagement
Manager for McKinsey &amp; Company, a worldwide management consulting firm.&nbsp;Since February 2021, she has served as a member of the
board of directors of FTAC Athena Acquisition Corp., a SPAC. She also currently serves as a member of the board of FINCA International,
a global NGO dedicated to alleviating poverty, and Nuvei (TSX: NVEI and NVEI.U), a global payment technology provider. </FONT></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; letter-spacing: -0.15pt"><B>Stephanie
B. Mudick</B>, age&nbsp;66, </FONT>has been a director of both The Bancorp, Inc. and the Bank since August 2019. Ms. Mudick <FONT STYLE="font-family: Times New Roman, Times, Serif; letter-spacing: -0.15pt">was
Executive Vice President of JPMorgan Chase from 2008 through 2018, where she also served as Head of&nbsp;Regulatory Strategy from 2010
through 2018. In that capacity, she managed the firm&rsquo;s global regulatory agenda across all its businesses and products. During this
period, Ms. Mudick designed and drove the execution of that firm&rsquo;s most significant regulatory deliverables, was central to the
design and development of controls infrastructure and managed conflicts of interest governance. From 2005 through 2007 she was EVP, CAO
and Head of Consumer Operations of the Global Consumer Group at Citigroup, a business providing a wide array of banking, lending, insurance
and investment services to individual and small business consumers in over 50 countries. From 1993 to 2005 Ms.&nbsp;Mudick served in various
roles in Citigroup&rsquo;s legal department including Co-General Counsel and Corporate Secretary. At both JPMorgan Chase and Citigroup,
she served on senior management committees and regularly engaged with and advised their respective Boards of Directors and Board Committees.
Ms. Mudick has previously served as a director of two public company Boards: The Student Loan Corporation (NYSE: STU) and Ixe Grupo Financiero
(BMV:IXE), and several not-for-profit Boards, including City Year New York, which she chaired for six years, and the Institute for International
Education.</FONT></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; letter-spacing: -0.15pt">&nbsp;</FONT></P>


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<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="letter-spacing: -0.15pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Board of Directors has not
adopted specific minimum qualifications for service on the board, but rather has established a set of standards as set forth in the Board&rsquo;s
Corporate Governance Guidelines. These standards may be accessed at https://investors.thebancorp.com/corporate-information/governance-documents/default.aspx
and are summarized below in the description of the Nominating and Governance Committee. The Board of Directors seeks a mixture of skills
that are relevant to the Company&rsquo;s business as a bank holding company and the business of its subsidiary bank. The following presents
a brief summary of the attributes of each director that led to the conclusion that he or she should serve as such:</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. McEntee has extensive experience
in corporate law and financial institution management, as well as significant managerial experience in real estate, investments and capital
markets operations.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. Bradley has served as chairman
and in other significant capacities for financial institutions and served as Chief Executive Officer of several university hospitals,
including Columbia Presbyterian Medical Center and Thomas Jefferson University Hospital. Within these capacities, he was involved in significant
management functions with respect to business and financial matters.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in">Mr. Cohn
has significant experience in founding, leading and having senior roles in a variety of companies, including mid-size businesses of the
type that are the Bank's clients. In addition, he has considerable experience with electronic distribution and technology-based companies.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in">Mrs. Creuzot
has extensive experience in finance and has held numerous leadership positions in the public and private sectors. She has previously served
as a bank director at other federally insured depository institutions, with specific focus on compliance, audit and investment matters.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in">Mr. Eggemeyer
has served as chairman and in other significant management capacities with a number of financial companies. He is experienced in evaluating
financial performance of financial institutions.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. Kozlov has extensive legal
and business experience resulting from his partnerships at prominent law firms where he represented companies which included banks, insurance
companies and other financial institutions. He has board of director's experience at multiple financial institutions. His experience in
general business matters also reflects service as a Presidential Appointee to the Advisory Commission for Trade Policy and Negotiations
of the United States.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. Kozlowski has extensive experience
in commercial banking, wealth management, and investment banking. Additionally, he has held numerous leadership positions in financial
institutions and has a demonstrated record in improving both financial and regulatory performance.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. Lamb has extensive experience
as a director of public bank holding companies, beginning in 1974. Additionally, he has significant legal experience with respect to business
and financial matters.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Ms. Mielke has significant experience
as a senior officer of large payment processing and merchant acquiring companies. She has also served as a technology and financial services
consultant. This experience complements the Company&rsquo;s payment processing and merchant acquiring lines of business as well as its
focus on technology and the emerging fintech marketplace.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Ms. Mudick has extensive experience
in bank regulatory matters as a senior regulatory officer and general counsel in major global banks and bank holding companies. She has
extensive experience in consumer financial products, complementing her regulatory expertise with product expertise.</P>

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


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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Our Board believes that diversity<FONT STYLE="color: black">,
including differences i</FONT>n viewpoints, backgrounds, experiences and other personal characteristics<FONT STYLE="color: black">, is
an important factor in Board oversight and considers this information when evaluating Board composition. The Board Diversity Matrix below
provides </FONT>information about the diversity of our Board in the NASDAQ-required format.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 75%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="background-color: #D9D9D9">
    <TD COLSPAN="3" STYLE="border: Black 1pt solid; padding-top: 10pt; padding-bottom: 10pt; text-align: center"><FONT STYLE="font-variant: small-caps"><B>Board Diversity Matrix (As of March 31, 2022)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Total Number of Directors</TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">10</TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD STYLE="vertical-align: top; width: 62%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 19%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Female</B></TD>
    <TD STYLE="width: 19%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Male</B></TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD COLSPAN="3" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Part I: Gender Identity</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Directors</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">3</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">7</TD></TR>
  <TR STYLE="background-color: #F2F2F2">
    <TD COLSPAN="3" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Part II: Demographic Background</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">African American or Black</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">White</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2</TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">7</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Standard for Election of Directors</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The director nominees receiving
a majority of the votes cast, in uncontested elections, will be elected. If an incumbent director is not elected by a majority of votes
cast, in an uncontested election, the incumbent director will tender his or her resignation to the Board for consideration. The Nominating
and Governance Committee must promptly consider any resignation offer so tendered and make a recommendation to the Board of Directors
as to the response to the resignation offer. The Board of Directors must take action on the Nominating and Governance Committee's recommendation
within 90 days following certification of the stockholder vote. Any director whose resignation is under consideration must abstain from
participating in any board or committee deliberations regarding the acceptance of his or her offer of resignation or the offer of resignation
of any other director tendered because that director received a majority against vote. In contested elections, the Company will use plurality
voting. Each director nominee has indicated their willingness to serve on our Board. Each proxy will be voted &ldquo;FOR&rdquo; the election
of such director nominees unless instructions are given on the proxy to vote &ldquo;AGAINST&rdquo; such director nominees.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">If any nominee for director who
is not an incumbent fails in an uncontested election to receive a majority of votes cast at a meeting of stockholders duly called and
at which a quorum is present, such nominee will not be elected and will not take office. All of the Board of Directors' nominees for election
as a director at the Annual Meeting are incumbents. If an incumbent director's offer of resignation is accepted by the Board of Directors,
or if a non-incumbent nominee for director is not elected, the Board of Directors may fill any resulting vacancy or may decrease the size
of the Board of Directors pursuant to the Company&rsquo;s bylaws.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>The Board of Directors unanimously
recommends a vote &ldquo;FOR&rdquo; the election of each nominee.</B></P>

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

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

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    <!-- Field: /Page -->

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-align: center">STOCK OWNERSHIP, SECTION 16 COMPLIANCE AND
HEDGING POLICY</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following table sets forth
the number and percentage of the Common Shares owned as of March&nbsp;28,&nbsp;2022, by each of the Company&rsquo;s directors and named
executive officers, all of the directors and executive officers as a group and other persons who beneficially own more than 5% of the
Company&rsquo;s outstanding voting securities. This information is reported in accordance with the beneficial ownership rules of the SEC
under which a person is deemed to be the beneficial owner of a security, if that person has or shares voting power or investment power
with respect to such security or has the right to acquire such ownership within 60 days. Shares issuable pursuant to options or warrants
are deemed to be outstanding for purposes of computing the percentage of the person or group holding such options or warrants but are
not deemed to be outstanding for purposes of computing the percentage of any other person.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center">Common</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center">Percent</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid"><B><U>Non-NEO Directors</U>&nbsp;<SUP>(2)</SUP></B></TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><B>Shares <SUP>(1)</SUP></B></TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">of Class</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 56%; text-align: left">Bradley, Michael</TD><TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 12%; text-align: right">59,884</TD><TD STYLE="width: 1%; text-align: left"><SUP>(3)</SUP></TD><TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 7%; text-align: right">&nbsp;*</TD><TD STYLE="width: 6%; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Cohn, Matthew</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">134,700</TD><TD STYLE="text-align: left"><SUP>(4)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Creuzot, Cheryl</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="text-align: left"><SUP>(5)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Eggemeyer, John</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">47,884</TD><TD STYLE="text-align: left"><SUP>(6)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Kozlov, Hersh</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">102,884</TD><TD STYLE="text-align: left"><SUP>(7)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Lamb, William</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">225,625</TD><TD STYLE="text-align: left"><SUP>(8)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">McEntee, James</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">122,300</TD><TD STYLE="text-align: left"><SUP>(9)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Mielke, Daniela</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">40,154</TD><TD STYLE="text-align: left"><SUP>(10)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Mudick, Stephanie</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,884</TD><TD STYLE="text-align: left"><SUP>(11)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left"><P STYLE="margin-top: 0; margin-bottom: 0"></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><B><U>Named
                                            Executive Officers</U> <SUP>(2)</SUP></B></P></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Kozlowski, Damian</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">724,169</TD><TD STYLE="text-align: left"><SUP>(12)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.3</TD><TD STYLE="text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Frenkiel, Paul</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">142,844</TD><TD STYLE="text-align: left"><SUP>(13)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Connolly, Mark</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">148,311</TD><TD STYLE="text-align: left"><SUP>(14)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Garry, Gregor</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">46,985</TD><TD STYLE="text-align: left"><SUP>(15)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Pareigat, Thomas</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">62,682</TD><TD STYLE="text-align: left"><SUP>(16)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">All executive officers and directors (14) persons</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,878,306</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.3</TD><TD STYLE="text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-decoration: underline">Owners of more than 5% of outstanding shares</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">BlackRock, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,301,601</TD><TD STYLE="text-align: left"><SUP>(17)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.5</TD><TD STYLE="text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">The Vanguard Group</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,347,668</TD><TD STYLE="text-align: left"><SUP>(18)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.8</TD><TD STYLE="text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Dimensional Fund Advisors, L.P.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,936,655</TD><TD STYLE="text-align: left"><SUP>(19)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.1</TD><TD STYLE="text-align: left">%</TD></TR>
  </TABLE>

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

<P STYLE="margin: 0pt 0 0pt 0.25in; font: 10pt Times New Roman, Times, Serif">* Less than 1%</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Includes: (a) Common Shares, (b) Common Shares receivable upon vesting of restricted stock units within 60&nbsp;days of March&nbsp;28,
2022 and (c) Common Shares receivable upon exercise of options held by such person which are vested or&nbsp;will vest within 60 days of
March 28, 2022.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>The address of all the Company&rsquo;s directors and executive officers is c/o The Bancorp, Inc., 409&nbsp;Silverside Road, Suite&nbsp;105,
Wilmington, Delaware 19809.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Consists of: (a) 54,884 Common Shares owned directly and (b) 5,000 Common Shares issuable upon exercise of&nbsp;options.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>Consists of: (a) 54,160 Common Shares owned directly, (b) 75,540 shares owned for the benefit of Mr. Cohn&rsquo;s children and (c)
options to purchase 5,000 Common Shares.</TD></TR></TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

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<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>No Shares owned as of March 28, 2022.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(6)</TD><TD>Consists of 47,884 Common Shares issued to Castle Creek Advisors IV LLC on behalf of Mr. Eggemeyer in his capacity as a member of
the Board of Directors of the Company. Based solely on the Form 4 filed by Mr. Eggemeyer on February 10, 2021 (the &ldquo;2/10/21 Form
4&rdquo;), Mr. Eggemeyer disclaims beneficial ownership of all of the securities held by Advisors IV, except to the extent of his respective
pecuniary interest therein. Based solely on the 2/10/21 Form 4, Mr. Eggemeyer is a managing principal of Castle Creek Capital VI LLC,
the sole general partner of Castle Creek Capital Partners VI, LP (&quot;Fund VI&quot;) and he disclaims beneficial ownership of the Common
Shares owned by Fund VI (the &quot;Fund VI Shares&quot;) and they are not included in the Common Shares reported for Mr. Eggemeyer.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(7)</TD><TD>Consists of 102,884 Common Shares owned directly.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(8)</TD><TD>Consists of: (a) 204,347 Common Shares owned directly and (b) 21,278 Common Shares held in trusts for the benefit of members of Mr.
Lamb's immediate family.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(9)</TD><TD>Consists of: (a) 117,300 Common Shares owned directly and (b) 5,000 Common Shares issuable upon exercise of&nbsp;options. &nbsp;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(10)</TD><TD><FONT STYLE="color: windowtext">Consists of (a) 23,374 Common Shares owned directly and (b) 16,780 shares owned indirectly by a family
member.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(11)</TD><TD>Consists of 19,884 <FONT STYLE="color: windowtext">Common Shares owned directly. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(12)</TD><TD>Consists of: (a) <FONT STYLE="color: windowtext">480,303 Common Shares owned directly, (b) 4,460 Common Shares held for the benefit
of members of Mr. Kozlowski&rsquo;s immediate family (c) 223,828 Common Shares issuable upon exercise of options and (d)&nbsp;15,578 Common
Shares held in a 401(k) plan account for the benefit of Mr.&nbsp;Kozlowski.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(13)</TD><TD>Consists of: (a) 137,623 Common Shares owned directly and (c) 5,221 Common Shares held in a 401(k) plan account for the benefit of
Mr. Frenkiel.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(14)</TD><TD>Consists of 144,628 Common Shares owned directly and (b) 3,683 Common Shares held in a 401(k) plan account for the benefit of Mr.
Connolly.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(15)</TD><TD>Consists of 42,900 Common Shares owned directly and (b) 4,085 Common Shares held in a 401(k) plan account for the benefit of Mr. Garry.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(16)</TD><TD>Consists of: (a) 58,363 Common Shares owned directly and (b) 4,319 Common shares held in a 401(k) plan account for the benefit of
Mr.&nbsp;Pareigat.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(17)</TD><TD><FONT STYLE="color: windowtext">Based solely on Form 13G/A filed by BlackRock, Inc, or BlackRock, on January 28, 2022, on behalf of
itself and its subsidiaries, BlackRock Life Limited, BlackRock Advisors, LLC, Aperio Group, LLC, BlackRock Fund Advisors (beneficially
owns 5% or greater of the outstanding shares of the security class being reported on), BlackRock Institutional Trust Company, National
Association, BlackRock Asset Management Ireland Limited, BlackRock Financial Management, Inc., BlackRock Asset Management Schweiz AG,
BlackRock Investment Management, LLC, BlackRock Investment Management (UK) Limited, BlackRock Asset Management Canada Limited, BlackRock
Investment Management (Australia) Limited and BlackRock Fund Managers Ltd. This Form 13G/A reports that BlackRock and these subsidiaries
have sole dispositive power over 8,301,601 Common Shares and sole voting power over 8,193,949 Common Shares. The address of BlackRock,
Inc. is 55 East 52<SUP>nd</SUP> Street, New York, New York 10055.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(18)</TD><TD>Based solely on Form 13G/A filed by The Vanguard Group on February 9, 2022. The Vanguard Group reports that the aggregate amount it
beneficially owns is 3,347,668 Common Shares, and it has sole dispositive power regarding 3,263,058 Common Shares, shared dispositive
power regarding 84,610 Common Shares and shares voting power regarding 47,984 Common Shares. The Address of The Vanguard Group is 100
Vanguard Blvd., Malvern, Pa 19355.</TD></TR></TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(19)</TD><TD>Based solely on Form 13G/A filed by Dimensional Fund Advisors LP, or Dimensional Fund, on February 8, 2022, Dimensional Fund has sole
dispositive power regarding 2,936,655 Common Shares and sole voting power regarding 2,865,004 Common Shares. Such Form 13G/A reports that
Dimensional Fund, an investment adviser, furnishes investment advice to four investment companies and serves as investment manager or
sub-adviser to certain other commingled funds, group trusts and separate accounts (collectively referred to as the &ldquo;Funds&rdquo;).
Such Form 13G/A reports that, in these roles, Dimensional Fund may possess voting and/or investment power over the securities of the Issuer
that are owned by the Funds and may be deemed to be the beneficial owner of the shares of the Issuer held by the funds. Such Form 13G/A
reports that all securities are owned by the Funds and Dimensional Fund disclaims beneficial ownership of such securities. The address
of Dimensional Fund is 6300 Bee Cave Road, Building One, Austin, TX 78746.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.5in"><B>Section 16 Compliance</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Section 16(a) of the Securities
Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), requires the Company&rsquo;s officers, directors and persons who own
more than ten percent of a registered class of the Company&rsquo;s equity securities to file reports of ownership and changes in ownership
with the SEC and to furnish the Company with copies of all such reports.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Based solely on its review of
the reports received by it, the Company believes that, during 2021, no officers, directors or beneficial owners failed to file reports
of ownership and changes of ownership on a timely basis.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1pt; text-indent: 35.9pt">The Company has an Insider Trading Policy
that prohibits hedging transactions. The policy may be accessed at https://investors.thebancorp.com/corporate-information/governance-documents/default.aspx.
The prohibition against hedging is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.3pt; text-indent: 35.7pt"><I>PROHIBITED TRANSACTIONS. The Company
considers it improper and inappropriate for any employee, officer or director to engage in speculative transactions in Company securities.
It therefore is Company policy that insiders may not engage in any of the following transactions:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in"><I>Hedging Transactions. Certain forms of hedging or monetization
transactions, such as zero-cost collars and forward sale contracts, allow an employee, officer or director to lock in much of the value
of his or her stock holdings, often in exchange for all or part of the potential for upside appreciation in the stock. These transactions
allow the employee, officer or director to continue to own the covered securities, but without the full risks and rewards of ownership.
In these situations, the employee, officer or director may no longer have the same objectives as other stockholders. Therefore, employees,
officers and directors are prohibited from engaging in any such transactions. </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1pt">&nbsp;</P>


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-align: center">NON-DIRECTOR EXECUTIVE OFFICERS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Information is set forth below
regarding the background of each of the Company&rsquo;s executive officers who is not also a director. For the Company&rsquo;s officer
who is a director nominee, Damian Kozlowski, this information can be found above under &ldquo;Proposal 1. Election of Directors&mdash;Directors
and Nominees.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1pt; text-indent: 35.9pt"><B>Mark Connolly, </B>age 54, joined The
Bancorp in June 2016 and has served as Executive Vice President and Head of Credit Markets since February 2017 and Chief Credit Officer
since December 2019. From 2013 to 2015, Mr.&nbsp;Connolly held a variety of senior management roles including Chief Financial Officer,
Head of Operations and Head of Financial Services of Tresata, Inc., a data analytics software company. Previously, from 2010 to 2012,
Mr.&nbsp;Connolly served as Managing Director &ndash; Private Bank Head of Products which included US Lending, Mortgages, Banking and
Trust Services at Morgan Stanley Wealth Management. Additionally, Mr. Connolly served as the<BR>
Co-Chief Executive Officer/Chief Operating Officer of the U.S. Private Bank at Citi Global Wealth Management from 2009 to 2010 and served
as the Head of U.S. Lending, Mortgages, Banking and Trust Services at Citi Global Wealth Management from 2005 to 2010. Before joining
Citigroup, Mr. Connolly also held a senior management position within Bank of America&rsquo;s Corporate and Investment Bank from 1998
to 2005.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Paul Frenkiel</B>, age 69,
has served as Chief Financial Officer and Secretary at The Bancorp since joining the organization in September 2009; he also serves as
the organization's Principal Accounting Officer. From November 2000 through October 2008 he was Chief Financial Officer and Executive
Vice President of Republic First Bancorp Inc. From January 2005 through September 2009, Mr. Frenkiel also served as Chief Financial Officer
and in other capacities for First Bank of Delaware, which was spun off from Republic First Bancorp Inc. Additionally, he served as Chief
Financial Officer of JeffBanks, Inc., from 1987 through its acquisition by Hudson United Bancorp in 2000, and also served as Chief Financial
Officer at Dominion Bank. A chartered bank auditor and certified public accountant, Mr. Frenkiel is a member of the American Institute
of Certified Public Accountants. <B>&nbsp;</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Gregor Garry, </B>age 38,
has served as the Chief Operating Officer and Executive Vice President at The Bancorp since July 2019. He has also served as the organization&rsquo;s
Chief Risk Officer, Deputy Chief Operating Officer, Chief Audit Executive, and Vice President of Internal Audit since joining The Bancorp
in October 2014. From December 2009 &ndash; October 2014 he served as the Internal Audit Manager and in other capacities for The First
National Bank in Sioux Falls, Sioux Falls, South Dakota. From July 2007 &ndash; December 2009 Mr. Garry was a Senior Management Consultant
for Milo Belle Consultants. Mr. Garry is a Certified Internal Auditor, a Certified Fiduciary and&nbsp;Investment Risk Specialist, and
holds a certification in Risk Management Assurance.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Thomas Pareigat</B>, age 62,
has served as General Counsel since February 2011. From 2003 to 2005 and from 2007 to 2011 he was a partner in the Minneapolis, Minnesota
law firm of Lindquist &amp; Vennum LLP (now Ballard Spahr LLP), where he concentrated his practice on banking law and regulatory compliance
matters as a member of the firm's Financial Institutions Practice Group. Between 2005 and 2007 he served as Senior Vice President and
Regulatory Counsel for Marshall BankFirst Corp. From 2001 to 2002, Mr. Pareigat was Vice President and Corporate Counsel for Marquette
Bancshares, Inc. and its subsidiary banks until their acquisition by Wells Fargo. From 1989 to 2001 he served as Senior Attorney with
Bankers Systems, Inc. (now Wolters Kluwer Financial Services). A frequent speaker on emerging risk issues within the financial services
industry, Mr. Pareigat serves on the Editorial Board of the American Bankers Association's Bank Compliance magazine and has served on
the faculty of the ABA's National Compliance School and Graduate School for Compliance Risk Management.</P>

