<SEC-DOCUMENT>0000943374-24-000297.txt : 20240628
<SEC-HEADER>0000943374-24-000297.hdr.sgml : 20240628
<ACCEPTANCE-DATETIME>20240628163728
ACCESSION NUMBER:		0000943374-24-000297
CONFORMED SUBMISSION TYPE:	11-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240628
DATE AS OF CHANGE:		20240628

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BERKSHIRE HILLS BANCORP INC
		CENTRAL INDEX KEY:			0001108134
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				043510455
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		11-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15781
		FILM NUMBER:		241086340

	BUSINESS ADDRESS:	
		STREET 1:		60 STATE STREET
		STREET 2:		38TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02109
		BUSINESS PHONE:		617-641-9206

	MAIL ADDRESS:	
		STREET 1:		60 STATE STREET
		STREET 2:		38TH FLOOR
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02109
</SEC-HEADER>
<DOCUMENT>
<TYPE>11-K
<SEQUENCE>1
<FILENAME>form11k_2023.htm
<DESCRIPTION>BERKSHIRE HILLS BANCORP, INC. FORM 11-K DECEMBER 31, 2023
<TEXT>
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    <div style="text-align: center; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div><br>
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    <div style="text-align: center; font-weight: bold;">FORM 11-K</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS</div>
    <div style="text-align: center; font-weight: bold;">AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
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    <table cellspacing="0" cellpadding="0" id="z3b0aaebb7c06451db253debe4182ea54" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <div>ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.</div>
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    <div style="text-align: justify;">For the fiscal year ended <u>December 31, 2023</u></div>
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    <div style="text-align: center; font-weight: bold;">OR</div>
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          <td style="width: 36pt; vertical-align: top;">&#9744;</td>
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            <div>TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.</div>
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    <div>For the transition period from _______________ to _______________</div>
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    <div style="text-align: center; font-weight: bold;">Commission File Number <u>001-15781</u></div>
    <div><br>
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    <div style="text-indent: 36pt;">A.&#160; Full title of the plan and the address of the plan, if different from that of the issuer named below:</div>
    <div><br>
    </div>
    <div style="text-align: center;">Berkshire Bank 401(k) Plan</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">B:&#160; Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:</div>
    <div><br>
    </div>
    <div style="text-align: center;">Berkshire Hills Bancorp, Inc.</div>
    <div style="text-align: center;">60 State Street</div>
    <div style="text-align: center;">Boston, Massachusetts 01209</div>
    <div style="text-align: center;"> <br>
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        <div style="font-family: 'Times New Roman',Times,serif; font-size: 24pt; font-weight: bold;">&#160;BERKSHIRE BANK 401(k) PLAN</div>
        <div style="text-align: justify;"><font style="font-size: 24pt; font-weight: bold;"> </font><br>
        </div>
        <div style="margin-bottom: 24pt;"><br>
        </div>
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      <br>
      <div>
        <div style="font-size: 12pt;"><u>FINANCIAL STATEMENTS</u></div>
        <div style="font-size: 12pt;"><u>AND</u></div>
        <div style="font-size: 12pt;"><u>SUPPLEMENTAL SCHEDULE</u></div>
        <div><br>
        </div>
        <div style="font-size: 12pt;">Years Ended December 31, 2023 and 2022</div>
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      <div><br>
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      <div style="margin-bottom: 12pt; font-size: 12pt;">TABLE OF CONTENTS</div>
      <div style="margin-bottom: 12pt; font-size: 12pt;">BERKSHIRE BANK 401(k) PLAN</div>
      <div><br>
      </div>
      <div style="font-size: 12pt;">Financial Statements and Supplemental Schedule</div>
      <div style="margin-bottom: 24pt; font-size: 12pt;">Years Ended December 31, 2023 and 2022</div>
      <div style="margin-bottom: 12pt;"><br>
      </div>
      <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 12pt;"></font>
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                <div style="text-align: justify; font-size: 12pt;">The following financial information is submitted herewith:</div>
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                <div style="text-align: center; font-size: 12pt;">Page</div>
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              <td style="width: 14.47%; vertical-align: top;" rowspan="1">&#160;</td>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;Report of Independent Registered Public Accounting Firm</div>
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                <div style="text-align: center; font-size: 12pt;">1-2</div>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;Statements of Net Assets Available for Benefits</div>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;&#160;&#160;As of December 31, 2023 and 2022</div>
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                <div style="text-align: center; font-size: 12pt;">3</div>
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              <td style="width: 14.47%; vertical-align: top;">&#160;</td>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;Statements of Changes in Net Assets Available for Benefits</div>
              </td>
              <td style="width: 14.47%; vertical-align: top;">&#160;</td>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;&#160;&#160;For the Years Ended December 31, 2023 and 2022</div>
              </td>
              <td style="width: 14.47%; vertical-align: top;">
                <div style="text-align: center; font-size: 12pt;">4</div>
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              <td style="width: 14.47%; vertical-align: top;">&#160;</td>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;Notes to Financial Statements</div>
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                <div style="text-align: center; font-size: 12pt;">5-14</div>
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              <td style="width: 14.47%; vertical-align: top;" rowspan="1">&#160;</td>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;Supplemental Schedule*:</div>
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              <td style="width: 14.47%; vertical-align: top;">&#160;</td>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;Schedule H, Line 4a- Schedule of Delinquent Participant Contributions</div>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;&#160;&#160;For the Year Ended December 31, 2023</div>
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                <div style="text-align: center; font-size: 12pt;">15</div>
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                <div style="text-align: justify; font-size: 12pt;"><font style="font-size: 10pt;">&#160;&#160;</font>Schedule H, Line 4i &#8211; Schedule</div>
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                <div style="text-align: justify; font-size: 12pt;">&#160;&#160;of Assets (Held at End of Year) December 31, 2023</div>
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                <div style="text-align: center; font-size: 12pt;">16</div>
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      <div style="text-align: justify; text-indent: -13.5pt; margin-left: 13.5pt; font-size: 12pt;">* Other schedules required by Section 2520.103-10 of the Department of Labor&#8217;s Rules and Regulations for Reporting and Disclosure under the Employee
        Retirement Income Security Act of 1974 have been omitted because they are not applicable.</div>
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      <div style="text-align: left; margin-left: 376.35pt; font-size: 8pt; font-weight: bold;">Crowe LLP</div>
      <div style="text-align: left; margin-left: 376.35pt; margin-top: 1.05pt; font-size: 8pt;">Independent Member Crowe Global</div>
