<SEC-DOCUMENT>0001104659-25-027226.txt : 20250324
<SEC-HEADER>0001104659-25-027226.hdr.sgml : 20250324
<ACCEPTANCE-DATETIME>20250324161633
ACCESSION NUMBER:		0001104659-25-027226
CONFORMED SUBMISSION TYPE:	S-4
PUBLIC DOCUMENT COUNT:		38
FILED AS OF DATE:		20250324
DATE AS OF CHANGE:		20250324

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
		EIN:				043510455
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-286052
		FILM NUMBER:		25764362

	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>S-4
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<FILENAME>tm252197-5_s4.htm
<DESCRIPTION>S-4
<TEXT>
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    <title>tm252197-5_s4 - none - 46.343918s</title>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-left:20pt; text-align:center; width:521.31pt; line-height:10pt;font-weight:bold;">
          <font style="letter-spacing:-0.18pt;">As filed with the Securities and Exchange Commission on March&#160;24, 2025</font><font style="font-weight:normal;letter-spacing:0.18pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:2pt; text-align:right; width:521.31pt; line-height:10pt;font-weight:bold;">
          <font style="letter-spacing:-0.18pt;">Registration No. 333-&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;</font>&#8203;</div>
        <div style="margin-top:1.3pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 1.3pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
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          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 1.8pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:9.31pt; text-align:center; width:541.31pt; line-height:15.5pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">UNITED STATES</font>
          <br >
          <font style="letter-spacing:-0.28pt;">SECURITIES AND EXCHANGE COMMISSION</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
        </div>
        <div style="margin-top:0pt; text-align:center; width:541.31pt; line-height:12pt;font-weight:bold;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">WASHINGTON, D.C. 20549</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:5.5pt; text-align:center; width:541.31pt;">
          <div style="margin-left: 40.024%; margin-right: 40.024%; margin-top: 5.5pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style="margin-top:5.7pt; text-align:center; width:541.31pt; line-height:16pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">FORM S-4</font>
        </div>
        <div style="margin-top:2pt; text-align:center; width:541.31pt; line-height:11.5pt;font-weight:bold;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">REGISTRATION STATEMENT</font>
          <br >
          <font style="letter-spacing:-0.2pt;">UNDER</font>
          <br >
          <font style="letter-spacing:-0.2pt;">THE SECURITIES ACT OF 1933</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:541.31pt; line-height:9.5pt;font-size:14pt;">
          <font style="font-weight:bold;letter-spacing:-0.28pt;">BERKSHIRE HILLS BANCORP, INC.</font><font style="letter-spacing:0.28pt;"> </font>
          <br >
          <font style="font-size:8pt;letter-spacing:0.16pt;">(Exact Name of Registrant as Specified in Its Charter)</font><font style="letter-spacing:0.28pt;"> </font>
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          <tr style="line-height:10.8pt;white-space:normal;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:172.44pt;">
              <div style="text-align:center;font-weight:bold;font-size:9pt;">
                <font style="letter-spacing:-0.18pt;">Delaware</font>
              </div>
              <div style="margin-top:1.8pt; text-align:center; line-height:9pt;">
                <font style="letter-spacing:0.16pt;">(State or Other Jurisdiction of</font>
                <br >
                <font style="letter-spacing:0.16pt;">Incorporation or Organization)</font><font style="font-size:9pt;">&#8203;</font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:172.44pt;">
              <div style="text-align:center;font-weight:bold;font-size:9pt;">
                <font style="letter-spacing:-0.18pt;">6036</font>
              </div>
              <div style="margin-top:1.8pt; text-align:center; line-height:9pt;">
                <font style="letter-spacing:0.16pt;">(Primary Standard Industrial</font>
                <br >
                <font style="letter-spacing:0.16pt;">Classification Code Number)</font><font style="font-size:9pt;">&#8203;</font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:172.43pt;">
              <div style="text-align:center;font-weight:bold;font-size:9pt;">
                <font style="letter-spacing:-0.18pt;">04-3510455</font>
              </div>
              <div style="margin-top:1.8pt; text-align:center; line-height:9pt;">
                <font style="letter-spacing:0.16pt;">(I.R.S. Employer</font>
                <br >
                <font style="letter-spacing:0.16pt;">Identification Number)</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:12.5pt; text-align:center; width:541.31pt; line-height:9.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.18pt;">60 State Street</font>
          <br >
          <font style="letter-spacing:-0.18pt;">Boston, Massachusetts 02109</font>
          <br >
          <font style="letter-spacing:-0.18pt;">(800) 773-5601 ext. 133773</font>
        </div>
        <div style="margin-top:0.81pt; text-align:center; width:541.31pt; line-height:9pt;font-size:8pt;">
          <font style="letter-spacing:0.16pt;">(Address, Including Zip Code, and Telephone Number, Including Area Code, of Registrant&#8217;s Principal Executive Offices)</font><font style="font-size:9pt;">&#8203;<font style="letter-spacing:0.18pt;"> </font></font>
        </div>
        <div style="margin-top:5pt; text-align:center; width:541.31pt; line-height:9.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.18pt;">Nitin J. Mhatre</font>
          <br >
          <font style="letter-spacing:-0.18pt;">President and Chief Executive Officer</font>
          <br >
          <font style="letter-spacing:-0.18pt;">60 State Street</font>
          <br >
          <font style="letter-spacing:-0.18pt;">Boston, Massachusetts 02109</font>
          <br >
          <font style="letter-spacing:-0.18pt;">(800) 773-5601 ext. 133773</font>
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        <div style="margin-top:0.8pt; text-align:center; width:541.31pt; line-height:9pt;font-size:8pt;">
          <font style="letter-spacing:0.16pt;">(Name, Address, Including Zip Code, and Telephone Number, Including Area Code, of Agent For Service)</font><font style="font-size:9pt;">&#8203;<font style="letter-spacing:0.18pt;"> </font></font>
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        <div style="margin-top:5pt; text-align:center; width:541.31pt; line-height:10pt;">
          <font style="letter-spacing:0.18pt;">Copies to: </font>
        </div>
        <table style="width:541.31pt;margin-top:5pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
          <tr style="line-height:10.77pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:126.33pt;">
              <div style="text-align:center; line-height:10.78pt;">
                <font style="letter-spacing:-0.18pt;">Lawrence M.F. Spaccasi, Esq.</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Marc Levy, Esq.</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Luse Gorman, PC</font>
                <br >
                <font style="letter-spacing:-0.18pt;">5335 Wisconsin Avenue, N.W.,</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Suite 780</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Washington, DC 20015</font>
                <br >
                <font style="letter-spacing:-0.18pt;">(202) 274-2000</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:126.33pt;">
              <div style="text-align:center; line-height:10.78pt;">
                <font style="letter-spacing:-0.18pt;">Wm. Gordon Prescott, Esq.</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Senior Executive Vice President, </font>
                <br >
                <font style="letter-spacing:-0.18pt;">General Counsel and Corporate </font>
                <br >
                <font style="letter-spacing:-0.18pt;">Secretary</font>
                <br >
                <font style="letter-spacing:-0.18pt;">60 State Street</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Boston, MA 02109</font>
                <br >
                <font style="letter-spacing:-0.18pt;">(800) 773-5601</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:126.33pt;">
              <div style="text-align:center; line-height:10.78pt;">
                <font style="letter-spacing:-0.18pt;">Marissa Martin, Esq.</font>
                <br >
                <font style="letter-spacing:-0.18pt;">General Counsel and </font>
                <br >
                <font style="letter-spacing:-0.18pt;">Corporate Secretary</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Brookline Bancorp, Inc.</font>
                <br >
                <font style="letter-spacing:-0.18pt;">131 Clarendon Street</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Boston, MA 02216</font>
                <br >
                <font style="letter-spacing:-0.18pt;">(617) 425-4600</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:126.33pt;">
              <div style="text-align:center; line-height:10.78pt;">
                <font style="letter-spacing:-0.18pt;">Samantha M. Kirby, Esq.</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Goodwin Procter LLP</font>
                <br >
                <font style="letter-spacing:-0.18pt;">100 Northern Avenue</font>
                <br >
                <font style="letter-spacing:-0.18pt;">Boston, MA 02210</font>
                <br >
                <font style="letter-spacing:-0.18pt;">(617) 570-1000</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="text-indent:20pt; margin-top:12.51pt; width:541.31pt; line-height:9.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.18pt;">Approximate date of commencement of proposed sale to the public: As soon as practicable after this registration statement becomes effective</font><font style="font-weight:normal;letter-spacing:0.18pt;">. </font>
        </div>
        <div style="text-indent:20pt; margin-top:5pt; width:541.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.18pt;">If the securities being registered on this form are to be offered in connection with the formation of a holding company and there is compliance with General Instruction G, check the following box: &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:5pt; width:541.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.18pt;">If this form is filed to register additional securities for an offering pursuant to Rule&#160;462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:5pt; width:541.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.18pt;">If this form is a post-effective amendment filed pursuant to Rule&#160;462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:5pt; width:541.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.18pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule&#160;12b-2 of the Exchange Act. </font>
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        <table style="width:501.31pt;height:29.5699999999999pt;margin-left:20pt;margin-top:6pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
          <tr style="line-height:8.97000000000003pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:244.66pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:108pt;white-space:nowrap;">
                <font style="letter-spacing:0.18pt;">Large accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:108pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.18pt;">&#9746; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:244.65pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:132pt;white-space:nowrap;">
                <font style="letter-spacing:0.18pt;">Accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:132pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.18pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97000000000003pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0.52pt 0pt 0.79pt 0pt; width:244.66pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:108pt;white-space:nowrap;">
                <font style="letter-spacing:0.18pt;">Non-accelerated filer</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:108pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.18pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.52pt 0pt 0.79pt 0pt; width:244.65pt;">
              <div style=" float:left; line-height:9pt; text-align:left; width:132pt;white-space:nowrap;">
                <font style="letter-spacing:0.18pt;">Smaller reporting company</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:132pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.18pt;">&#9744; </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.97000000000003pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:244.66pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0.53pt 0pt 0.79pt 0pt; width:244.65pt;white-space:normal;">
              <div style=" float:left; line-height:9pt; text-align:left; width:132pt;white-space:nowrap;">
                <font style="letter-spacing:0.18pt;">Emerging growth company</font>
                <br >
              </div>
              <div style=" line-height:9pt; text-align:left; margin-left:132pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.18pt;">&#9744;</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:12.5pt; width:541.31pt; line-height:9.5pt;">
          <font style="letter-spacing:0.18pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;7(a)(2)(B) of the Securities Act. &#9744; </font>
        </div>
        <div style="margin-left:20pt; margin-top:5pt; width:521.31pt; line-height:10pt;">
          <font style="letter-spacing:0.18pt;">If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction: </font>
        </div>
        <div style="margin-left:20pt; margin-top:5pt; width:521.31pt; line-height:10pt;">
          <font style="letter-spacing:0.18pt;">Exchange Act Rule&#160;13e-4(i) (Cross-Border Issuer Tender Offer) &#9744; </font>
        </div>
        <div style="margin-left:20pt; margin-top:5pt; width:521.31pt; line-height:10pt;">
          <font style="letter-spacing:0.18pt;">Exchange Act Rule&#160;14d-1(d) (Cross-Border Third-Party Tender Offer) &#9744; </font>
        </div>
        <div style="text-indent:20pt; margin-top:5pt; width:541.31pt; line-height:9.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.18pt;">The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section&#160;8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section&#160;8(a), may determine</font><font style="font-weight:normal;letter-spacing:0.18pt;">.</font>
        </div>
        <div style="margin-top:5pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 5pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style="margin-top:1.8pt; width:541.31pt;">
          <div style="margin-left: 0pt; width: 541.31pt; margin-top: 1.80000000000007pt; font-size: 2pt; line-height: 0pt; border-bottom: 2pt solid #000000; ">&#8203;</div>
        </div>
      </div>
      <hr >
    </div>
    <div style="position:relative;overflow:hidden;min-height:775.71pt;page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.073pt;">Information contained in this Joint Proxy Statement/Prospectus is subject to completion or amendment. A registration statement relating to the securities of Berkshire Hills Bancorp, Inc. to be issued in the merger has been filed with the Securities and Exchange Commission. These securities may not be sold nor may offers to buy be accepted prior to the time the registration statement becomes effective. This Joint Proxy Statement/Prospectus shall not constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of these securities in any jurisdiction in which such offer, solicitation or sale is not permitted or would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.</font><font style="color:#000000;letter-spacing:-0.073pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">SUBJECT TO COMPLETION, DATED MARCH 24, 2025</font><font style="font-weight:normal;color:#000000;letter-spacing:0.2pt;"> </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <font style="letter-spacing:-0.2pt;">To the Stockholders of Brookline Bancorp, Inc. and</font>
          <br >
          <font style="letter-spacing:-0.2pt;">the Stockholders of Berkshire Hills Bancorp, Inc.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">MERGER PROPOSED&#8201;&#8201;&#8212;&#8201;&#8201;YOUR VOTE IS VERY IMPORTANT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">On behalf of the boards of directors of Berkshire Hills Bancorp, Inc. (&#8220;Berkshire&#8221;) and Brookline Bancorp, Inc. (&#8220;Brookline&#8221;), we are pleased to enclose the accompanying Joint Proxy Statement/Prospectus relating to the proposed merger of equals of Berkshire and Brookline. We are requesting that you take certain actions as a holder of Berkshire common stock or as a holder of Brookline common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">On December&#160;16, 2024, Berkshire, Commerce Acquisition Sub, Inc., a direct, wholly-owned subsidiary of Berkshire (&#8220;Merger Sub&#8221;), and Brookline entered into a merger agreement (the &#8220;Merger Agreement&#8221;) pursuant to which Berkshire and Brookline have agreed to combine their respective businesses in a merger of equals. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Under the Merger Agreement, Merger Sub will merge with and into Brookline, with Brookline as the surviving corporation (the &#8220;Merger&#8221;), immediately followed by the merger of Brookline with and into Berkshire, with Berkshire as the surviving corporation (the &#8220;Holdco Merger&#8221;). Immediately following the Merger and the Holdco Merger (collectively, the &#8220;Mergers&#8221;), Berkshire Bank, the wholly-owned subsidiary of Berkshire, and two of Brookline&#8217;s wholly-owned banking subsidiaries, PCSB Bank and Bank Rhode Island, will merge with and into Brookline Bank, the wholly-owned subsidiary of Brookline, with Brookline Bank as the surviving bank (the &#8220;Bank Merger&#8221;). Each of Brookline and Berkshire will have equal representation on the board of directors of the surviving corporation and the surviving bank. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If the Mergers are completed, Brookline stockholders will be entitled to receive 0.42 shares of Berkshire common stock, $0.01 par value, for each share of Brookline common stock, $0.01 par value, that they own. The maximum number of shares of Berkshire common stock estimated to be issuable upon completion of the Mergers is 37,882,325. The value of the Merger Consideration will depend on the market price of Berkshire common stock on the effective date of the Mergers. Based on Berkshire&#8217;s closing price of $30.20 on December&#160;13, 2024, which was the last trading date preceding the public announcement of the proposed merger, each share of Brookline common stock exchanged for 0.42 shares of Berkshire common stock would have had a value of $12.68, or approximately $1.1&#160;billion in aggregate Merger Consideration. Based on Berkshire&#8217;s closing price of $&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the most recent practicable trading day prior to the printing of this document, each share of Brookline common stock exchanged for 0.42 shares of Berkshire common stock would have a value of $&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;. We urge you to obtain current market quotations for both Berkshire common stock and Brookline common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The common stock of Berkshire trades on the New York Stock Exchange under the symbol &#8220;BHLB.&#8221; The common stock of Brookline trades on the Nasdaq Global Select Market under the symbol &#8220;BRKL.&#8221; Following the Mergers, the common stock of the surviving corporation will be listed on the New York Stock Exchange under the symbol &#8220;BHLB.