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


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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">The Common Shares are listed on the NASDAQ
Global Select Market under the symbol &ldquo;TBBK.&rdquo; The&nbsp;Board of Directors has determined that each of the Company&rsquo;s
current directors meet the definition of an independent director set forth in the NASDAQ listing standards and <FONT STYLE="color: windowtext">the
Bancorp Director Independence Categorical Standards, (the &ldquo;Director Independence Standards&rdquo;), except for Mr. Kozlowski who
is the Chief Executive Officer and President of the Company and the Bank, respectively. The Company&rsquo;s current independent directors
are Mr. </FONT><FONT STYLE="color: black">McEntee, Mr. </FONT>Bradley, <FONT STYLE="color: black">Mr. </FONT>Cohn, Mrs. Creuzot, Mr. Eggemeyer,
Mr. Kozlov, Mr. Lamb, <FONT STYLE="color: black">Ms.&nbsp;<FONT STYLE="letter-spacing: -0.15pt">Mielke and Ms. </FONT></FONT><FONT STYLE="letter-spacing: -0.15pt">Mudick</FONT><FONT STYLE="color: black">.
</FONT>In making these determinations, the Board of Directors reviewed information from each of these directors concerning all their respective
relationships with the Company and its affiliates and analyzed the materiality of those relationships. In considering the independence
of Mr. Kozlov, the Board considered that Mr. Kozlov is a partner at Duane Morris LLP, or Duane Morris, an international law firm, and&nbsp;that
the Company paid amounts to Duane Morris for legal services described below under &ldquo;Certain Relationships and Related Party Transactions.&rdquo;
The Board confirmed that these payments did not exceed 5% of Duane Morris&rsquo; consolidated gross revenues in the current or any of
the Company&rsquo;s last three fiscal years and so did not preclude the Board determining Mr. Kozlov to be independent under NASDAQ listing
standards and further determined that this relationship would not interfere with his exercise of independent judgment in carrying out
his responsibilities as a director. There are four former directors who served on the Board of Directors during 2021 and have retired
or resigned from the Board of Directors prior to the date of this Proxy Statement: Walter T. Beach, John C. Chrystal, Daniel G. Cohen
and Mei-Mei H. Tuan. The Board of Directors had determined that each of these former directors met the definition of an independent director
set forth in the NASDAQ listing standards and the Director Independence Standards for service on the Board of Directors or any Committee
of the Board of Directors that they served on at the relevant time, except for Mr. Cohen who was Chairman of the Board and also employed
by the Company and did not serve on any committee of the Board of Directors requiring independence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Board Leadership and Committee Structure and Role
in Risk Oversight</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">James J. McEntee serves as the
Company&rsquo;s Chairman of the Board and Damian M. Kozlowski serves as its Chief Executive Officer and as a director. The Company believes
that the most effective leadership structure at the present time is to have separate Chairman of the Board and Chief Executive Officer
positions because this allows the board to benefit from having two strong voices bringing separate views and perspectives to meetings.
In addition, from August 2015 through December 2021, Michael J. Bradley served as the lead independent director of the Board of Directors.
In this role, Mr. Bradley acted as an alternative point of contact between other directors and the Chairman of the Board, and facilitated
executive sessions held by the independent directors. The lead independent director role was eliminated in December 2021 with the transition
to an independent director as Chairman of the Board.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">During 2021, six committees of
the Board assisted the Board of Directors with risk oversight<FONT STYLE="color: windowtext">: the Risk Committee, the Complaint and Error
Claim Committee, (the &ldquo;CECC&rdquo;), until its risk oversight activity was assumed by the Risk Committee effective April 1, 2021,
the Bank Secrecy Act, or BSA Committee, until its risk oversight activity was assumed by the Risk Committee effective April 1, 2021, the
Audit Committee, the Environmental, Social and Governance Committee (the &ldquo;ESG Committee&rdquo;) and the Compensation Committee.
These committees each perform risk-related oversight functions on behalf of the Board and report regularly to the Board of Directors,
which also considers the Company&rsquo;s entire risk profile, including additional strategic and reputational risks.</FONT></P>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The Risk Committee meets at least six times per year, and, while the Board of Directors and all of its committees are sensitive to
risks related to the Company and its operations, the Risk Committee is primarily responsible for overseeing the Company&rsquo;s enterprise
risk management processes on behalf of the Board of Directors. During 2021, the Board of Directors expanded the responsibilities of the
Risk Committee to specifically include the oversight activities of the BSA Committee and the CECC. The Company&rsquo;s Chief Risk Officer
meets at least quarterly with the Risk Committee to discuss potential risk or control issues that are monitored through the Company&rsquo;s
enterprise risk management framework. Other key control function officers of the Company also provide reporting to the Risk Committee.</TD></TR></TABLE>
<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>
<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in"></P>

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<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>
<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The CECC was comprised of directors who serve on the Risk Committee. The CECC was formed as a requirement of the 2015 Consent Order.
This committee met monthly and focused on the process for handling, monitoring and resolving customer complaints and Regulation E error
claims received directly by the Bank or through its third-party product contributors. The 2015 Consent Order which required the formation
of the CECC was terminated by the FDIC on November 17, 2020, however the committee remained in place and continued to meet until oversight
of risks related to complaints and error claims was assumed by the Risk Committee effective April 1, 2021.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The BSA Committee was formed in 2014 as a requirement of a 2014 Consent Order, (the &ldquo;2014 Order&rdquo;), between the Bank and
the FDIC. The committee met monthly to oversee the Bank&rsquo;s compliance with BSA and anti-money laundering, or AML, regulations and
identified risks, compliance with the requirements of the 2014 Order, and the implementation of the Company&rsquo;s financial crimes risk
management program. The 2014 Order was terminated by the FDIC on May&nbsp;20,&nbsp;2020, however the committee remained in place and continued
to meet until oversight of risks related to BSA, AML and financial crimes risk management was assumed by the Risk Committee effective
April 1, 2021.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The ESG Committee was formed on February 17, 2021 and was initially a sub-committee of the Nominating and Governance Committee. However,
given the Company&rsquo;s commitment to ESG-related principles and ESG risk management, the Board determined that the ESG Committee should
be a standing committee of the Board, effective March 1, 2022. The committee meets at least quarterly to oversee the Company&rsquo;s ESG
strategy and management&rsquo;s efforts in addressing ESG-related risks facing the Company.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The Audit Committee meets at least quarterly, and focuses on financial reporting risk, oversees the entire audit function and evaluates
the effectiveness of internal and external audit efforts.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The role of the Compensation Committee in providing oversight of compensation risk is described below.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">These committees receive reports
from management regularly regarding the Company&rsquo;s assessment of risks and the adequacy and effectiveness of internal control systems.
Through their interaction with the Company&rsquo;s senior management, these committees oversee credit risk, market risk (including liquidity
and interest rate risk) and operational risk (including compliance and legal risk) and ESG risk. As noted above, with the Bank&rsquo;s
successful emergence from the terminated 2014 Consent Order and 2015 Consent Order, the Board evaluated the Board&rsquo;s committee structure
related to risk management and determined that it would be consistent with the Board&rsquo;s commitment to effective risk oversight to
consolidate the CECC and the BSA Committee into the oversight duties of the Risk Committee. The Board has determined to make this consolidation
effective as of April 1, 2021.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">While the Board of Directors
oversees the Company&rsquo;s risk management across the enterprise, senior management at the Company and Bank are responsible for the
day-to-day risk management processes and implementation of risk management programs. Senior management comprises the Company&rsquo;s Enterprise
Risk Management Committee which meets at least quarterly and addresses various risks, controls and related monitoring. While the Board
of Directors believes that this division of responsibility is the most effective approach for addressing the risks facing the Company,
it will continue to re-examine this structure on a regular basis, recognizing that different structures may be appropriate in different
situations faced by the Company.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Communications with the Board</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Stockholders, employees and
others who wish to communicate with the Board of Directors may do so by sending their correspondence to The Bancorp, Inc.,
Attention: Paul Frenkiel, Secretary, 409 Silverside Road, Suite 105, Wilmington, Delaware 19809. The mailing envelope must contain a
clear notation indicating that the enclosed letter is a &ldquo;Stockholder-Board Communication.&rdquo; All such letters must
identify the author as a stockholder of the Company and clearly state whether the intended recipients are all or individual members
of the Board. The Secretary will make copies of all such letters and circulate them to the appropriate director or directors. The
Secretary has been authorized to screen commercial solicitations and materials which pose security risks, are unrelated to the
business or governance of the Company or are otherwise inappropriate.</P>

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

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    <!-- Field: /Page -->

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

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company&rsquo;s Code of Ethics
and Business Conduct (the &ldquo;Code of Business Conduct&rdquo;) which applies to all employees, including our principal executive officer,
principal financial officer and principal accounting officer, Corporate Governance Guidelines, Director Independence Standards, Insider
Trading Policy and the charters of the Audit Committee, the Compensation Committee and the Nominating and Governance Committee are available
on the Company&rsquo;s website: https://investors.thebancorp.com/corporate-information/governance-documents/default.aspx.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Copies of these documents are
available, free of charge, upon written request to: The Bancorp, Inc., Attention: Andres Viroslav, Investor Relations, 409 Silverside
Road, Suite 105, Wilmington, Delaware 19809. The&nbsp;Company will satisfy the disclosure requirement under Item 5.05 of Form 8-K regarding
an amendment to, or waiver from, a provision of the Code of Business Conduct by posting such information on the Company&rsquo;s website.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B>Board Meetings</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt 0pt 0.2pt; text-indent: 35.8pt">The Board of Directors held a total
of 12 meetings during 2021. During 2021 all directors attended at least 75% of the aggregate of (a) the total number of meetings of the
Board of Directors held during the period for which the director had been a director and (b) the total number of meetings held by all
committees of the Board of Directors on which the director served during the periods that the director served. It is the policy of the
Board of Directors that all directors attend the annual meeting of stockholders of the Company, if practicable. All directors attended
the last annual meeting.</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Board of Directors currently
has six standing committees: Audit Committee, Compensation Committee, Risk Committee, Nominating and Governance Committee, Executive Committee
and ESG Committee. The committees on which directors currently serve, the chairperson of each committee, and the number of meetings held
during 2021 are set forth below. Mr. Kozlowski is not listed because he did not serve on any committee during 2021.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 28%; border-bottom: black 1pt solid; text-align: justify"><B>Board Member</B></TD>
    <TD STYLE="width: 10%; border-bottom: black 1pt solid; text-align: center"><B>Audit</B></TD>
    <TD STYLE="width: 14%; border-bottom: black 1pt solid; text-align: center"><B>Compensation</B></TD>
    <TD STYLE="width: 11%; border-bottom: black 1pt solid; text-align: center"><B>Risk</B></TD>
    <TD STYLE="width: 12%; border-bottom: black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Nominating</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>and</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Governance</B></P></TD>
    <TD STYLE="width: 13%; border-bottom: black 1pt solid; text-align: center"><B>Executive</B></TD>
    <TD STYLE="width: 12%; border-bottom: black 1pt solid; text-align: center"><B>ESG</B></TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom">Michael J. Bradley</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">Chair</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom">Matthew N. Cohn</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">Chair</TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom">Cheryl D. Creuzot</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom">John M. Eggemeyer</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom">William H. Lamb</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">Chair</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom">Hersh Kozlov </TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom">James J. McEntee III</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">Chair</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom">Daniela A. Mielke</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">Chair</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD>
    </TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom">Stephanie B. Mudick</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">Chair</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">X</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD>
    </TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom"><B>Meetings held in 2021</B></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">6</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">9</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">6</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">8</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">-</TD>
    <TD STYLE="vertical-align: top; text-align: center">6</TD>
    </TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The table above reflects the current board of directors and respective committee appointments.&nbsp;Several directors resigned
                                                                                                                                                                                                                       from the Board during 2021 and early 2022 and are not included in the table, however these directors held Board Committee
                                                                                                                                                                                                                       appointments during 2021 and until their respective resignation dates, as follows:&nbsp; Daniel G. Cohen served as chair of the
                                                                                                                                                                                                                       Executive Committee until his retirement on October 31, 2021.&nbsp; Walter T. Beach served as chair of the Compensation Committee
                                                                                                                                                                                                                       until November 17, 2021 and resigned from the Board on December 31, 2021.&nbsp; John C. Chrystal served as chair of the BSA
                                                                                                                                                                                                                       Committee until its merger into the Risk Committee effective April 1, 2021.&nbsp; Mr. Chrystal also served on the Executive
                                                                                                                                                                                                                       Committee, Audit Committee and Risk Committee until his resignation on February 28, 2022. Mei-Mei H. Tuan served as member of the
                                                                                                                                                                                                                       Executive Committee until November 1, 2021.&nbsp; Ms. Tuan also served on the Compensation Committee, and as chair of the Nominating
                                                                                                                                                                                                                       and Governance Committee (and its ESG Sub-Committee) until October 31, 2021, after which she remained a member of those respective
                                                                                                                                                                                                                       committees until her resignation on February 28, 2022.</TD></TR></TABLE>

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


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>On March 17, 2021, the Board determined that two standing committees of the Board, the BSA Committee and the Complaint and Error Claim
Committee (the CECC) should be incorporated into the oversight of the Risk Committee, effective April 1, 2021.&nbsp;The BSA Committee
and the CECC were composed of the same directors already serving on the Risk Committee, as follows, with the chair listed first:&nbsp;BSA:
John C. Chrystal,&nbsp;James J. McEntee III and Daniela A. Mielke; CECC: James J. McEntee III, John C. Chrystal, John M. Eggemeyer, Daniela
A, Mielke and Stephanie B. Mudick.&nbsp; &nbsp;&nbsp;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>On November 17, 2021, the Board of Directors reapproved or modified the composition of committee memberships to be as follows, with
the chair listed first. Audit: Michael J. Bradley, John C. Chrystal, Matthew N. Cohn and Cheryl Creuzot; Compensation: William H. Lamb,
Walter T. Beach, Matthew N. Cohn, John M. Eggemeyer and Mei-Mei H. Tuan; Risk: Stephanie B. Mudick, John C. Chrystal, Hersh Kozlov and
Daniela A. Mielke; Nominating and Governance: Daniela A. Mielke, Matthew N. Cohn,&nbsp; William H. Lamb and Mei-Mei H. Tuan; Executive:
James J. McEntee III, Michael J. Bradley, John M. Eggemeyer and Stephanie B. Mudick;&nbsp; ESG: Matthew N. Cohn, Daniela A. Mielke, Stephanie
B. Mudick and Mei-Mei H. Tuan.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>On February 16, 2022, with an effective date of March 1, 2022, the Board of Directors made the ESG Sub-Committee a standing committee
of the Board, and modified the composition of committee memberships to be as follows, with the chair listed first:&nbsp; Audit: Michael
J. Bradley, Cheryl D. Creuzot and Matthew N. Cohn; Compensation: William H. Lamb, Matthew N. Cohn and John M. Eggemeyer; Risk: Stephanie
B. Mudick, Hersh Kozlov and Daniela A. Mielke; Nominating and Governance: Daniela A. Mielke, Matthew N. Cohn and William H. Lamb; Executive:
James J. McEntee III, Michael J. Bradley, John M. Eggemeyer and Stephanie B. Mudick;&nbsp; ESG: Matthew N. Cohn, Daniela A. Mielke and
Stephanie B. Mudick.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Audit Committee.</I> The Audit
Committee is appointed by the Board of Directors to assist the Board of Directors&rsquo; audit-related oversight of (a) the integrity
of the Company&rsquo;s financial statements, (b) the Company&rsquo;s compliance with legal and regulatory requirements, (c) the independent
auditor's qualifications and independence and (d) the performance of the Company&rsquo;s internal audit function and independent auditors.
The Audit Committee satisfies Exchange Act requirements for a separately designated standing audit committee and also prepares the Audit
Committee Report required by the rules of the SEC to be included in the Company&rsquo;s annual Proxy Statement. Each member of the Audit
Committee meets the independence standards for Audit Committee members set forth in applicable NASDAQ rules, as well as those set forth
in Rule 10A-3(b)(1) of the&nbsp;Exchange Act and in the Director Independence Standards. The Board of Directors has determined that Mr.
Bradley qualifies as an &ldquo;Audit Committee financial expert&rdquo; as that term is defined in applicable SEC rules and regulations.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Compensation Committee.</I>
The Compensation Committee is appointed by the Board of Directors to have direct responsibility for approving the compensation of the
Chief Executive Officer and certain other officers and the non-management directors of the Company as described in &ldquo;Compensation
Committee Report&rdquo; and the related &ldquo;Compensation Discussion and Analysis&rdquo; below. The Compensation Committee also (a)
administers the Company&rsquo;s equity-based compensation plans and (b) reviews any extraordinary bonus or other compensatory payments
to any employee of the Company. For officers and employees reporting to named executive officers, or NEOs, the Compensation Committee
has delegated primary responsibility for recommending salary changes to the President and Chief Executive Officer. All of the members
of this committee have been determined by the Board of Directors to be independent under applicable NASDAQ and SEC rules and regulations,
as well as the Director Independence Standards.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Risk Committee.</I> The Risk
Committee is appointed by the Board of Directors to oversee the Company&rsquo;s enterprise risk management framework, including management&rsquo;s
efforts related to risk assessment and the implementation of risk-related policies, programs and practices used in identifying and managing
Company risks. The Committee meets at least quarterly with the Company&rsquo;s Chief Risk Officer and other key control function officers.
A subset of members of this committee served as members of the CECC and the BSA Committee, which focused on consumer compliance risks
and BSA risks, respectively, until the work of those committees was formally undertaken by the Risk Committee effective April 1, 2021.
See &ldquo;&mdash;Board Leadership and Committee Structure and Role in Risk Oversight.&rdquo;</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Nominating and Governance
Committee.</I> The Nominating and Governance Committee is appointed by the Board of Directors to (a) assist the Company and the Board
of Directors in maintaining an effective and knowledgeable Board of Directors, including assisting the Board of Directors in identifying
individuals qualified to become directors and recommending to the Board of Directors the director nominees for the next annual meeting
of stockholders; (b) review the Board&rsquo;s committee composition and making membership recommendations as needed; and (c) address other
governance-related matters as may be requested by the Board of Directors. From March 2021 to February 2022 this committee, through a Board-appointed
ESG sub-committee, also performed oversight of the Company&rsquo;s ESG-related practices, including environmental sustainability, human
capital management, diversity and inclusion, health and safety issues, corporate social responsibility and other ESG-related activities.
On February 16, 2022, the Board elevated the ESG sub-committee to a standing committee of the Board of Directors. All of the members of
the Nominating and Governance Committee have been determined by the Board of Directors to be independent under applicable NASDAQ and SEC
rules and regulations, as well as the Director Independence Standards.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Nominating and Governance
Committee will consider candidates for nomination as a director recommended by stockholders, directors, officers, third party search firms
and other sources. The procedures for nominations by stockholders are described below in a section titled &ldquo;Stockholder Proposals
and Nominations&rdquo;. The&nbsp;Company describes how it addresses such submissions in the &ldquo;Submission of Director-Nominee Candidate&rdquo;
section of the Corporate Governance Guidelines which may be accessed at https://investors.thebancorp.com/corporate-information/governance-documents/default.aspx.
In evaluating candidates, the Nominating and Governance Committee considers the attributes of the candidate (including skills, experience,
diversity, age, and legal and regulatory requirements) and the needs of the Board of Directors, and will review all candidates in the
same manner, regardless of the source of the recommendation.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Nominating and Governance
Committee has not adopted specific, minimum qualifications or specific qualities or skills that must be met by a Nominating and Governance
Committee-recommended nominee. The Board will consider the overall experience and expertise represented by the Board as well as the qualifications
of each candidate. During the evaluation process, the Committee and the Board will take the following standards into account:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>At least a majority of the Board must be comprised of &ldquo;independent&rdquo; directors determined in accordance with the requirements
of the Nasdaq Rules and any additional &ldquo;independence&rdquo; standards established by the Board from time to time.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates should be capable of working in a collegial manner with persons of different educational, business and cultural backgrounds
and should possess skills and expertise that complement the attributes of the existing directors.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates should represent a diversity of viewpoints, backgrounds, experiences and other demographics, and ties to the Company&rsquo;s
markets.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates should demonstrate notable or significant achievement and possess senior-level business, management, legal or regulatory
experience that would benefit the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates shall be individuals of the highest character and integrity.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates shall be free from any conflict of interest that would interfere with their ability to properly discharge their duties
as a director or would violate any applicable law or regulation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates shall be capable of devoting the necessary time to discharge their duties, taking into account memberships on other Boards
and other responsibilities.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Candidates shall have the desire to represent the interests of all stockholders.</TD></TR></TABLE>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Nominating and Governance
Committee seeks to ensure that the membership of the Board of Directors and each committee of the Board of Directors satisfies all relevant
NASDAQ rules and applicable laws and regulations and all requirements of the Company&rsquo;s governance documents. The Nominating and
Governance Committee seeks to achieve a mixture of skills that are related to the Company&rsquo;s business. The nature of the specific
qualifications, qualities or skills that the Nominating and Governance Committee may look for in any particular director nominee depends
on the qualifications, qualities and skills of the rest of the directors at the time of any vacancy on the Board of Directors.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>ESG Committee</I>. The ESG
Committee is appointed by the Board of Directors to support the Company&rsquo;s ongoing commitment to environmental, social and governance
principles related to the Company&rsquo;s business strategies and commercial activities, including, but not limited to, focusing on issues
related to environmental impact, sustainability, corporate social responsibility, human capital management, diversity and inclusion, health
and safety, philanthropy, corporate governance, compliance, business ethics, board diversity, reputation and other public policy matters
relevant to the Company. The ESG Committee is responsible for (a) overseeing the work of a dedicated management ESG Working Group (comprised
of key members of senior management) in the development of the Company&rsquo;s overall ESG strategy; (b) monitoring management&rsquo;s
efforts to identify and mitigate current and emerging ESG-related risks that may affect the business, operations, performance or public
image of the Company; and (c) evaluating the Company&rsquo;s ESG-related performance.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Executive Committee.</I> The
Executive Committee has the delegated authority to act in lieu of the Company&rsquo;s Board of Directors in between meetings of the Board.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Compensation Committee Interlocks and Insider
Participation </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">Messrs. Beach, Lamb, Cohn, Eggemeyer and Ms.
Tuan were all directors who served as members of the Compensation Committee during 2021. Mr. Eggemeyer served since November 17, 2021.
Ms. Tuan served until her resignation from the Board on February 28, 2022. None of them were or are current or former officers or employees
of the Company and none had any relationship with the Company requiring disclosure in this Proxy Statement as a related party transaction.</P>