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      <div style="margin-right: 0.05pt; margin-left: 0.05pt;">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
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      <div style="text-align: left; margin-right: 106.15pt; margin-left: 6.95pt;">Plan Participants and Plan Administrator of the Berkshire Bank 401(k) Plan </div>
      <div style="text-align: left; margin-right: 106.15pt; margin-left: 6.95pt;">Pittsfield, Massachusetts</div>
      <div style="margin-top: 11.45pt;"><br>
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      <div style="text-align: left; margin-left: 6.95pt; font-weight: bold;">Opinion on the Financial Statements</div>
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      <div style="text-align: justify; margin-right: 6.8pt; margin-left: 6.95pt;">We have audited the accompanying statements of net assets available for benefits of the Berkshire Bank 401(k) Plan (the &#8220;Plan&#8221;) as of December 31, 2023 and 2022, the related
        statements of changes in net assets available for benefits for the years then ended, and the related notes (collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects,
        the net assets available for benefits of the Plan as of December 31, 2023 and 2022, and the changes in net assets available for benefits for the years then ended, in conformity with accounting principles generally accepted in the United States of
        America.</div>
      <div style="margin-top: 0.05pt;"><br>
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      <div style="text-align: justify; margin-left: 7pt; font-weight: bold;">Basis for Opinion</div>
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      <div style="text-align: justify; margin-right: 6.8pt; margin-left: 7pt;">These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on the Plan's financial statements based on our audits.
        We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) ("PCAOB") and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the
        applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</div>
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      <div style="text-align: justify; margin-right: 6.8pt; margin-left: 7pt;">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether
        the financial statements are free of material misstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits, we are
        required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Plan&#8217;s internal control over financial reporting. Accordingly, we express no such opinion.</div>
      <div style="text-align: justify; margin-right: 6.8pt; margin-left: 7pt; margin-top: 11.5pt;">Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and
        performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used
        and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.</div>
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      <div style="margin-right: 0.05pt;">(Continued)</div>
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      <div style="text-align: justify; margin-left: 7pt; margin-top: 3.25pt; font-weight: bold;">Supplemental Information</div>
      <div style="text-align: justify; margin-right: 6.75pt; margin-left: 6.95pt; margin-top: 11.45pt;">The supplemental schedules of Schedule H, Lina 4a &#8211; Schedule of Delinquent Participant Contributions for the year ended December 31, 2023 and Schedule
        H, Line 4i &#8211; Schedule of Assets (Held at End of Year) as of December 31, 2023 have been subjected to audit procedures performed in conjunction with the audit of Berkshire Bank 401(k) Plan&#8217;s financial statements. The supplemental schedules are the
        responsibility of the Plan&#8217;s management. Our audit procedures included determining whether the information presented in the supplemental schedules reconciles to the financial statements or the underlying accounting and other records, as applicable,
        and performing procedures to test the completeness and accuracy of the information presented in the supplemental schedules. In forming our opinion on the supplemental schedules, we evaluated whether the supplemental schedules, including their form
        and content, are presented in conformity with the Department of Labor&#8217;s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental schedules are fairly stated in
        all material respects in relation to the financial statements as a whole.</div>
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      <div style="text-align: left;">&#160; <img width="123" height="23" src="image00010.jpg"></div>
      <div style="text-align: left; margin-top: 6.3pt; font-family: 'Times New Roman',Times,serif;">&#160; Crowe LLP</div>
      <div style="text-align: left; margin-top: 6.3pt; font-family: 'Times New Roman',Times,serif;"> <br>
      </div>
      <div style="text-align: left; margin-right: 240.55pt; margin-left: 6.95pt; margin-top: 2.5pt;">We have served as the Plan's auditor since 2017. </div>
      <div style="text-align: left; margin-right: 240.55pt; margin-left: 6.95pt; margin-top: 2.5pt;">Oak Brook, Illinois</div>
      <div style="text-align: left; margin-left: 6.95pt;">June 28, 2024</div>
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      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
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      <div style="margin-bottom: 12pt; font-size: 12pt; font-weight: bold;">STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS</div>
      <div style="margin-bottom: 24pt; font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="margin-bottom: 24pt;">
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z1e6513673dd14fc9bd5f679f22aa33ab">

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              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
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              <td style="width: 62.34%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt; font-weight: bold;">2023</div>
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              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt; font-weight: bold;">2022</div>
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              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
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                <div style="font-size: 12pt; font-weight: bold;">ASSETS</div>
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              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
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            <tr>
              <td style="width: 62.34%; vertical-align: top;">
                <div style="font-size: 12pt;">Investments, at fair value</div>
              </td>
              <td style="width: 17.14%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$ 162,553,475</div>
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              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$ 147,886,154</div>
              </td>
            </tr>
            <tr>
              <td style="width: 62.34%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 62.34%; vertical-align: top;">
                <div style="font-size: 12pt;">Receivables:</div>
              </td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 62.34%; vertical-align: top;">
                <div style="font-size: 12pt;">&#160;&#160;&#160;Notes receivable from participants</div>
              </td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,981,506</div>
              </td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,720,665</div>
              </td>
            </tr>
            <tr>
              <td style="width: 62.34%; vertical-align: top;">
                <div style="font-size: 12pt;">&#160;&#160;&#160;Total receivables</div>
              </td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,981,506</div>
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              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,720,665</div>
              </td>
            </tr>
            <tr>
              <td style="width: 62.34%; vertical-align: top;">
                <div style="font-size: 12pt;">Net assets available for benefits</div>
              </td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$ 164,534,981</div>
              </td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$ 149,606,819</div>
              </td>
            </tr>
            <tr>
              <td style="width: 62.34%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