&#8221; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire will hold a virtual annual meeting of its stockholders (the &#8220;Berkshire Annual Meeting&#8221;) on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, where the Berkshire stockholders will be asked to vote on a proposal to approve the issuance of Berkshire common stock pursuant to the Merger Agreement (the &#8220;Berkshire Share Issuance Proposal&#8221;), a proposal to amend Berkshire&#8217;s Certificate of Incorporation to increase the number of authorized shares of common stock of the surviving corporation (the &#8220;Berkshire Certificate of Incorporation Amendment Proposal&#8221;), a proposal to approve the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan (the &#8220;Berkshire Equity Plan&#160;Proposal&#8221;), the election of directors, an advisory vote on executive compensation practices, and the ratification of Crowe LLP as Berkshire&#8217;s independent registered public accountants for 2025. The approval by Berkshire stockholders of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal are required to complete the Mergers. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline will hold a virtual special meeting of its stockholders (the &#8220;Brookline Special Meeting&#8221;) on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, where the Brookline stockholders will be asked to vote on </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:27.85pt;min-height:706pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">a proposal to adopt the Merger Agreement (the &#8220;Brookline Merger Proposal&#8221;) and a proposal to approve, on a non-binding advisory basis, the compensation that may become payable to the named executive officers of Brookline in connection with the Mergers (the &#8220;Brookline Merger-Related Compensation Proposal&#8221;). The approval by Brookline stockholders of the Brookline Merger Proposal is required to complete the Mergers. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Information about the Berkshire Annual Meeting, the Brookline Special Meeting, and the Mergers is contained in the accompanying Joint Proxy Statement/Prospectus. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Each of the boards of directors of Berkshire and Brookline unanimously recommends that holders of common stock vote &#8220;FOR&#8221; each of the proposals to be considered at the respective stockholder meetings. We strongly support this combination of our companies and join our boards in their recommendations.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="font-weight:normal;letter-spacing:0.2pt;">The accompanying Joint Proxy Statement/Prospectus provides you with detailed information about the Merger Agreement and the Mergers. It also contains or references information about Berkshire and Brookline and certain related matters. You are encouraged to read the accompanying Joint Proxy Statement/</font>&#8203;<font style="font-weight:normal;letter-spacing:0.2pt;">Prospectus carefully. </font><font style="letter-spacing:-0.2pt;">In particular, you should read the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:-0.2pt;">Risk Factors</font><font style="letter-spacing:-0.2pt;">&#8221; beginning on page&#160;[&#8199;&#8199;] for a discussion of the risks you should consider in evaluating the proposed merger and how it will affect you. You can also obtain information about Berkshire and Brookline from documents that have been filed with the Securities and Exchange Commission that are incorporated into this Joint Proxy Statement/Prospectus by reference.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font></div>
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          <font style="letter-spacing:0.2pt;">We look forward to your participation in the annual meeting and the special meeting and we appreciate your continued support. </font>
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              <font style="letter-spacing:0.2pt;">Nitin J. Mhatre</font>
              <br >
              <font style="letter-spacing:0.2pt;">President and Chief Executive Officer</font>
              <br >
              <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc. </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;">Paul A. Perrault</font>
              <br >
              <font style="letter-spacing:0.2pt;">Chairman and Chief Executive Officer</font>
              <br >
              <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc.</font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The securities of Berkshire to be issued in the Merger are not deposits or savings accounts or other obligations of any bank or savings association subsidiary of Berkshire or Brookline and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved the Mergers described in this document or the Berkshire securities to be issued in connection with the Mergers or passed upon the adequacy or accuracy of this document. Any representation to the contrary is a criminal offense</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The accompanying Joint Proxy Statement/Prospectus is dated &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, and it is first being mailed or otherwise delivered to stockholders of Berkshire and Brookline on or about &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025.</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">ABOUT THIS DOCUMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This Joint Proxy Statement/Prospectus, which we also refer to as &#8220;this document,&#8221; forms part of a registration statement on Form S-4 (Registration Statement No. 333-&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;) filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) by Berkshire, and constitutes a prospectus of Berkshire under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), with respect to the shares of Berkshire securities to be issued to Brookline stockholders, as required by the Merger Agreement. This document also constitutes a proxy statement for Berkshire and for Brookline. In addition, it constitutes a notice of meeting with respect to the annual meeting of stockholders of Berkshire and the special meeting of stockholders of Brookline. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You should rely only on the information contained in this document. No one has been authorized to provide you with information that is different from the information contained in this document. This document is dated &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. You should not assume that the information contained in this document is accurate as of any date other than that date. Neither the mailing of this document to either Berkshire stockholders or Brookline stockholders nor the issuance by Berkshire of its common stock in connection with the Mergers will create any implication to the contrary. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">This document does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a proxy, in any jurisdiction to or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Information contained in this document regarding Berkshire has been provided by Berkshire and information contained in this document regarding Brookline has been provided by Brookline.</font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:center; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font>
          <br >
          <font style="letter-spacing:-0.2pt;">60 State Street</font>
          <br >
          <font style="letter-spacing:-0.2pt;">Boston, Massachusetts 02109</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Notice of Annual Meeting of Stockholders to be held &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">To the Stockholders of Berkshire Hills Bancorp, Inc.: </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc. (&#8220;Berkshire&#8221;) will hold a virtual annual meeting of stockholders (the &#8220;Berkshire Annual Meeting&#8221;) at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, to be held exclusively via webcast at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, to consider and vote upon the following matters: </font>
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          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
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        <div style=" margin-top:7.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to approve the issuance of Berkshire common stock to holders of Brookline Bancorp, Inc. (&#8220;Brookline&#8221;) common stock pursuant to the Agreement and Plan of Merger, dated as of December&#160;16, 2024, by and among Berkshire Hills Bancorp, Inc., Commerce Acquisition Sub, Inc., and Brookline Bancorp, Inc. (the &#8220;Merger Agreement&#8221;) pursuant to which Commerce Acquisition Sub, Inc. will merge with and into Brookline (the &#8220;Merger&#8221;), with Brookline surviving the Merger, immediately followed by the merger of Brookline with and into Berkshire (the &#8220;Holdco Merger&#8221;), with Berkshire surviving the Holdco Merger (together with the Merger, the &#8220;Mergers&#8221;) (the &#8220;Berkshire Share Issuance Proposal&#8221;); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.01pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
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        <div style=" margin-top:7.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to approve an amendment to Berkshire&#8217;s Certificate of Incorporation to increase the number of authorized shares of common stock of the surviving corporation (the &#8220;Berkshire Certificate of Incorporation Amendment Proposal&#8221;); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.01pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
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        <div style=" margin-top:7.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to approve the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan (the &#8220;Berkshire Equity Plan&#160;Proposal&#8221;); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">to elect as directors the nominees named in the accompanying Joint Proxy Statement/Prospectus, each to serve a one-year term or until their successors are duly elected and qualified; provided that if the Mergers are consummated, the approval of this proposal will only have an effect until the completion of the Mergers because the composition of Berkshire&#8217;s board will be reconstituted upon completion of the Mergers, in accordance with the Merger Agreement (the &#8220;Berkshire Director Election Proposal&#8221;); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.01pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:7.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to approve, on a non-binding advisory basis, the compensation of Berkshire&#8217;s named executive officers (the &#8220;Berkshire Say-on-Pay Proposal&#8221;); </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(6)</font>
          <br >
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to ratify, on a non-binding advisory basis, the appointment of Crowe LLP as Berkshire&#8217;s independent registered public accounting firm for fiscal year 2025 (the &#8220;Berkshire Auditor Ratification Proposal&#8221;); and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.01pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(7)</font>
          <br >
        </div>
        <div style=" margin-top:7.01pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to adjourn the Berkshire Annual Meeting to a later date or dates, if necessary, to permit further solicitation of proxies if there are not sufficient votes at the time of the annual meeting to approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal or the Berkshire Equity Plan&#160;Proposal (the &#8220;Berkshire Adjournment Proposal&#8221;). </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">All of these items are described in more detail in the accompanying Joint Proxy Statement/Prospectus and its annexes. We urge you to read these materials carefully and in their entirety. The enclosed document forms a part of this notice. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; the Berkshire Share Issuance Proposal, &#8220;FOR&#8221; the Berkshire Certificate of Incorporation Amendment Proposal, &#8220;FOR&#8221; the Berkshire Equity Plan&#160;Proposal, &#8220;FOR&#8221; the Berkshire Director Election Proposal, &#8220;FOR&#8221; the Berkshire Say-on-Pay Proposal, &#8220;FOR&#8221; the Berkshire Auditor Ratification Proposal, and &#8220;FOR&#8221; the Berkshire Adjournment Proposal.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire stockholders of record as of the close of business on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 are entitled to notice of, and to vote at, the Berkshire Annual Meeting and any adjournments or postponements of the Berkshire Annual Meeting. </font>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">Your vote is very important.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Your proxy is being solicited by Berkshire&#8217;s board of directors. For the Mergers to be completed, the Berkshire Share Issuance Proposal must be approved by the affirmative vote of the majority of the votes cast at the Berkshire Annual Meeting, the Berkshire Certificate of Incorporation Amendment Proposal must be approved by the affirmative vote of the majority of the votes cast at the Berkshire Annual Meeting, and the Berkshire Equity Plan&#160;Proposal must be approved by the affirmative vote of the majority of the votes cast at the Berkshire Annual Meeting. The amendments to the Berkshire Certificate of Incorporation and the adoption of the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan each will become effective only if the Merger Agreement is approved by the Berkshire stockholders and the Mergers are completed. Directors are elected by a plurality of votes cast at the Berkshire Annual Meeting. The Berkshire Say-on-Pay Proposal and the Berkshire Auditor Ratification Proposal must be approved by the affirmative vote of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Whether or not you plan to attend the Berkshire Annual Meeting virtually, we urge you to vote. Stockholders of record may vote: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">By internet&#8201;&#8212;&#8201;access&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;and follow the on-screen instructions; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">By telephone&#8201;&#8212;&#8201;call&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;in the United States or&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;in foreign countries and follow the instructions; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">By mail&#8201;&#8212;&#8201;complete, sign, date and mail your proxy card in the envelope provided as soon as possible; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">By voting at the virtual annual meeting&#8201;&#8212;&#8201;access&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;and follow the on-screen instructions; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you plan to attend the Berkshire Annual Meeting virtually, you will be required to take certain actions ahead of the meeting so that you can participate. Please carefully read the sections in this document regarding attending and voting at the annual meeting to ensure that you comply with these requirements. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you hold your stock in &#8220;street name&#8221; through a banker or broker, please follow the instructions on the voting instruction card furnished by the record holder. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you have any questions or need assistance voting your shares, please contact our proxy solicitor, Innisfree M&amp;A Incorporated, toll free at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. </font>
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        <div style="margin-left:260pt; margin-top:8pt; width:196pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">By Order of the Board of Directors, </font>
        </div>
        <div style="margin-left:260pt; margin-top:18pt; width:196pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Wm. Gordon Prescott</font>
          <br >
          <font style="letter-spacing:0.2pt;">Senior Executive Vice President, General Counsel and Corporate Secretary </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Boston, Massachusetts</font> <br ><font style="letter-spacing:0.2pt;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025</font></div>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <img src="lg_brklbancorp-4c.jpg" alt="[MISSING IMAGE: lg_brklbancorp-4c.jpg]" height="77" width="252" >
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        <div style="margin-top:18.69pt; text-align:center; width:456pt; line-height:12.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">131 Clarendon Street, Boston, Massachusetts 02116</font>
          <br >
          <font style="letter-spacing:-0.2pt;">NOTICE OF THE SPECIAL MEETING OF STOCKHOLDERS</font>
          <br >
          <font style="letter-spacing:-0.2pt;">TO BE HELD ON &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">To the Stockholders of Brookline Bancorp, Inc.: </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc. (&#8220;Brookline&#8221;) will hold a special meeting of stockholders (the &#8220;Brookline Special Meeting&#8221;), to be held by means of remote communication on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, to consider and vote upon the following matters: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
          <br >
        </div>
        <div style=" margin-top:9.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to adopt the Agreement and Plan of Merger, dated as of December&#160;16, 2024, by and among Berkshire Hills Bancorp, Inc. (&#8220;Berkshire&#8221;), Commerce Acquisition Sub, Inc. and Brookline (the &#8220;Merger Agreement&#8221;), pursuant to which Commerce Acquisition Sub, Inc. will merge with and into Brookline (the &#8220;Merger&#8221;), with Brookline surviving the Merger, and, immediately following the Merger, Brookline will merge with and into Berkshire (the &#8220;Holdco Merger&#8221;), with Berkshire surviving the Holdco Merger (together with the Merger, the &#8220;Mergers&#8221;) (the &#8220;Brookline Merger Proposal&#8221;); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
          <br >
        </div>
        <div style=" margin-top:9.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to approve, on a non-binding advisory basis, the compensation that may become payable to the named executive officers of Brookline in connection with the Mergers (the &#8220;Brookline Merger-Related Compensation Proposal&#8221;); and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:9.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3.</font>
          <br >
        </div>
        <div style=" margin-top:9.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a proposal to adjourn the special meeting to a later date or dates, if necessary, to permit further solicitation of proxies if there are not sufficient votes at the time of the special meeting to approve the Brookline Merger Proposal (the &#8220;Brookline Adjournment Proposal&#8221;). </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">All of these items are described in more detail in the accompanying Joint Proxy Statement/Prospectus and its annexes. We urge you to read these materials carefully and in their entirety. The enclosed document forms a part of this notice. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Brookline board of directors unanimously recommends that the Brookline stockholders vote &#8220;FOR&#8221; the Brookline Merger Proposal, &#8220;FOR&#8221; the Brookline Merger-Related Compensation Proposal, and &#8220;FOR&#8221; the Brookline Adjournment Proposal.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline stockholders of record as of the close of business on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, are entitled to notice of, and to vote at, the Brookline Special Meeting and any adjournments or postponements of the Brookline Special Meeting. Stockholders as of the record date may attend the Brookline Special Meeting by visiting&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;and entering the 16-digit control number included on their proxy card. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Your vote is very important. Your proxy is being solicited by Brookline&#8217;s board of directors. For the proposed merger to be completed, the Brookline Merger Proposal must be approved by the affirmative vote of a majority of the issued and outstanding shares of Brookline common stock. The Brookline Merger-Related Compensation Proposal will be approved if a majority of the votes cast on such proposal at the Brookline Special Meeting are voted in favor of such proposal. The Brookline Adjournment Proposal will be approved if a majority of the votes cast on such proposal at the Brookline Special Meeting are voted in favor of such proposal. </font>