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


<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 0.5in">No executive
officer of the Company served on the board of directors or compensation committee of any entity that has one or more executive officers
serving as members of the Company&rsquo;s Board of Directors or Compensation Committee.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-align: center">CERTAIN RELATIONSHIPS AND RELATED PARTY
TRANSACTIONS</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Under the Code of Business Conduct,
the Company has established a procedure regarding the review and approval of transactions that would be required to be reported under
Item 404 of Regulation S-K. Under this procedure, the Audit Committee must approve any such transaction and find it to be on terms comparable
to those available on an arms' length basis from an unaffiliated third party or find that it otherwise does not create a conflict of interest.
If the Audit Committee finds a conflict of interest to exist with respect to a particular transaction, that transaction is prohibited
unless a waiver of the Code of Business Conduct is approved by the Audit Committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">The Bank has entered into lending transactions
in the ordinary course of business with directors, executive officers, principal stockholders and affiliates of such persons. All loans
were made on substantially the same terms, including interest rate and collateral, as those prevailing at the time for comparable loans
with persons not related to the lender. At December 31, 2021, these loans were current as to principal and interest payments and did not
involve more than normal risk of collectability or present other unfavorable features. At December 31, 2021, loans to these related parties
amounted to $5.2 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">Mr. Hersh Kozlov, a director of the Company,
is a partner at Duane Morris LLP, or Duane Morris, an international law firm. The Company paid&nbsp;Duane Morris $1.9 million in 2021
for legal services.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-align: center">PROPOSAL 2. ADVISORY (NON-BINDING) VOTE ON
EXECUTIVE COMPENSATION</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Dodd-Frank Wall Street Reform
and Consumer Protection Act (the &ldquo;Dodd-Frank Act&rdquo;) requires public companies to provide their stockholders with a non-binding
vote to approve executive compensation at least once every three years, or more frequently, as directed by stockholder vote. The Company
is seeking this stockholder advisory vote on its executive compensation in accordance with applicable SEC rules and pursuant to the stockholder
vote of the Company&rsquo;s 2017 annual meeting that required the advisory vote to be on an annual basis.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>The Board of Directors Supports a Say-On-Pay Vote
and Will Consider the Results Carefully.</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">At the Company&rsquo;s 2021 Annual
Meeting, 92% of the votes cast approved the Company&rsquo;s 2020 executive compensation program, compared to 96% of the votes cast for
the Company&rsquo;s 2019 executive compensation program at the Company&rsquo;s 2020 meeting and 70% of the votes cast for the Company&rsquo;s
2018 executive compensation program at the Company&rsquo;s 2019 Annual Meeting. The Board of Directors values the Company&rsquo;s stockholders'
opinions. As it does each year, the Board of Directors intends to evaluate the results of the advisory vote on compensation carefully
when making future decisions regarding compensation of the named executive officers.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Compensation of Named Executive Officers</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">As described in the CD&amp;A
below, the Compensation Committee has developed an executive compensation program designed to align the long-term interests of the Company&rsquo;s
named executive officers with the long-term interests of its stockholders. The disclosure in the CD&amp;A and the disclosure included
in the section entitled &ldquo;Executive and Director Compensation&rdquo; below have been provided in response to the requirements of
SEC rules and explain the compensation policies under which the Company paid its named executive officers in 2021.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Advisory or Non-Binding Effect of Vote</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Under the Dodd-Frank Act and
the related SEC rules, your vote on this resolution is an advisory or &ldquo;non-binding&rdquo; vote. This means that the purpose of the
vote is to provide stockholders with a method to give their opinion to the Board of Directors about certain issues, like executive compensation.
The Board of Directors is not required by law to take any action in response to the stockholder vote. However, the Board of Directors
values the Company&rsquo;s stockholders' opinions, and the Board of Directors intends to evaluate the results of the&nbsp;vote carefully
when making future decisions regarding compensation of the named executive officers. The Company believes that providing its stockholders
with an advisory vote on its executive compensation program will further enhance communication with stockholders, while also meeting the
Company&rsquo;s obligations under the Dodd-Frank Act and applicable SEC's rules.&nbsp;</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Board of Directors recommends
that stockholders approve the following resolution:</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">RESOLVED, that the compensation
paid to named executive officers, as disclosed in the Company&rsquo;s Proxy Statement for its 2022 Annual Meeting of Stockholders pursuant
to Item 402 of Regulation S-K, including the Compensation Discussion and Analysis, compensation tables and narrative discussion, is hereby
APPROVED.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>The Board of Directors unanimously
recommends a vote &ldquo;FOR&rdquo; approval of the compensation of executive officers as described in this Proxy Statement.</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: -0.7pt"><B>&nbsp;</B></P>


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>COMPENSATION DISCUSSION AND
ANALYSIS</B></P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company is required under
SEC disclosure rules to provide information in this Proxy Statement regarding its compensation program in place for its Chief Executive
Officer, Chief Financial Officer and its three other most highly compensated executive officers. The Company must also provide compensation
information for up to two additional individuals who would have been included but for the fact that they were not executive officers at
the end of the fiscal year. There were no such additional individuals during 2021. This discussion refers to the Company&rsquo;s Chief
Executive Officer, Chief Financial Officer and the three other most highly-compensated executive officers as &ldquo;Named Executive Officers&rdquo;
or &ldquo;NEOs.&rdquo; This discussion should be read in conjunction with the detailed tables and narrative descriptions under &ldquo;Executive
and Director Compensation.&rdquo;</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee is
responsible for formulating and presenting recommendations to the Board of Directors with respect to the compensation of the Company&rsquo;s
NEOs. The Compensation Committee is also responsible for administering the Company&rsquo;s employee benefit plans, including incentive
plans. The Compensation Committee is comprised solely of independent directors.</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee has
established specific pay for performance requirements with significant &ldquo;at-risk&rdquo; compensation components. It emphasizes sustained
multi-year performance in determining incentive compensation, which comprises the majority of CEO compensation. In 2021, approximately
84% of total CEO compensation was comprised of incentive compensation for achieving and exceeding these pre-established requirements for
a multi-year period. Accordingly, most of the CEO compensation is &ldquo;at risk&rdquo; as it is dependent on the achievement of specific
stockholder return, financial performance and other requirements. In addition to achieving specific pay for performance requirements,
both the cash bonus and equity awards are forward looking to motivate further progress toward the long-term financial goals set by the
Board of Directors and published on the Company&rsquo;s website. The Company periodically discloses its long-term strategic plans, financial
goals and guidance in presentations it publicly furnishes to the SEC and makes available on its website (the most recent being available
at <FONT STYLE="color: windowtext">https://investors.thebancorp.com/presentations/default.aspx)</FONT>. They include return on assets
(&ldquo;ROA&rdquo;) and return on equity (&ldquo;ROE&rdquo;). As prior period financial performance requirements were achieved, the Company
updated its website in January 2022 with increased future financial performance requirements. The &ldquo;<B>Balanced Score Card: CEO Performance
Matrix&rdquo;</B> set forth in &ldquo;Determination of Compensation Amounts&rdquo; summarizes the requirements for incentive at-risk compensation
for the CEO. In 2021, the at-risk components of the CEO&rsquo;s total compensation consisted of cash bonus and equity awards and amounted
to $3,851,000, or 84% of total compensation. Base salary of $750,000 comprised approximately 16% of total compensation, which were both
equivalent to 2020 salary and percentage of total compensation. After sustained incremental financial progress in the prior three years,
the CEO had received cash bonus and equity awards totaling $3,906,000 in 2020.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Sustained incremental financial
progress, from Mr. Kozlowski&rsquo;s hire date in 2016 has continued and is reflected in income before tax. Excluding the Company&rsquo;s
$65 million gain on sale <FONT STYLE="color: windowtext">of the Safe Harbor Individual Retirement Account (&ldquo;SHIRA&rdquo;) portfolio
in 2018</FONT>, income before tax increased to $72.5 million in 2019 from $54.8 million in 2018 and $40.4&nbsp;million in 2017. In 2020,
further progress was made toward long term financial goals which were further increased, as income before tax increased to $108.3 million.
In 2021, income before tax amounted to $144.2 million. Budgets, with formal quarterly reports of progress toward financial goals, are
presented to the full Board of Directors which continuously monitors financial performance, to validate incentive compensation. Budget
targets in each year since Mr. Kozlowski was engaged in 2016 have been increased and have been met or exceeded. For 2020, budgeted requirements
were 13.5% for ROE and 1.3% for ROA, compared to actuals of 15% and 1.3%, respectively. In 2021, budgeted respective ROE and ROA of 16%
and 1.6% compared to actuals of 18% and 1.7%.</P>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee believes
that its forward-looking approach of providing cash bonus and equity to motivate future performance has been validated by the above historical
results since Mr. Kozlowski&rsquo;s tenure began in 2016, as income before tax has increased significantly each year under his leadership.
Additionally, the Compensation Committee performs a peer analysis to compare the Company&rsquo;s compensation analysis with its peers.
The Compensation Committee believes that the complexities of the Company&rsquo;s niche lending business and payments businesses are only
partially present in any single peer. Accordingly, peer comparisons are considered with the other factors discussed throughout this presentation.</P>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">In summary, notwithstanding that
the Company exceeded all requirements and metrics for the payment of bonus and equity grants, Mr. Kozlowski&rsquo;s total compensation
in 2018 was kept at 2017 levels as the Compensation Committee monitored financial performance sustainability. Cash bonus and equity increases
in 2019 and 2020 reflected the sustained multi-year financial improvements in 2017, 2018 and 2019. Financial results in 2020 and 2021
showed further improvements in financial performance as detailed throughout this report. Additionally, to address stockholder input, base
salary was lowered from $900,000 for 2018 to $755,000 in 2019 and it was maintained at approximately that lower level in 2020 and 2021.
Further, in 2019, 2020 and 2021, the Compensation Committee allocated a significant portion of equity grants to options instead of restricted
stock units. The salary reduction and maintenance at that lower level and the allocation of a portion of equity grants to options resulted
from stockholder input, as noted in the chart appearing later in this Proxy Statement under the caption <B>&ldquo;Stockholder Input and
Company Actions&rdquo;</B>. The financial results described above and the other elements in the CEO Performance Matrix were significant
reasons why the Compensation Committee decided to substantially increase the CEO&rsquo;s total compensation through increased incentive
compensation and equity compensation in the years from 2019 to 2021.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Compensation Objectives and the Focus of Compensation
Awards</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company&rsquo;s compensation
policies are intended to provide appropriate compensation packages to motivate, reward, attract and retain talented and experienced executive
officers, and support the management succession plan. The policies are also intended to manage the Company&rsquo;s compensation costs.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee believes
that an appropriate compensation program should draw a balance between providing motivation to executive officers while at the same time
effectively controlling compensation costs. Executive officers are compensated at levels to attract and retain highly qualified individuals
and to motivate them to perform in a manner that maximizes corporate performance.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company&rsquo;s executive
compensation program consists of three elements to compensate and motivate its executive officers in line with the Compensation Committee's
objectives described above:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">base salary;</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">cash bonuses; and</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">long-term equity incentives reflected in grants of stock options, restricted stock awards and phantom
units.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The criteria for CEO cash bonuses
and long-term equity incentives are shown in the <B>&ldquo;Balanced Score Card: CEO Performance&rdquo;</B> section. The Compensation Committee
has required sustained multi-year improvements in financial performance, consistent with its financial goals, as a determinant for cash
bonuses and equity awards. This compensation is forward-looking, as motivation to achieve the long-term financial goals on the Company&rsquo;s
website.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Generally, the Compensation Committee
reviews annually the Company&rsquo;s mix of short-term performance incentives versus longer-term incentives. It primarily focuses compensation
on base salary and equity incentives with additional consideration for cash bonuses. The Compensation Committee has not established set
percentages of short-term versus long-term incentives. Instead, it looks to provide a reasonable balance between those incentives and
base salary. The Compensation Committee's policy for allocating between long-term and currently paid compensation is to set base compensation
at levels adequate to attract and retain personnel, while providing incentives to maximize long-term value for the Company and its stockholders.
As discussed in <B>&ldquo;Specific Elements of the Compensation Program,&rdquo;</B> below, the Company provides cash compensation in the
form of base salary to meet competitive salary norms. The Company also provides non-cash equity compensation to&nbsp;align this form of
compensation with stockholder interests and the Company&rsquo;s&nbsp;long-term strategic goals. Cash bonuses provide a shorter-term incentive
which may align with competitive norms, acknowledge and motivate the achievement of individual goals and assist in compensation expense
management. Because of performance generally in years prior to 2017, cash bonuses were not previously paid. As a result of either achieving
or exceeding pre-established financial goals, cash bonuses were subsequently paid to selected named executive officers. See rationales
and conclusions noted in <B>&ldquo;Determination of Compensation Amounts&rdquo;</B>.</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">In order to further confirm its
objectives, the Compensation Committee also &ldquo;benchmarks&rdquo; the Company&rsquo;s compensation programs to a peer group of banking
institutions based upon its review of financial statements and other publicly available data. The level of these institution's total assets
and their regional location are factors the Compensation Committee considers in establishing the peer group. In 2019, the Compensation
Committee added two peers with certain lines of business similar to that of the Company: Green Dot Corporation (prepaid card accounts)
and Axos Financial, Inc. (specialized banking products). Additionally, the Compensation Committee&rsquo;s peer group includes other banks
supplied by McLagan, a company which provides salary databases for peer comparisons. This expanded peer group of 25 banks provides a wider
peer group on which to assess the Company&rsquo;s performance, especially ROA and ROE. The peer group is also used to compare the CEO&rsquo;s
compensation to peers. Although considerable knowledge about the competitiveness of the Company&rsquo;s compensation programs is gained
through the benchmarking process, the Compensation Committee recognizes that each financial institution is unique and that significant
differences in executive compensation practices exist. The Compensation Committee also considered the added complexity and earnings stream
resulting from the payments businesses unique to the Company. For instance, while Green Dot Corporation and Meta Financial Group Inc.
also engaged in certain payments businesses, they did not engage in the specialized SBLOC and SBA businesses. While the Compensation Committee
considered CEO salaries in the whole 25 bank peer group, it concluded that the following banks had the most comparable lines of business
and related complexities and would be the most relevant: Axos Financial, Inc., Green Dot Corporation, Live Oak Bancshares Inc., Meta Financial
Group Inc. and TriState Holdings Inc. After the additions discussed above, the expanded peer group is comprised of the following banks.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt; width: 52%">Axos Financial, Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; width: 48%; padding-right: 5.4pt; padding-left: 30pt">Meta Financial Group Inc.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Brookline Bancorp Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">OceanFirst Financial Corp.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Bryn Mawr Bank Corp. </TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Peapack-Gladstone Financial</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Camden National Corp.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Provident Financial Services</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">ConnectOne Bancorp, Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">S&amp;T Bancorp Inc.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Eagle Bancorp Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Sandy Spring Bancorp Inc.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Financial Institutions Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Tompkins Financial Corporation</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">First Commonwealth Financial</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">TriState Capital Holdings Inc.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Flushing Financial Corp.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">TrustCo Bank Corp NY</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Green Dot Corporation</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Univest Corp. of Pennsylvania</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Lakeland Bancorp</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Washington Trust Bancorp Inc.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Live Oak Bancshares Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">WSFS Financial Corp.</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 5pt; text-indent: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 30pt">Meridian Bancorp Inc.</TD>
    <TD STYLE="padding-bottom: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The median asset size of the
peer group was approximately $7.7 billion at December 31, 2020 and Bancorp&rsquo;s asset size at December 31, 2020 was $6.3 billion. The
range of revenues for the peer group was $170-$640 million during 2020 and Bancorp&rsquo;s revenues for 2020 were $279 million.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee believes
that the combination of short and long-term compensation that the Company provides fulfills its objectives of providing a competitive
level of compensation and benefits in order to attract and retain key executives. The Compensation Committee also believes that the Company&rsquo;s
incentive programs appropriately motivate performance to achieve sustained profitability and growth to achieve its financial goals while
at the same time allowing the Company to maintain controls over its compensation costs.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; 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="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee did
not use an outside compensation consultant in assessing executive and director compensation for 2021. However, in November 2021, the Compensation
Committee engaged the compensation consulting firm of Pay Governance LLC (&ldquo;Pay Governance&rdquo;) to advise it on whether the Company&rsquo;s
peer group used as a basis for comparison of the Company&rsquo;s compensation needed to be modified to reflect developments in the Company&rsquo;s
business and whether the Company&rsquo;s director compensation for 2022 should be modified. Pay Governance has not yet completed its analysis
and reported back to the Compensation Committee as of the finalization of this Proxy. In engaging Pay Governance, the Compensation Committee
determined that Pay Governance was independent in accordance with SEC rules.</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee ordinarily
determines compensation amounts for individual NEOs for 12-month periods. The Chief Executive Officer typically provides the Compensation
Committee with key elements of both the Company&rsquo;s and the NEOs' (other than the Chief Executive Officer's) performance as well as
recommendations to assist it in determining compensation levels. The Compensation Committee determines the amount of equity awards and
cash bonuses, if any, at its discretion and reviews the Company&rsquo;s performance during the fourth quarter of each year and at interim
periods at its discretion. With the full Board of Directors, the Compensation Committee compares financial performance to the financial
goals published on the Company&rsquo;s website on a quarterly basis.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Specific Elements of the Compensation Program</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Below are the specific elements
of the Company&rsquo;s compensation program for named executive officers. A&nbsp;chart showing the percentage of each component to the
total of salary, cash bonus and equity in 2021 is&nbsp;as&nbsp;follows. The total column in the table directly below includes the dollar
amount of salary, which is shown in the second table below.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 19%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>Name</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 30%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>Principal Position</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>Salary %</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>&nbsp;2021 Cash Bonus ($)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>Cash Bonus %</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>&nbsp;2021 Equity Grant ($)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>Equity Grant %</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt"><B>Total ($)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt"></FONT></P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">Damian Kozlowski</FONT></P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Chief Executive Officer</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">16</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">2,250,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">49</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,601,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">35</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">4,601,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt"></FONT></P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">Paul Frenkiel</FONT></P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Chief Financial Officer</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">44</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">350,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">39</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">150,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">17</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">900,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt"></FONT></P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">Mark Connolly</FONT></P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Chief Credit Officer</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">32</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">595,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">48</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">255,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">20</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,250,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt"></FONT></P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">Gregor Garry</FONT></P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">Chief Operating Officer</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">36</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">490,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">45</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">210,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">19</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,100,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt"></FONT></P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                               <P STYLE="margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">Thomas Pareigat</FONT></P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 9pt">General Counsel</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">42</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">385,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">41</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">165,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">17</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">950,000</FONT></TD></TR>
</TABLE>

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


<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I></I>Base Salary. The Company believes
that it is important to maintain a competitive salary structure to retain its existing qualified executive officers which includes base
pay consistent with similarly situated executives at similarly sized banking institutions. The Company believes that a key objective
of its salary structure is to maintain reasonable &ldquo;fixed&rdquo; compensation costs by targeting base salaries at a competitive
average, considering&nbsp;the Company&rsquo;s and the individual's performance. Base salaries are paid to executive officers on a bi-weekly
basis and are generally reviewed annually by the Compensation Committee as described in &ldquo;Compensation Methodology,&rdquo; above.
Base pay change, if any, is normally determined after considering:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the executive's total itemized compensation for the prior year;</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the executive's current base pay position relative to the peer group;</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the Company&rsquo;s performance and the individual's contribution to that performance for a sustained
period;</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the impact of the complexity of certain of the Company&rsquo;s payments and specialized lending businesses
on the individual&rsquo;s responsibilities; and</TD></TR></TABLE>
<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -0.25in">&nbsp;</P>