              <td style="width: 3.38%; vertical-align: top;">&#160;</td>
              <td style="width: 17.14%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
      </div>
      <div style="text-align: left; font-size: 12pt;">See accompanying notes to financial statements.</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div><br>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">STATEMENTS OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS</div>
      <div style="font-size: 12pt; font-weight: bold;">For the Years Ended December 31, 2023 and 2022</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="ze1bc3be9c67b498dabf9653983c3230b">

            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt; font-weight: bold;">2023</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt; font-weight: bold;">2022</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Additions to net assets attributed to:</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Investment income:</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 9pt;">Dividends and interest</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160;&#160; 4,683,392</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160;&#160; 4,307,708</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top; padding-bottom: 2px;">
                <div style="font-size: 12pt; margin-left: 9pt;">Net appreciation in fair value of investments</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;18,157,511</div>
              </td>
              <td style="width: 1.95%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 18pt;">Total investment income</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;22,840,903</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,307,708</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Other income:</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top; padding-bottom: 2px;">
                <div style="font-size: 12pt; margin-left: 9pt;">Interest income on notes receivable from participants</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;103,592</div>
              </td>
              <td style="width: 1.95%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;86,400</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 18pt;">Total other income</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;103,592</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;86,400</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 18pt;">Total income</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;22,944,495</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,394,108</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Contributions:</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 9pt;">Employer</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,147,280</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,879,174</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 9pt;">Participants</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,386,463</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,843,015</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top; padding-bottom: 2px;">
                <div style="font-size: 12pt; margin-left: 9pt;">Rollover</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,479,564</div>
              </td>
              <td style="width: 1.95%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,755,399</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 18pt;">Total contributions</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;13,013,307</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;11,477,588</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 27pt;">Total additions</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;35,957,802</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;15,871,696</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Deductions from net assets attributed to:</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 9pt;">Net depreciation in fair value of investments</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;32,488,921</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 9pt;">Withdrawals and benefits paid to participants</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;20,882,689</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;13,573,262</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top; padding-bottom: 2px;">
                <div style="font-size: 12pt; margin-left: 9pt;">Administrative fees</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;146,951</div>
              </td>
              <td style="width: 1.95%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;157,878</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt; margin-left: 18pt;">Total deductions</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;21,029,640</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;46,220,061</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Net increase/(decrease) in net assets available for benefits</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;14,928,162</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;(30,348,365)</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Net assets available for benefits at beginning of year</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;149,606,819</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;179,955,184</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">Net assets available for benefits at end of year</div>
              </td>
              <td style="width: 15.99%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$ 164,534,981</div>
              </td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$ 149,606,819</div>
              </td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">&#160;</td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 66.06%; vertical-align: top;">
                <div style="font-size: 12pt;">See accompanying notes to financial statements.</div>
              </td>
              <td style="width: 15.99%; vertical-align: top;">&#160;</td>
              <td style="width: 1.95%; vertical-align: top;">&#160;</td>
              <td style="width: 16%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: left; font-size: 12pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: left; margin-bottom: 12pt;"><font style="font-size: 12pt; font-weight: bold;">1.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">DESCRIPTION OF THE PLAN</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Berkshire Bank 401(k) Plan (the &#8220;Plan&#8221;) was established on April 1, 1993.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The following brief description of the Plan is provided for general information purposes only.&#160; Participants should refer to the Plan agreement for a more
        complete description of the Plan&#8217;s provisions.</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">General</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Plan is a defined contribution plan covering all eligible employees of Berkshire Bank and subsidiaries (the &#8220;Bank&#8221; or the &#8220;Plan Sponsor&#8221;).&#160; The Plan is
        subject to the provisions of the Employee Retirement Income Security Act of 1974 (&#8220;ERISA&#8221;), as amended. Vanguard Fiduciary Trust Company serves as the Trustee of the Plan. The Vanguard Group (&#8220;Vanguard&#8221; or the &#8220;Custodian&#8221;) is the financial advisor,
        record keeper, and custodian of the Plan.</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Contributions</div>
      <div style="text-align: justify; margin-left: 27pt; margin-bottom: 12pt; font-size: 12pt;">Each year, participants may contribute a percent of pretax annual compensation, excluding certain types of restricted compensation, subject to certain
        limitations as defined by the Plan and the Internal Revenue Code (&#8220;IRC&#8221;).&#160; The maximum participant deferral was $22,500 and $20,500 for the Plan years ended December 31, 2023 and 2022, respectively.&#160; In addition, all employees who are eligible to
        make salary reductions under the Plan and who have attained age 50 before the close of the Plan year are eligible to make catch-up contributions, as defined by the Economic Growth and Tax Relief Reconciliation Act of 2001. Participants may also
        contribute rollover amounts representing distributions from other qualified retirement plans and individual retirement accounts. Participants direct the investment of their contributions into various investment options offered by the Plan.