        </div>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Whether or not you plan to attend the Brookline Special Meeting, please vote at your earliest convenience by following the instructions included in the accompanying proxy card. You may revoke your proxy at any time before the Brookline Special Meeting by following the instructions provided in the proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. </font></div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Sincerely, </font>
        </div>
        <div style="margin-top:18pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Marissa Martin</font> <br ><font style="letter-spacing:0.2pt;">General Counsel and Corporate Secretary</font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts</font> <br ><font style="letter-spacing:0.2pt;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025</font></div>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">ADDITIONAL INFORMATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Both Berkshire and Brookline file annual, quarterly and special reports, proxy statements and other business and financial information electronically with the SEC. In addition, this document incorporates important business and financial information about Berkshire and Brookline from documents filed with the SEC that have not been included in or delivered with this document. You can obtain any of the documents filed with or furnished to the SEC by Berkshire or Brookline at no cost from the SEC&#8217;s website at www.sec.gov. You will also be able to obtain these documents free of charge from Berkshire at Berkshire&#8217;s website at www.berkshirebank.com under the &#8220;About&#8201;&#8212;&#8201;Investor Relations&#8221; tab, and then under &#8220;Filings &amp; Financials,&#8221; or from Brookline by accessing Brookline&#8217;s website at www.brooklinebancorp.com under the &#8220;SEC Filings&#8221; tab. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Where You Can Find More Information</font><font style="letter-spacing:0.2pt;">&#8221; on page 154. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You also may request orally or in writing copies of these documents at no cost by contacting the appropriate company at the following addresses: </font>
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        <table style="width:456pt;margin-bottom:5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:222pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc.</font>
                <br >
                <font style="letter-spacing:0.2pt;">60 State Street</font>
                <br >
                <font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109</font>
                <br >
                <font style="letter-spacing:0.2pt;">Attention: Wm. Gordon Prescott</font>
                <br >
                <font style="letter-spacing:0.2pt;">Telephone: 800-773-5601 ext. 133773 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:222pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc.</font>
                <br >
                <font style="letter-spacing:0.2pt;">131 Clarendon Street</font>
                <br >
                <font style="letter-spacing:0.2pt;">Boston, Massachusetts 02116</font>
                <br >
                <font style="letter-spacing:0.2pt;">Attention: Marissa Martin</font>
                <br >
                <font style="letter-spacing:0.2pt;">Telephone: 617-425-4600</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">If you are a Berkshire stockholder or Brookline stockholder and would like to request documents from Berkshire or Brookline, please do so by &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 to receive them before the Berkshire Annual Meeting or the Brookline Special Meeting</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;">. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The information on Berkshire&#8217;s and Brookline&#8217;s websites is not part of this document. References to Berkshire&#8217;s and Brookline&#8217;s websites in this document are intended to serve as textual references only.</font>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="TOC">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;height:660pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">TABLE OF CONTENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:584.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:427.33pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Page </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:427.33pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <a href="#tQAAA"><font style="letter-spacing:0.2pt;">QUESTIONS AND ANSWERS ABOUT THE MERGER, THE BERKSHIRE ANNUAL MEETING AND THE BROOKLINE SPECIAL MEETING </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tQAAA">1</a></font> <a href="#tQAAA"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tSUM"><font style="letter-spacing:0.2pt;">SUMMARY </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSUM">14</a></font> <a href="#tSUM"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tRIFA"><font style="letter-spacing:0.2pt;">RISK FACTORS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tRIFA">24</a></font> <a href="#tRIFA"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tCSAF"><font style="letter-spacing:0.2pt;">CAUTIONARY STATEMENT ABOUT FORWARD-LOOKING STATEMENTS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tCSAF">29</a></font> <a href="#tCSAF"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tPPD"><font style="letter-spacing:0.2pt;">PURCHASE PRICE DETERMINATION </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tPPD">31</a></font> <a href="#tPPD"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:427.33pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <a href="#tUPFC"><font style="letter-spacing:0.2pt;">UNAUDITED PRO FORMA COMBINED CONDENSED CONSOLIDATED FINANCIAL DATA </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tUPFC">32</a></font> <a href="#tUPFC"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tAMOB"><font style="letter-spacing:0.2pt;">ANNUAL MEETING OF BERKSHIRE STOCKHOLDERS </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tAMOB">39</a></font> <a href="#tAMOB"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tBPN1"><font style="letter-spacing:0.2pt;">BERKSHIRE PROPOSAL NO. 1 THE BERKSHIRE SHARE ISSUANCE PROPOSAL </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tBPN1">43</a></font> <a href="#tBPN1"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:427.33pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <a href="#tBPN2"><font style="letter-spacing:0.2pt;">BERKSHIRE PROPOSAL NO. 2 THE BERKSHIRE CERTIFICATE OF INCORPORATION AMENDMENT PROPOSAL </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tBPN2">44</a></font> <a href="#tBPN2"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tBPN3"><font style="letter-spacing:0.2pt;">BERKSHIRE PROPOSAL NO. 3 THE BERKSHIRE EQUITY PLAN PROPOSAL </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tBPN3">45</a></font> <a href="#tBPN3"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tBPN4"><font style="letter-spacing:0.2pt;">BERKSHIRE PROPOSAL NO. 4 THE BERKSHIRE DIRECTOR ELECTION PROPOSAL </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tBPN4">51</a></font> <a href="#tBPN4"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tBPN5"><font style="letter-spacing:0.2pt;">BERKSHIRE PROPOSAL NO. 5 THE BERKSHIRE SAY-ON-PAY PROPOSAL </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:14.25pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tBPN5">52</a></font> <a href="#tBPN5"></a></td>
            <td style="padding:0pt;padding-left:0.0550000000000015pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:427.33pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tBPN6"><font style="letter-spacing:0.2pt;">BERKSHIRE PROPOSAL NO. 6 THE BERKSHIRE AUDITOR RATIFICATION PROPOSAL </font></a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
                <a href="#tANC"><font style="letter-spacing:0.2pt;">Annex C&#8201;&#8212;&#8201;Hovde Group, LLC Fairness Opinion </font></a>
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              <font style="letter-spacing:0.2pt;"><a href="#tANC">C-1</a></font> <a href="#tANC"></a></td>
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              <div style="white-space:nowrap;">
                <a href="#tAND"><font style="letter-spacing:0.2pt;">Annex D&#8201;&#8212;&#8201;Berkshire Hills Bancorp, Inc. Restated Certificate of Incorporation </font></a>
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              <div style="white-space:nowrap;">
                <a href="#tANE"><font style="letter-spacing:0.2pt;">Annex E&#8201;&#8212;&#8201;Berkshire Hills Bancorp, Inc. Amended Bylaws </font></a>
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              <div style="white-space:nowrap;">
                <a href="#tANF"><font style="letter-spacing:0.2pt;">Annex F&#8201;&#8212;&#8201;Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan </font></a>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tQAAA">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">QUESTIONS AND ANSWERS ABOUT THE MERGER,</font>
          <br >
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE ANNUAL MEETING AND THE BROOKLINE SPECIAL MEETING</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The following questions and answers are intended to address briefly some commonly asked questions regarding the Berkshire Hills Bancorp, Inc. (&#8220;Berkshire&#8221;) annual meeting (the &#8220;Berkshire Annual Meeting&#8221;) and the Brookline Bancorp, Inc. (&#8220;Brookline&#8221;) special meeting (the &#8220;Brookline Special Meeting&#8221;). These questions and answers may not address all questions that may be important to you as a Berkshire or Brookline stockholder. To more fully understand the Merger, the Berkshire Annual Meeting and the Brookline Special Meeting, you should read this entire Joint Proxy Statement/Prospectus, including the materials attached as annexes, as well as the documents that have been incorporated by reference into this Joint Proxy Statement/Prospectus. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Why am I receiving this Joint Proxy Statement/Prospectus?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">You are receiving this Joint Proxy Statement/Prospectus because Berkshire, Commerce Acquisition Sub, Inc., a wholly-owned subsidiary of Berkshire (&#8220;Merger Sub&#8221;), and Brookline have entered into an Agreement and Plan of Merger, dated as of December&#160;16, 2024 (as may be amended, supplemented or modified from time to time in accordance with its terms, the &#8220;Merger Agreement&#8221;), pursuant to which Merger Sub will merge with and into Brookline, with Brookline as the surviving corporation (the &#8220;Merger&#8221;), immediately followed by the Merger of Brookline with and into Berkshire, with Berkshire as the surviving corporation (the &#8220;Holdco Merger&#8221;, and together with the Merger, the &#8220;Mergers&#8221;). The parties then intend to cause Berkshire&#8217;s wholly-owned bank subsidiary, Berkshire Bank, and two of Brookline&#8217;s wholly-owned bank subsidiaries, Bank Rhode Island and PCSB Bank, to merge with and into Brookline Bank, with Brookline Bank as the surviving bank (the &#8220;Bank Merger&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">In order to complete the Merger, among other things: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Holders of Berkshire common stock (&#8220;Berkshire stockholders&#8221;) must approve the issuance of shares of Berkshire common stock, $0.01 par value (&#8220;Berkshire common stock&#8221;), to the stockholders of Brookline (&#8220;Brookline stockholders&#8221;), pursuant to the Merger Agreement (the &#8220;Berkshire Share Issuance Proposal&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">Berkshire stockholders must approve the amendment of Berkshire&#8217;s Certificate of Incorporation to increase the number of authorized shares of common stock of the surviving corporation (the &#8220;Berkshire Certificate of Incorporation Amendment Proposal&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire stockholders must approve the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan (the &#8220;Berkshire Equity Plan&#160;Proposal&#8221;); and </font>
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          <font style="letter-spacing:0.2pt;">Brookline stockholders must adopt the Merger Agreement (the &#8220;Brookline Merger Proposal&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">Berkshire is holding the virtual Berkshire Annual Meeting to obtain approval of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal. In addition, Berkshire stockholders will be asked to approve a proposal to adjourn the Berkshire Annual Meeting to a later date or dates, if necessary, to permit further solicitation of proxies if there are not sufficient votes at the time of the Berkshire Annual Meeting to approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal (the &#8220;Berkshire Adjournment Proposal&#8221;). The amendments to the Berkshire Certificate of Incorporation and the adoption of the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan each will become effective only if the Merger Agreement is approved by the Berkshire stockholders and the Mergers are completed. </font>
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          <font style="letter-spacing:0.2pt;">Berkshire stockholders will also be asked to vote on the election of directors named in this Joint Proxy Statement/Prospectus, provided that if the Mergers are consummated, the approval of this proposal will only have an effect until the completion of the Mergers because the composition of Berkshire&#8217;s board will be reconstituted upon completion of the Mergers, in accordance with the Merger Agreement (the &#8220;Berkshire Director Election Proposal&#8221;). In addition, Berkshire stockholders will be asked to approve, on a non-binding advisory basis, the compensation paid to the named executive officers of Berkshire (the &#8220;Berkshire Say-on-Pay Proposal&#8221;), and the ratification of Crowe LLP as Berkshire&#8217;s independent registered public accounting firm for fiscal year 2025 (the &#8220;Berkshire Auditor Ratification Proposal&#8221;). </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">1</font>
          <br >
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-left:20pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline is holding a virtual Brookline Special Meeting to obtain approval of the Brookline Merger Proposal. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In addition, Brookline stockholders will be asked to approve, on a non-binding, advisory basis, the compensation payable to the named executive officers of Brookline in connection with the Merger (the &#8220;Brookline Merger-Related Compensation Proposal&#8221;) and to approve a proposal to adjourn the Brookline Special Meeting to a later date or dates, if necessary, to permit further solicitation of proxies if there are not sufficient votes at the time of the Brookline Special Meeting to approve the Brookline Merger Proposal (the &#8220;Brookline Adjournment Proposal&#8221;). </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">This document is also a prospectus that is being delivered to Brookline stockholders because, pursuant to the Merger Agreement, Berkshire is offering shares of Berkshire common stock to Brookline stockholders. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We have included in this Joint Proxy Statement/Prospectus important information about the Merger, the Merger Agreement, a copy of which is included as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex&#160;A</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/Prospectus, the Berkshire proxy solicitation and the Brookline proxy solicitation. You should read this information carefully and in its entirety. Your vote is important, and we encourage you to submit your proxy as soon as possible. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What will happen in the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">In the Mergers, Merger Sub will merge with and into Brookline, and Brookline will merge with and into Berkshire, with Berkshire as the surviving corporation. In the Bank Merger, which will occur promptly after the Mergers, Berkshire Bank, Bank Rhode Island, and PCSB Bank will merge with and into Brookline Bank, with Brookline Bank as the surviving bank. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Each share of Brookline common stock, par value $0.01 per share (&#8220;Brookline common stock&#8221;), issued and outstanding immediately prior to the effective time of the Merger (the &#8220;effective time&#8221;) will be canceled and converted into the right to receive 0.42 shares (the &#8220;exchange ratio&#8221;) of Berkshire common stock (the &#8220;Merger Consideration&#8221;), as further described in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Consideration to be Received in the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">After completion of the Mergers, (i)&#160;Brookline will no longer be a public company and will cease to exist, (ii)&#160;Brookline common stock will be delisted from the Nasdaq Stock Market (&#8220;Nasdaq&#8221;) and will cease to be publicly traded, and (iii)&#160;Brookline common stock will be deregistered under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). After the completion of the Mergers, Berkshire stockholders will continue to own their existing shares of Berkshire common stock. See the Merger Agreement for more information about the Merger. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">When and where will the Berkshire Annual Meeting and the Brookline Special Meeting take place?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The Berkshire Annual meeting will be held virtually via live webcast, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 at&#160;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time. Berkshire stockholders will not be able to attend the meeting in person. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">The Brookline Special Meeting will be held virtually via live webcast, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time. Brookline stockholders will not be able to attend the meeting in person. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What matters will be considered at the Berkshire Annual Meeting and the Brookline Special Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">At the Berkshire Annual Meeting, Berkshire stockholders will be asked to consider and vote on the following proposals: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 1: The Berkshire Share Issuance Proposal; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 2: The Berkshire Certificate of Incorporation Amendment Proposal; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 3: The Berkshire Equity Plan&#160;Proposal; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 4: The Berkshire Director Election Proposal; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 5: The Berkshire Say-on-Pay Proposal; </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 6: The Berkshire Auditor Ratification Proposal; and </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 7: The Berkshire Adjournment Proposal. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">At the Brookline Special Meeting, Brookline stockholders will be asked to consider and vote on the following proposals: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Brookline Proposal 1: The Brookline Merger Proposal; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Brookline Proposal 2: The Brookline Merger-Related Compensation Proposal; and </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Brookline Proposal 3: The Brookline Adjournment Proposal. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In order to complete the Mergers, among other things, Berkshire stockholders must approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal, and Brookline stockholders must approve the Brookline Merger Proposal. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">None of the approvals of the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire Auditor Ratification Proposal, the Berkshire Adjournment Proposal, the Brookline Merger-Related Compensation Proposal, or the Brookline Adjournment Proposal is a condition to the obligations of Berkshire or Brookline to complete the Mergers. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Why must Berkshire stockholders approve the issuance of shares of Berkshire common stock in connection with the Mergers (i.e., the Berkshire Share Issuance Proposal)?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">The Berkshire stockholders are required to approve the issuance of shares of Berkshire common stock in connection with the Mergers, which will require the affirmative vote of a majority of votes cast at the Berkshire Annual Meeting. Because Berkshire is listed on the New York Stock Exchange (the &#8220;NYSE&#8221;) and is subject to the NYSE&#8217;s listing rules, and Berkshire will issue in excess of 20% of its outstanding shares of Berkshire common stock to Brookline stockholders in connection with the Mergers, under the NYSE&#8217;s listing rules, Berkshire stockholders are required to approve the issuance of shares of Berkshire common stock in connection with the Merger. The Mergers cannot be completed unless Berkshire stockholders approve the Berkshire Share Issuance Proposal. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What will Brookline stockholders receive in the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">In the Mergers, Brookline stockholders will receive 0.42 shares of Berkshire common stock for each share of Brookline common stock held immediately prior to the completion of the Merger. Berkshire will not issue any fractional shares of Berkshire common stock in the Mergers. Brookline stockholders who would otherwise be entitled to a fractional share of Berkshire common stock in the Mergers will instead receive an amount in cash without interest) determined by multiplying such fractional interest by the average closing price per share of Berkshire common stock, as reported on Nasdaq (as reported in The Wall Street Journal or, if not reported therein, in another authoritative source), for the ten consecutive trading days ending on the day immediately prior to the closing date of the Mergers (the &#8220;Berkshire average share price&#8221;), rounded to the nearest whole cent. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What will Berkshire stockholders receive in the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">In the Mergers, Berkshire stockholders will not receive any consideration, and their shares of Berkshire common stock will remain outstanding and will constitute shares of Berkshire common stock following the Mergers. Following the Mergers, shares of Berkshire common stock will continue to be traded on the NYSE. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">Will the value of the Merger Consideration change between the date of the Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:-0.2pt;">Prospectus and the time the Mergers are completed?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font></div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. Upon consummation of the Mergers, each issued and outstanding share of Brookline common stock will be canceled and converted into the right to receive a number of shares of Berkshire common stock based upon the exchange ratio. As such, the value of the Merger Consideration will largely </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">3</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">depend on the market price for a share of Berkshire common stock at the time the Mergers are completed. The market price for a share of Berkshire common stock when Brookline stockholders receive such shares of Berkshire common stock after the Mergers are completed could be greater than, less than, or the same as the market price of shares of Berkshire common stock on the date of this Joint Proxy Statement/Prospectus. Neither Berkshire nor Brookline is permitted to terminate the Merger Agreement as a result of any increase or decrease in the market price of Berkshire common stock or Brookline common stock. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What equity stake will Berkshire and Brookline stockholders hold in the surviving corporation immediately following the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">Immediately following completion of the Mergers, current Berkshire stockholders will own in the aggregate approximately 55% of the outstanding shares of the surviving corporation&#8217;s common stock, and Brookline stockholders will own in the aggregate approximately 45% of the outstanding shares of the surviving corporation&#8217;s common stock. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">How will the Mergers affect Brookline equity awards?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">At the effective time of the Merger, except as otherwise agreed between Berkshire and Brookline, all outstanding time or performance-based restricted stock awards in respect of a share of Brookline common stock under the Brookline Bancorp, Inc. 2021 Stock Option and Incentive Plan (the &#8220;Brookline Stock Plan&#8221;) will accelerate in full and fully vest, and be converted into the right for the holder to receive shares of Berkshire common stock in accordance with the exchange ratio. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Merger. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">How will the Mergers affect Berkshire equity awards?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">At the effective time of the Merger, except as otherwise agreed between Berkshire and Brookline, all outstanding time or performance-based restricted stock awards in respect of a share of Berkshire common stock under the Berkshire Hills Bancorp, Inc. 2018 Equity Incentive Plan and the Berkshire Hills Bancorp, Inc. 2022 Equity Incentive Plan (the &#8220;Berkshire Stock Plans&#8221;), will accelerate in full and fully vest. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Mergers. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Except as otherwise agreed between Berkshire and Brookline, all outstanding and unexercised stock options in respect of a share of Berkshire common stock under the Berkshire Stock Plans, shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest, and shall remain outstanding with the same exercise price to which they were subject prior to the effective time of the Mergers, and except as noted above, shall not otherwise be affected by the Mergers. </font>
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        <div style=" float:left; line-height:12pt; margin-top:12pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
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        <div style=" margin-top:12pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">How will the Merger affect Berkshire&#8217;s or Brookline&#8217;s existing 401(k) plan?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The Merger Agreement provides that, unless otherwise agreed between Berkshire and Brookline no later than ten days prior to the effective time of the Mergers, Brookline will terminate its 401(k) plan effective as of the day immediately prior to the effective time (but contingent upon the occurrence thereof) and adopt all required compliance amendments pursuant to written resolutions, the form and substance of which will be subject to reasonable review and comment by Berkshire. If the Brookline 401(k) plan is terminated, Berkshire agrees to permit participants in the Brookline 401(k) plan who are Brookline employees to roll over their account balances from such plan to Berkshire&#8217;s 401(k) plan, and such Brookline employees who satisfy the eligibility requirements of Berkshire&#8217;s 401(k) plan (taking into account credit for prior&#160;years of service with Brookline pursuant to the Merger Agreement, other than for purposes of profit-sharing contribution) will be eligible to immediately participate in Berkshire&#8217;s 401(k) plan. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">4</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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        <div style=" line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">How does the Berkshire board of directors recommend that I vote at the Berkshire Annual Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">The Berkshire board of directors (the &#8220;Berkshire board&#8221;) has unanimously (i)&#160;determined that the issuance of Berkshire common stock is in the best interests of Berkshire and its stockholders, and (ii)&#160;approved the Merger Agreement and the consummation of the transactions contemplated thereby, including the issuance of Berkshire common stock. The Berkshire board unanimously recommends that Berkshire stockholders vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Share Issuance Proposal, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Certificate of Incorporation Amendment Proposal, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Equity Plan&#160;Proposal, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Director Election Proposal; &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Say-on-Pay Proposal, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Auditor Ratification Proposal, and &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Adjournment Proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">See the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Berkshire&#8217;s Reasons for the Merger; Recommendation of the Berkshire Board of Directors</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] for a more detailed discussion of the Berkshire board&#8217;s recommendations and reasons therefor. In addition, certain of Berkshire&#8217;s officers and directors have financial interests in the transactions contemplated by the Merger Agreement that are different from, or in addition to, the interests of Berkshire stockholders. These interests are described in more detail in the section titled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Interests of Berkshire Directors and Executive Officers in the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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        <div style=" float:left; line-height:12pt; margin-top:11.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
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        <div style=" margin-top:11.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">How does the Brookline board of directors recommend that I vote at the Brookline Special Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The Brookline board of directors (the &#8220;Brookline board&#8221;) has unanimously (i)&#160;determined that the Merger Agreement and the Merger are in the best interests of Brookline, and (ii)&#160;approved the Merger Agreement, the Merger, and the other actions contemplated by the Merger Agreement. The Brookline board unanimously recommends that Brookline stockholders vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Brookline Merger Proposal, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Brookline Merger-Related Compensation Proposal, and &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Brookline Adjournment Proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">See the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Brookline&#8217;s Reasons for the Mergers; Recommendation of the Brookline Board of Directors</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] for a more detailed discussion of the Brookline board&#8217;s recommendations and reasons therefor. In addition, certain of Brookline&#8217;s officers and directors have financial interests in the transactions contemplated by the Merger Agreement that are different from, or in addition to, the interests of Brookline stockholders. These interests are described in more detail in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Interests of Brookline Directors and Executive Officers in the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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        <div style=" float:left; line-height:12pt; margin-top:11.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
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        <div style=" margin-top:11.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">Who is entitled to vote at the Berkshire Annual Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">The holders of record of Berkshire common stock at the close of business on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the date the Berkshire board has fixed as the record date for the Berkshire Annual Meeting (the &#8220;Berkshire record date&#8221;) are entitled to vote at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire stockholders are entitled to one vote for each share of Berkshire common stock held as of the Berkshire record date. As of the close of business on the Berkshire record date, there were &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199; outstanding shares of Berkshire common stock. </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Attendance at the Berkshire Annual Meeting is not required to vote. See below and the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Annual Meeting of Berkshire Stockholders&#8201;&#8212;&#8201;How to Vote</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page&#160;[&#8199;&#8199;] for instructions on how to vote your shares of Berkshire common stock. </font>
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        <div style=" float:left; line-height:12pt; margin-top:11.81pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
        </div>
        <div style=" margin-top:11.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">Who is entitled to vote at the Brookline Special Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The holders of record of Brookline common stock at the close of business on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the date the Brookline board has fixed as the record date for the Brookline Special Meeting (the &#8220;Brookline record date&#8221;), are entitled to vote at the Brookline Special Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline stockholders are entitled to one vote for each share of Brookline common stock held as of the Brookline record date. As of the close of business on the Brookline record date, there were &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199; outstanding shares of Brookline common stock. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">5</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Attendance at the Brookline Special Meeting is not required to vote. See below and the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Special Meeting of Brookline Stockholders&#8201;&#8212;&#8201;How to Vote</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] for instructions on how to vote your shares of Brookline common stock. </font>
        </div>
        <div style=" float:left; line-height:12pt; margin-top:11.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
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        <div style=" margin-top:11.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
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          <font style="letter-spacing:-0.2pt;">What constitutes a quorum for the Berkshire Annual Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">A quorum, consisting of the holders of a majority of all the shares of Berkshire common stock entitled to vote at the Berkshire Annual Meeting, must be present in person or by proxy before any action may be taken at the Berkshire Annual Meeting. Once a share of Berkshire common stock is represented at the Berkshire Annual Meeting, it will be counted for the purpose of determining a quorum not only at the Berkshire Annual Meeting but also at any adjournment or postponement of the Berkshire Annual Meeting. In the event that a quorum is not present at the Berkshire Annual Meeting, it is expected that the Berkshire Annual Meeting will be adjourned or postponed. Abstentions and broker non-votes will not be counted for purposes of determining the number of votes cast on a proposal, but abstentions and broker non-votes will be treated as present for quorum purposes. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:11.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
        </div>
        <div style=" margin-top:11.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">What constitutes a quorum for the Brookline Special Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">A quorum, consisting of the holders of a majority of all the shares of Brookline common stock entitled to vote at the Brookline Special Meeting, must be present in person or by proxy before any action may be taken at the Brookline Special Meeting. Once a share of Brookline common stock is represented at the Brookline Special Meeting, it will be counted for the purpose of determining a quorum not only at the Brookline Special Meeting but also at any adjournment or postponement of the Brookline Special Meeting. In the event that a quorum is not present at the Brookline Special Meeting, it is expected that the Brookline Special Meeting will be adjourned or postponed. Abstentions and broker non-votes (if any) will not be counted for purposes of determining the number of votes cast on a proposal, but abstentions will be treated as present for quorum purposes. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:11.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
          <br >
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        <div style=" margin-top:11.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:bold;">
          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">What vote is required for the approval of each proposal at the Berkshire Annual Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Proposal 1&#8201;&#8212;&#8201;The Berkshire Share Issuance Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Berkshire Share Issuance Proposal requires the affirmative vote of a majority of votes cast at the Berkshire Annual Meeting. If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee (which we refer to as a broker non-vote) with respect to the Berkshire Share Issuance Proposal, it will have no effect on such proposal. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Proposal 2&#8201;&#8212;&#8201;The Berkshire Certificate of Incorporation Amendment Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Berkshire Certificate of Incorporation Amendment Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. If you fail to submit a proxy or to vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to the Berkshire Certificate of Incorporation Amendment Proposal, it will have no effect on such proposal. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Proposal 3&#8201;&#8212;&#8201;The Berkshire Equity Plan&#160;Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Berkshire Equity Plan&#160;Proposal requires the affirmative vote of a majority of votes cast at the Berkshire Annual Meeting. If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to the Berkshire Equity Plan&#160;Proposal, it will have no effect on such proposal. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Proposal 4&#8201;&#8212;&#8201;The Berkshire Director Election Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Directors will be elected by a plurality of the votes cast at the Berkshire Annual Meeting. If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to the Berkshire Director Election Proposal, it will have no effect on such proposal. </font>