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

<!-- Field: Page; Sequence: 27 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">national and regional economic conditions, their effect upon the Company and how the executive has dealt
with them within his or her area of responsibility.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The CEO&rsquo;s base salary was
lowered from $900,000 in 2018 to $755,000 in 2019 reflecting an adjustment based on the median of the Compensation Committee&rsquo;s peer
group and stockholder input. It was further lowered to $750,000 in 2020 and maintained at that level in 2021. For 2021, the base salary
of Messrs. Frenkiel, Garry and Pareigat were maintained at the prior year levels based upon a review of peer data. Mr. Connolly received
a 14% increase based upon peer data. The peer data utilized was provided by McLagan, a company which provides salary databases for peer
comparisons. The data was drawn from regional and community banks. A chart showing the changes in base salary in 2021 compared to 2020
detailing the ranges in the peer data utilized is as follows.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 19%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Name </B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 25%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Principal Position</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Base Salary 2020 ($)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Base Salary 2021 ($)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Percentage Increase</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; vertical-align: top; width: 20%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0pt"><B>Peer <BR>
Range of <BR>
Base Salary ($) (a)</B></P></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0pt; margin-bottom: 0pt">Damian Kozlowski</P></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Chief Executive Officer</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">750,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">750,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> &mdash;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(b)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 20pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Paul Frenkiel</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Chief Financial Officer</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&mdash;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">412,000-472,000</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0pt; margin-bottom: 0pt">Mark Connolly</P></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Chief Credit Officer</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">350,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">14%</TD>
    <TD STYLE="text-align: center; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0pt"></P>
        <P STYLE="margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0pt">412,000-532,000</P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 25pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Gregor Garry</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Chief Operating Officer</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&mdash;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">392,000-419,000</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0pt; margin-bottom: 0pt">Thomas Pareigat</P></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">General Counsel</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&mdash;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0pt"></P>
        <P STYLE="margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; text-align: center; margin-bottom: 0pt">310,000-454,000</P></TD></TR></TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>Peer ranges reflect 50<SUP>th</SUP> to 90<SUP>th</SUP> percentile for base salary.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>Mr. Kozlowski&rsquo;s salary continued to be maintained at its 2019 level.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Cash Bonus.</I> In evaluating
providing a cash bonus to an NEO, the Compensation Committee primarily focuses on the sustained contributions made to the Company by the
NEO under consideration. The Chief Executive Officer makes recommendations to the Compensation Committee with respect to annual bonuses
for the other named executive officers, based on their respective sustained contributions to the performance of the areas for which they
are responsible. Because of improved financial performance, cash bonuses have been awarded since 2017. While the Compensation Committee
examines pre-established requirements in determining whether to pay a cash bonus to any NEO and the amount of such bonus, the Compensation
Committee has determined it is in the Company&rsquo;s best interest to retain full discretion with respect to these cash bonuses to retain
flexibility as opposed to requiring set payments for various levels of satisfying these requirements.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The primary factor in the CEO
cash bonus award was achieving or exceeding pre-established requirements on a sustained basis as detailed in the <B>&ldquo;Balanced Score
Card: CEO Performance Matrix</B>&rdquo; under &ldquo;Determination of Compensation Amounts&rdquo;. Sustained multi-year financial performance
and achievement of pre-determined financial performance goals are central to compensation decisions. Each of the pre-established criteria
as shown in that matrix was determined to have been exceeded. The Compensation Committee also considered the cash bonus as a percentage
of base salary. For the Chief Executive Officer, the 2021 cash bonus was $2,250,000 compared to $1,650,000 in 2020. Cash bonus represented
3x base salary in 2021, compared to 2.2x in the prior year. The increases reflected the improved financial performance of the Company
which had been sustained for a multi-year period. Please see the section titled <B>&ldquo;Determination of Compensation Amounts&rdquo;
</B>and the chart entitled <B>&ldquo;Balanced Score Card: CEO Performance Matrix&rdquo;</B> for the performance metrics for a cash bonus
for the CEO. Please see the chart and footnotes under <B>&ldquo;Other NEO Compensation&rdquo;</B>, which summarize the metrics and other
factors for a cash bonus for the other NEOs.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Long-Term Equity Incentive
Compensation.</I> Long-term equity incentives in 2021 were provided to Named Executive Officers through the Company&rsquo;s 2020 Equity
Incentive Plan (the &ldquo;2020 Plan&rdquo;). The 2020 Plan permits the grant of stock options, restricted stock awards, stock appreciation
rights and phantom units. Stock options are granted to NEOs at exercise prices equal to the then current market price of the Common Shares.
Awards under the 2020 Plan are granted based on the Company&rsquo;s financial performance and each executive's contribution to such performance.
Overall, the objective of long-term equity incentive compensation awards is to tie the interests of named executive officers directly
to increases in stockholder value.&nbsp;The criteria utilized for each NEO is that which is used for cash bonuses as discussed directly
above under &ldquo;Cash Bonus&rdquo; and presented in a chart under &ldquo;Other NEO Compensation&rdquo;. In 2021, to balance the short-term
incentive of cash bonus, equity grants were granted equal in value to 30% of the total of cash bonus and equity for all NEOs except Mr.
Kozlowski whose percentage was 25%. Additionally, Mr. Kozlowski received 100,000 stock options, which were valued on the day of grant
under the Black-Scholes method at $8.51 each. A significant amount of equity compensation for Mr. Kozlowski has been awarded in the form
of stock options, such that he benefits only to the extent of further increases in share price. In 2020 a greater proportion of his total
compensation was awarded as stock compensation to increase equity ownership to better align with shareholders. Upon the accumulation of
a significant equity position, the proportion of cash bonus was increased in 2021 compensation.</P>

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

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

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">As a financial holding company
regulated by the Federal Reserve Bank, which has a subsidiary bank regulated by the FDIC and the State of Delaware, the Company adheres
to defined risk guidelines, practices and controls to ensure the safety and soundness of the institution. The Company&rsquo;s management
and Board of Directors conduct regular reviews of its business to ensure that it is operating within appropriate regulatory guidelines
and with appropriate practices, supplemented by its internal audit function.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">On an annual basis, the Compensation
Committee reviews the Company&rsquo;s compensation practices to determine that (1) base salaries are appropriately competitive in light
of overall compensation; (2) the Company&rsquo;s use of equity grants provides appropriate long term incentives; (3) the Company offered
an appropriate mix of cash and equity compensation to facilitate the alignment of the interests of the Company&rsquo;s senior executives
with those of the Company and its stockholders; and&nbsp;(4) cash bonuses are balanced with other compensation to incent financial performance
and safety and soundness while managing compensation expense. In light of regulatory releases, the ultimate goal of the review is to assess
the design, governance, policies and procedures of the Company&rsquo;s compensation structure to ensure that, as designed and executed,
it does not motivate excessive risk-taking that could adversely impact the long-term value of the Company.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">After conducting the review,
the Compensation Committee concluded that the Company&rsquo;s incentive programs do not motivate or encourage unnecessary or excessive
risk-taking. This conclusion reflected a review of the Company&rsquo;s structure to determine that credit and other new business approvals
are independent of new business efforts. Other factors, such as fostering an appropriate risk management culture, were also considered.
The Company will continue to review and monitor its compensation programs to ensure that they continue to not motivate excessive risk-taking
that could adversely impact the long-term value of the Company.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Tax and Accounting Considerations</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company claims tax deductions
in connection with stock awards under its equity compensation plans in an amount equal to the ordinary income reported to the I.R.S. for
the recipient. The amount reported as ordinary income to the recipient, and deducted by the Company, is based on the stock price at the
date stock options are exercised or restricted stock vests, subject to a $1 million limit for each named executive officer. While the
Compensation Committee considers the deductibility of compensation as one factor in determining executive compensation, the Compensation
Committee retains the discretion to award and pay compensation that is not deductible as it believes that it is in the best interests
of our stockholders to maintain flexibility in our approach to executive compensation and to structure a program that we consider to be
the most effective in attracting, motivating and retaining key employees.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The compensation that we pay
to our executive officers is expensed in our financial statements as required by U.S. generally accepted accounting principles. As one
of many factors, the Compensation Committee considers the financial statement impact in determining the amount of, and allocation among
the elements of, compensation. Stock-based compensation is accounted for as required under Financial Accounting Standards Board Accounting
Standards Codification Topic 718. Timing of equity compensation is at the discretion of the Compensation Committee.</P>

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

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

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

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Pay for Performance and &ldquo;At-Risk&rdquo;
Compensation. </I>The Compensation Committee has established specific pay for performance requirements which must be achieved before incentive
compensation, which comprises the majority of CEO compensation, is awarded. In 2021, approximately 84% of total CEO compensation was comprised
of incentive compensation for achieving and exceeding these pre-established requirements. Accordingly, most of the CEO compensation is
&ldquo;at risk&rdquo; as it is dependent on the achievement of specific stockholder return, financial performance and other requirements.
The financial goals have been established in advance as part of the budgeting process. As prior period financial performance requirements
were achieved, the website has been updated for future financial performance requirements, which have been further increased. The <B>&ldquo;Balanced
Score Card: CEO Performance Matrix&rdquo;</B> below summarizes the requirements for incentive at-risk compensation.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Forward-Looking</I>. In addition
to achieving specific pay for performance requirements and sustained financial performance, both the cash bonus and equity awards are
forward looking to motivate further progress toward the long-term financial goals set by the Board of Directors and published on the Company&rsquo;s
website. As part of the evaluation process, sustained multi-year financial progress toward those long-term goals is emphasized. In 2021,
$2,250,000 for cash bonus and $1,601,000 for equity compensation were awarded, which reflected multi-year sustained financial improvements
in 2020, 2019 and 2018. Excluding the Company&rsquo;s $65 million gain on sale <FONT STYLE="color: windowtext">of the Safe Harbor Individual
Retirement Account (SHIRA) portfolio in 2018</FONT>, income before tax increased to $72.5 million in 2019 from $54.8 million in 2018 and
$40.4&nbsp;million in 2017. In 2020, further progress was made toward long term financial goals which were further increased, as income
before tax increased to $108.3 million. In 2021, income before tax amounted to $144.2 million. Budgets, with formal quarterly reports
of progress toward financial goals, are presented to the full Board of Directors reflecting a continuous monitoring of financial performance,
to validate incentive compensation<B>. </B>Budget targets in each year since Mr. Kozlowski was engaged have been met or exceeded. For
2020, budgeted requirements were 13.5% for ROE and 1.3% for ROA, compared to actuals of 15% and 1.3%, respectively. In 2021, budgeted
respective ROE and ROA of 16% and 1.6% compared to actuals of 18% and 1.7%.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee believes
that its forward-looking approach of providing cash bonus and equity to motivate future performance, has been validated by the above historical
results since Mr. Kozlowski&rsquo;s 2016 tenure began. Additionally, the Compensation Committee performs a peer analysis to compare the
Company&rsquo;s compensation analysis with its peers. The Compensation Committee believes that the complexities of the Company&rsquo;s
niche lending businesses and payments businesses are only partially present in any single peer. Accordingly, peer comparisons are considered
with the other factors noted above and in the &ldquo;Balanced Scorecard: CEO Performance Matrix&rdquo; below.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><I>Financial Performance.</I>
The Compensation Committee monitors financial performance. In addition to the improvements in income noted above, other recent financial
highlights are as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Total year-end SBLOC (securities-backed lines of credit) and IBLOC (insurance-backed lines of credit) loans increased 56% year over
year to $1.6 billion at December 31, 2020 after increasing 30% in the comparable prior year period. At December 31, 2021, SBLOC, IBLOC
and new registered investment advisor financing balances had increased 28%, to $2.05 billion year over year.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Small Business Loans, including those held at fair value, increased 14% year over year to $654 million at December 31, 2020, after
increasing 22% in the comparable prior year period. At December 31, 2021, balances had increased 6% year over year, to $696 million. These
percentages and amounts exclude short-term Payroll Protection Program (PPP) loans which amounted to $165.7 million and $44.8 million,
respectively at December 31, 2020 and 2021.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>At December 31, 2020, total loan balances including loans at fair value, were increased by 49%. In 2021, total loans including loans
at fair value increased 14%.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD>
    <TD>The average rate on deposits amounted to .25% in 2020. In 2021, that rate was .10%.</TD></TR></TABLE>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>Metrics and other criteria</B><I>.</I>
An analysis of the metrics and other criteria for the payment of CEO compensation is as follows.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B><U>Balanced Score Card: CEO
Performance Matrix</U></B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</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: 21%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 34%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><B>Pre-established requirements for incentive compensation</B></TD>
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Did not meet</B></TD>
    <TD STYLE="width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Substantially met</B></TD>
    <TD STYLE="width: 15%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Exceeded</B></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Financial &amp; Strategic Performance </TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Financial Metrics to Budget <SUP>(a)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Strategic Agenda <SUP>(b)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Integrated Business Plan Objectives <SUP>(c)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Stock Performance </TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Competitor Peer Group <SUP>(d)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Dow Jones U.S. Bank Index <SUP>(d)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">KBW Bank Index <SUP>(d)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Enterprise Risk Management </TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Credit Risk Management <SUP>(e)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Compliance Risk Management <SUP>(f)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Regulatory <SUP>(f)</SUP></TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">x</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(a)</TD><TD>Financial Metrics to Budget: For 2020, budgeted requirements were 13.5% for ROE and 1.3% for ROA, compared to actuals of 15% and 1.3%,
respectively. In 2021, budgeted respective ROE and ROA of 16% and 1.6% compared to actuals of 18% and 1.7%.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(b)</TD><TD>Strategic Agenda: The strategic agenda included specific strategic objectives which are required to be met. Those objectives and related
performance are as follows. (i) Enhance the commercial lending platform: Operational capabilities were improved to accommodate growth.
(ii) Establish the registered investment advisor financing program: The program was established and went live by year-end 2020. (iii)&nbsp;Build
new payments capabilities: New products were added to broaden client offerings. (iv) Elevate the Bancorp Brand: Enhanced marketing plans
were implemented for specific lines of business.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(c)</TD><TD>Integrated Business Plan Objectives: As part of the budget process, each line of business establishes goals which supported the attainment
of companywide financial goals as detailed above. Actual results are compared to each line of business&rsquo;s pre-established goals and
reported to the Board of Directors quarterly. The specific line of business goals for all six operating departments were concluded to
have been exceeded, as the overall financial requirements had been exceeded. However, in addition to revenue goals, certain of the 53
goals related to departmental goals warranted review. Upon such review, it was concluded that of the 53 departmental goals for 2020, 46
were concluded to have been achieved, which exceeded expectations.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(d)</TD><TD>Stock Performance: In the period beginning January 1, 2018 and ended October 15, 2020, Bancorp (stock symbol TBBK) stock performance
exceeded its designated peer group consisting of Meta, Live Oak, Tri-State, Green Dot and Axos, and exceeded both the Dow Jones U.S Bank
Index and the KBW Bank Index. While Bancorp decreased 3% over that period, those peers decreased 9% and the Dow Jones and KBW indices
decreased 32% and 27%, respectively. In the five year period ended December 31, 2021, Bancorp increased 222% compared to a 44% increase
in the KBW index.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(e)</TD><TD>Credit Risk and Loan Growth Management: Year-end 2020 total loans including loans at fair value increased 49% over the prior year-end
and further validated the already established sustained multi-year growth history. Year-end 2021 total loans including loans at fair value,
increased 14% over the prior year-end. Credit risk was deemed acceptable as charge-offs, for a sustained multi-year period, remained at
relatively low levels. Results met or exceeded the budget, and the factors above resulted in an exceeded rating.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(f)</TD><TD>Compliance Risk Management and Regulatory: The Board of Directors monitors compliance issues at its monthly meetings. Significant
multi-year progress in addressing FDIC regulatory issues culminated in the lifting of consent orders. Improvements in compliance controls
continue to be sustained and warranted an exceeded rating.</TD></TR></TABLE>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Stockholder Input and Company Actions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 22.5pt 0pt 63pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Company&rsquo;s management
meets with stockholders to obtain feedback on company performance and any other matters of interest to stockholders. The Chief Financial
Officer and Chief Executive Officer are the Company&rsquo;s primary representatives who meet with investors. Mr. Frenkiel addressed executive
compensation with stockholders. In 2021, these officers met with stockholders owning more than 50% of the Common Shares as they had in
previous years. Related stockholder feedback from prior meetings had resulted in structural changes to the CEO&rsquo;s compensation determination
and other changes which were sustained. A summary of the stockholder input and resulting actions are as follows:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0.5in"><B>Stockholder Input</B></TD>
    <TD STYLE="width: 64%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Company Actions</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Prior to 2019, the CEO&rsquo;s base salary exceeded
    the peer median. A lower base salary better aligns pay for performance which places greater emphasis on incentive compensation and less
    emphasis on base salary.</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">In 2019, the CEO&rsquo;s base salary was $755,000, compared to $900,000 in 2018. In 2020, salary was set at $750,000 and maintained at that level in 2021. </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">The CEO&rsquo;s equity awards upon his hire included
    stock options, but 2017 and 2018 grants consisted solely of restricted stock units. Stock options provide incentive for pay for performance,
    as their value equals the increase in stock price after the grant&nbsp;date.</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">In 2019 and 2020, a significant allocation of equity compensation granted was awarded as stock options, a practice which continued in 2021.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Publicizing long-term targets on the Company&rsquo;s
    website, creates transparency and accountability for pay for performance.</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Long-term financial and other goals are presented
    on the Company&rsquo;s website: https://investors.thebancorp.com/presentations/default.aspx</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Comparisons to peers on key financial metrics provide
    a tool to help determine that financial goals adequately reward stockholders.</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">The Compensation Committee added peer comparisons for ROA and ROE to its decisioning parameters. </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Some companies use grids or assign percentages to
    their various pre-established metrics which weight those factors in incentive compensation awards.</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">The Compensation Committee required that the Company
    achieve pre-established metrics for the award of incentive compensation. The related grid precedes this section under &ldquo;Balanced
    Score Card: CEO Performance Matrix&rdquo;. The Compensation Committee determined that grid component requirements have been exceeded in
    every year beginning in 2019.</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Other Considerations Impacting CEO Compensation</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. Kozlowski was named the Company&rsquo;s
CEO in June 2016, a year in which the Company had significant regulatory requirements outstanding, and in which it incurred losses. He
was engaged because of his proven experience in financial turnaround, improving compliance with regulatory requirements, and reducing
financial and regulatory risk, while sustaining financial performance. He was charged with engineering a financial turnaround from the
losses previously incurred. The Company has since exceeded the required financial targets set by the Board of Directors and which were
based upon the budget. Excluding the $65 million gain on sale of the safe harbor in 2018, income before tax increased to $72.5 million
in 2019 from $54.8 million in 2018 and $40.4&nbsp;million in 2017. In 2020, further progress was made toward long term financial goals
which were further increased, as income before tax increased to $108.3 million. In 2021, income before tax amounted to $144.2 million.
The Compensation Committee considered earnings results for the above multi-year period in concluding that the turn-around had exceeded
expectations. The Board of Directors including the Compensation Committee has monitored the implementation of a unique software system
for BSA, as well as other infrastructure improvements. These include the maturation of a Center of Excellence for BSA and related regulatory
requirements. The system and infrastructure have been largely implemented and enhancements continue to be made. Based on its monitoring,
these improvements were concluded to have been sustained. Additionally, lower charge-off lending lines have grown significantly, with
total loans including loans at fair value increasing 49% at year-end 2020 over the prior year end. In 2021, loan growth continued, and
total loans including loans at fair value were 14% higher than the prior year-end. In addition to the key areas set forth above, under
the oversight of the CEO, new sources of revenue, including the registered investment advisor financing program were initiated, operational
capabilities were improved to accommodate growth, new payments capabilities were added, and enhanced marketing plans were implemented
for specific lines of business.</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; text-indent: 0.5in; margin-right: 0; margin-left: 0">A graphic representation of
income before taxes, in thousands, shows the improvement in income from 2016, with data points noted in the preceding paragraph.</P>

<P STYLE="margin-top: 0pt; text-align: center; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt">&nbsp;<IMG SRC="graphpg29.jpg" ALT="" STYLE="height: 264px; width: 450px"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 17%">&nbsp;</TD>
  <TD STYLE="width: 67%"><FONT STYLE="font-size: 9pt">*Continuing Operations</FONT></TD>
  <TD STYLE="width: 16%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
  <TD><FONT STYLE="font-size: 9pt">**2018 excludes $65 million gain on sale of Safe Harbor IRA. Total income before income taxes for
  2018 including the Safe Harbor IRA sale was $119,781</FONT></TD>
  <TD>&nbsp;</TD></TR>
</TABLE>

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

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


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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following factors impact
the Compensation Committee&rsquo;s determination of the amounts of cash bonus and equity awards for pay for performance for the CEO:</P>

<P STYLE="margin: 0pt 0 0pt 40.5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">1.</TD><TD><I>Sustaining Financial Performance Validated by Pre-established Financial Goals </I></TD></TR></TABLE>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">In determining the Chief Executive Officer&rsquo;s
compensation, the Compensation Committee established specific,<BR>
pre-set financial goals. See &ldquo;Balanced Score Card: CEO Performance Matrix&rdquo; above. These goals were achieved sooner than expected
and long-term goals were increased and updated on the Company&rsquo;s website in January 2022. Mr. Kozlowski has maintained a consistent
record of achieving and exceeding these goals since he joined the Company in June 2016. After sustained financial improvement, and exceeding
pre-set financial and other targets, cash bonus and equity compensation were increased in 2020, when total compensation amounted to $4,665,714.
In 2021 total compensation amounted to $4,610,714.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">2.</TD><TD><I>Performance versus Peers</I></TD></TR></TABLE>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">The Compensation Committee refined its peer group
in 2019 as detailed under &ldquo;Compensation Objectives and the Focus of Compensation Awards&rdquo; to consist of 25 banks including
its most comparable peer group consisting of Axos, Green Dot, Tri-State, Meta and Live Oak. Peer averages for ROA, ROE, net interest margin
and stockholder return were exceeded.</P>

<P STYLE="margin: 0pt 0 0pt 58.5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">3.</TD><TD><I>Comparison of CEO Total Compensation to Peers</I></TD></TR></TABLE>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">The compensation committee considered the CEO compensation
of Axos, Green Dot, Tri-State, Meta and Live Oak, the group it considered Bancorp&rsquo;s most comparable peers. The CEO compensation
for those banks ranged from $511,000 to $6.1 million for 2019. In 2020, the total compensation for those peers ranged from $821,000 to
$4.9&nbsp;million, with one peer at $15.8 million. In 2020, Mr. Kozlowski&rsquo;s total compensation was $4.7 million, which was maintained
at approximately that level in 2021. As a result of the steady increases in income before taxes, increases in ROA and ROE and stock performance,
the committee concluded that Mr. Kozlowski&rsquo;s compensation should be toward the higher end of the peer group.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">4.</TD><TD><I>Other Goals</I></TD></TR></TABLE>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">In addition to pre-established financial requirements
and related performance comparisons with peer groups, the Board of Directors pre-established other goals in the form of a strategic agenda.
The strategic agenda included specific strategic objectives which are required to be met. Those objectives and related performance are
as follows. (i) Enhance the commercial lending platform: Operational capabilities were improved to accommodate growth. (ii)&nbsp;Establish
the registered investment advisor financing program: The program was established and went live by year-end 2020. (iii)&nbsp;Build new
payments capabilities: New products were added to broaden client offerings. (iv)&nbsp;Elevate the Bancorp Brand: Enhanced marketing plans
were implemented for specific lines of business.</P>

<P STYLE="margin: 0pt 0 0pt 40.5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">5.</TD><TD><I>Risk Considerations</I></TD></TR></TABLE>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">The Compensation Committee viewed the Board of Director&rsquo;s
financial and other goals in tandem with the institution&rsquo;s risk profile. For financial performance especially, levels of risk required
ongoing consideration so as not to incentivize excessive risk taking. Accordingly, specific percentages of additional compensation were
not assigned to specific measures of performance. Instead, risk would be considered as part of a balanced scorecard approach. Upon its
review, the Compensation Committee determined that risk had been reduced, while financial performance had been significantly improved.
Significant reductions in higher risk discontinued operations loans had been exceeded by growth in lower credit loss lines of business
such as securities-backed lines of credit. A significant component of the improvement in financial performance resulted from expense management
which also had been demonstrated not to result in additional risk. Accordingly, risk had been reduced, while financial performance had
been significantly improved over a sustained period.</P>

<P STYLE="margin: 0pt 0 0pt 40.5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">All five factors above supported
increased compensation levels. All the pre-established financial goals were either achieved or significantly exceeded while risk was decreased.
Pre-established strategic, non-quantifiable goals, which would impact financial performance in the future were all either met or showed
expected progress. The Compensation Committee received frequent updates from Board subcommittees and other reporting to monitor the regulatory
related and other goals to reach this conclusion.</P>