        Participants may change their rate of contribution each pay period. Participants are eligible to contribute a flat dollar amount or a percentage of their pretax annual compensation.<font style="font-weight: bold;">&#160;</font>Berkshire Bank&#8217;s 401(k)
        Plan offers an after-tax Roth option as an additional deferral selection.&#160;</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Bank matches a portion of eligible employee contributions. During 2023 and 2022, the Bank matched 100% of eligible employee contributions up to 4% of the
        participant&#8217;s pretax annual compensation.</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-weight: bold;">DESCRIPTION OF THE PLAN (continued)</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Plan Eligibility</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Employees of the Bank are eligible to participate in the Plan after attaining eighteen years of age and completing ninety days of service.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">A break in eligibility service occurs if an employee is not employed for a twelve consecutive month period. If the eligibility requirements had not yet been
        satisfied and there is a break in eligibility service, periods before the break in service will not be taken into account and the employee will have to satisfy the eligibility requirements following the break in service.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Periods during which an employee has a break in eligibility service will not count against<br>
        the employee if the employee was absent because the employee was pregnant, had a child or adopted a child, was serving in the military, or provided service during a national emergency and re-employment is protected under federal or state law, and
        the employee returns to employment within the time required by law. Service credit is given to employees of certain predecessor employers as described in the Plan document for participation and vesting purposes. Employees may join the Plan on the
        first of the month following the month in which eligibility requirements are satisfied. Rehires may rejoin the Plan on the first day of the month following the month of rehire if they were previous participants of the Plan.</div>
      <div style="text-align: left; text-indent: 28.8pt; font-size: 12pt; font-style: italic; font-weight: bold;">Participant Accounts</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Each participant&#8217;s account is credited with the participant&#8217;s contribution and allocations of (a) the Bank&#8217;s contributions, (b) the Plan&#8217;s investment
        earnings, (c) administrative expenses and (d) participant withdrawals. Allocations are based on participant earnings or account balances, as defined by the Plan. The benefit to which a participant is entitled is the benefit that can be provided
        from the participant&#8217;s vested account.</div>
      <div style="text-align: left; text-indent: 28.8pt; font-size: 12pt; font-style: italic; font-weight: bold;">Investments</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Participants direct the investment of their contributions into investment options offered by the Plan which include selected mutual funds of Vanguard and
        other financial advisors, and common shares of Berkshire Hills Bancorp, Inc., the parent company of the Bank.&#160; Participants electing the Vanguard Brokerage Option can transfer vested assets to their brokerage account and invest in additional
        options beyond the Plan&#8217;s core lineup. Employer contributions are invested in each participant&#8217;s account according to the participant&#8217;s selected allocation. Participants may change or transfer their investment options at any time via an automated
        telephone system or the Custodian&#8217;s website.</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-weight: bold;">DESCRIPTION OF THE PLAN (continued)</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Vesting</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Participants are 100% vested in all contributions plus actual earnings thereon.</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Notes Receivable from Participants</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Participants may borrow from their fund accounts a minimum of $1,000 per loan up to a maximum amount, which is equal to $50,000 or 50% of their vested
        account balance, whichever is less.&#160; In addition, the $50,000 limit is reduced by the highest outstanding loan balance (of any previous loans made) in the previous twelve months.&#160; The loans are secured by the balance in the participant&#8217;s accounts
        and bear interest at The Wall Street Journal prime rate plus one percentage point as of the loan application review date. Interest rates ranged from 4.25% to 9.50% as of December 31, 2023. Interest rates ranged from 4.25% to 8.00% as of December
        31, 2022. In general, principal and interest are paid ratably over a period not to exceed five years through regular payroll deductions. Loans used to finance the participant&#8217;s principal residence are repaid over a period of time, up to 20 years.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">If a participant fails to make a loan repayment by its due date, the total outstanding amount of the loan including any interest that has accrued will be
        defaulted and deemed a distribution to the participant on the date of default; however, the balance continues to be included in notes receivable from participants until the account balances of the defaulted borrower(s) are distributed from the
        Plan. There were no deemed loans for the year ended December 31, 2023. For the year ended December 31, 2022, deemed loans totaled $902. There were no loan defaults for terminated participants for the years ended December 31, 2023 and 2022.</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Payment of Benefits</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">On termination of service due to death, disability, normal retirement, or attaining age 59&#189; a participant may elect to receive either a lump sum amount equal
        to the value of the participant&#8217;s vested interest in their account, annual installments, or defer distribution until a later date. If the vested portion of a participant&#8217;s account balance is $1,000 or less, and the participant does not provide
        alternative instructions to the Plan sponsor, this amount is paid as a lump sum distribution as soon as possible following termination, retirement, disability, or to the beneficiary following death.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Participants may request a benefit payment in the case of financial hardship, subject to certain limitations as defined by the Plan.</div>
      <div style="margin-bottom: 12pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-weight: bold;">DESCRIPTION OF THE PLAN (continued)</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Plan Termination</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 18pt; font-size: 12pt;">Although it has not expressed any intent to do so, the Bank has the right under the Plan to discontinue its contributions at any time and to terminate the
        Plan, subject to the provisions of ERISA. In the event of Plan termination, the net assets of the Plan would be allocated as prescribed by ERISA and its related regulations.</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Forfeited Accounts</div>
      <div style="text-align: justify; margin-left: 31.5pt; margin-bottom: 18pt; font-size: 12pt;">At December 31, 2023 and December 31, 2022, forfeited non-vested accounts totaled $48,812 and $33,588, respectively. A portion of these accounts may be used
        to reduce future employer contributions.</div>
      <div style="text-align: left; margin-bottom: 12pt;"><font style="font-size: 12pt; font-weight: bold;">2.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">SUMMARY OF ACCOUNTING POLICIES</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">A summary of significant accounting policies consistently applied in the preparation of the accompanying financial statements follows.</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Basis of Accounting</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The accompanying financial statements have been prepared using the accrual method of accounting.</div>
      <div style="text-align: left; text-indent: 28.8pt; font-size: 12pt; font-style: italic; font-weight: bold;">Use of Estimates</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">In preparing financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make
        estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the
        reporting period. Actual results could differ from those estimates.</div>
      <div style="margin-bottom: 18pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">SUMMARY OF ACCOUNTING POLICIES (continued)</div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Investment Valuation and Income Recognition</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Plan&#8217;s investments are stated at fair value. Shares of registered investment companies are valued at quoted market prices which represent the net asset
        value reported by the fund at year-end. Investments in Berkshire Hills Bancorp, Inc. common stock and other equities are valued at the closing market price as of the last trade date of the year.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">Purchases and sales of investments are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividend income is recorded on the
        ex-dividend date. Capital gain distributions are included in dividend income. Net appreciation/(depreciation) includes the Plan's gains and losses on investments bought and sold as well as held during the year.</div>
      <div style="text-align: justify; margin-left: 30pt; font-size: 12pt;">The Plan groups assets and liabilities that are measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of
        the assumptions used to determine fair value.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 30pt; font-size: 12pt;">Level 1 &#8211; Valuation is based on quoted prices in active markets for identical assets or liabilities. Valuations are obtained from readily available pricing sources for market
        transactions involving identical assets or liabilities.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 30pt; font-size: 12pt;">Level 2 &#8211; Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active;
        or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 30pt; font-size: 12pt;">Level 3 &#8211; Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities.