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          <font style="letter-spacing:0.2pt;">Berkshire Proposal 5&#8201;&#8212;&#8201;The Berkshire Say-on-Pay Proposal</font><font style="font-style:normal;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Berkshire Say-on-Pay Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">6</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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          <font style="letter-spacing:0.2pt;">If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to the Berkshire Say-on-Pay Proposal, it will have no effect on such proposal. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Proposal 6&#8201;&#8212;&#8201;The Berkshire Auditor Ratification Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Berkshire Auditor Ratification Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to the Berkshire Auditor Ratification Proposal, it will have no effect on such proposal. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Proposal 7&#8201;&#8212;&#8201;The Berkshire Adjournment Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Berkshire Adjournment Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to the Berkshire Adjournment Proposal, it will have no effect on such proposal. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What vote is required for the approval of each proposal at the Brookline Special Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Brookline Proposal 1&#8201;&#8212;&#8201;The Brookline Merger Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Brookline Merger Proposal requires the affirmative vote of a majority of the outstanding shares of Brookline capital stock entitled to vote on the proposal. If you fail to submit a proxy or to vote in person at the Brookline Special Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee (which we refer to as a broker non-vote) with respect to the Brookline Merger Proposal, it will have the same effect as a vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">AGAINST</font><font style="letter-spacing:0.2pt;">&#8221; such proposal. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Brookline Proposal 2&#8201;&#8212;&#8201;The Brookline Merger-Related Compensation Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the non-binding, advisory Brookline Merger-Related Compensation Proposal requires the affirmative vote of a majority of the votes cast at the Brookline Special Meeting. If you fail to submit a proxy or to vote in person at the Brookline Special Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or submit as a broker non-vote with respect to the Brookline Merger-Related Compensation Proposal, it will have no effect on such proposal. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Brookline Proposal 3&#8201;&#8212;&#8201;The Brookline Adjournment Proposal</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Approval of the Brookline Adjournment Proposal requires the affirmative vote of a majority of the votes cast at the Brookline Special Meeting. If a quorum is present at the Brookline Special Meeting, if you fail to submit a proxy or to vote in person at the Brookline Special Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or submit as a broker non-vote with respect to the Brookline Adjournment Proposal, it will have no effect on such proposal. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Why am I being asked to consider and vote on the Brookline Merger-Related Compensation Proposal?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Under Securities and Exchange Commission (&#8220;SEC&#8221;) rules, Brookline is required to seek a non-binding, advisory vote with respect to the compensation that may be paid or become payable to Brookline&#8217;s named executive officers that is based on or otherwise relates to the Mergers, or &#8220;golden parachute&#8221; compensation. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What will happen if Brookline stockholders do not approve the Brookline Merger-Related Compensation Proposal?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The vote with respect to the Brookline compensation proposal is an advisory vote and will not be binding on Brookline or the Brookline board. Therefore, if the Brookline Merger Proposal is not approved by Brookline stockholders, the compensation described in the Brookline Merger-Related Compensation Proposal could still be paid to the Brookline named executive officers, if and to the extent required or allowed under applicable law, even if Brookline stockholders do not approve the Brookline compensation proposal. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">7</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What if I hold shares in both Berkshire and Brookline?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">If you hold shares of both Berkshire common stock and Brookline common stock, you will receive separate packages of proxy materials. A vote cast as a Berkshire stockholder will not count as a vote cast as a Brookline stockholder, and a vote cast as a Brookline stockholder will not count as a vote cast as a Berkshire stockholder. Therefore, please submit separate proxies for your shares of Berkshire common stock and your shares of Brookline common stock. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">How can I attend, vote and ask questions at the Berkshire Annual Meeting or the Brookline Special Meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Record Holders</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you hold shares directly in your name as the holder of record of Berkshire common stock or Brookline common stock, you are a &#8220;record holder&#8221; and your shares may be voted at the Berkshire Annual Meeting or the Brookline Special Meeting by you. If you choose to vote your shares virtually at the respective special meeting via the applicable special meeting website, you will need the control number, as described below. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Beneficial Owners</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you hold shares in a brokerage or other account in &#8220;street name,&#8221; you are a &#8220;beneficial owner&#8221; and your shares may be voted at the Berkshire Annual Meeting or the Brookline Special Meeting, as applicable, by you as described below. If you choose to vote your shares virtually at the respective special meeting via the applicable special meeting website, you will need the control number, as described below. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Annual Meeting</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;To participate in the Berkshire Annual Meeting, visit &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. Berkshire stockholders may log into the meeting platform beginning at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. The live webcast will begin promptly at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time. Berkshire stockholders are encouraged to access the Berkshire Annual Meeting website prior to the start of the meeting and to allow sufficient time to complete the online registration process. You should plan to have your proxy card available when you vote, as you will need the number that is printed in the box on the proxy card marked by the arrow. This is your control number. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Brookline Special Meeting</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;To participate in the Brookline Special Meeting, visit &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. Brookline stockholders may log into the meeting platform beginning at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. The live webcast will begin promptly at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time. Brookline stockholders are encouraged to access the Brookline Special Meeting website prior to the start of the meeting and to allow sufficient time to complete the online registration process. You should plan to have your proxy card available when you vote, as you will need the number that is printed in the box on the proxy card marked by the arrow. This is your control number. </font>
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          <font style="letter-spacing:0.2pt;">Berkshire and Brookline recommend that you vote your shares in advance so that your vote will be counted if you later decide not to or become unable to attend the respective stockholder meeting. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">How can I vote my shares without attending my respective special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Whether you hold your shares directly as the record holder of Berkshire common stock or Brookline common stock or beneficially in &#8220;street name,&#8221; you may direct your vote by proxy without attending the Berkshire Annual Meeting or the Brookline Special Meeting, as applicable. If you are a record holder of Berkshire common stock or Brookline common stock, you can vote your shares by proxy via the Internet, by mobile device or by mail by following the instructions provided in the enclosed proxy card. If you hold shares beneficially in &#8220;street name&#8221; as a beneficial owner of Berkshire common stock or Brookline common stock, you should follow the voting instructions provided by your bank, broker, trustee or other nominee. </font>
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          <font style="font-style:normal;letter-spacing:0.2pt;">Additional information on voting procedures can be found under the section entitled &#8220;</font><font style="letter-spacing:0.2pt;">Annual Meeting of Berkshire Stockholders&#8201;&#8212;&#8201;How to Vote</font><font style="font-style:normal;letter-spacing:0.2pt;">&#8221; on page [&#8199;&#8199;] and under the section entitled &#8220;</font><font style="letter-spacing:0.2pt;">Special Meeting of Brookline Stockholders&#8201;&#8212;&#8201;How to Vote</font><font style="font-style:normal;letter-spacing:0.2pt;">&#8221; on page [&#8199;&#8199;]. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">8</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What do I need to do now?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Read and consider the information contained in this Joint Proxy Statement/Prospectus, including the Annexes carefully and then please submit as soon as possible either your Berkshire proxy, in the case of Berkshire stockholders, or your Brookline proxy, in the case of Brookline stockholders. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">If my shares of Berkshire common stock or Brookline common stock are held in street name by my broker, will my broker automatically vote my shares for me?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">No. Your bank, broker or other nominee will not be able to vote shares held by it in street name on your behalf without instructions from you. You should instruct your bank, broker or other nominee to vote your shares by following the directions your bank, broker or other nominee provides to you. Please check the voting instructions form used by your bank, broker or other nominee. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What is a &#8220;broker non-vote&#8221;?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">A &#8220;broker non-vote&#8221; occurs when a broker, bank or other nominee holding shares on your behalf does not receive voting instructions from you. If that happens, the broker, bank or other nominee may vote those shares only on matters deemed &#8220;routine&#8221; under the rules of the NYSE. On non-routine matters, the broker, bank or other nominee cannot vote those shares unless they receive voting instructions from the beneficial owner. A &#8220;broker non-vote&#8221; occurs when a broker has not received voting instructions and either declines to exercise its discretionary authority to vote on routine matters or is barred from doing so because the matter is non-routine. The Brookline Merger Proposal, the Brookline Merger-Related Compensation Proposal, and the Brookline Adjournment Proposal are considered to be &#8220;non-routine&#8221; under NYSE rules such that your broker, bank or other agent may not vote your shares on those proposals in the absence of your voting instructions. The Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, and the Berkshire Adjournment Proposal are considered to be &#8220;non-routine&#8221; under NYSE rules such that your broker, bank or other agent may not vote your shares on those proposals in the absence of your voting instructions. The Berkshire Auditor Ratification Proposal is considered to be a &#8220;routine&#8221; matter. Your broker, bank or other agent, therefore, may vote your shares in its discretion in the absence of your voting instructions. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What if I abstain from voting or fail to instruct my bank, broker or other nominee?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">For the purposes of the Berkshire Annual Meeting, an abstention occurs when a Berkshire stockholder attends the Berkshire Annual Meeting and does not vote or returns a proxy with an &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; instruction. Abstentions and broker non-votes of shares of Berkshire common stock will not have any effect on the approval of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire Auditor Ratification Proposal, or the Berkshire Adjournment Proposal. </font>
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          <font style="letter-spacing:0.2pt;">For purposes of the Brookline Special Meeting, an abstention occurs when a Brookline stockholder attends the Brookline Special Meeting and does not vote or returns a proxy with an &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; instruction. In the event that a quorum is present, abstentions and broker non-votes of shares of Brookline common stock will have the same effect as a vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">AGAINST</font><font style="letter-spacing:0.2pt;">&#8221; the Brookline Merger Proposal. Abstentions and broker non-votes of shares of Berkshire common stock will not have any effect on the approval of the Brookline Merger-Related Compensation Proposal, and the Brookline Adjournment Proposal at the Brookline Special Meeting. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Why is my vote important?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The Merger cannot be completed unless Berkshire stockholders approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal, and Brookline stockholders approve the Brookline Merger Proposal, which are the only applicable Berkshire or Brookline stockholder proposals necessary to complete the Mergers. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">9</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">Information about the Berkshire Annual Meeting and the Brookline Special Meeting, the Mergers, and other matters to be considered by stockholders of each of Berkshire and Brookline is contained in this document. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What if I am a record holder and I do not indicate a decision with respect to the matters required to be voted on?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">If you are a record holder of Berkshire common stock or Brookline common stock and you returned a signed proxy card without indicating how to vote on any particular proposal, the shares of Berkshire common stock represented by your proxy will be voted as recommended by the Berkshire board with respect to such proposals, or the shares of Brookline common stock represented by your proxy will be voted as recommended by the Brookline board with respect to such proposals, as the case may be. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Can I change my vote?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">You may revoke your proxy at any time before it is exercised. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire stockholders that are stockholders of record must give written notice of revocation to the Corporate Secretary of Berkshire, submit another properly signed proxy with a more recent date, vote again via the Internet or by telephone, or vote at the Berkshire Annual Meeting. Please note that simply participating in the Berkshire Annual Meeting in person without voting will not revoke your proxy. </font>
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          <font style="letter-spacing:0.2pt;">You may revoke a proxy for shares held by a bank, broker, or other nominee by submitting new voting instructions to the bank, broker, or other nominee or, if you have obtained a legal proxy from the bank, broker, or other nominee giving you the right to vote the shares at the Berkshire Annual Meeting, by following the voting instructions provided in the legal proxy. </font>
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          <font style="letter-spacing:0.2pt;">Brookline stockholders that are stockholders of record must file a written revocation with the Corporate Secretary of Brookline, submit a new proxy by telephone or the Internet, or submit a new proxy card after the time and date of the previously submitted proxy card, or attend the Brookline Special Meeting and vote at the Brookline Special Meeting. Simply attending the Brookline Special Meeting without voting will not revoke a Brookline proxy. </font>
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          <font style="letter-spacing:0.2pt;">If you have instructed a bank, broker or other nominee to vote your shares of Brookline common stock, you must follow directions received from the bank, broker or other nominee to change his or her vote. Revocation of a proxy or a later-dated proxy received by Brookline after the vote will not affect the vote. Attendance at the Brookline Special Meeting will not, in and of itself, constitute revocation of a proxy. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Will Berkshire be required to submit the Berkshire Share Issuance Proposal to its stockholders even if the Berkshire board has withdrawn, modified or qualified its recommendation?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. Unless the Merger Agreement is terminated before the Berkshire Annual Meeting, Berkshire is required to submit the Berkshire Share Issuance Proposal to Berkshire stockholders even if the Berkshire board has withdrawn, modified or qualified its recommendation. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:9.22pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Will Brookline be required to submit the Brookline Merger Proposal to its stockholders even if the Brookline board has withdrawn, modified or qualified its recommendation?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">A:</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">Yes. Unless the Merger Agreement is terminated before the Brookline Special Meeting, Brookline is required to submit the Brookline Merger Proposal to Brookline stockholders even if the Brookline board has withdrawn, modified or qualified its recommendation. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Will Berkshire stockholders have appraisal or dissenters&#8217; rights in connection with the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">No. Under the provisions of the Delaware General Corporation Law (the &#8220;DGCL&#8221;), Berkshire stockholders are not entitled to appraisal or dissenters&#8217; rights in the Merger. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Will Brookline stockholders have appraisal or dissenters&#8217; rights in connection with the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">No. Under the provisions of the DGCL, Brookline stockholders are not entitled to appraisal or dissenters&#8217; rights in the Merger. </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Are there any risks that should be considered in deciding whether to vote for the matters required to be voted on by the respective stockholders of Berkshire and Brookline?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Yes. Set forth under the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;], are a number of risk factors that Berkshire stockholders and Brookline stockholders should consider carefully. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What are the U.S. federal income tax consequences of the Mergers to Brookline stockholders?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The Mergers are intended to qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;) for U.S. federal income tax purposes, and each of Berkshire&#8217;s and Brookline&#8217;s obligations to complete the Mergers is conditioned on the receipt of a legal opinion to the effect that the Mergers will so qualify. Assuming the Mergers qualify as a reorganization, subject to the limitations and more detailed discussion set forth in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Material United States Federal Income Tax Consequences of the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;], Brookline stockholders generally will not recognize any gain or loss for U.S. federal income tax purposes on the exchange of their Brookline common stock for Berkshire common stock in the Mergers, except for any gain or loss that may result from the receipt of cash in lieu of a fractional share of Berkshire common stock. </font>