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


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

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

<P STYLE="margin: 0pt 0 0pt 4.5pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 4.3pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">A chart of NEO compensation
is as follows: The footnotes to the chart list the performance requirements which must be sustained for cash bonus and equity grants.</P>

<P STYLE="margin: 0pt 0 0pt 4.3pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 21%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Name </B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 28%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Principal Position</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Base Salary 2021 ($)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2021 Cash Bonus ($)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top; width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>% of Base Salary</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2021 Equity Grant ($)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>% of Base Salary</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Damian Kozlowski </TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Chief Executive Officer</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.35pt; padding-left: 5.4pt; text-align: center">750,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2.9pt; padding-left: 5.4pt; text-align: center">2,250,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">300%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1,601,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">213%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Paul Frenkiel <SUP>(1)</SUP></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Chief Financial Officer</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.35pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2.9pt; padding-left: 5.4pt; text-align: center">350,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">88%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">150,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">38%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Mark Connolly <SUP>(2)</SUP></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Chief Credit Officer</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.35pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2.9pt; padding-left: 5.4pt; text-align: center">595,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">149%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">255,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">64%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Gregor Garry <SUP>(3)</SUP></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Chief Operating Officer </TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.35pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2.9pt; padding-left: 5.4pt; text-align: center">490,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">123%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">210,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">53%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">Thomas Pareigat <SUP>(4)</SUP></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">General Counsel</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.35pt; padding-left: 5.4pt; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2.9pt; padding-left: 5.4pt; text-align: center">385,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">96%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">165,000</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">41%</TD></TR></TABLE>


<P STYLE="margin: 0pt 0 0pt 4.3pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>For the Chief Financial Officer, Paul Frenkiel, the cash bonus of $350,000 in 2021, compared to $220,000 in 2020 and $125,000 in 2019,
and was 88% of his base salary. Mr. Frenkiel&rsquo;s responsibilities include all financial functions of the Company, including supporting
each line of business in managing their financial operations. The increased awards reflected the impact of those financial functions on
the sustained improved financial performance of the Company. Additionally, Mr. Frenkiel is responsible for the investment portfolio which
has consistently ranked in the upper quartile of peers. The upper quartile peer ranking requirement was based on the yields reported in
the Uniform Bank Performance Report for FDIC insured banks.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>For the Head of Credit Markets and Chief Credit Officer, Mark Connolly, the cash bonus of $595,000 in 2021, compared to $412,500 in
2020 and $300,000 in 2019, and was 149% of his base salary. Mr.&nbsp;Connolly oversees all lending operations and is also responsible
for the disposition of the balance of discontinued operations to maximize stockholder value. Under Mr. Connolly&rsquo;s leadership, loan
revenues have continued their consistent increases and amounted to $193 million in 2021 from $171 million in 2020, $127 million in 2019
and $95&nbsp;million in 2018. In 2020, total loan balances including loans at fair value, were increased by 49%. In 2021, total loans
including loans at fair value increased 14%. Additionally, discontinued assets were reduced to $113.7 million at December 31, 2020 from
$140.7 million at year end 2019. At December 31, 2021 discontinued assets had been reduced to $82.2 million.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>For the Chief Operating Officer, Gregor Garry, the cash bonus of $490,000 in 2021, compared to $220,000 in 2020 and $100,000 in 2019,
and was 123% of his base salary. Mr. Garry is responsible for Operations, Financial Crimes Risk Management, Enterprise Risk Management,
and Consumer Compliance. Under his leadership, the &ldquo;Center of Excellence&rdquo; for financial crimes continues to satisfactorily
address the increased oversight requirements of increased transaction volumes and new products. Additionally, he has overseen the implementation
of other operational capabilities to address those increased volumes and new products.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>For the General Counsel, Thomas Pareigat, the cash bonus of $385,000 in 2021, compared to $275,000 in 2020 and $150,000 in 2019, and
was 96% of base salary. Mr. Pareigat&rsquo;s primary responsibilities include oversight, management and resolution of all legal matters
affecting the Company and its subsidiaries. These responsibilities include legal aspects of regulatory issues. Mr. Pareigat reports on
legal matters to the Board of Directors at its monthly meetings and provides support to committees of the Board of Directors. The Board
of Directors includes several attorneys who can assess Mr. Pareigat&rsquo;s performance. Mr. Pareigat also manages a legal staff which
is charged with minimizing external legal costs. Mr.&nbsp;Pareigat&rsquo;s performance was determined to exceed expectations in these
areas.</TD></TR></TABLE>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Impact of Share Repurchases on Compensation</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">In 2021, the Company began repurchasing
shares for a total of $40.0 million of such purchases, which amounted to less than 40% of net income for that year. Such repurchases reduce
equity, which increases ROE, which is one of the elements of the &ldquo;Balanced Scorecard: CEO Performance Matrix&rdquo;. However, the
percentage of earnings returned to stockholders by such repurchases reflects the maintenance of equity levels necessary to retain well-capitalized
capital ratios, which continue to be exceeded. Accordingly, the Compensation Committee did not significantly weight share repurchases
in its compensation determinations.</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 31.5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee also
oversees an annual compensation evaluation of the Board of Directors. The Company&rsquo;s peer group of twenty-five institutions was evaluated
to confirm that Board of Director compensation fell within appropriate peer ranges. The Compensation Committee granted equity with a market
value at date of grant of approximately $90,000 to independent directors in 2021, to align their interests with other stockholders. The
$90,000 was added to cash compensation and that total was compared to the survey of other institutions. Independent Directors also received
an annual fee of $75,000 and are paid separately for committee meetings. See <B>&ldquo;Director Compensation Table.&rdquo;</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.25in">&nbsp;</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee reiterated
its previously-approved compensation recoupment policy on December 2, 2021 as follows:</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The compensation recoupment policy
applies if the Company is required to provide an accounting restatement for any of the prior three fiscal years for which audited financial
statements have been completed, due to material noncompliance with any financial reporting requirement under the federal securities laws.
In the event of such a restatement, the Compensation Committee will determine, in its discretion, whether (i) NEOs, regardless of whether
they were directly responsible for the restatement, or (ii) all other recipients of cash-based or equity-based incentive compensation
who were directly responsible for the restatement, have received any cash-based or<BR>
equity-based incentive compensation that they would not have been entitled to receive under the restated results. In&nbsp;the event of
any future financial restatements, the Audit Committee will evaluate the facts and formally consider whether any compensation recoupment
(claw back) from any Company officer is warranted.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee then
will take such actions as it deems necessary or appropriate, depending on all the facts and circumstances as determined during its review,
including (i) the recoupment of all or part of any such excess compensation, (ii) recommending disciplinary actions to the Board of Directors,
up to and including termination, and/or (iii) the pursuit of other available remedies.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-align: center">COMPENSATION COMMITTEE REPORT</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Compensation Committee has
reviewed and discussed the Compensation Discussion and Analysis above and has discussed that analysis with management. Based on its review
and discussions with management, the Compensation Committee recommended to the Board of Directors that the Compensation Discussion and
Analysis be included in this Proxy Statement and incorporated by reference in the Company&rsquo;s Annual Report on Form 10-K for the year
ended December 31, 2021.&nbsp;</P>

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">William H. Lamb, Chairman</P>

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

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

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


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

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

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following table provides
information concerning total compensation earned or paid to the NEOs for the years ended December 31, 2021, 2020 and 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.3pt"></P>



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 29%; border-bottom: Black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Name and</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Principal Position</B></P></TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center"><B>Year</B></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Salary</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>($)</B></P></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>Bonus</B></TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Stock</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Awards</B></P>
    <P STYLE="margin: 0pt 0 0pt 11.9pt; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>($)</B> <SUP>(1)</SUP></P></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Option</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Awards</B></P>
    <P STYLE="margin: 0pt 0 0pt 9.5pt; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>($)</B> <SUP>(2)</SUP></P></TD>
    <TD STYLE="width: 12%; border-bottom: Black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>All other compensation</B></P>
    <P STYLE="margin: 0pt 0 0pt 8.8pt; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>($)</B> <SUP>(3)</SUP></P></TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center"><B>Total</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Damian Kozlowski</TD>
    <TD STYLE="text-align: center">2021</TD>
    <TD STYLE="text-align: right">750,000</TD>
    <TD STYLE="text-align: right">2,250,000</TD>
    <TD STYLE="text-align: right">750,000</TD>
    <TD STYLE="text-align: right">851,000</TD>
    <TD STYLE="text-align: right">9,714</TD>
    <TD STYLE="text-align: right">4,610,714</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Chief Executive Officer</TD>
    <TD STYLE="text-align: center">2020</TD>
    <TD STYLE="text-align: right">&nbsp;&nbsp;&nbsp;750,000</TD>
    <TD STYLE="text-align: right">1,650,000</TD>
    <TD STYLE="text-align: right">1,350,000</TD>
    <TD STYLE="text-align: right">906,000</TD>
    <TD STYLE="text-align: right">9,714</TD>
    <TD STYLE="text-align: right">4,665,714</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">2019</TD>
    <TD STYLE="text-align: right">755,000</TD>
    <TD STYLE="text-align: right">675,000</TD>
    <TD STYLE="text-align: right">675,000</TD>
    <TD STYLE="text-align: right">250,000</TD>
    <TD STYLE="text-align: right">10,476</TD>
    <TD STYLE="text-align: right">2,365,476</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">Paul Frenkiel</TD>
    <TD STYLE="vertical-align: top; text-align: center">2021</TD>
    <TD STYLE="vertical-align: top; text-align: right">400,000</TD>
    <TD STYLE="vertical-align: top; text-align: right">350,000</TD>
    <TD STYLE="text-align: right">150,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="vertical-align: top; text-align: right">18,426</TD>
    <TD STYLE="vertical-align: top; text-align: right">918,426</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">Chief Financial Officer/</TD>
    <TD STYLE="vertical-align: top; text-align: center">2020</TD>
    <TD STYLE="vertical-align: top; text-align: right">400,000</TD>
    <TD STYLE="vertical-align: top; text-align: right">220,000</TD>
    <TD STYLE="text-align: right">180,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="vertical-align: top; text-align: right">18,426</TD>
    <TD STYLE="vertical-align: top; text-align: right">818,426</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">Secretary</TD>
    <TD STYLE="vertical-align: top; text-align: center">2019</TD>
    <TD STYLE="vertical-align: top; text-align: right">396,500</TD>
    <TD STYLE="vertical-align: top; text-align: right">125,000</TD>
    <TD STYLE="text-align: right">125,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="vertical-align: top; text-align: right">18,560</TD>
    <TD STYLE="vertical-align: top; text-align: right">665,060</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Mark Connolly</TD>
    <TD STYLE="text-align: center">2021</TD>
    <TD STYLE="text-align: right">400,000</TD>
    <TD STYLE="text-align: right">595,000</TD>
    <TD STYLE="text-align: right">255,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9,354</TD>
    <TD STYLE="text-align: right">1,259,354</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Executive Vice President/</TD>
    <TD STYLE="text-align: center">2020</TD>
    <TD STYLE="text-align: right">350,000</TD>
    <TD STYLE="text-align: right">412,500</TD>
    <TD STYLE="text-align: right">337,500</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9,354</TD>
    <TD STYLE="text-align: right">1,109,354</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Chief Credit Officer</TD>
    <TD STYLE="text-align: center">2019</TD>
    <TD STYLE="text-align: right">348,000</TD>
    <TD STYLE="text-align: right">300,000</TD>
    <TD STYLE="text-align: right">300,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9,424</TD>
    <TD STYLE="text-align: right">957,424</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Gregor Garry</TD>
    <TD STYLE="text-align: center">2021</TD>
    <TD STYLE="text-align: right">400,000</TD>
    <TD STYLE="text-align: right">490,000</TD>
    <TD STYLE="text-align: right">210,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9,102</TD>
    <TD STYLE="text-align: right">1,109,102</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Executive Vice President/</TD>
    <TD STYLE="text-align: center">2020</TD>
    <TD STYLE="text-align: right">400,000</TD>
    <TD STYLE="text-align: right">220,000</TD>
    <TD STYLE="text-align: right">180,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8,837</TD>
    <TD STYLE="text-align: right">808,837</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Chief Operating Officer</TD>
    <TD STYLE="text-align: center">2019</TD>
    <TD STYLE="text-align: right">323,000</TD>
    <TD STYLE="text-align: right">100,000</TD>
    <TD STYLE="text-align: right">100,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">6,559</TD>
    <TD STYLE="text-align: right">529,559</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Thomas Pareigat</TD>
    <TD STYLE="text-align: center">2021</TD>
    <TD STYLE="text-align: right">400,000</TD>
    <TD STYLE="text-align: right">385,000</TD>
    <TD STYLE="text-align: right">165,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">17,431</TD>
    <TD STYLE="text-align: right">967,431</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Executive Vice President/</TD>
    <TD STYLE="text-align: center">2020</TD>
    <TD STYLE="text-align: right">400,000</TD>
    <TD STYLE="text-align: right">275,000</TD>
    <TD STYLE="text-align: right">225,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">17,328</TD>
    <TD STYLE="text-align: right">917,328</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>General Counsel</TD>
    <TD STYLE="text-align: center">2019</TD>
    <TD STYLE="text-align: right">398,462</TD>
    <TD STYLE="text-align: right">150,000</TD>
    <TD STYLE="text-align: right">150,000</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">17,321</TD>
    <TD STYLE="text-align: right">715,783</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.3pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Reflects the aggregate grant date fair value of stock awards granted during each of the last three fiscal years in accordance with
FASB ASC Topic 718. The values of stock awards were determined by multiplying the grant date closing price of the stock, by the number
of shares granted. The assumptions utilized in determining the fair value of stock awards are described in footnote M to the annual financial
statements included in the Company&rsquo;s Annual Report on Form 10-K for its fiscal year ending December 31, 2021.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Reflects the aggregate grant date fair value of stock options granted in accordance with FASB ASC Topic 718. The assumptions utilized
in determining the fair value of stock options are described in footnote M to the annual financial statements included in the Company&rsquo;s
Annual Report on Form 10-K for its fiscal year ending December 31, 2021.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Represents the aggregate dollar amount for each NEO for perquisites and other personal benefits comprised of the Company&rsquo;s contributions
to its 401(k) savings plan, insurance premiums and personal use of automobiles.</TD></TR></TABLE>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Grants of Plan-Based Awards-2021</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following table provides
information concerning each grant of an award made to an NEO during 2021 under any plan of the Company. In the following table, the values
of stock awards were determined by multiplying the grant date closing price of the stock by the number of shares granted. The values of
stock options granted were determined in accordance with FASB ASC Topic 718. The assumptions utilized in determining the fair value of
stock options are described in footnote M to the annual financial statements. The stock options vest over a period of four years from
grant date, with one fourth vesting on each grant anniversary date. The stock awards vest over a period of three years from grant date
with one third vesting on each grant anniversary date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B>&nbsp;</B></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: 24%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Name</B></TD>
    <TD STYLE="width: 12%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Grant Date</B></TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>All Other Stock Awards: Number of Shares of Stock or Units (#)</B></TD>
    <TD STYLE="width: 14%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>All Other Option Awards: Number of Securities Underlying Options (#) <SUP>(1)</SUP></B></TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Exercise Price of Stock Options <SUP>(1)</SUP></B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>($/Share)</B></P></TD>
    <TD STYLE="width: 13%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 8.3pt; text-align: center"><B>Closing Price on Date of Grant ($/Share)</B></TD>
    <TD STYLE="width: 15%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 11.4pt; text-align: center"><B>Grant Date Fair Value of Stock and Option Awards ($)</B></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Damian Kozlowski</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">02/09/21</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 5.4pt; text-align: right">39,872</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">18.81</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">750,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Damian Kozlowski</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">02/09/21</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">100,000</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">18.81</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">851,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Paul Frenkiel</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">02/09/21</TD>
    <TD STYLE="padding-right: 10pt; padding-left: 5.4pt; text-align: right">7,974</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">18.81</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">150,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Mark Connolly</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">02/09/21</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 5.4pt; text-align: right">13,556</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">18.81</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">255,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="margin-top: 0; margin-bottom: 0">Gregor Garry</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">02/09/21</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 5.4pt; text-align: right">11,164</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">18.81</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">210,000</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Thomas Pareigat</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">02/09/21</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 5.4pt; text-align: right">8,771</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">-</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">18.81</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">165,000</TD></TR>
  </TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="padding-right: 0.1pt">These stock options had an $8.51 per share fair value as of date of grant computed consistent with FASB
ASC Topic&nbsp;718.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Narrative Disclosure to Summary Compensation Table
and Grants of Plan-Based Awards Table</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">For a discussion of the material
factors necessary to an understanding of the information disclosed in the Summary Compensation Table and Grants of Plan-Based Awards Table,
see the disclosure above in &ldquo;Compensation Discussion and Analysis&rdquo; under the captions: &ldquo;Compensation Objectives and
the Focus of Compensation Awards,&rdquo; &ldquo;Compensation Methodology,&rdquo; &ldquo;Specific Elements of the Compensation Program&ldquo;
(including the disclosure of the amount of salary and bonus in proportion to total compensation) and &ldquo;Determination of Compensation
Amount.&rdquo; During 2021, none of the Company&rsquo;s outstanding options or other equity-based awards were repriced or otherwise materially
modified. Recipients of stock options or restricted stock units are not entitled to any common stock dividends paid until after options
are exercised or restricted stock units vest. Such dividends would not be preferential as to other common stockholders.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Ratio of Chief Executive Officer Pay to Median
Pay</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">For 2021, the median of the annual
total compensation of all employees of the Company, other than the Chief Executive Officer (CEO), was $84,226, and the total compensation
of the CEO was $4,610,714, as reported in the Summary Compensation Table above. Based on this information, for 2021, the CEO&rsquo;s annual
total compensation was 55 times that of the median of the annual total compensation of all employees.</P>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">To identify the median of the
annual total compensation of all the Company&rsquo;s employees, as well as to determine the annual total compensation of the median employee
and the CEO, the Company took the following steps:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The Company determined that as of the payroll for December 30, 2021, there were 651 employees. This population consisted of the Company&rsquo;s
full-time and an insignificant number of part-time workers. Independent contractors were not included in the analysis. December 30, 2021
was selected as the date to identify the &ldquo;median employee&rdquo; because it was the last payroll date within the last three months
of 2021, and it enabled the Company to make such identification in a reasonably efficient and economical manner.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>To identify the &ldquo;median employee&rdquo;, the Company analyzed the salary, wages and overtime pay of all employees, to account
for employees who had only worked a portion of the year. It also considered additional compensation consisting of 401(k) matches and health
insurance. Since less than 10% of Company employees receive equity awards, such awards were excluded from the compensation measure.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>The Company identified its median employee using this compensation measure, which was consistently applied to all employees included
in the calculation. Since all Company employees are located in the United States, including the CEO, the Company did not make any cost
of living adjustments.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Once the median employee was identified, the Company combined the elements of such employee&rsquo;s compensation for 2021 in accordance
with the requirements of Item 402(c)(2)(x) of Regulation S-K, resulting in total compensation of $84,226. The difference between such
employee&rsquo;s salary, wages and overtime pay and the employee&rsquo;s annual total compensation represents the estimated value of health
care benefits which were estimated at $11,614 per employee, which includes coverage for dependents. The Company&rsquo;s 401(k) match was
also included in the compensation analysis.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.75in; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>With respect to the total annual compensation of the CEO, the Company used the amount reported in the &ldquo;Total&rdquo; column of
the Summary Compensation Table above.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Equity Compensation Plan Information</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">As of December 31, 2021, the
status of our equity compensation plans is as follows:</P>

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

<TABLE CELLSPACING="1" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 29%; border-bottom: Black 1pt solid; padding: 0.75pt 11.5pt 0.75pt 0.75pt; text-align: center"><B>Plan category</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Number of securities to be issued upon exercise of outstanding options, warrants and rights</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Weighted-average exercise price of outstanding options, warrants and rights</B></TD>
    <TD STYLE="width: 26%; border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))</B></TD></TR>
  <TR>
    <TD STYLE="padding: 0.75pt; text-align: center">&nbsp;&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(a)</B></TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(b)</B></TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(c) </B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.75pt">Equity compensation plans approved by security holders </TD>
    <TD STYLE="padding: 0.75pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center">1,580,228 <SUP>(1)</SUP></P></TD>
    <TD STYLE="padding: 0.75pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center">$9.67 <SUP>(2)</SUP></P></TD>
    <TD STYLE="padding: 0.75pt">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center">1,347,185</P></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0.75pt">Equity compensation plans not approved by security holders </TD>
    <TD STYLE="padding: 0.75pt; text-align: center">Not applicable</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">Not applicable</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">Not applicable</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.75pt 0.75pt 0.75pt 48pt">Total</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">1,580,228</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">$9.67</TD>
    <TD STYLE="padding: 0.75pt; text-align: center">1,347,185</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0.1pt; margin-bottom: 0.1pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="padding-right: 0.1pt">Includes 1,030,124 outstanding unvested restricted stock units which are awarded upon vesting without
consideration from the recipient. Restricted stock units have reduced the number of securities remaining available for future issuance
in column c.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0.1pt; margin-bottom: 0.1pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.1pt"></TD><TD STYLE="width: 18pt">(2)</TD><TD STYLE="padding-right: 0.1pt">Excludes 1,030,124 outstanding unvested restricted stock units which are awarded upon vesting without
consideration from the recipient.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt"><B>Outstanding Equity Awards at Fiscal Year-End Table-2021</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following table provides
information on the holdings by the Company&rsquo;s NEOs as of year-end December 31, 2021 which details unexercised stock options and stock
awards that have not vested.</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">&nbsp;</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="white-space: nowrap; width: 20%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 13%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 13%; padding-right: -5.7pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Option Awards</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 9%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Stock Awards</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Grant</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Number of securities underlying unexercised options Exercisable <SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Number of securities underlying unexercised options Unexercisable</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Options exercise price</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Options expiration</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Number of shares or units of stock that have not vested <SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Market value of shares or units of stock that have not vested <SUP>(3)</SUP></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Name</B></FONT></TD>
    <TD STYLE="text-align: center; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><B> Date</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(#)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(#)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>($)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>date</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(#)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>($)</B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Damian Kozlowski</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/8/2019</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32,552</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32,552</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8.57</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">2/8/2029</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/8/2019</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">26,254</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">664,489</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">5/20/2020</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">75,000</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">225,000</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">6.87</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">5/20/2030</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">5/20/2020</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">131,004</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3,315,711</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/9/2021</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">100,000</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">18.81</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">2/9/2031</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/9/2021</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">39,872</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">1,009,160</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">107,552</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">357,552</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">197,130</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4,989,360</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Paul Frenkiel</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/8/2019</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">4,862</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">123,057</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">5/20/2020</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">17,467</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">442,089</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/9/2021</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">7,974</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">201,822</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">30,303</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">766,968</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Mark Connolly</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/8/2019</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11,669</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">295,342</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">5/20/2020</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32,751</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">828,928</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/9/2021</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">13,556</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">343,102</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">57,976</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">1,467,372</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Gregor Garry</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/8/2019</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">3,890</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">98,456</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">5/20/2020</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">17,467</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">442,089</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/9/2021</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">11,164</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">282,561</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">32,521</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">823,106</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Thomas Pareigat</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/8/2019</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">5,834</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">147,658</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">5/20/2020</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">21,834</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">552,619</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2/9/2021</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">8,771</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">221,994</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">36,439</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">922,271</FONT></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Total</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>107,552</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>357,552</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>354,369</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>8,969,077</B></FONT></TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>All options listed vest at a rate of one fourth per year over a period of four years from grant date.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>All stock awards listed are Restricted Stock Units, or RSUs, which vest at a rate of one third per year over three years from grant
date, except those issued in 2020 which vest one third each after years one and two, with the balance vesting after eight months. Upon
vesting, Common Shares equal to the number of units vested are issued to the NEO.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Market value is based on the closing market price of the Common Shares on December 31, 2021, which was $25.31. In the event of death,
disability or retirement, unvested RSUs would vest to the benefit of the recipient. In the event of a change of control, vesting could
occur if the recipient were not offered comparable employment after the change of control. While the values shown are as of year-end,
the value realized would be determined by the stock price at the date of these occurrences.</TD></TR></TABLE>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Option Exercises and Stock Vested-2021</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following disclosures provide
information for the Company&rsquo;s NEOs regarding restricted stock units vested and options exercised in 2021.</P>