        Level 3 assets and liabilities include financial instruments whose value is determined using unobservable techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 30pt; font-size: 12pt;">In certain cases, inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, an investment&#8217;s level within the fair value hierarchy
        is based on the lowest level of input that is significant to the fair value measurement. The Plan&#8217;s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific
        to the investment.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: left; text-indent: 28.8pt; font-size: 12pt; font-weight: bold;">SUMMARY OF ACCOUNTING POLICIES (concluded)</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 30pt; font-size: 12pt; font-style: italic; font-weight: bold;">Notes Receivable from Participants</div>
      <div style="text-align: justify; margin-left: 30pt; font-size: 12pt;"><br>
        Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Interest income is recorded on an accrual basis. Related fees are recorded as administrative expenses and are expensed when they
        are incurred. No allowance for credit losses have been recorded at December 31, 2023 and 2022.</div>
      <div><br>
      </div>
      <div style="text-align: left; text-indent: 30pt; font-size: 12pt; font-style: italic; font-weight: bold;">Benefits Paid</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 30pt; font-size: 12pt;">Benefits are recorded upon distribution.</div>
      <div><br>
      </div>
      <div style="text-align: left; text-indent: 28.8pt; margin-bottom: 12pt; font-size: 12pt; font-style: italic; font-weight: bold;">Administrative Expenses</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Plan&#8217;s administrative expenses are paid by either the Plan or the Plan Sponsor as provided by the Plan document. Administrative fees charged to the Plan
        as shown on the Statements of Changes in Net Assets relate to fees charged to the participants for recordkeeping and information management or participant loan processing that are deducted from their asset balances. Investment related expenses are
        included in net appreciation/(depreciation) in fair value of investments on the Statements of Changes in Net Assets Available for Benefits.</div>
      <div style="margin-bottom: 12pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: left; margin-bottom: 12pt;"><font style="font-size: 12pt; font-weight: bold;">3.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">INVESTMENTS, AT FAIR VALUE</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The following table summarizes the valuation of the Plan&#8217;s investments by the fair value hierarchy levels as of December 31, 2023 and 2022, respectively:</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt;">
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z54e743a018e24ff7b1cbcf56373b49d1">

            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt; font-weight: bold;">December 31 ,2023</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Level 1</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Level 2</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Level 3</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Total</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
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            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$&#160; &#160; &#160; 155,547,678</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; &#160;&#160; &#160; &#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$&#160;&#160; 155,547,678</div>
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            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt;">Common stock*</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,382,791</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,382,791</div>
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            </tr>
            <tr>
              <td colspan="3" style="width: 25.56%; vertical-align: top;">
                <div style="font-size: 12pt;">Certificate of deposits*</div>
              </td>
              <td style="width: 19.58%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;434,253</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;434,253</div>
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            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt;">Money markets*</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;188,753</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;188,753</div>
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            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
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            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">
                <div style="font-size: 12pt;">Total investments</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; 162,119,222</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; 434,253</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8212;</div>
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              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160;&#160; 162,553,475</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
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            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt; font-weight: bold;">December 31 ,2022</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Level 1</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Level 2</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
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              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Total</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
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            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt;">Mutual funds</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$&#160; &#160; &#160; 139,731,233</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$&#160;&#160; 139,731,233</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt;">Common stock**</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,698,209</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,698,209</div>
              </td>
            </tr>
            <tr>
              <td colspan="3" style="width: 25.56%; vertical-align: top;">
                <div style="font-size: 12pt;">Certificate of deposits**</div>
              </td>
              <td style="width: 19.58%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;368,381</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;368,381</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 22.94%; vertical-align: top;">
                <div style="font-size: 12pt;">Money markets**</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88,331</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88,331</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">
                <div style="font-size: 12pt;">Total investments</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; 147,517,773</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; 368,381</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8212;</div>
              </td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-size: 12pt;">&#160;$&#160;&#160; 147,886,154</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td style="width: 17.83%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 19.58%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 14.46%; vertical-align: top;">&#160;</td>
              <td style="width: 2.62%; vertical-align: top;">&#160;</td>
              <td style="width: 18.08%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">
                <div style="text-align: right;">*</div>
              </td>
              <td colspan="9" style="width: 94.89%; vertical-align: top;">
                <div>As of December 31, 2023, the VGI Brokerage Option totaled $1,761,198, of which 64% was comprised of</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td colspan="9" style="width: 94.89%; vertical-align: top;">
                <div>common stock, 25% was comprised of certificate of deposits, and 11% was comprised of money markets.</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">
                <div style="text-align: right;">**</div>
              </td>
              <td colspan="9" style="width: 94.89%; vertical-align: top;">
                <div>As of December 31, 2022, the VGI Brokerage Option totaled $1,585,253, of which 71% was comprised of</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.11%; vertical-align: top;">&#160;</td>
              <td colspan="9" style="width: 94.89%; vertical-align: top;">
                <div>common stock, 23% was comprised of certificate of deposits, and 6% was comprised of money markets.</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">There were no assets measured at fair value on a non-recurring basis at December 31, 2023 or 2022. There were no transfers between categories during 2023 or