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          <font style="letter-spacing:0.2pt;">Brookline stockholders who receive cash in lieu of fractional shares will be treated as having received the fractional share and then having the fractional share redeemed by Berkshire for cash. Accordingly, a portion of their adjusted basis in shares of Brookline common stock surrendered pursuant to the Mergers will be allocated to the fractional share which is deemed to have been received and the Brookline stockholder will recognize gain or loss in an amount equal to the difference between the cash received for the fractional share and his or her adjusted basis allocable to that fractional share. </font>
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          <font style="letter-spacing:0.2pt;">The tax consequences of the Mergers to a particular Brookline stockholder will depend in part on such stockholder&#8217;s individual circumstances. Accordingly, each Brookline stockholder is urged to consult his or her own tax advisor for a full understanding of the tax consequences of the Merger to such stockholder, including the applicability and effect of U.S. federal, state, local and foreign income and other tax laws. </font>
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          <font style="letter-spacing:0.2pt;">For further information concerning the U.S. federal income tax consequences of the Mergers, see the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Material United States Federal Income Tax Consequences of the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">When do Berkshire and Brookline expect to complete the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The parties expect to complete the Mergers by the end of the second half of 2025; however, there is no assurance when or if the Mergers will occur. Prior to the consummation of the Mergers, Berkshire stockholders must approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal at the Berkshire Annual Meeting, Brookline stockholders must approve the Brookline Merger Proposal at the Brookline Special Meeting, and other conditions to the consummation of the Merger must be satisfied. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What are the conditions to complete the Mergers?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The obligations of Berkshire and Brookline to complete the Mergers are subject to the satisfaction or waiver of certain closing conditions contained in the Merger Agreement, including the receipt of requisite regulatory approvals and the expiration of all statutory waiting periods without the imposition of any materially burdensome regulatory condition, the receipt of certain tax opinions, the approval by Berkshire stockholders of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal, the approval by Brookline stockholders of the Brookline Merger Proposal, the authorization for listing on the NYSE of the shares of Berkshire common stock to be issued in the Merger, the effectiveness of the registration statement of which this Joint Proxy Statement/Prospectus forms a part, the absence of legal restraint prohibiting the Merger, the parties&#8217; performance of their respective obligations under the Merger Agreement subject to certain materiality qualifications, and the accuracy of the representations and warranties made in the </font>
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          <font style="letter-spacing:0.2pt;">11</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">Merger Agreement subject to certain materiality qualifications. For more information, see the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Conditions to Completing the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What happens if the Mergers are not completed?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">If the Mergers are not completed, Brookline stockholders will not receive any consideration for their shares of Brookline common stock in connection with the Mergers. Instead Brookline will remain an independent public company and Brookline common stock will continue to be listed and traded on Nasdaq. In addition, if the Merger Agreement is terminated in certain circumstances, a termination fee of $45.0&#160;million will be payable by either Berkshire or Brookline, as applicable. See the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Termination Fee</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] for a more detailed discussion of the circumstances under which a termination fee will be required to be paid. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What happens if I sell my shares after the applicable record date but before the Berkshire Annual Meeting or Brookline Special Meeting, as applicable?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Each of the Berkshire record date and Brookline record date is earlier than the date of the Berkshire Annual Meeting and the Brookline Special Meeting, as applicable, and earlier than the date that the Mergers are expected to be completed. If you sell or otherwise transfer your shares of Berkshire common stock or Brookline common stock, as applicable, after the applicable record date but before the date of the applicable special meeting, you will retain your right to vote at such special meeting (provided that such shares remain outstanding on the date of such special meeting), but, with respect to Brookline common stock, you will not have the right to receive the Merger Consideration to be received by Brookline stockholders in connection with the Mergers. In order to receive the Merger Consideration, you must hold your shares of Brookline common stock through the completion of the Mergers. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">If the Mergers are completed, when can Brookline stockholders expect to receive the Merger Consideration? </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">Promptly following the completion of the Mergers, the exchange agent will send each former Brookline stockholder of record instructions detailing how such stockholders can exchange their shares of Brookline common stock for the Merger Consideration. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">What should I do if I receive more than one set of voting materials for the same special meeting?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">If you are a beneficial owner and hold shares of Berkshire common stock or Brookline common stock in &#8220;street name&#8221; and also are a record holder and hold shares directly in your name or otherwise or if you hold shares of Berkshire common stock or Brookline common stock in more than one brokerage account, you may receive more than one set of voting materials relating to the same special meeting. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Record Holders</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;For shares held directly, please complete, sign, date and return each proxy card (or cast your vote by telephone or the Internet as provided on each proxy card) or otherwise follow the voting instructions provided in this Joint Proxy Statement/Prospectus in order to ensure that all of your shares of Berkshire common stock or Brookline common stock are voted. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">Beneficial Owners</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;For shares held in &#8220;street name&#8221; through a bank, broker, trustee or other nominee, you should follow the procedures provided by your bank, broker, trustee or other nominee in order to vote your shares. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Whom should I call if I have questions?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">If you are a Berkshire stockholder and have any questions concerning the Mergers or Joint Proxy Statement/Prospectus, would like additional copies of the Joint Proxy Statement/Prospectus or need help voting your shares of Berkshire common stock, please contact Berkshire&#8217;s proxy solicitor, Innisfree M&amp;A Incorporated, by calling toll-free at&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, or via e-mail to&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. </font>
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          <font style="letter-spacing:0.2pt;">If you are a Brookline stockholder and have any questions concerning the Mergers or Joint Proxy Statement/Prospectus, would like additional copies of the Joint Proxy Statement/Prospectus or need help voting your shares of Brookline common stock, please contact Brookline&#8217;s proxy solicitor, Alliance Advisors, LLC, by calling toll-free at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, or via e-mail to &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. </font>
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          <font style="letter-spacing:0.2pt;">12</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <font style="letter-spacing:-0.2pt;">Where can I find more information about Berkshire and Brookline?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">You can find more information about Berkshire and Brookline from the various sources described under the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Where You Can Find More Information</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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          <font style="letter-spacing:-0.2pt;">Q</font><font style="font-weight:normal;letter-spacing:0.2pt;">:</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:-0.2pt;">What is householding and how does it affect me?</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A:</font>
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          <font style="letter-spacing:0.2pt;">The SEC permits companies to send a single set of proxy materials to any household at which two or more stockholders reside, unless contrary instructions have been received, but only if the applicable stockholders provide advance notice and follow certain procedures. In such cases, each stockholder continues to receive a separate notice of the meeting and proxy card. Certain brokerage firms may have instituted householding for beneficial owners of Berkshire common stock and Brookline common stock, as applicable, held through brokerage firms. If your household has multiple accounts holding Berkshire common stock or Brookline common stock, as applicable, you may have already received a householding notification from your broker. Please contact your broker directly if you have any questions or require additional copies of this Joint Proxy Statement/Prospectus. The broker will arrange for delivery of a separate copy of this Joint Proxy Statement/Prospectus promptly upon your written or oral request. You may decide at any time to revoke your decision to household, and thereby receive multiple copies.</font>
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          <font style="letter-spacing:0.2pt;">13</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tSUM">&#8203;</a>
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            <font style="letter-spacing:-0.2pt;">SUMMARY</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">This summary highlights selected information in this document and may not contain all of the information important to you. To understand the Mergers more fully, you should read this entire document carefully, including the annexes and the documents attached to or incorporated by reference into this document</font><font style="font-style:normal;letter-spacing:0.2pt;">. </font>
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            <font style="letter-spacing:-0.2pt;">Information About The Companies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Berkshire Hills Bancorp, Inc.</font> <br ><font style="letter-spacing:0.2pt;">60 State Street</font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109</font> <br ><font style="letter-spacing:0.2pt;">(800) 773-5601 ext. 133773 </font></div>
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            <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc. (NYSE: BHLB) is the parent company of Berkshire Bank, a Massachusetts trust company with branches in New England and New York. With $12.3&#160;billion in assets and 83 branches, Berkshire is headquartered in Boston and provides a full suite of tailored banking solutions through its Commercial Banking, Retail Banking, Consumer Lending, Private Banking and Wealth Management divisions. Berkshire is regulated as a financial holding company under the supervision of the Board of Governors of the Federal Reserve System (the &#8220;Federal Reserve&#8221;). Berkshire Bank is regulated under the supervision of the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;) and the Massachusetts Division of Banks (the &#8220;MDOB&#8221;). Berkshire Bank owns Firestone Financial, LLC, which is a Massachusetts limited liability company that services a run-off portfolio of equipment loans, as well as consolidated subsidiaries operated as Massachusetts securities corporations and other subsidiary entities. Berkshire also owns all of the common stock of two Delaware statutory business trusts, Berkshire Hills Capital Trust I and SI Capital Trust II. The capital trusts are unconsolidated and their only material assets are trust preferred securities related to Berkshire&#8217;s junior subordinated debentures. </font>
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            <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Brookline Bancorp, Inc.</font> <br ><font style="letter-spacing:0.2pt;">131 Clarendon Street</font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02116</font> <br ><font style="letter-spacing:0.2pt;">(617) 425-4600 </font></div>
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            <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc. (Nasdaq: BRKL) is a multi-bank holding company for Brookline Bank, Bank Rhode Island, PCSB Bank, and their respective subsidiaries. As a commercially-focused financial institution, Brookline, through its banks, offers a wide range of commercial, business and retail banking services, including a full complement of cash management products, on-line banking services, consumer and residential loans and investment services designed to meet the financial needs of small- to mid-sized businesses and retail customers. Brookline also provides equipment financing through its Eastern Funding subsidiary. At December&#160;31, 2024, Brookline had total assets of $11.9&#160;billion, total loans of $9.8&#160;billion, total deposits of $8.9&#160;billion and total stockholders&#8217; equity of $1.2&#160;billion. </font>
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            <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Commerce Acquisition Sub, Inc.</font> <br ><font style="letter-spacing:0.2pt;">60 State Street</font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109</font> <br ><font style="letter-spacing:0.2pt;">(800) 773-5601 ext. 133773 </font></div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Commerce Acquisition Sub, Inc., a direct, wholly owned subsidiary of Berkshire, is a Delaware corporation that was incorporated for the sole purpose of effecting the Merger. In the Merger, Merger Sub will merge with and into Brookline, with Brookline surviving as a direct, wholly owned subsidiary of Berkshire and the separate corporate existence of Merger Sub will cease. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">The Berkshire Annual Meeting (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The Berkshire Annual Meeting is scheduled to take place at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025. The Berkshire Annual Meeting will be held exclusively via a live webcast at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. </font>
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            <font style="letter-spacing:0.2pt;">At the Berkshire Annual Meeting, Berkshire stockholders will be asked to vote on the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire </font>
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            <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">14</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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            <font style="letter-spacing:0.2pt;">Auditor Ratification Proposal, and may be asked to vote on the Berkshire Adjournment Proposal if there are not sufficient votes at the Berkshire Annual Meeting to approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, or the Berkshire Equity Plan&#160;Proposal. </font>
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            <font style="letter-spacing:0.2pt;">Only Berkshire stockholders of record as of the close of business on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 are entitled to notice of, and to vote at, the Berkshire Annual Meeting and any adjournments or postponements thereof. </font>
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            <font style="letter-spacing:0.2pt;">Approval of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire Auditor Ratification Proposal, and the Berkshire Adjournment Proposal requires the affirmative vote of a majority of votes cast at the Berkshire Annual Meeting. Directors will be elected by a plurality of the votes cast at the Berkshire Annual Meeting. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">If you fail to submit a proxy or vote in person at the Berkshire Annual Meeting, mark &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">ABSTAIN</font><font style="letter-spacing:0.2pt;">&#8221; on your proxy or fail to instruct your bank, broker or other nominee with respect to Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire Auditor Ratification Proposal, or the Berkshire Adjournment Proposal, it will have no effect on such proposal. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">The Brookline Special Meeting (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The Brookline Special Meeting, to be held by means of remote communication, is scheduled to take place at on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time. The Brookline Special Meeting will be conducted solely by means of remote communication, i.e. virtually, at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">At the Brookline Special Meeting, Brookline stockholders will be asked to vote on the Brookline Merger Proposal, the Brookline Merger-Related Compensation Proposal, and may be asked to vote on the Brookline Adjournment Proposal if there are not sufficient votes at the Brookline Special Meeting to approve the Brookline Merger Proposal. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Only Brookline stockholders of record as of the close of business on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the record date of the Brookline Special Meeting, are entitled to vote at the Brookline Special Meeting and any adjournments or postponements thereof. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Approval of the Brookline Merger Proposal requires the affirmative vote of a majority of the outstanding shares of Brookline capital stock entitled to vote on the proposal. Approval of the Brookline Merger-Related Compensation Proposal and the Brookline Adjournment Proposal requires the affirmative vote of a majority of the votes cast at the Brookline Special Meeting. As of &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, the record date for the Brookline Special Meeting, there were &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;shares of Brookline common stock outstanding and entitled to vote. The directors and executive officers of Brookline, as a group, beneficially owned &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;shares of Brookline common stock, not including shares that may be acquired upon the exercise of stock options, representing approximately&#8199;&#8199;&#8199;&#8199;% of the outstanding shares of Brookline common stock as of the record date. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">The Mergers and the Merger Agreement (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The merger of Merger Sub with and into Brookline, immediately followed by the merger of Brookline with and into Berkshire, is governed by the Merger Agreement. The Merger Agreement provides that if all of the conditions are satisfied or waived, Merger Sub will merge with and into Brookline, immediately followed by the merger of Brookline with and into Berkshire, with Berkshire as the surviving corporation. </font><font style="font-weight:bold;letter-spacing:-0.2pt;">We encourage you to read the Merger Agreement in its entirety, which is included as </font><font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Annex A</font><font style="font-weight:bold;letter-spacing:-0.2pt;"> to this document.</font><font style="letter-spacing:0.2pt;"> </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Merger Consideration (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">If the Mergers are completed, Brookline stockholders will receive 0.42 shares of Berkshire common stock for each share of Brookline common stock held immediately prior to the Mergers. Berkshire will not issue any fractional shares of Berkshire common stock in the Mergers. Berkshire will pay to each former Brookline common stockholder who holds fractional shares an amount in cash determined by multiplying the average of the closing sale prices of Berkshire common stock for the ten consecutive full trading days </font>