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

<TABLE CELLSPACING="1" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR>
    <TD ROWSPAN="2" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Name</B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Option awards </B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Stock awards </B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Number of shares<BR>
acquired on<BR>
exercise<BR>
(#)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Value<BR>
realized on<BR>
exercise<BR>
($)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Number of shares<BR>
acquired on vesting<BR>
(#)</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.75pt; text-align: center"><B>Value<BR>
realized on<BR>
vesting<BR>
($)</B></TD></TR>
  <TR>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(a)</B></TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(b)</B></TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(c)</B></TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(d)</B></TD>
    <TD STYLE="padding: 0.75pt; text-align: center"><B>(e)</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.75pt">Damian Kozlowski</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">300,000</TD>
    <TD STYLE="padding: 0.75pt 19.75pt 0.75pt 0.75pt; text-align: right">5,109,000</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">100,790</TD>
    <TD STYLE="padding: 0.75pt 16.35pt 0.75pt 0.75pt; text-align: right">2,210,562</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0.75pt">Paul Frenkiel </TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">98,000</TD>
    <TD STYLE="padding: 0.75pt 19.75pt 0.75pt 0.75pt; text-align: right">1,675,520</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">16,606</TD>
    <TD STYLE="padding: 0.75pt 16.35pt 0.75pt 0.75pt; text-align: right">357,387</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.75pt">Mark Connolly</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">34,819</TD>
    <TD STYLE="padding: 0.75pt 16.35pt 0.75pt 0.75pt; text-align: right">741,297</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0.75pt">Gregor Garry</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">14,129</TD>
    <TD STYLE="padding: 0.75pt 16.35pt 0.75pt 0.75pt; text-align: right">308,236</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0.75pt">Thomas Pareigat</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">35,000</TD>
    <TD STYLE="padding: 0.75pt 19.75pt 0.75pt 0.75pt; text-align: right">540,500</TD>
    <TD STYLE="padding: 0.75pt 29.6pt 0.75pt 0.75pt; text-align: right">19,762</TD>
    <TD STYLE="padding: 0.75pt 16.35pt 0.75pt 0.75pt; text-align: right">426,733</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Potential Payments Upon Termination or Change
in Control</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 44.25pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 44.25pt">The following discussion presents
the potential payments for each of our named executive officers upon a termination of employment or change in control. Pursuant to applicable
SEC rules, the analysis contained in this discussion does not consider or include payments made to a named executive officer with respect
to contracts, agreements, plans or arrangements to the extent they do not discriminate in scope, terms or operation in favor of named
executive officers of the Company and that are available generally to all salaried employees. The actual amounts that would be paid upon
a named executive officer&rsquo;s termination of employment can only be determined at the time of such executive officer&rsquo;s termination.
Due to the number of factors that affect the nature and amount of any compensation or benefits provided upon the termination events, any
actual amounts paid or distributed may be higher or lower than reported below. Among other factors that could affect these amounts are
the timing during the year of any such event and our stock price. This discussion assumes the relevant trigger event occurred on December
31, 2021, in accordance with SEC rules.</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 44.25pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 44.25pt">The Company&rsquo;s named executive
officers serve at the discretion of the Board of Directors. We have not entered into formal employment agreements with any of our named
executive officers. In connection with Mr.&nbsp;Kozlowski&rsquo;s hire in 2016, however, we provided him with a Letter Agreement (the
&ldquo;DK Letter Agreement&rdquo;) outlining his basic compensation terms and providing for grants of equity compensation, among other
things. The DK Letter Agreement specified that his employment was terminable by either party at any time with or without cause or advance
notice. In the event of a named executive officer&rsquo;s termination of employment for any reason whatsoever, any severance benefits
or other cash payments, if any, would be negotiated on an individual basis.</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 44.25pt"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Awards Under the Company&rsquo;s Equity Compensation
Plans</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1pt; text-indent: 0.5in">The Company has granted awards of stock options
and restricted stock units to each of the NEOs under one or more of the Company&rsquo;s Stock Option and Equity Plan of 2011, Stock Option
and Equity Plan of 2013, 2018 Equity Incentive Plan and 2020 Equity Incentive Plan (collectively, the &ldquo;Equity Compensation Plans&rdquo;).
The currently outstanding awards granted to the NEOs are described above in the &ldquo;Outstanding Equity Awards at Fiscal Year-End&rdquo;
table. These awards are subject to certain trigger events which would affect their terms and as a result represent our only obligation
to make any potential payments upon termination or change of control of our NEOs. As described in this table, these awards are comprised
of unvested options (not exercisable) and vested options (exercisable) and unvested RSUs.</P>

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


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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Mr. Kozlowski received stock
options from the 2018 Equity Incentive Plan and the 2020 Equity Incentive Plan. With respect to such vested options, in the event of death,
disability or retirement, the exercise period is one year from the trigger date, subject to termination on the expiration date of this
option, if earlier. In the event of an involuntary termination following a change in control, all options would remain exercisable (subject
to the expiration provisions otherwise applicable to the option) and would be exercisable for a period of one year following such termination.
If his employment is terminated for cause, all options that have not been exercised will expire and be forfeited. If his employment terminates
for any other reason, these options may thereafter be exercised, to the extent exercisable at the time of such termination, for a period
of three months following termination, subject to termination on the option&rsquo;s expiration date, if earlier.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">With respect to unvested options,
in the event of death, disability or retirement, such options would vest on the one year anniversary of the date of termination of service
and, since the one year vesting period would coincide with the one year permitted exercise period, notice of exercise would be required
to be provided prior to the expiration of the one year period following termination, with exercise permitted immediately after the one
year period, provided that no option would become vested after the expiration of its term and subject to restrictions based on ISO treatment.
In the event of an involuntary termination following a change in control, all options would become exercisable (subject to the expiration
provisions otherwise applicable to the option) and would be exercisable for a period of one year following such termination. If employment
has been terminated for cause or for any other reason, these options would expire and be forfeited.</P>

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

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">With respect to unvested
RSUs, in the event of death, disability or retirement, the unvested RSUs would vest on the one-year anniversary of such termination of
service. In the event of an involuntary termination following a change in control, all such RSUs would become fully earned and vested
immediately. In the event of a termination for cause or other termination, unvested RSUs would be forfeited. All RSUs were granted from
the 2018 Equity Incentive Plan and the 2020 Equity Incentive Plan, thus these conditions additionally apply to the other NEOs, all of
whose RSUs were granted from those two plans.</P>

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">See Exhibits 10.15 and 10.7.1
to our Annual Report on Form 10-K for the year ended December 31, 2021 (&ldquo;the 2021 Annual Report&rdquo;) for plan documents which
detail the definitions related to the trigger events summarized above.</P>

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The amount each NEO would
accrue under the relevant trigger event is set forth below.</P>

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: bottom; width: 24%; border-bottom: Black 1pt solid; padding-right: 0.8pt"><B>Name </B></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; border-bottom: Black 1pt solid; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 22%; border-bottom: Black 1pt solid; padding-right: 1.8pt"><B>Principal Position</B></TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: Black 1pt solid; padding-right: 1.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 27%; border-bottom: Black 1pt solid; padding-right: 1.8pt; text-align: right"><P STYLE="margin-top: 0; margin-bottom: 0"><B>Involuntary Termination following a Change in</B></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><B>Control ($)</B></P></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; border-bottom: Black 1pt solid; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 24%; border-bottom: Black 1pt solid">
    <P STYLE="margin: 0pt 2.15pt 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: right"><B>Death, Disability,</B></P>
    <P STYLE="margin: 0pt 2.15pt 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: right"><B>Retirement ($)</B></P></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">Damian Kozlowski <SUP>(1)</SUP></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt">Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; padding-right: 1.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt; text-align: right">10,333,280</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 4.5pt; text-align: right">10,333,280</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">Paul Frenkiel <SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt">Chief Financial Officer</TD>
    <TD STYLE="vertical-align: top; padding-right: 1.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt; text-align: right">&nbsp;766,968 </TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 4.5pt; text-align: right">&nbsp;766,968 </TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">Mark Connolly <SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt">Chief Credit Officer </TD>
    <TD STYLE="vertical-align: top; padding-right: 1.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt; text-align: right">&nbsp;1,467,372 </TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 4.5pt; text-align: right">&nbsp;1,467,372 </TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">Gregor Garry <SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt">Chief Operating Officer </TD>
    <TD STYLE="vertical-align: top; padding-right: 1.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt; text-align: right">&nbsp;823,106 </TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 4.5pt; text-align: right">&nbsp;823,106 </TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">Thomas Pareigat <SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt">General Counsel</TD>
    <TD STYLE="vertical-align: top; padding-right: 1.8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.8pt; text-align: right">&nbsp;922,271 </TD>
    <TD STYLE="vertical-align: bottom; padding-right: 0.8pt; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 4.5pt; text-align: right">&nbsp;922,271 </TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Amounts for Mr. Kozlowski were computed by adding the December 31, 2021 share price of $25.31 times the number of unvested RSUs, plus
the number of unvested stock options times the difference of that share price and exercise prices.</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Amounts for Messrs. Frenkiel, Connolly, Garry and Pareigat consisted of multiplying the share price of $25.31 times the number of
unvested RSUs, as they had no unvested stock options.</TD></TR></TABLE>

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


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    <!-- Field: /Page -->

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>Director Compensation Table-2021</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following table provides
information concerning the compensation of the Company&rsquo;s non-NEO directors for 2021. The compensation of the only director who is
an NEO, Mr. Kozlowski, is described above and he receives no additional compensation for his services as a member of the Board. Mr. Cohen
was employed by the Company and served as its Chairman of the Board through October 31, 2021 and his salary and other compensation paid
in 2021 is described below. Each independent director receives annual cash compensation of $75,000, paid quarterly. In addition, each
independent director receives $500 for each meeting of a committee of the Board of Directors he or she attends; the Chairman of the Audit
Committee and the Chairman of the Risk Committee receives $1,500 for each committee meeting attended; and the chairpersons of the other
committees receive $1,000 for each committee meeting attended. As the lead independent director through December 2021, Michael J. Bradley
received additional annual cash compensation of $20,000 in 2021. With the transition in December 2021 to an independent director as Chairman
of the Board, that additional compensation will no longer be paid. The Compensation Committee granted equity with a market value at date
of grant of $90,000 to independent directors, to align their interests with other stockholders. Neither the annual cash compensation of
$75,000 nor individual meeting fees were increased in 2021 compared to the prior year.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 30%; border-bottom: black 1pt solid"><B>Name</B></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: bottom; width: 26%; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><B>Fees Earned or Paid in</B></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><B>Cash ($)</B></P></TD>
    <TD STYLE="text-align: center; vertical-align: bottom; width: 23%; border-bottom: black 1pt solid">
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: 11.1pt"><B>Stock</B></P>
    <P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center; text-indent: 11.1pt"><B>Awards
    ($)<SUP>(6)</SUP></B></P></TD>
    <TD STYLE="vertical-align: bottom; width: 21%; border-bottom: black 1pt solid; text-align: right"><B>&nbsp;Total ($)</B></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Walter T. Beach <SUP>(1)</SUP></TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">102,750</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">192,750</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Michael J. Bradley</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">107,750</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">197,750</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>John C. Chrystal <SUP>(2)</SUP></TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">102,750</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">192,750</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Cheryl D. Creuzot <SUP>(3)</SUP></TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">16,125</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;&nbsp;&nbsp;16,125</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Daniel G. Cohen <SUP>(4)</SUP></TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">1,238,846</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">165,000</TD>
    <TD STYLE="text-align: right">1,403,846</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Matthew N. Cohn</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">107,250</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">197,250</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>John M. Eggemeyer</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">97,250</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">187,250</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Hersh Kozlov</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">97,750</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">187,750</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>William H. Lamb</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">100,250</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">192,250</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>James J. McEntee III</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">103,250</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">193,250</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Daniela A. Mielke</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">102,750</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">192,750</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>Stephanie B. Mudick</TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">103,250</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">193,250</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Mei-Mei H. Tuan <SUP>(5)</SUP></TD>
    <TD STYLE="padding-right: 37.4pt; text-align: right">107,250</TD>
    <TD STYLE="padding-right: 28.5pt; text-align: right">90,000</TD>
    <TD STYLE="text-align: right">197,250</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.25in">(1)</TD><TD>Mr. Beach resigned from the Board of Directors effective December 31, 2021.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Mr. Chrystal served as Vice Chairman until his resignation which was effective February 28, 2022.</TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top"><TD STYLE="width: 0.25in">(3)</TD><TD>Mrs. Creuzot was named to the Board of Directors effective November 1, 2021 and she earned pro-rata compensation in 2021.</TD></TR></TABLE>




<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>Until his retirement on October 31, 2021, Mr. Cohen&rsquo;s fees and stock awards reflected his compensation as Chairman of the Board
and for his role in the commercial real estate securitization division, which he established. His fees earned or paid in cash were comprised
of $253,846 for salary paid through his October 31, 2021 departure date, a cash bonus of $385,000 and additionally, Mr. Cohen was awarded
a $600,000 retirement bonus in recognition of his contributions during his twenty-two years of service.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>Ms. Tuan resigned from the Board of Directors effective February 28, 2022.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: windowtext">(6)</FONT></TD><TD>Outstanding restricted stock units and stock options as of December 31, 2021 are as follows. Each director in the table above, except
for Mr. Cohen, had 4,784 restricted stock units outstanding. Mr. Cohen had 40,568 restricted stock units outstanding. Directors Bradley
and Cohn had 10,000 options, comprised of two 5,000 share grants with exercise prices of $8.50 and $10.45. Mr. McEntee had 5,000 options
with an exercise price of $10.45. The fair values of the options at the respective exercise prices of $8.50 and $10.45, were $4.51 and
$4.24 as of the date of grant. Directors Beach, Chrystal, Lamb, Eggemeyer, Kozlov, Tuan, Mielke, Mudick and Creuzot had no options outstanding.
The compensation and stock awards to Mr. Eggemeyer are made to Castle Creek Partners VI L.P., the fund with which he is affiliated.<FONT STYLE="color: windowtext"><BR STYLE="clear: both">
</FONT></TD></TR></TABLE>

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

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

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">In connection with the preparation
and filing of the Company&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2021 (the &ldquo;2021 Annual Report on Form
10-K&rdquo;):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD>the Audit Committee reviewed and discussed the audited financial statements included in the 2021 Annual Report on Form 10-K with the
Company&rsquo;s management;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD>the Audit Committee discussed with the Company&rsquo;s independent registered public accounting firm, Grant Thornton LLP (&ldquo;Grant
Thornton&rdquo;), the matters required to be discussed by the applicable requirements of the Public Company Accounting Oversight Board
(&ldquo;PCAOB&rdquo;) and the SEC;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3.</TD><TD>the Audit Committee received the written disclosures and the letter from Grant Thornton required by applicable requirements of the
PCAOB regarding Grant Thornton&rsquo;s communications with the Audit Committee concerning independence, and has discussed with Grant Thornton
the independence of Grant Thornton; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD>based on the review and discussions referred to above, the Audit Committee recommended to the Board of Directors of the Company that
the audited financial statements be included in the Company&rsquo;s 2021 Annual Report on Form 10-K for filing with the SEC.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><FONT STYLE="background-color: white">In
performing its functions, the Audit Committee acts only in an oversight capacity. In its oversight role, the Audit Committee relies on
the work and assurances of the Company&rsquo;s management, which has the primary responsibility for financial statements and reports,
and of the independent registered public accounting firm who, in its report, expressed an opinion on the conformity of the Company&rsquo;s
consolidated financial statements to generally accepted accounting principles (&ldquo;GAAP&rdquo;). The Audit Committee&rsquo;s oversight
does not provide it with an independent basis to determine that management has maintained appropriate accounting and financial reporting
principles or policies, or appropriate internal controls and procedures designed to assure compliance with accounting standards and applicable
laws and regulations. Furthermore, the Audit Committee&rsquo;s considerations and discussions with management and the independent registered
public accounting firm do not assure that the financial statements are presented in accordance with GAAP, that the audit of the financial
statements has been carried out in accordance with GAAP or that the independent registered public accounting firm is &ldquo;independent.&rdquo;</FONT></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Audit Committee of the Board
of Directors of the Company has provided this report. This report shall not be deemed to be filed under, nor shall it be deemed to be
incorporated by reference by any general statement incorporating this Proxy Statement into any filing under the Securities Act of 1933,
as amended, and the Exchange Act (collectively, the &ldquo;Acts&rdquo;), except to the extent the Company specifically incorporates this
information by reference, and shall not otherwise be deemed filed under such Acts.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Michael J. Bradley, Chairman</P>

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

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

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


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PROPOSAL 3. APPROVAL OF ACCOUNTANTS</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The Board of Directors unanimously
recommends that the stockholders approve the selection of Grant Thornton LLP, independent registered public accounting firm, to audit
the financial statements of the Company for the fiscal year ending December 31, 2022. Representatives of Grant Thornton are expected to
be present at the Annual Meeting. These representatives will have the opportunity to make a statement if they desire to do so and will
be available to respond to appropriate questions.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">The following table presents
the aggregate fees billed by Grant Thornton for each of the services listed below for each of the Company&rsquo;s last two fiscal years.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: black 1pt solid; text-align: center"><B>2021</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: black 1pt solid; text-align: center"><B>2020</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="width: 27%; padding-left: 0.5pt; text-indent: -0.5pt">Audit Fees <SUP>(1)</SUP></TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 10%; text-align: right">849,818</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 10%; text-align: right">819,001</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-left: 0.5pt; text-indent: -0.5pt">Audit &ndash; Related Fees <SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">25,725</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">140,700</TD></TR>
  <TR>
    <TD STYLE="padding-left: 0.5pt; text-indent: -0.5pt">Tax Fees <SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">186,850</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">174,892</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5pt; text-indent: -0.5pt">All Other Fees</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right">-</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding-left: 0.5pt; text-indent: -0.5pt">Total</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right">1,062,393</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right">1,134,593</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0 0pt 0.5in; font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Audit fees consisted of the aggregate fees billed for professional services rendered by Grant Thornton in connection with its audit
of the Company&rsquo;s consolidated financial statements and its limited reviews of the unaudited consolidated interim financial statements
that are normally provided in connection with statutory and regulatory filings or engagements for these fiscal years.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>In 2020, audit-related fees were primarily comprised of services related to the Company&rsquo;s 2020 debt offering and secondarily
for an audit of its 401k plan. In 2021, these fees were incurred for the audit of the Company&rsquo;s 401k plan.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Tax fees consisted of the aggregate fees billed for professional services rendered by Grant Thornton for tax compliance, tax advice
and tax planning in 2021 and 2020.</TD></TR></TABLE>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Policy on Audit Committee
Pre-Approval of Audit and Permissible Non-Audit Services of Independent Registered Public Accounting Firm</B></P>

<P STYLE="margin: 0pt 0 0pt 27.35pt; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: -27.35pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Exchange Act rules generally
require any engagement by a public company of an accountant to provide audit or non-audit services to be pre-approved by the audit committee
of that public company. This pre-approval requirement is waived with respect to the provision of services other than audit, review or
attest services if certain conditions set forth in rule 2-01(c)(7)(i)(C) under the Exchange Act are met. None of the audit-related and
tax services described above were subject to this Rule and the approval procedures set forth therein. All services provided to the Company
by Grant Thornton in 2021 and 2020 were pre-approved by the Audit Committee.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in"><B>The Board of Directors unanimously
recommends a vote &ldquo;FOR&rdquo; the selection of Grant Thornton as the Company&rsquo;s independent registered public accounting firm
for the fiscal year ending December 31, 2022.</B></P>

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


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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">As of the date of this Proxy
Statement, the Board of Directors does not intend to present and has not been informed that any other person intends to present any other
matters for action at the Annual Meeting. However, if other matters do properly come before the Annual Meeting or any adjournment, postponement
or continuation thereof, it is the intention of the persons named as proxies to vote upon them in accordance with their best judgment.
For any other matter which may properly come before the Annual Meeting, the affirmative vote of the holders of at least a majority of
the votes cast at the Annual Meeting at which a quorum is present is required, either in person or by proxy, for approval, unless otherwise
required by law.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Except as set forth in this section,
all Common Shares represented by valid proxies received will be voted in accordance with the provisions of the proxy.</P>