        2022.</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: justify; margin-bottom: 11pt;"><font style="font-size: 12pt; font-weight: bold;">4.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">TAX STATUS</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 18pt; font-size: 12pt;">The Bank adopted a prototype plan whose most recent opinion letter from the Internal Revenue Service, dated June 30, 2020, stated that the Plan was designed
        in accordance with applicable sections of the IRC. The Plan has been amended from the original prototype document; however, the Plan Administrator believes the Plan is currently operated in compliance with the applicable requirements of the IRC.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 18pt; font-size: 12pt;">The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan is no longer
        subject to income tax examinations for years prior to 2020.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 18pt; font-size: 12pt;">The United States Generally Accepted Accounting Principles requires plan management to evaluate tax positions taken by the Plan. The financial statement
        effects of a tax position are recognized when the position is more likely than not, based on the technical merits, to be sustained upon examination by the Internal Revenue Service. Plan management has analyzed the tax positions taken by the Plan
        and has concluded that there are no uncertain positions taken or expected to be taken as of December 31, 2023. The Plan did not have any uncertain positions at December 31, 2022 which required disclosure or accrual. The Plan has recognized no
        interest or penalties related to uncertain tax positions.</div>
      <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 12pt; font-weight: bold;">5.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">ADMINISTRATION OF PLAN ASSETS</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 11pt; font-size: 12pt;">The Plan assets are held by The Vanguard Group, the Custodian of the Plan.</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 11pt; font-size: 12pt;">Bank contributions, participant elective deferrals, and participant accounts are held and administered by Vanguard Fiduciary Trust Company, who invests cash
        received, interest, and dividend income in accordance with participants&#8217; instructions and makes distributions to participants. The Trustee also administers the payment of interest and principal on participants&#8217; loans.</div>
      <div style="text-align: justify; margin-left: 28.8pt; font-size: 12pt;">Certain administrative functions are performed by officers or employees of the Bank. No such officers or employees receive compensation for such functions from the Plan.</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Continued)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: justify; margin-bottom: 11pt;"><font style="font-size: 12pt; font-weight: bold;">6.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">RISKS AND UNCERTAINTIES</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Plan invests in a variety of investment vehicles. Investment securities are exposed to various risks, such as interest rate, market, liquidity, and
        credit. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect
        participants&#8217; account balances and the amounts reported in the statements of net assets available for benefits.</div>
      <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">7.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">RELATED PARTY AND PARTIES IN INTEREST TRANSACTIONS</font></div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The Plan's record keeper, Trustee, and Custodian, as well as the Company and Plan participants, and Crowe LLP, the auditor of the Plan&#8217;s financial
        statements, are each a &#8220;party-in-interest" to the Plan as defined by ERISA. Certain administrative functions are performed by employees and officers of the Bank for which no compensation was paid from the Plan. For the year ended December 31, 2023,
        the Bank contributed $3,147,280 to the Plan, of which none was owed to the Plan at December 31, 2023. For the year ended December 31, 2022, the Bank contributed $2,879,174 to the Plan, of which none was owed to the Plan at December 31, 2022. In
        addition, the Bank paid expenses in connection with the administration of the Plan, totaling $41,854 and $37,846 for the years ended December 31, 2023 and 2022, respectively. Expenses paid by the Plan to the Plan&#8217;s record keeper, trustee, and
        custodian represent party-in-interest transactions.</div>
      <div style="text-align: justify; margin-left: 28.8pt; font-size: 12pt;">The Plan has investments in common stock of Berkshire Hills Bancorp, Inc., the parent company of the Bank. At December 31, 2023 and 2022, the Plan held 211,220 shares and 219,741
        shares, respectively. At December 31, 2023 and 2022, the stock value was $5,244,599 and $6,570,248, respectively. For the years ended December 31, 2023 and 2022, the purchases of stocks amounted to $503,413 and $635,186, respectively, and sales
        amounted to $871,624 and $1,283,918, respectively. For the years ended December 31, 2023 and 2022, dividends earned were $153,553 and $125,639, respectively. For the years ended December 31, 2023 and 2022, realized losses were $5,326 and realized
        gains were $159,485, respectively. In addition, certain of the investment options are managed by Vanguard. Transactions in such investments qualify as party-in-interest transactions. Notes receivable from participants also qualify as
        parties-in-interest transactions.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-bottom: 11pt;"><font style="font-size: 12pt; font-weight: bold;">8.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">ROLLOVER CONTRIBUTIONS</font></div>
      <div style="text-align: justify; margin-left: 27pt; font-size: 12pt;">For the year ended December 31, 2023 and 2022, the rollover contributions are made up of contributions from current employees rolling their assets over into the Plan. Current
        employees have the option to transfer their funds from a previous employer&#8217;s retirement plan into the Plan.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="margin-left: 27pt; font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(k) PLAN</div>
      <div><br>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">NOTES TO FINANCIAL STATEMENTS (Concluded)</div>
      <div style="font-size: 12pt; font-weight: bold;">December 31, 2023 and 2022</div>
      <div style="text-align: justify;"><font style="font-size: 12pt; font-weight: bold;">9.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;</font><font style="font-size: 12pt; font-weight: bold;">SUBSEQUENT
          EVENTS</font></div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt; font-size: 12pt;">Plan management has evaluated subsequent events for recognition and disclosure through June 28, 2024 and has concluded that there are no events that require recognition or
        disclosure in the financial statements.</div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 12pt; font-weight: bold;">10.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;&#160;&#160; </font><font style="font-size: 12pt; font-weight: bold;">&#160;
          RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500</font></div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-size: 12pt;">The following is a reconciliation of net assets available for benefits per the financial statements at December&#160;31, 2023 and 2022 to Form 5500:</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt;">
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z4f9e5b592313426c83294bc2ba3421a4">

            <tr>
              <td style="width: 63.44%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td colspan="3" rowspan="1" style="width: 16.78%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">December 31,</div>
              </td>
            </tr>
            <tr>
              <td style="width: 63.44%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">2023</div>
              </td>
              <td style="width: 1.64%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">2022</div>
              </td>
            </tr>
            <tr>
              <td style="width: 63.44%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Net assets available for benefits per financial statements</div>
              </td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$ 164,534,981</div>
              </td>
              <td style="width: 1.64%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$ 149,606,819</div>
              </td>
            </tr>
            <tr>
              <td style="width: 63.44%; vertical-align: top; padding-bottom: 2px;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Less: deemed distributed loans (1)</div>