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            <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">15</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.2pt;">ending on the day preceding the closing date of the Mergers by the fraction of a share of Berkshire common stock that such stockholder would otherwise be entitled to receive (rounded to the nearest cent). </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Based on Berkshire&#8217;s closing price of $30.20 on December&#160;13, 2024, which was the last trading date preceding the public announcement of the proposed Mergers, each share of Brookline common stock exchanged for 0.42 shares of Berkshire common stock would have a value of $12.68, or approximately $1.1&#160;billion in aggregate Merger Consideration. Based on Berkshire&#8217;s closing price of $&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the most recent practicable trading day prior to the printing of this document, each share of Brookline common stock exchanged for 0.42 shares of Berkshire common stock would have a value of $&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;. The common stock of Berkshire trades on the NYSE under the symbol &#8220;BHLB.&#8221; The common stock of Brookline trades on the Nasdaq Global Select Market under the symbol &#8220;BRKL.&#8221; </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The market price of both Berkshire common stock and Brookline common stock will fluctuate before the completion of the Mergers; therefore, you are urged to obtain current market quotations for Berkshire common stock and Brookline common stock. </font>
          </div>
          <div style="margin-top:11.81pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Market Price and Share Information (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The following table shows the closing price per share of Berkshire common stock, the closing price per share of Brookline common stock and the equivalent price per share of Brookline common stock, giving effect to the Mergers, on December&#160;13, 2024, which is the last day on which shares of each of Berkshire common stock and Brookline common stock traded preceding the public announcement of the proposed Mergers, and on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, the most recent practicable date before the mailing of this document. The implied value of one share of Brookline common stock is computed by multiplying the price of a share of Berkshire common stock by the 0.42 exchange ratio. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Consideration to be Received in the Mergers</font><font style="letter-spacing:0.2pt;">.&#8221; </font>
          </div>
          <table style="width:456pt;height:56.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
              <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:245.88pt;text-align:left;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.16pt;">Berkshire </font>
                  <br >
                  <font style="letter-spacing:-0.16pt;">Common Stock </font>
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              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.16pt;">Brookline </font>
                  <br >
                  <font style="letter-spacing:-0.16pt;">Common Stock </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
              <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
                <div style="text-align:center;">
                  <font style="letter-spacing:-0.16pt;">Implied Value of One </font>
                  <br >
                  <font style="letter-spacing:-0.16pt;">Share of Brookline </font>
                  <br >
                  <font style="letter-spacing:-0.16pt;">Common Stock </font>
                </div>
              </td>
              <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            </tr>
            <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
              <td style="padding:3.25pt 0pt 1.5pt 0pt; width:245.88pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:0.2pt;">December&#160;13, 2024 </font>
                </div>
              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
              <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">30.20 </td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
              <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.56</td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
              <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.68</td>
              <td style="padding:0pt;padding-left:21.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
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              <td style="padding:3.5pt 0pt 1.5pt 0pt; width:245.88pt;text-align:left;">
                <div style="white-space:nowrap;">
                  <font style="letter-spacing:0.2pt;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025 </font>
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              </td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;"> </td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;"> </td>
              <td style="padding:0pt;padding-left:11.89pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt; width:6pt;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.71pt;width:0pt;">&#8203;</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
              <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
              <td style="padding:0pt;padding-left:21.71pt;width:0pt;">&#8203;</td>
              <td style="padding:0pt; width:0pt;">&#8203;</td>
            </tr>
          </table>
          <div style="margin-top:9.81pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Treatment of Berkshire Equity Awards (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The Merger Agreement provides that, at the effective time of the Merger, except as otherwise agreed between Berkshire and Brookline, all outstanding time or performance-based restricted stock awards in respect of a share of Berkshire common stock under the Berkshire Stock Plans, will accelerate in full and fully vest. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Mergers. All outstanding and unexercised stock options in respect of a share of Berkshire common stock under the Berkshire Stock Plans shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest, and shall remain outstanding with the same exercise price to which they were subject prior to the effective time of the Mergers, and except as noted above, shall not otherwise be affected by the Mergers. </font>
          </div>
          <div style="margin-top:11.81pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Treatment of Brookline Equity Awards (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The Merger Agreement provides that, at the effective time of the Merger, except as otherwise agreed between Berkshire and Brookline, all outstanding time or performance-based restricted stock awards in respect of a share of Brookline common stock under the Brookline Stock Plan will accelerate in full and fully vest, and be converted into the right for the holder to receive shares of Berkshire common stock in accordance with the exchange ratio. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Merger. </font>
          </div>
          <div style="margin-top:11.71pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Berkshire&#8217;s Reasons for the Merger, Recommendation of Berkshire&#8217;s Board of Directors (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">The Berkshire board of directors has unanimously (i)&#160;determined that the issuance of Berkshire common stock is in the best interests of Berkshire and its stockholders, (ii)&#160;approved the Merger Agreement and the </font>
          </div>
        </div>
        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">&#160;</font>
            <br >
          </div>
        </div>
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      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">16</font>
          <br >
        </div>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-left:12pt;width:456pt;">
          <div style="width:456pt; line-height:11.5pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">consummation of the transactions contemplated thereby, including the issuance of Berkshire common stock, the amendment to the Berkshire Certificate of Incorporation and the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan. The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; the Berkshire Share Issuance Proposal, &#8220;FOR&#8221; the Berkshire Certificate of Incorporation Amendment Proposal, &#8220;FOR&#8221; the Berkshire Equity Plan&#160;Proposal, and &#8220;FOR&#8221; the Berkshire Adjournment Proposal, if necessary</font><font style="font-weight:normal;letter-spacing:0.2pt;">. In reaching this decision, Berkshire&#8217;s board of directors considered a variety of factors, which are described in the section entitled &#8220;</font><font style="font-style:italic;font-weight:normal;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Berkshire&#8217;s Reasons for the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;">&#8221;; &#8220;&#8212; </font><font style="font-style:italic;font-weight:normal;letter-spacing:0.2pt;">Recommendation of Berkshire&#8217;s Board of Directors</font><font style="font-weight:normal;letter-spacing:0.2pt;">.&#8221; Completion of the Mergers are conditioned upon approval by Berkshire stockholders of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal. Completion of the Mergers are not conditioned upon approval of the Berkshire Adjournment Proposal or the other matters to be voted upon at the Berkshire Annual Meeting. </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">In addition, the Berkshire board recommends that Berkshire stockholders vote &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Director Election Proposal, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Say-on-Pay Proposal, and &#8220;</font><font style="font-weight:bold;letter-spacing:-0.2pt;">FOR</font><font style="letter-spacing:0.2pt;">&#8221; the Berkshire Auditor Ratification Proposal. </font>
          </div>
          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Brookline&#8217;s Reasons for the Merger, Recommendation of Brookline&#8217;s Board of Directors (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">The Brookline board of directors has unanimously (i)&#160;determined that the Merger Agreement and the Mergers contemplated thereby are in the best interest of Brookline and its stockholders, and (ii)&#160;approved and declared advisable the Merger Agreement, the Mergers, and the other actions contemplated by the Merger Agreement. The Brookline board of directors unanimously recommends that the Brookline stockholders vote &#8220;FOR&#8221; the Brookline Merger Proposal, &#8220;FOR&#8221; the Brookline Merger-Related Compensation Proposal, and &#8220;FOR&#8221; the Brookline Adjournment Proposal, if necessary</font><font style="font-weight:normal;letter-spacing:0.2pt;">. In reaching this decision, Brookline&#8217;s board of directors considered a variety of factors, which are described in the section entitled &#8220;</font><font style="font-style:italic;font-weight:normal;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201; Brookline&#8217;s Reasons for the Mergers; Recommendation of the Brookline Board of Directors</font><font style="font-weight:normal;letter-spacing:0.2pt;">.&#8221; Completion of the Mergers is conditioned upon approval by Brookline stockholders of the Brookline Merger Proposal. Completion of the Mergers is not conditioned upon approval of the Brookline Merger-Related Compensation Proposal or the Brookline Adjournment Proposal. </font>
          </div>
          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Opinion of Berkshire&#8217;s Financial Advisor (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">At the December&#160;15, 2024, meeting of the Berkshire board of directors, representatives of Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;), rendered Raymond James&#8217;s opinion, subsequently confirmed in writing and dated December&#160;16, 2024, to the Berkshire board of directors (in its capacity as such), as to the fairness, as of such date, from a financial point of view, of the exchange ratio in the Mergers pursuant to the Merger Agreement to Berkshire, based upon and subject to the assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of the review undertaken by Raymond James in connection with the preparation of its opinion. </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">The full text of the written opinion of Raymond James, dated December&#160;16, 2024, which sets forth, among other things, the various assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of the review undertaken by Raymond James, is attached as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex B</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/Prospectus. Raymond James provided its opinion for the information and assistance of the Berkshire board of directors (in its capacity as such) in connection with, and for purposes of, its consideration of the Mergers and its opinion only addresses whether the exchange ratio in the Merger Agreement was fair, from a financial point of view, to Berkshire as of the date of the Raymond James opinion. The opinion of Raymond James did not address any other term or aspect of the Merger Agreement or the transactions contemplated thereby, the underlying business decision of Berkshire to engage in the Mergers, the form or structure of the Mergers, the relative merits of the Mergers as compared to any other alternative business strategies that might exist for Berkshire, or any other transaction in which Berkshire might engage. </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-style:italic;">
            <font style="letter-spacing:0.2pt;">The summary of the opinion is qualified in its entirety by reference to the full text of the opinion. Berkshire stockholders are urged to read the entire opinion carefully in connection with their consideration of the Merger Agreement and the Mergers. Neither the Raymond James opinion nor the summary of its opinion and the related analyses set forth in this Joint Proxy Statement/Prospectus is intended to be or constitute advice or a </font>
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        <div style="margin-top:2pt;margin-left:12pt;width:456pt;">
          <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">&#160;</font>
            <br >
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      <div style="margin-top:2.1316282072803E-14pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">17</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="border:1pt #000 solid;margin-top:3.85pt;min-height:694pt;margin-left:57.66pt;width:480pt;">
        <div style="margin-top:17.5pt;margin-left:12pt;width:456pt;">
          <div style="width:456pt; line-height:12pt;font-style:italic;">
            <font style="letter-spacing:0.2pt;">recommendation to the Berkshire board of directors or any holder of Berkshire common stock as to how the Berkshire board of directors, such stockholder or any other person should vote or otherwise act with respect to the Mergers or any other matter. The opinion of Raymond James speaks only as of the date of the opinion and does not reflect any developments that may occur or may have occurred after the date of its opinion and prior to the completion of the Mergers.</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Opinion of Brookline&#8217;s Financial Advisor (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
          </div>
          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">At the December&#160;15, 2024, meeting of the Brookline board of directors, representatives of Hovde Group, LLC (&#8220;Hovde&#8221;) rendered Hovde&#8217;s opinion, subsequently confirmed in writing dated December&#160;15, 2024, to the Brookline board of directors (in its capacity as such), as to the fairness, as of such date, from a financial point of view, to the holders of Brookline&#8217;s outstanding common stock of the exchange ratio in the Mergers pursuant to the Merger Agreement, based upon and subject to the assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of the review undertaken by Hovde in connection with the preparation of its opinion. </font>
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            <font style="letter-spacing:0.2pt;">The full text of the written opinion of Hovde, dated December&#160;15, 2024, which sets forth, among other things, the various assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of the review undertaken by Hovde, is attached as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/Prospectus and is incorporated herein by reference. Hovde&#8217;s opinion speaks only as of the date of the opinion. The opinion is directed to the Brookline board of directors and addresses only the fairness, from a financial point of view, of the exchange ratio offered to the holders of Brookline common stock. It does not address the underlying business decision to proceed with the Mergers and does not constitute a recommendation to any Brookline stockholder as to how the stockholder should vote at the Brookline Special Meeting on the Mergers or any related matter. The description of the opinion is qualified in its entirety by reference to the full text of the opinion. Brookline stockholders are urged to read the entire opinion carefully in connection with their consideration of the Mergers. Neither the Hovde opinion nor the summary of its opinion and the related analyses set forth in this Joint Proxy Statement/Prospectus is intended to be or constitute advice or a recommendation to the Brookline board of directors or any holder of Brookline common stock as to how the Brookline board of directors, such stockholder or any other person should vote or otherwise act with respect to the Merger or any other matter. </font>
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            <font style="letter-spacing:-0.2pt;">Corporate Governance and Operations of the Surviving Corporation and the Surviving Bank After the Mergers (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The Merger Agreement provides corporate governance procedures, including those set forth below. The form of amendments to the Berkshire Amended and Restated Bylaws is included in this document as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex&#160;E</font><font style="letter-spacing:0.2pt;">. </font>