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Rule 14a-8 the Exchange Act establishes
the eligibility requirements and the procedures that must be followed for a stockholder's proposal to be included in a public Company&rsquo;s
proxy materials. Proposals submitted for inclusion in the Company&rsquo;s Proxy Statement for its 2023 annual meeting of stockholders
must be received by the Company&rsquo;s Secretary on or before the close of business December 15, 2022. <FONT STYLE="background-color: white">If
next year&rsquo;s annual meeting is held on a date that is more than 30 calendar days from May 25, 2023, a stockholder proposal must be
received by a reasonable time before the Company&rsquo;s printer begins to print and mail its proxy solicitation materials for such annual
meeting. Any stockholder proposals will be subject to the requirements of the proxy rules adopted by the Securities and Exchange Commission.
N</FONT>otice of a stockholder proposal submitted outside of Rule 14a-8 is considered untimely if submitted after February 28, 2023. Additionally,
the persons named as proxies in the Proxy Statement and/or form of proxy will have discretionary authority to vote on a stockholder proposal
received before February 28, 2023, if we briefly describe the matter in the Proxy Statement and how management's proxy holders intend
to vote on it, or if the stockholder does not comply with the requirements of Rule 14a-4(c) (2) under the Exchange Act.</P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">Stockholders who wish to submit
their recommendations for director candidates to the Nominating and Governance Committee should send their written recommendation to the
Company&rsquo;s executive offices, The Bancorp, Inc., and Attention: Nominating and Governance Committee Chairman, 409 Silverside Road,
Suite 105, Wilmington, Delaware 19809. These stockholders must represent that they are stockholders of the Company and will remain so
through the date of the relevant annual meeting of stockholders of the Company and include the written consent of the person so recommended
to serve as a director if nominated and elected and to provide such information as is set forth or referenced in our Corporate Governance
Guidelines, including, without limitation, a description of the nominee's background and qualifications, as well as any additional information
as the Nominating and the Governance Committee may request. All stockholder recommendations received by the Nominating and Governance
Committee will be reviewed at the first meeting of the Nominating and Governance Committee held after receipt of the recommendation. The
Nominating and Governance Committee will consider nominees recommended by security holders for the annual meeting of stockholders to be
held in 2023, if submitted as described above by December 15, 2022. The Company describes how it addresses such submissions in greater
detail in the &ldquo;Submission of Director-Nominee Candidate&rdquo; section of the Company&rsquo;s Corporate Governance Guidelines which
may be accessed at https://investors.thebancorp.com/corporate-information/governance-documents/default.aspx. These Corporate Governance
Guidelines were adopted by the Board on December 15, 2021 and largely memorialized prior practices of the Nominating and Governance Committee.
The candidate attributes examined by the Nominating and Governance Committee and the standards taken into account by the Nominating and
Governance Committee are summarized above. See <B>&ldquo;Corporate Governance.&rdquo;</B></P>

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">To comply with the universal
proxy rules (once effective), stockholders who intend to solicit proxies in support of director nominees other than the Company&rsquo;s
nominees must provide notice that sets forth the information required by Rule 14a-19 under the Exchange Act no later than March 26, 2023.</P>

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


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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in">We seek to actively engage with
our stockholders. We recognize the benefits that come from this interaction. We engage with stockholders throughout the year to:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&check;</FONT></TD>
    <TD STYLE="width: 93%; padding-bottom: 10pt">Provide visibility and transparency into our business, our performance and our governance practices: Certain of the financial metrics and other targets utilized by the Company and Compensation Committee to assess performance and determine incentive compensation are at https://investors.thebancorp.com/presentations/default.aspx.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&check;</FONT></TD>
    <TD>Discuss with our stockholders the issues that are important to them, hear their expectations for us, and share our views: The Company&rsquo;s Chief Executive Officer and Chief Financial Officer host quarterly phone calls in which all stockholders may participate, and which includes a question and answer session.<BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&check;</FONT></TD>
    <TD>Assess emerging issues that may affect our business, inform our decision making, enhance our corporate disclosures and help shape our practices: Notwithstanding more than a 90% approval for the advisory vote on compensation taken at the Company&rsquo;s annual meeting held in 2021, executive management reached out to stockholders to provide input on that or any topic they wished. The Chief Financial Officer and Chief Executive Officer are the Company&rsquo;s primary representatives who meet with investors. The Chief Financial Officer addresses outreach relating to CEO compensation. In 2021, these officers met with stockholders owning over 50% of the Company&rsquo;s stock. A chart detailing the specific stockholder recommendations made and corresponding steps to implement pay for performance and other governance, is presented in <B>&ldquo;Determination of Compensation Amounts&rdquo;</B> under <B>&ldquo;Stockholder Input and Company Actions&rdquo;</B>.</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></P>

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

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

<P STYLE="margin: 0pt 0 0pt 0.1pt; font: 10pt Times New Roman, Times, Serif; text-indent: 35.9pt">In addition to quarterly
phone calls in which all stockholders may participate, we provide institutional investors with many opportunities and events to provide
feedback to our Board and senior management. We participate in:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 22.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&check;</FONT></TD><TD>Formal events</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 22.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&check;</FONT></TD><TD>One-on-one sessions</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 22.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&check;</FONT></TD><TD>Group meetings throughout the year</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Company&rsquo;s Board of
Directors and management value direct interaction and communication with stockholders. The Company encourages stockholders to contact
it at any time to discuss compensation and any other topics of importance to them. In 2021, senior management held more than 50 meetings
and conference calls with most of the Company&rsquo;s major stockholders, although some investors have a policy of not meeting directly
with management. The Company uses these meetings to obtain feedback from its stockholders about areas important to them; including the
Company&rsquo;s business model, performance, corporate governance, compensation practices and other investor topics.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Based upon continuing stockholder
engagement throughout the past two years, we believe there is a more positive view of executive compensation resulting from sustained
multi-year improvement in quarterly and annual results. The Company maintains a stockholder relations department headed by Andres Viroslav,
and the Company encourages you to call either him at 215.861.7990 or its Corporate Secretary and Chief Financial Officer, Paul Frenkiel
at 302.385.5122 for your feedback and financially-related or other questions.</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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    <!-- Field: /Page -->

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

<P STYLE="font: bold 8pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 12pt"><B>ANNUAL
MEETING OF S<FONT STYLE="letter-spacing: -0.2pt">T</FONT>OCKHOLDERS OF</B></FONT></P>

<P STYLE="font: 10pt/14pt Times New Roman, Times, Serif; margin: 0.95pt 0 0">&nbsp;</P>

<P STYLE="font: bold 24pt Arial-BoldMT, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 24pt"><B>THE
BANCOR<FONT STYLE="letter-spacing: -3.1pt">P</FONT>, INC.</B></FONT></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0.65pt 0 0">&nbsp;</P>

<P STYLE="font: bold 8pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 12pt"><B>May
25, 2022</B></FONT></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 7pt"><B>GO
GREEN</B></FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0pt 1.5in; text-align: justify; color: #231F20"><FONT STYLE="font-size: 7pt">e-Consent
makes it easy to go paperless. With e-Consent, you can quickly access your proxy material, statements and other eligible documents online,
while reducing costs, clutter and paper waste. Enroll today via ww<FONT STYLE="letter-spacing: -0.4pt">w</FONT>.astfinancial.com to enjoy
online access.</FONT></P>

<P STYLE="font: 10pt/6pt Times New Roman, Times, Serif; margin: 0.4pt 0 0">&nbsp;</P>

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

<P STYLE="font: normal 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><B><U>IMPOR<FONT STYLE="letter-spacing: -0.75pt">T</FONT>ANT
NOTICE REGARDING THE <FONT STYLE="letter-spacing: -0.75pt">AV</FONT>AILABILITY OF PROXY M<FONT STYLE="letter-spacing: -0.75pt">A</FONT>TERIALS</U></B></FONT></P>

<P STYLE="font: normal 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><B><U>FOR
THE S<FONT STYLE="letter-spacing: -0.2pt">T</FONT>OCKHOLDER MEETING <FONT STYLE="letter-spacing: -0.2pt">T</FONT>O BE HELD ON M<FONT STYLE="letter-spacing: -0.9pt">A</FONT>Y
25, 2022</U></B>:</FONT></P>

<P STYLE="font: 8pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">The
Notice of Annual Meeting, Proxy Statement, Annual Report and Proxy Card</FONT></P>

<P STYLE="font: 8pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">are
available at - https://investors.thebancorp.com/financial-information/proxy-materials/default.aspx</FONT></P>

<P STYLE="font: 10pt/7.5pt Times New Roman, Times, Serif; margin: 0.4pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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

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

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

<P STYLE="font: 16pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 18pt; letter-spacing: 0.5pt">Pleas</FONT><FONT STYLE="font-size: 18pt">e
<FONT STYLE="letter-spacing: 0.5pt">sign</FONT>, <FONT STYLE="letter-spacing: 0.5pt">dat</FONT>e <FONT STYLE="letter-spacing: 0.5pt">an</FONT>d
<FONT STYLE="letter-spacing: 0.5pt">mail</FONT></FONT></P>

<P STYLE="font: 16pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 18pt; letter-spacing: 0.7pt">you</FONT><FONT STYLE="font-size: 18pt">r
<FONT STYLE="letter-spacing: 0.7pt">prox</FONT>y <FONT STYLE="letter-spacing: 0.7pt">car</FONT>d <FONT STYLE="letter-spacing: 0.7pt">i</FONT>n
<FONT STYLE="letter-spacing: 0.7pt">the</FONT></FONT></P>

<P STYLE="font: 16pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 18pt; letter-spacing: 0.5pt">envelop</FONT><FONT STYLE="font-size: 18pt">e
<FONT STYLE="letter-spacing: 0.5pt">provide</FONT>d <FONT STYLE="letter-spacing: 0.5pt">a</FONT>s <FONT STYLE="letter-spacing: 0.5pt">soon</FONT></FONT></P>

<P STYLE="font: 16pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 18pt; letter-spacing: 0.5pt">a</FONT><FONT STYLE="font-size: 18pt">s
<FONT STYLE="letter-spacing: 0.5pt">possible.</FONT></FONT></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 7%; padding-right: 5.4pt; padding-left: 16px; font-size: 10pt; vertical-align: bottom"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 22px; width: 7px"></TD>
    <TD STYLE="text-align: center; width: 82%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 8pt; color: #231F20">Please
    detach along perforated line and mail in the envelope provided <U>IF</U> you are not voting via the Internet.</FONT></TD>
    <TD STYLE="text-align: left; width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; vertical-align: bottom"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 22px; width: 7px"></TD>
    <TD STYLE="width: 1%"></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

<DIV STYLE="border: Black 1pt solid">

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 7pt"><B>THE
BOARD OF DIRECTORS RECOMMENDS A VOTE &ldquo;FOR&rdquo; THE ELECTION OF DIRECTORS</B></FONT></P>

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 7pt"><B>AND
&ldquo;FOR&rdquo; ITEMS 2  AND 3.</B></FONT></P>

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 7pt"><B>PLEASE
SIGN, DATE AND RETURN PROMPTLY IN THE ENCLOSED ENVELOPE. PLEASE MARK YOUR VOTE IN BLUE OR BLACK INK AS SHOWN HERE: </B>&#9746;</FONT></P>

</DIV>

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; margin: 0 0 0 35.9pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD><FONT STYLE="font-size: 7pt; text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt; text-transform: uppercase">For</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt; text-transform: uppercase">Against</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt; text-transform: uppercase">Abstain</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">1.</FONT></TD>
    <TD STYLE="width: 22%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">Election
    of Directors</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">FOR</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">AGAINST</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; width: 9%"><FONT STYLE="font-size: 7pt">ABSTAIN</FONT></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="width: 47%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">Daniela A. Mielke</FONT></TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; width: 4%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">James J.
    McEntee III</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">Stephanie B. Mudick</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
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    </TR>
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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Michael J. Bradley</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Matthew N. Cohn&nbsp;</FONT></P></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">2.</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt; letter-spacing: 0.15pt">Proposa</FONT><FONT STYLE="font-size: 8pt">l <FONT STYLE="letter-spacing: 0.15pt">t</FONT>o <FONT STYLE="letter-spacing: 0.15pt">approv</FONT>e a <FONT STYLE="letter-spacing: 0.15pt">non-bindin</FONT>g <FONT STYLE="letter-spacing: 0.15pt">advisor</FONT>y <FONT STYLE="letter-spacing: 0.15pt">vot</FONT>e <FONT STYLE="letter-spacing: 0.15pt">o</FONT>n <FONT STYLE="letter-spacing: 0.15pt">the </FONT>Company<FONT STYLE="letter-spacing: -0.15pt">&rsquo;</FONT>s compensation program for its named executive <FONT STYLE="letter-spacing: 0.15pt">o</FONT>f<FONT STYLE="letter-spacing: 0.15pt">ficers</FONT></FONT><FONT STYLE="letter-spacing: 0.15pt">.&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle">&nbsp;<FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle">&nbsp;<FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Cheryl D. Creuzot</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">John M. Eggemeyer&nbsp;</FONT></P></TD>

    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">3.</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt; letter-spacing: 0.05pt">Proposa</FONT><FONT STYLE="font-size: 8pt">l
<FONT STYLE="letter-spacing: 0.05pt">t</FONT>o <FONT STYLE="letter-spacing: 0.05pt">approv</FONT>e <FONT STYLE="letter-spacing: 0.05pt">th</FONT>e
<FONT STYLE="letter-spacing: 0.05pt">selectio</FONT>n <FONT STYLE="letter-spacing: 0.05pt">o</FONT>f <FONT STYLE="letter-spacing: 0.05pt">Gran</FONT>t
<FONT STYLE="letter-spacing: 0.05pt">Thornto</FONT>n <FONT STYLE="letter-spacing: 0.05pt">LL</FONT>P <FONT STYLE="letter-spacing: 0.05pt">as
independen</FONT>t <FONT STYLE="letter-spacing: 0.15pt">publi</FONT>c <FONT STYLE="letter-spacing: 0.15pt">accountant</FONT>s <FONT STYLE="letter-spacing: 0.15pt">fo</FONT>r
<FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">Compan</FONT>y <FONT STYLE="letter-spacing: 0.15pt">fo</FONT>r
<FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">fiscal yea</FONT>r <FONT STYLE="letter-spacing: 0.15pt">endin</FONT>g
<FONT STYLE="letter-spacing: 0.15pt">Decembe</FONT>r <FONT STYLE="letter-spacing: 0.15pt">31</FONT>, <FONT STYLE="letter-spacing: 0.15pt">2022.&nbsp;</FONT></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Hersh Kozlov</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Damian M. Kozlowski</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">William H. Lamb</FONT></P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>&#9744;</TD>

    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>&#9744;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">4.</TD>
    <TD COLSPAN="5" STYLE="text-align: justify; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt"><FONT STYLE="letter-spacing: 0.15pt">I</FONT>n <FONT STYLE="letter-spacing: 0.15pt">thei</FONT>r <FONT STYLE="letter-spacing: 0.15pt">discretion</FONT>, <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">proxie</FONT>s <FONT STYLE="letter-spacing: 0.15pt">ar</FONT>e <FONT STYLE="letter-spacing: 0.15pt">authorize</FONT>d <FONT STYLE="letter-spacing: 0.15pt">t</FONT>o <FONT STYLE="letter-spacing: 0.15pt">vot</FONT>e <FONT STYLE="letter-spacing: 0.15pt">upo</FONT>n <FONT STYLE="letter-spacing: 0.15pt">suc</FONT>h <FONT STYLE="letter-spacing: 0.15pt">othe</FONT>r <FONT STYLE="letter-spacing: 0.15pt">business a</FONT>s <FONT STYLE="letter-spacing: 0.15pt">ma</FONT>y <FONT STYLE="letter-spacing: 0.15pt">properl</FONT>y <FONT STYLE="letter-spacing: 0.15pt">com</FONT>e <FONT STYLE="letter-spacing: 0.15pt">befor</FONT>e <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">meetin</FONT>g <FONT STYLE="letter-spacing: 0.15pt">an</FONT>d <FONT STYLE="letter-spacing: 0.15pt">an</FONT>y <FONT STYLE="letter-spacing: 0.15pt">adjournment</FONT>, <FONT STYLE="letter-spacing: 0.15pt">postponement o</FONT>r <FONT STYLE="letter-spacing: 0.15pt">continuatio</FONT>n <FONT STYLE="letter-spacing: 0.15pt">thereof</FONT>. <FONT STYLE="letter-spacing: 0.15pt"><B>Thi</B></FONT><B>s <FONT STYLE="letter-spacing: 0.15pt">prox</FONT>y <FONT STYLE="letter-spacing: 0.15pt">i</FONT>s <FONT STYLE="letter-spacing: 0.15pt">solicite</FONT>d <FONT STYLE="letter-spacing: 0.15pt">o</FONT>n <FONT STYLE="letter-spacing: 0.15pt">behal</FONT>f <FONT STYLE="letter-spacing: 0.15pt">o</FONT>f <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">Boar</FONT>d <FONT STYLE="letter-spacing: 0.15pt">of Director</FONT>s <FONT STYLE="letter-spacing: 0.15pt">o</FONT>f <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">Compan</FONT><FONT STYLE="letter-spacing: -0.45pt">y</FONT>. <FONT STYLE="letter-spacing: 0.15pt">Thi</FONT>s <FONT STYLE="letter-spacing: 0.15pt">prox</FONT><FONT STYLE="letter-spacing: -0.45pt">y</FONT>, <FONT STYLE="letter-spacing: 0.15pt">whe</FONT>n <FONT STYLE="letter-spacing: 0.15pt">properl</FONT>y <FONT STYLE="letter-spacing: 0.15pt">executed</FONT>, <FONT STYLE="letter-spacing: 0.05pt">wil</FONT>l <FONT STYLE="letter-spacing: 0.05pt">be vote</FONT>d <FONT STYLE="letter-spacing: 0.05pt">i</FONT>n <FONT STYLE="letter-spacing: 0.05pt">accordanc</FONT>e <FONT STYLE="letter-spacing: 0.05pt">wit</FONT>h <FONT STYLE="letter-spacing: 0.05pt">th</FONT>e <FONT STYLE="letter-spacing: 0.05pt">instruction</FONT>s <FONT STYLE="letter-spacing: 0.05pt">give</FONT>n <FONT STYLE="letter-spacing: 0.05pt">above</FONT>. <FONT STYLE="letter-spacing: 0.05pt">I</FONT>f <FONT STYLE="letter-spacing: 0.05pt">n</FONT>o <FONT STYLE="letter-spacing: 0.05pt">instructions ar</FONT>e <FONT STYLE="letter-spacing: 0.05pt">given</FONT>, <FONT STYLE="letter-spacing: 0.05pt">thi</FONT>s <FONT STYLE="letter-spacing: 0.05pt">prox</FONT>y <FONT STYLE="letter-spacing: 0.05pt">wil</FONT>l <FONT STYLE="letter-spacing: 0.05pt">b</FONT>e <FONT STYLE="letter-spacing: 0.05pt">vote</FONT>d <FONT STYLE="letter-spacing: 0.05pt">&quot;FOR</FONT>&quot; <FONT STYLE="letter-spacing: 0.05pt">electio</FONT>n <FONT STYLE="letter-spacing: 0.05pt">o</FONT>f <FONT STYLE="letter-spacing: 0.05pt">th</FONT>e <FONT STYLE="letter-spacing: 0.05pt">Director</FONT>s <FONT STYLE="letter-spacing: 0.05pt">and &quot;FOR</FONT>&quot; <FONT STYLE="letter-spacing: 0.05pt">proposal</FONT>s 2 <FONT STYLE="letter-spacing: 0.05pt">an</FONT>d <FONT STYLE="letter-spacing: 0.05pt">3.</FONT></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
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    <TD></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
<FONT STYLE="background-color: white"><B> </B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="font: 10pt/86% Times New Roman, Times, Serif; margin: 7.95pt 1.9pt 0 6pt; text-align: justify; text-indent: -0.05pt; color: #231F20"><FONT STYLE="font-size: 7pt; letter-spacing: -0.4pt">To
                                         </FONT><FONT STYLE="font-size: 7pt">change the address on your account, please check
                                         the box at right and indicate your new address in the address space above. Please note
                                         that changes to the registered name(s) on
                                         the account may not be submitted via this
                                         method.</FONT></P></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font-size: 12pt">&#9744;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD></TR>
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<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 17%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Signature of Stockholder</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 22%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Date:</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 17%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Signature of Stockholder</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 19%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 6%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Date:</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 7%">&nbsp;</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 7pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 7pt"><B>Note:
</B>Please sign exactly as your name or names appear on this Proxy. When shares are held jointly, each holder should sign. When
signing as executor, administrator, attorney, trustee or guardian, please give full title as such. If the signer is a corporation,
please sign full corporate name by duly authorized officer, giving full title as such. If signer is a partnership, please sign
in partnership name by authorized person.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.8pt 64.6pt 0 65.55pt; text-align: center; color: #231F20"><FONT STYLE="font-size: 14pt"><B>THE
<FONT STYLE="letter-spacing: -0.25pt">B</FONT>ANCOR<FONT STYLE="letter-spacing: -2.55pt">P</FONT>, IN<FONT STYLE="letter-spacing: 0.25pt">C</FONT>.</B></FONT></P>

<P STYLE="font: 10pt/5pt Times New Roman, Times, Serif; margin: 0.4pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt/122% Times New Roman, Times, Serif; margin-top: 5.4pt; margin-bottom: 0; text-align: center; color: #231F20"><FONT STYLE="font-size: 12pt"><B>ANNUAL
MEETING OF S<FONT STYLE="letter-spacing: -0.2pt">T</FONT>OCKHOLDERS <FONT STYLE="letter-spacing: -0.2pt">T</FONT>O BE HELD ON M<FONT STYLE="letter-spacing: -1.1pt">A</FONT>Y
25, 2022</B></FONT></P>