              </td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 1.64%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;902</div>
              </td>
            </tr>
            <tr>
              <td style="width: 63.44%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Net assets available for benefits per Form 5500</div>
              </td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$ 164,534,981</div>
              </td>
              <td style="width: 1.64%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$ 149,605,917</div>
              </td>
            </tr>
            <tr>
              <td style="width: 63.44%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 0.68%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 1.64%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.78%; vertical-align: top; font-size: 12pt;">&#160;</td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">The following is a reconciliation of the net increase / decrease in net assets available for benefits as
        presented in the statements of changes in net assets available for benefits to Form 5500 for the years ended December 31, 2023 and 2022:</div>
      <div style="text-align: justify; margin-left: 28.8pt; margin-bottom: 12pt;">
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z02f4bf12e03c486fbcbe7e03831967e9">

            <tr>
              <td style="width: 65.71%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td colspan="3" rowspan="1" style="width: 16.79%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">December 31,</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 16.79%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">2023</div>
              </td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">2022</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Net increase/(decrease) in net assets available for benefits</div>
              </td>
              <td style="width: 16.79%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top; font-size: 12pt;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;per the financial statements</div>
              </td>
              <td style="width: 16.79%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$&#160;&#160; 14,928,162</div>
              </td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$(30,348,365)</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Less: deemed distributed loans (1)</div>
              </td>
              <td style="width: 16.79%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
              </td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top;">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;902</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Plus: prior year distributions (1)</div>
              </td>
              <td style="width: 16.79%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;902</div>
              </td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,812</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Net increase/(decrease) in net assets available for benefits</div>
              </td>
              <td style="width: 16.79%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top; font-size: 12pt;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">
                <div style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;&#160;&#160;per Form 5500</div>
              </td>
              <td style="width: 16.79%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$&#160;&#160; 14,929,064</div>
              </td>
              <td style="width: 1.61%; vertical-align: top; font-size: 12pt;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
                <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">&#160;$(30,346,455)</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.71%; vertical-align: top;">&#160;</td>
              <td style="width: 16.79%; vertical-align: top;">&#160;</td>
              <td style="width: 1.61%; vertical-align: top;">&#160;</td>
              <td style="width: 15.8%; vertical-align: top;">&#160;</td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb72f5b28b29149a19b243ee25ac75741">

            <tr>
              <td style="width: 36pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: normal;">(1)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: normal;">In the financial statements of the Plan, delinquent loans remain as assets of the Plan. However, for the Form 5500 reporting
                  purposes delinquent loans are removed from plan assets and reported as a benefit paid to a participant. Any loans held by participants that were deemed in previous years where the participant distributes or terminates from the plan in the
                  current year, the balances are applied against the current year&#8217;s distribution balance.</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom: 12pt;"><br>
      </div>
      <div style="margin-bottom: 12pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-weight: bold;">BERKSHIRE BANK 401(K) PLAN</div>
      <div style="font-weight: bold;">SCHEDULE H, LINE 4a &#8211; SCHEDULE OF DELINQUENT</div>
      <div style="font-weight: bold;">PARTICIPANT CONTRIBUTIONS</div>
      <div style="font-weight: bold;">EIN #: 04-3312097</div>
      <div style="font-weight: bold;">THREE-DIGIT PLAN NUMBER: 002</div>
      <div style="font-weight: bold;">FOR THE YEAR ENDED</div>
      <div style="font-weight: bold;">DECEMBER 31, 2023</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z1264e372de5e437487c39d3fa2171a58">

            <tr>
              <td style="width: 30.46%; vertical-align: top;">&#160;</td>
              <td style="width: 3.48%; vertical-align: top;">&#160;</td>
              <td colspan="7" style="width: 66.06%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt; font-weight: bold;">Total that Constitute Nonexempt Prohibited Transactions</div>
              </td>
            </tr>
            <tr>
              <td colspan="2" style="width: 33.94%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;"> <br>
                </div>
                <div style="text-align: center; font-weight: bold;">Check here if late participant loan contributions are included</div>
              </td>
              <td colspan="2" style="width: 14.49%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;"> <br>
                </div>
                <div style="text-align: center; font-weight: bold;">Contributions Not Corrected</div>
              </td>
              <td colspan="2" style="width: 14.49%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">Contributions Corrected&#160; Outside VFCP</div>
              </td>
              <td colspan="2" style="width: 17.97%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">Contributions Pending Correction in VFCP</div>
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              <td style="width: 19.12%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">Total Fully Corrected Under VFCP and PTE 2002-51</div>
              </td>
            </tr>
            <tr>
              <td style="width: 30.46%; vertical-align: top;">&#160;</td>
              <td style="width: 3.48%; vertical-align: top;">&#160;</td>
              <td style="width: 13.65%; vertical-align: top;">&#160;</td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 13.65%; vertical-align: top;">&#160;</td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 17.13%; vertical-align: top;">&#160;</td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 19.12%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 30.46%; vertical-align: top;">
                <div style="text-align: center;">X</div>
              </td>
              <td style="width: 3.48%; vertical-align: top;">&#160;</td>
              <td style="width: 13.65%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#8212;</div>
              </td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 13.65%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#8212;</div>
              </td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 17.13%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#8212;</div>
              </td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 19.12%; vertical-align: top; border-bottom: #000000 4px double;">
                <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 18,410</div>
              </td>
            </tr>
            <tr>
              <td style="width: 30.46%; vertical-align: top;">&#160;</td>
              <td style="width: 3.48%; vertical-align: top;">&#160;</td>
              <td style="width: 13.65%; vertical-align: top;">&#160;</td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 13.65%; vertical-align: top;">&#160;</td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 17.13%; vertical-align: top;">&#160;</td>
              <td style="width: 0.84%; vertical-align: top;">&#160;</td>
              <td style="width: 19.12%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td colspan="9" style="width: 100%; vertical-align: top;">
                <div style="font-style: italic;">Schedule of Delinquent Participant Contributions as reported are a result of two late submissions by First Choice Loan Services, Inc. (&#8220;FCLS&#8221;) &#8211; a subsidiary of the Bank.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div><br>
      </div>
      <div style="font-size: 12pt; font-weight: bold;">BERKSHIRE BANK 401(K) PLAN</div>
      <div style="font-size: 12pt; font-weight: bold;">SCHEDULE H, LINE 4i &#8211; SCHEDULE OF ASSETS</div>
      <div style="font-size: 12pt; font-weight: bold;">(HELD AT END OF YEAR)</div>
      <div style="font-size: 12pt; font-weight: bold;">EIN #: 04-3312097</div>
      <div style="font-size: 12pt; font-weight: bold;">THREE-DIGIT PLAN NUMBER: 002</div>
      <div style="font-size: 12pt; font-weight: bold;">DECEMBER 31, 2023</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zeb04afe3a8584116818cec9f3a897a4e">

            <tr>
              <td style="width: 5.03%; vertical-align: top;">&#160;</td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">&#160;</td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">&#160;</td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-weight: bold;"> <br>
                </div>
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-weight: bold;">(a)</div>
              </td>
              <td style="width: 3.26%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">(b) (c)</div>
                <div style="text-align: center; font-weight: bold;">Identity of Issuer, Borrower, Lessor or Similar Party and Description of Investment</div>
              </td>
              <td style="width: 2.89%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">(d)</div>
                <div style="text-align: center; font-weight: bold;">Cost</div>
              </td>
              <td style="width: 3.15%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">(e)</div>
                <div style="text-align: center; font-weight: bold;">Current Value (1)</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">&#160;</td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Mutual funds:</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">&#160;</td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Dividend Growth Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; 3,952,568</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Emerging Markets Stock Index Fund Admiral Shr</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,848,084</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Federal Money Market Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,705,272</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Institutional Index Fund Inst'l Shares</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,901,106</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Intermediate-Term Treasury Fund: Adm Shr</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,009,377</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard International Growth Fund Admiral Shares</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,552,029</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Mid-Cap Index Fund Institutional Shares</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,118,824</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Selected Value Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,291,924</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Short-Term Bond Index Fund Admiral Shares</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,313,307</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Short-Term Federal Fund Admiral Shares</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;781,091</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Small-Cap Growth Index Fund: Inst'l Shr</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,687,463</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2020 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,599,518</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2025 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,271,922</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2030 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,331,733</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2035 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,194,179</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2040 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,473,520</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2045 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,471,175</div>
              </td>
            </tr>
            <tr>
              <td style="width: 5.03%; vertical-align: top;">
                <div style="text-align: center;">*</div>
              </td>
              <td style="width: 3.26%; vertical-align: top;">&#160;</td>
              <td style="width: 56.72%; vertical-align: top;">
                <div>Vanguard Target Retirement 2050 Fund</div>
              </td>
              <td style="width: 2.89%; vertical-align: top;">&#160;</td>
              <td style="width: 13.49%; vertical-align: top;">
                <div style="text-align: center;">&#160;**</div>
              </td>
              <td style="width: 3.15%; vertical-align: top;">&#160;</td>
              <td style="width: 15.46%; vertical-align: top;">
                <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,013,084</div>
              </td>
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            <tr>
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            <tr>
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      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
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    <div style="text-align: justify;"><font style="font-style: italic;">The Plan.&#160; </font>Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this
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          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
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            <div style="text-align: justify;">Date: June 28, 2024</div>
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            <div>&#160;<u>/s/ Jacqueline Courtwright</u></div>
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    </div>
    <div style="text-align: center; font-weight: bold;">EXHIBIT INDEX</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zef4ef8aaf13a4e05a416f5b9b75668b9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 22.14%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">Exhibit Number</div>
          </td>
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            <div style="font-weight: bold;">Description</div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.14%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-1_11k2023.htm">23.1</a></div>
          </td>
          <td style="width: 77.86%; vertical-align: top;">
            <div><a href="ex23-1_11k2023.htm">Consent of Crowe LLP</a></div>
          </td>
        </tr>

    </table>
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    </div>
    <div><br>
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</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>2
<FILENAME>ex23-1_11k2023.htm
<DESCRIPTION>CONSENT OF CROWE LLP
<TEXT>
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 23.1</font><br>
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  <div><br>
  </div>
  <div><br>
    <div><br>
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    <div style="margin-top: 9.7pt;"><br>
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    <div style="text-align: center; margin-right: 0.8pt;">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
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    <div><br>
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    <div style="text-align: justify; margin-right: 5.8pt; margin-left: 5pt;">We consent to the incorporation by reference in this Registration Statement No. 333-41766 on Form S-8 of Berkshire
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    <div><br>
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    <div>&#160; <img width="123" height="23" src="image0.jpg"></div>
    <div style="margin-top: 0.55pt;"> <br>
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    <div style="margin-top: 0.55pt;">&#160; Crowe LLP<br>
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    <div style="text-align: center; margin-right: 0.8pt; margin-left: 85.3pt; margin-top: 3.45pt;">
      <div><br>
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    <div style="text-align: center; margin-right: 0.8pt; margin-left: 85.3pt; margin-top: 3.45pt;"><br>
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    <div style="margin-right: 374.1pt; margin-left: 5pt;">Oak Brook, Illinois </div>
    <div style="margin-right: 374.1pt; margin-left: 5pt;">June 28, 2024</div>
    <br>
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</TEXT>
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