<P STYLE="font: bold 10pt/122% Times New Roman, Times, Serif; margin-top: 5.4pt; margin-bottom: 0; text-align: center; color: #231F20"><FONT STYLE="font-size: 12pt"><B>THIS
PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIREC<FONT STYLE="letter-spacing: -0.2pt">T</FONT>ORS</B></FONT></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0.2pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/130% Times New Roman, Times, Serif; margin: 7.05pt 4.9pt 0 5.9pt; text-align: justify; text-indent: 25.8pt; color: #231F20"><FONT STYLE="letter-spacing: 0.2pt">Th</FONT>e
<FONT STYLE="letter-spacing: 0.2pt">undersigne</FONT>d <FONT STYLE="letter-spacing: 0.2pt">hereb</FONT>y <FONT STYLE="letter-spacing: 0.2pt">appoint</FONT>s
<FONT STYLE="letter-spacing: 0.2pt">Damia</FONT>n <FONT STYLE="letter-spacing: 0.2pt">M</FONT>. <FONT STYLE="letter-spacing: 0.2pt">Kozlowsk</FONT>i
<FONT STYLE="letter-spacing: 0.2pt">an</FONT>d <FONT STYLE="letter-spacing: 0.2pt">Pau</FONT>l <FONT STYLE="letter-spacing: 0.2pt">Frenkie</FONT>l
<FONT STYLE="letter-spacing: 0.2pt">a</FONT>s <FONT STYLE="letter-spacing: 0.2pt">proxies</FONT>, <FONT STYLE="letter-spacing: 0.2pt">each
wit</FONT>h <FONT STYLE="letter-spacing: 0.2pt">ful</FONT>l <FONT STYLE="letter-spacing: 0.2pt">powe</FONT>r <FONT STYLE="letter-spacing: 0.2pt">o</FONT>f
<FONT STYLE="letter-spacing: 0.2pt">substitution</FONT>, <FONT STYLE="letter-spacing: 0.2pt">t</FONT>o <FONT STYLE="letter-spacing: 0.2pt">represen</FONT>t
<FONT STYLE="letter-spacing: 0.2pt">an</FONT>d <FONT STYLE="letter-spacing: 0.2pt">vot</FONT>e <FONT STYLE="letter-spacing: 0.2pt">a</FONT>s
<FONT STYLE="letter-spacing: 0.2pt">designate</FONT>d <FONT STYLE="letter-spacing: 0.2pt">o</FONT>n <FONT STYLE="letter-spacing: 0.2pt">th</FONT>e
<FONT STYLE="letter-spacing: 0.2pt">revers</FONT>e <FONT STYLE="letter-spacing: 0.2pt">side</FONT>, <FONT STYLE="letter-spacing: 0.2pt">al</FONT>l
<FONT STYLE="letter-spacing: 0.2pt">the share</FONT>s <FONT STYLE="letter-spacing: 0.2pt">o</FONT>f <FONT STYLE="letter-spacing: 0.2pt">commo</FONT>n
<FONT STYLE="letter-spacing: 0.2pt">stock</FONT>, <FONT STYLE="letter-spacing: 0.2pt">pa</FONT>r <FONT STYLE="letter-spacing: 0.2pt">valu</FONT>e
<FONT STYLE="letter-spacing: 0.2pt">$1.0</FONT>0 <FONT STYLE="letter-spacing: 0.2pt">pe</FONT>r <FONT STYLE="letter-spacing: 0.2pt">share</FONT>,
<FONT STYLE="letter-spacing: 0.2pt">o</FONT>f <FONT STYLE="letter-spacing: 0.2pt">Th</FONT>e <FONT STYLE="letter-spacing: 0.2pt">Bancorp</FONT>,
<FONT STYLE="letter-spacing: 0.2pt">Inc</FONT>. <FONT STYLE="letter-spacing: 0.2pt">(th</FONT>e <FONT STYLE="letter-spacing: 0.2pt">&ldquo;Company&rdquo;</FONT>)
<FONT STYLE="letter-spacing: 0.2pt">hel</FONT>d <FONT STYLE="letter-spacing: 0.2pt">of recor</FONT>d <FONT STYLE="letter-spacing: 0.2pt">b</FONT>y
<FONT STYLE="letter-spacing: 0.2pt">th</FONT>e <FONT STYLE="letter-spacing: 0.2pt">undersigne</FONT>d <FONT STYLE="letter-spacing: 0.2pt">o</FONT>n
<FONT STYLE="letter-spacing: 0.2pt">Marc</FONT>h <FONT STYLE="letter-spacing: 0.2pt">28</FONT>, <FONT STYLE="letter-spacing: 0.2pt">2022</FONT>,
<FONT STYLE="letter-spacing: 0.2pt">a</FONT>t <FONT STYLE="letter-spacing: 0.2pt">th</FONT>e <FONT STYLE="letter-spacing: 0.2pt">Annua</FONT>l
<FONT STYLE="letter-spacing: 0.2pt">Meetin</FONT>g <FONT STYLE="letter-spacing: 0.2pt">o</FONT>f <FONT STYLE="letter-spacing: 0.2pt">Stockholder</FONT>s
<FONT STYLE="letter-spacing: 0.2pt">t</FONT>o <FONT STYLE="letter-spacing: 0.2pt">b</FONT>e <FONT STYLE="letter-spacing: 0.2pt">held a</FONT>t
<FONT STYLE="letter-spacing: 0.2pt">40</FONT>9 <FONT STYLE="letter-spacing: 0.2pt">Silversid</FONT>e <FONT STYLE="letter-spacing: 0.2pt">Road</FONT>,
<FONT STYLE="letter-spacing: 0.2pt">Suit</FONT>e <FONT STYLE="letter-spacing: 0.2pt">105</FONT>, <FONT STYLE="letter-spacing: 0.2pt">Wilmington</FONT>,
<FONT STYLE="letter-spacing: 0.2pt">Delawar</FONT>e <FONT STYLE="letter-spacing: 0.2pt">19809</FONT>, on May 25, 2022, or any adjournment,
<FONT STYLE="letter-spacing: 0.15pt">postponemen</FONT>t <FONT STYLE="letter-spacing: 0.15pt">o</FONT>r <FONT STYLE="letter-spacing: 0.15pt">continuatio</FONT>n
<FONT STYLE="letter-spacing: 0.15pt">thereof</FONT>.</P>

<P STYLE="font: 10pt/8pt Times New Roman, Times, Serif; margin: 0.15pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 8.3pt; margin-bottom: 0; text-align: center; color: #231F20"><FONT STYLE="font-size: 12pt"><B>(Continued
and to be signed on the reverse side)</B></FONT></P>

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

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

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

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<DIV STYLE="font: bold 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">ANNUAL MEETING OF STOCKHOLDERS OF</DIV>
  <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt"><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt"><DIV STYLE="font: bold 24pt Arial-BoldMT, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">&#160;</FONT></DIV>
      <DIV STYLE="font: bold 24pt Arial-BoldMT, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-size: 16pt">THE
      BANCORP, INC.</FONT></DIV>
    </DIV>
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    <DIV STYLE="font: bold 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">May 25, 2022</DIV>
    <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
    <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">
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              <DIV STYLE="font: bold 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">PROXY VOTING INSTRUCTIONS</DIV>
            </TD>
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              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
            </TD>
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    <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
    <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">
      <TABLE ID="z71e6219f987d42bca30374a8de550662" BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, serif; width: 100%">

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                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: justify; margin-bottom: 0pt"><FONT STYLE="font: normal bold 10pt Times New Roman, Times, serif"><U>INTERNET</U><FONT STYLE="font: normal bold 10pt Times New Roman, Times, serif"> </FONT></FONT><FONT STYLE="font: bold 10pt Times New Roman, Times, serif">- </FONT>Access &ldquo;<FONT STYLE="font: bold 10pt Times New Roman, Times, serif">www.voteproxy.com</FONT>&rdquo; and follow the on-screen instructions or scan the QR code with your smartphone. Have your proxy card available when you access the web page.</DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: justify; margin-bottom: 0pt"></DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: justify; margin-bottom: 0pt">Vote online until 11:59 PM EST the day before the meeting.</DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</DIV>
              </DIV>
            </TD>
            <TD STYLE="width: 8%">
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            </TD>
            <TD STYLE="width: 24%; vertical-align: top; text-align: left">
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              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
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          <TR>
            <TD STYLE="padding-bottom: 2px">
              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: justify; margin-bottom: 0pt"><FONT STYLE="font: bold 10pt Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; font-variant: normal; font-weight: bold; font-style: normal"><U>MAIL</U><FONT STYLE="font: normal bold 10pt Times New Roman, Times, serif">
                      </FONT></FONT>- </FONT>Sign, date and mail your proxy card in the envelope provided as soon as possible.</DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: justify; margin-bottom: 0pt"><FONT STYLE="font: bold 10pt Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; font-variant: normal; font-weight: bold; font-style: normal"><U>IN
                PERSON</U></FONT> - </FONT>You may vote your shares in person by attending the Annual Meeting.</DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</DIV>
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            </TD>
            <TD STYLE="padding-bottom: 2px">
            </TD>
            <TD STYLE="border: #000000 2px solid; vertical-align: middle; text-align: center">
              <DIV STYLE="font: bold 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">COMPANY NUMBER</DIV>
            </TD>
            <TD STYLE="border-top: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid">
            </TD>
          </TR>
          <TR STYLE="height: 16px">
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              <DIV STYLE="font: 10pt Times New Roman, Times, serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font: bold 10pt Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; font-variant: normal; font-weight: bold; font-style: normal"><U>GO GREEN</U></FONT> - </FONT>e-Consent makes it easy to go paperless. With e-Consent, you can quickly access your proxy materials, statements and other eligible documents online, while reducing costs, clutter and paper waste. Enroll today via www.astfinancial.com to enjoy online access.</DIV> </TD>
            <TD STYLE="padding-bottom: 2px">&#160;</TD>
            <TD STYLE="border-right: #000000 2px solid; border-bottom: #000000 2px solid; border-left: #000000 2px solid">
              <DIV STYLE="font: bold 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">ACCOUNT NUMBER</DIV>
            </TD>
            <TD STYLE="border-right: #000000 2px solid; border-bottom: #000000 2px solid">
              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>

              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
            </TD>
          </TR>
          <TR>
            <TD STYLE="padding-bottom: 2px">&#160;</TD>
            <TD STYLE="border-right: #000000 2px solid; border-bottom: #000000 2px solid; border-left: #000000 2px solid; background-color: #d4d4d4">&#160;</TD>
          </TR>

      </TABLE>
    </DIV>
    <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">&#160;</DIV>
    <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">
      <TABLE ID="z2ab4c7eb5f9e44e3a3d5ceaac1700658" BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, serif; width: 100%">

          <TR>
            <TD STYLE="border: #000000 2px solid; width: 100%">
              <DIV STYLE="margin-top: 0pt; margin-bottom: 0pt">
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, serif; font-size: 10pt"><B><U>IMPORTANT
NOTICE REGARDING THE AVAILABILITY OF PROXY MATERIALS</U></B></FONT></DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, serif; font-size: 10pt"><B><U>FOR
                THE STOCKHOLDER MEETING TO BE HELD ON MAY 25, 2022</U></B></FONT><U>:</U></DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">The Notice of Annual Meeting,
                Proxy Statement, Annual Report and Proxy Card</DIV>
                <DIV STYLE="font: 10pt Times New Roman, Times, serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">are available at - https://investors.thebancorp.com/financial-information/proxy-materials/default.aspx</DIV></DIV></TD></TR></TABLE></DIV></DIV>


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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 7%; padding-right: 5.4pt; padding-left: 16px; font-size: 10pt; vertical-align: bottom"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 22px; width: 7px"></TD>
    <TD STYLE="text-align: center; width: 82%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 8pt; color: #231F20">Please
    detach along perforated line and mail in the envelope provided <U>IF</U> you are not voting via the Internet.</FONT></TD>
    <TD STYLE="text-align: left; width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; vertical-align: bottom"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 22px; width: 7px"></TD>
    <TD STYLE="width: 1%"></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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

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

<DIV STYLE="border: Black 1pt solid">

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 7pt"><B>THE
BOARD OF DIRECTORS RECOMMENDS A VOTE &ldquo;FOR&rdquo; THE ELECTION OF DIRECTORS</B></FONT></P>

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 7pt"><B>AND
&ldquo;FOR&rdquo; ITEMS   2 AND 3.</B></FONT></P>

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 7pt"><B>PLEASE
SIGN, DATE AND RETURN PROMPTLY IN THE ENCLOSED ENVELOPE. PLEASE MARK YOUR VOTE IN BLUE OR BLACK INK AS SHOWN HERE: </B>&#9746;</FONT></P>

</DIV>

<P STYLE="font: 10pt/7.95pt Times New Roman, Times, Serif; margin: 0 0 0 35.9pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="background-color: White"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="background-color: White"></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD><FONT STYLE="font-size: 7pt; text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt; text-transform: uppercase">For</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt; text-transform: uppercase">Against</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt; text-transform: uppercase">Abstain</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">1.</FONT></TD>
    <TD STYLE="width: 22%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">Election
    of Directors</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">FOR</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 7pt">AGAINST</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; width: 9%"><FONT STYLE="font-size: 7pt">ABSTAIN</FONT></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="width: 47%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">Daniela A. Mielke</FONT></TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; width: 4%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">James J.
    McEntee III</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">Stephanie B. Mudick</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Michael J. Bradley</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Matthew N. Cohn&nbsp;</FONT></P></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">2.</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt; letter-spacing: 0.15pt">Proposa</FONT><FONT STYLE="font-size: 8pt">l <FONT STYLE="letter-spacing: 0.15pt">t</FONT>o <FONT STYLE="letter-spacing: 0.15pt">approv</FONT>e a <FONT STYLE="letter-spacing: 0.15pt">non-bindin</FONT>g <FONT STYLE="letter-spacing: 0.15pt">advisor</FONT>y <FONT STYLE="letter-spacing: 0.15pt">vot</FONT>e <FONT STYLE="letter-spacing: 0.15pt">o</FONT>n <FONT STYLE="letter-spacing: 0.15pt">the </FONT>Company<FONT STYLE="letter-spacing: -0.15pt">&rsquo;</FONT>s compensation program for its named executive <FONT STYLE="letter-spacing: 0.15pt">o</FONT>f<FONT STYLE="letter-spacing: 0.15pt">ficers</FONT></FONT><FONT STYLE="letter-spacing: 0.15pt">.&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle">&nbsp;<FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle">&nbsp;<FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Cheryl D. Creuzot</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">John M. Eggemeyer&nbsp;</FONT></P></TD>

    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P></TD>
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                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">3.</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt; letter-spacing: 0.05pt">Proposa</FONT><FONT STYLE="font-size: 8pt">l
<FONT STYLE="letter-spacing: 0.05pt">t</FONT>o <FONT STYLE="letter-spacing: 0.05pt">approv</FONT>e <FONT STYLE="letter-spacing: 0.05pt">th</FONT>e
<FONT STYLE="letter-spacing: 0.05pt">selectio</FONT>n <FONT STYLE="letter-spacing: 0.05pt">o</FONT>f <FONT STYLE="letter-spacing: 0.05pt">Gran</FONT>t
<FONT STYLE="letter-spacing: 0.05pt">Thornto</FONT>n <FONT STYLE="letter-spacing: 0.05pt">LL</FONT>P <FONT STYLE="letter-spacing: 0.05pt">as
independen</FONT>t <FONT STYLE="letter-spacing: 0.15pt">publi</FONT>c <FONT STYLE="letter-spacing: 0.15pt">accountant</FONT>s <FONT STYLE="letter-spacing: 0.15pt">fo</FONT>r
<FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">Compan</FONT>y <FONT STYLE="letter-spacing: 0.15pt">fo</FONT>r
<FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">fiscal yea</FONT>r <FONT STYLE="letter-spacing: 0.15pt">endin</FONT>g
<FONT STYLE="letter-spacing: 0.15pt">Decembe</FONT>r <FONT STYLE="letter-spacing: 0.15pt">31</FONT>, <FONT STYLE="letter-spacing: 0.15pt">2022.&nbsp;</FONT></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&#9744;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt"></FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Hersh Kozlov</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">Damian M. Kozlowski</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">William H. Lamb</FONT></P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>&#9744;</TD>

    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
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                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>&#9744;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&#9744;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>&#9744;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">4.</TD>
    <TD COLSPAN="5" STYLE="text-align: justify; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt"><FONT STYLE="letter-spacing: 0.15pt">I</FONT>n <FONT STYLE="letter-spacing: 0.15pt">thei</FONT>r <FONT STYLE="letter-spacing: 0.15pt">discretion</FONT>, <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">proxie</FONT>s <FONT STYLE="letter-spacing: 0.15pt">ar</FONT>e <FONT STYLE="letter-spacing: 0.15pt">authorize</FONT>d <FONT STYLE="letter-spacing: 0.15pt">t</FONT>o <FONT STYLE="letter-spacing: 0.15pt">vot</FONT>e <FONT STYLE="letter-spacing: 0.15pt">upo</FONT>n <FONT STYLE="letter-spacing: 0.15pt">suc</FONT>h <FONT STYLE="letter-spacing: 0.15pt">othe</FONT>r <FONT STYLE="letter-spacing: 0.15pt">business a</FONT>s <FONT STYLE="letter-spacing: 0.15pt">ma</FONT>y <FONT STYLE="letter-spacing: 0.15pt">properl</FONT>y <FONT STYLE="letter-spacing: 0.15pt">com</FONT>e <FONT STYLE="letter-spacing: 0.15pt">befor</FONT>e <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">meetin</FONT>g <FONT STYLE="letter-spacing: 0.15pt">an</FONT>d <FONT STYLE="letter-spacing: 0.15pt">an</FONT>y <FONT STYLE="letter-spacing: 0.15pt">adjournment</FONT>, <FONT STYLE="letter-spacing: 0.15pt">postponement o</FONT>r <FONT STYLE="letter-spacing: 0.15pt">continuatio</FONT>n <FONT STYLE="letter-spacing: 0.15pt">thereof</FONT>. <FONT STYLE="letter-spacing: 0.15pt"><B>Thi</B></FONT><B>s <FONT STYLE="letter-spacing: 0.15pt">prox</FONT>y <FONT STYLE="letter-spacing: 0.15pt">i</FONT>s <FONT STYLE="letter-spacing: 0.15pt">solicite</FONT>d <FONT STYLE="letter-spacing: 0.15pt">o</FONT>n <FONT STYLE="letter-spacing: 0.15pt">behal</FONT>f <FONT STYLE="letter-spacing: 0.15pt">o</FONT>f <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">Boar</FONT>d <FONT STYLE="letter-spacing: 0.15pt">of Director</FONT>s <FONT STYLE="letter-spacing: 0.15pt">o</FONT>f <FONT STYLE="letter-spacing: 0.15pt">th</FONT>e <FONT STYLE="letter-spacing: 0.15pt">Compan</FONT><FONT STYLE="letter-spacing: -0.45pt">y</FONT>. <FONT STYLE="letter-spacing: 0.15pt">Thi</FONT>s <FONT STYLE="letter-spacing: 0.15pt">prox</FONT><FONT STYLE="letter-spacing: -0.45pt">y</FONT>, <FONT STYLE="letter-spacing: 0.15pt">whe</FONT>n <FONT STYLE="letter-spacing: 0.15pt">properl</FONT>y <FONT STYLE="letter-spacing: 0.15pt">executed</FONT>, <FONT STYLE="letter-spacing: 0.05pt">wil</FONT>l <FONT STYLE="letter-spacing: 0.05pt">be vote</FONT>d <FONT STYLE="letter-spacing: 0.05pt">i</FONT>n <FONT STYLE="letter-spacing: 0.05pt">accordanc</FONT>e <FONT STYLE="letter-spacing: 0.05pt">wit</FONT>h <FONT STYLE="letter-spacing: 0.05pt">th</FONT>e <FONT STYLE="letter-spacing: 0.05pt">instruction</FONT>s <FONT STYLE="letter-spacing: 0.05pt">give</FONT>n <FONT STYLE="letter-spacing: 0.05pt">above</FONT>. <FONT STYLE="letter-spacing: 0.05pt">I</FONT>f <FONT STYLE="letter-spacing: 0.05pt">n</FONT>o <FONT STYLE="letter-spacing: 0.05pt">instructions ar</FONT>e <FONT STYLE="letter-spacing: 0.05pt">given</FONT>, <FONT STYLE="letter-spacing: 0.05pt">thi</FONT>s <FONT STYLE="letter-spacing: 0.05pt">prox</FONT>y <FONT STYLE="letter-spacing: 0.05pt">wil</FONT>l <FONT STYLE="letter-spacing: 0.05pt">b</FONT>e <FONT STYLE="letter-spacing: 0.05pt">vote</FONT>d <FONT STYLE="letter-spacing: 0.05pt">&quot;FOR</FONT>&quot; <FONT STYLE="letter-spacing: 0.05pt">electio</FONT>n <FONT STYLE="letter-spacing: 0.05pt">o</FONT>f <FONT STYLE="letter-spacing: 0.05pt">th</FONT>e <FONT STYLE="letter-spacing: 0.05pt">Director</FONT>s <FONT STYLE="letter-spacing: 0.05pt">and &quot;FOR</FONT>&quot; <FONT STYLE="letter-spacing: 0.05pt">proposal</FONT>s 2 <FONT STYLE="letter-spacing: 0.05pt">an</FONT>d <FONT STYLE="letter-spacing: 0.05pt">3.</FONT></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top">&nbsp;</TD>
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    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top">&nbsp;</TD></TR>
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    <TD>&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
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    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
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</TD>
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
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    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt; vertical-align: top">&nbsp;<FONT STYLE="font-size: 8pt"></FONT></TD>
    </TR>
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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"></TD>
    <TD></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>
<FONT STYLE="background-color: white"><B> </B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt"><P STYLE="font: 10pt/86% Times New Roman, Times, Serif; margin: 7.95pt 1.9pt 0 6pt; text-align: justify; text-indent: -0.05pt; color: #231F20"><FONT STYLE="font-size: 7pt; letter-spacing: -0.4pt">To
                                         </FONT><FONT STYLE="font-size: 7pt">change the address on your account, please check
                                         the box at right and indicate your new address in the address space above. Please note
                                         that changes to the registered name(s) on
                                         the account may not be submitted via this
                                         method.</FONT></P></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; vertical-align: middle"><FONT STYLE="font-size: 12pt">&#9744;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 7.95pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="background-color: White"></FONT></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 17%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Signature of Stockholder</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 22%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Date:</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 17%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Signature of Stockholder</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 19%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 6%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle"><FONT STYLE="font-size: 7pt">Date:</FONT></TD>
    <TD STYLE="border: Black 1pt solid; width: 7%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 7pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 7pt"><B>Note:
</B>Please sign exactly as your name or names appear on this Proxy. When shares are held jointly, each holder should sign. When
signing as executor, administrator, attorney, trustee or guardian, please give full title as such. If the signer is a corporation,
please sign full corporate name by duly authorized officer, giving full title as such. If signer is a partnership, please sign
in partnership name by authorized person.</FONT></P>

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

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

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

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

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

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begin 644 image_003.jpg
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<DOCUMENT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