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            <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Board of Directors</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;The board of directors of the surviving corporation will be comprised of 16 directors, with eight directors designated by each of Berkshire (which will include David M. Brunelle) and Brookline (which will include Paul A. Perrault). </font>
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            <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Executive Management</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Effective as of the closing of the Mergers and the Bank Merger and pursuant to the agreed-upon amendments to the current Berkshire Amended and Restated Bylaws, (i)&#160;Mr. Brunelle will serve as the Chairman of the board of directors of surviving corporation and of the board of directors of the surviving bank for a term of two&#160;years (assuming Mr.&#160;Brunelle is elected for a second term), and (ii)&#160;Mr. Perrault will serve as the President and Chief Executive Officer of the surviving corporation and a member of the board of directors of surviving corporation and of the board of directors of the surviving bank for a term of two&#160;years (assuming Mr.&#160;Perrault is elected for a second term). The senior executive officers of the surviving corporation and surviving bank, in addition to Mr.&#160;Perrault, will consist of (in alphabetical order) (i)&#160;Carl M. Carlson, the current Co-President and Chief Financial and Strategy Officer of Brookline, will serve as Chief Financial and Strategy Officer; (ii)&#160;Jacqueline Courtwright, the current Chief Human Resources &amp; Culture Officer of Berkshire, will serve as Chief Human Resources Officer; (iii)&#160;Sean Gray, the current Chief Operating Officer of Berkshire and President of Berkshire Bank, will serve as Chief Operations Officer; (iv)&#160;Michael McCurdy, the current Co-President and Chief Operating Officer of Brookline, will serve as Chief Banking Officer; (v)&#160;Mark Meiklejohn, the current Chief Credit Officer of </font>
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          <font style="letter-spacing:0.2pt;">18</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.2pt;">Brookline, will serve as Chief Credit Officer; and (vi)&#160;Wm. Gordon Prescott, the current General Counsel &amp; Corporate Secretary of Berkshire, will serve as General Counsel and Corporate Secretary. </font>
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            <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Corporate Name and Headquarters</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Effective as of the closing of the Mergers and the Bank Merger, the headquarters and main office of the surviving corporation and the surviving bank will be located at 131 Clarendon Street, Boston, Massachusetts 02116. The parties shall mutually agree on determining the names of the surviving corporation and surviving bank. </font>
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            <font style="letter-spacing:0.2pt;">For a more complete description of certain governance provisions, see &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201; Corporate Governance and Operations of the Surviving Corporation and the Surviving Bank After the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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            <font style="letter-spacing:-0.2pt;">Interests of Berkshire&#8217;s Directors and Executive Officers in the Mergers (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">In considering the recommendation of Berkshire&#8217;s board of directors with respect to the Mergers, Berkshire stockholders should be aware that the directors and executive officers of Berkshire have interests in the Mergers that are different from, or in addition to, the interests of Berkshire stockholders generally. The board of directors of Berkshire was aware of these interests and considered them, among other matters, in approving the Merger Agreement and related transactions. These interests include, among others, the following: </font>
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            <font style="letter-spacing:0.2pt;">Each Berkshire restricted stock award outstanding immediately prior to the effective time of the Mergers will fully vest, with any performance-based vesting condition to be determined based upon the greater of: (i)&#160;the target level of performance; or (ii)&#160;actual annualized performance measured as of the most recently completed fiscal quarter; </font>
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            <font style="letter-spacing:0.2pt;">Berkshire, Berkshire Bank and Brookline Bank entered into a new employment agreement with Sean Gray, who will serve as Chief Operations Officer of Berkshire and Brookline Bank, that will be effective at the closing of the Mergers. The new employment agreement will supersede Mr.&#160;Gray&#8217;s change in control agreement with Berkshire and provide for: (a)&#160;retention payments, and (b)&#160;a cash severance payment and reimbursement of certain insurance premiums if Mr.&#160;Gray&#8217;s employment is voluntarily terminated for good reason or involuntarily terminated without cause following the closing date of the Mergers; </font>
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            <font style="letter-spacing:0.2pt;">Interests in supplemental executive retirement agreements with each of Mr.&#160;Mhatre, President and Chief Executive Officer, and Mr.&#160;Gray, Senior Executive Vice President and Chief Operating Officer, which will be terminated as of the closing date of the Mergers, and Messrs. Mhatre and Gray will be paid the full normal retirement age benefit under the respective agreements no later than the first payroll cycle following the closing date of the Mergers; </font>
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            <font style="letter-spacing:0.2pt;">Berkshire Bank&#8217;s current enhanced change in control severance plan, which covers Mr.&#160;Brbovic, Mr.&#160;Brown and Mr.&#160;Lindenmuth and other officers of Berkshire Bank, provides for cash severance payments and continued life insurance and non-taxable medical and dental insurance if the executive&#8217;s employment is voluntarily terminated for good reason or involuntarily terminated without cause following a change in control; </font>
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            <font style="letter-spacing:0.2pt;">At the closing of the Mergers, certain of Berkshire&#8217;s directors and executive officers will continue to serve as directors or executive officers of the resulting company; and </font>
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            <font style="letter-spacing:0.2pt;">The rights of Berkshire executive officers and directors under the Merger Agreement to continued indemnification coverage and continued coverage under directors&#8217; and officers&#8217; liability insurance policies. </font>
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            <font style="font-style:normal;letter-spacing:0.2pt;">For a more complete description of these interests, see &#8220;</font><font style="letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Interests of Berkshire&#8217;s Directors and Executive Officers in the Mergers</font><font style="font-style:normal;letter-spacing:0.2pt;">.&#8221; </font>
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            <font style="letter-spacing:-0.2pt;">Interests of Brookline&#8217;s Directors and Executive Officers in the Mergers (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">In considering the recommendation of the board of directors of Brookline to approve the Merger Agreement, you should be aware that Brookline&#8217;s directors and executive officers have employment and other compensation agreements or plans that give them financial interests in the Mergers that are different </font>
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          <font style="letter-spacing:0.2pt;">19</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.2pt;">from, or in addition to, the interests of Brookline stockholders generally and that may create potential conflicts of interest. The board of directors of Brookline was aware of these interests and considered them, among other matters, in approving the Merger Agreement and related transactions. These interests include: </font>
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            <font style="letter-spacing:0.2pt;">Brookline has entered into retention bonus agreements with each of Carl M. Carlson and Michael W. McCurdy that will be effective at the closing of the Mergers and which will provide for transaction bonuses; </font>
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            <font style="letter-spacing:0.2pt;">Berkshire and Brookline Bank have entered into employment agreements with Mark J. Meiklejohn and William C. Tsonos that will be effective at the closing of the Mergers and which will supersede their current change in control agreements; </font>
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            <font style="letter-spacing:0.2pt;">Berkshire has agreed to assume Brookline&#8217;s current employment agreements with Paul A. Perrault, Carl M. Carlson and Michael W. McCurdy, that provide for, among other things, payments upon termination following a change in control; </font>
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            <font style="letter-spacing:0.2pt;">each outstanding and unvested Brookline restricted stock award under the Brookline Stock Plan that is subject to time-based vesting will become fully vested at closing of the Mergers; </font>
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            <font style="letter-spacing:0.2pt;">each outstanding and unvested Brookline restricted stock award under the Brookline Stock Plan with a performance-based vesting condition will be deemed achieved at the greater of the target level (as defined in the Brookline Stock Plan) of performance or actual annualized performance measured as of the most recent completed fiscal quarter; </font>
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            <font style="letter-spacing:0.2pt;">at closing of the Mergers, certain of Brookline&#8217;s directors and executive officers will serve as directors or executive officers, as applicable, of the resulting company; and </font>
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            <font style="letter-spacing:0.2pt;">Brookline&#8217;s directors and executive officers are entitled to continued indemnification and insurance coverage under the Merger Agreement. </font>
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            <font style="letter-spacing:0.2pt;">For a more complete description of these interests, see &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Interests of Brookline&#8217;s Directors and Executive Officers in the Mergers</font><font style="letter-spacing:0.2pt;">.&#8221; </font>
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            <font style="letter-spacing:-0.2pt;">Regulatory Approvals (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">Subject to the terms of the Merger Agreement, the parties have agreed to cooperate with each other and use their reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and governmental entities which are necessary or advisable to consummate the transactions contemplated by the Merger Agreement (including the Merger, the Holdco Merger, and the Bank Merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such governmental entities. The requisite regulatory approvals include, among others, for the Merger and the Holdco Merger, the approval, or a waiver of formal application and approval requirements, of the Board of Governors of the Federal Reserve System (the &#8220;Federal Reserve&#8221;) , and the approval of the New York State Department of Financial Services (the &#8220;NYSDFS&#8221;), and for the Bank Merger, the approval of the Federal Reserve, the Massachusetts Divisions of Banks (the &#8220;MDOB&#8221;), and the Rhode Island Department of Business Regulation&#160;Division of Banking (the &#8220;RIDOB&#8221;). Berkshire has filed the required application with the NYSDFS, and intends to submit an application waiver request to the Federal Reserve, relating to the Merger and the Holdco Merger, and Brookline Bank has filed the required applications with the Federal Reserve, the MDOB and the RIDOB relating to the Bank Merger. While the parties do not know of any reason why they would not obtain the requisite regulatory approvals in a timely manner, the parties cannot be certain when or if they will receive the regulatory approvals or requested waiver, or that the granting of these regulatory approvals will not involve the imposition of conditions on the completion of the Merger, the Holdco Merger or the Bank Merger. </font>
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            <font style="letter-spacing:-0.2pt;">Conditions to Completing the Mergers (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">The completion of the Mergers is subject to the fulfillment of a number of customary closing conditions, including: </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.2pt;">approval of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal by the Berkshire stockholders; </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <font style="letter-spacing:0.2pt;">approval of the Brookline Merger Proposal by the Brookline stockholders; </font>
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            <font style="letter-spacing:0.2pt;">receipt of all required regulatory approvals, consents or waivers and the expiration of all statutory waiting periods; </font>
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            <font style="letter-spacing:0.2pt;">&#8226;</font>
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            <font style="letter-spacing:0.2pt;">the absence of any order, injunction, decree, statute, rule or regulation that prevents the consummation of the Mergers or the Bank Merger or that makes completion of the Mergers or the Bank Merger illegal; </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <font style="letter-spacing:0.2pt;">receipt of consent of all third parties whose consent is required to consummate the Mergers, except where failure to obtain such consent would not have a material adverse effect; </font>
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            <font style="letter-spacing:0.2pt;">effectiveness of the registration statement of which this document is a part; </font>
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            <font style="letter-spacing:0.2pt;">authorization for listing on the NYSE of the shares of Berkshire common stock to be issued in the Mergers; </font>
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            <font style="letter-spacing:0.2pt;">receipt by each of Berkshire and Brookline of an opinion from their respective legal counsel to the effect that the Mergers will be treated for federal income tax purposes as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Internal Revenue Code; </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <font style="letter-spacing:0.2pt;">subject to the materiality standards provided in the Merger Agreement, the continued accuracy of the representations and warranties of Berkshire and Brookline in the Merger Agreement; </font>
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            <font style="letter-spacing:0.2pt;">performance in all material respects by each of Berkshire and Brookline of its respective obligations under the Merger Agreement, unless waived by the other party; </font>
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            <font style="letter-spacing:0.2pt;">the absence of any material adverse effect with respect to Berkshire or Brookline since the date of the Merger Agreement; and </font>
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            <font style="letter-spacing:0.2pt;">none of the regulatory approvals containing any materially burdensome conditions. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Terminating the Merger Agreement (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The Merger Agreement may be terminated by mutual written consent of Berkshire and Brookline at any time prior to the completion of the Mergers. Additionally, subject to conditions and circumstances described in the Merger Agreement, either Berkshire or Brookline may terminate the Merger Agreement if, among other things, any of the following occur: </font>
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            <font style="letter-spacing:0.2pt;">by either Berkshire or Brookline if any governmental entity that must grant a regulatory approval has denied approval of the Mergers or the Bank Merger and such denial has become final and nonappealable or any governmental entity of competent jurisdiction has issued a final and nonappealable order, injunction, decree or other legal restraint or prohibition permanently enjoining or otherwise prohibiting or making illegal the consummation of the Mergers or the Bank Merger, unless the failure to obtain a regulatory approval is be due to the failure of the party seeking to terminate the Mergers to perform or observe the obligations, covenants and agreements of such party set forth in the Merger Agreement; </font>
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            <font style="letter-spacing:0.2pt;">by either Berkshire or Brookline if the Mergers are not completed by December&#160;16, 2025, unless the failure to close by December&#160;16, 2025 is due to the failure of the party seeking to terminate the Mergers to perform or observe the obligations, covenants and agreements of such party set forth in the Merger Agreement; </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <font style="letter-spacing:0.2pt;">by either Berkshire or Brookline (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained in the Merger Agreement) if there is a material failure to perform or comply with any of the covenants or agreements set forth in the Merger Agreement, which failure (i)&#160;would constitute a breach of a closing condition, or (ii)&#160;is not cured within 30&#160;days after written notice of such failure by the terminating party to the other party; or </font>
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          <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <font style="letter-spacing:0.2pt;">by either party if, prior to the other party having obtained its stockholders&#8217; approval, the other party (i)&#160;withholds, withdraws, modifies or qualifies its recommendation in favor of the Brookline </font>
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          <font style="letter-spacing:0.2pt;">21</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.2pt;">Merger Proposal (in the case of Brookline) or the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal (in the case of Berkshire), or (ii)&#160;breaches its obligations with respect to refraining from or taking certain actions in connection with acquisition proposals or obtaining stockholder approval. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Termination Fee (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">In addition, if the Merger Agreement is terminated in certain circumstances, a termination fee of $45&#160;million will be payable by either Brookline or Berkshire, as applicable. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Termination Fee</font><font style="letter-spacing:0.2pt;">&#8221; on page [&#8199;&#8199;]for a description of the circumstances under which the termination fee is payable. The termination fee could discourage other companies from seeking to acquire either Brookline or Berkshire. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Accounting Treatment of the Mergers (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The Mergers will be accounted for as a reverse acquisition using the acquisition method of accounting, with Berkshire treated as the legal acquirer and Brookline treated as the accounting acquirer for financial reporting purposes. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Comparison of Rights of Stockholders (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">When the Mergers are completed, holders of Brookline common stock will receive shares of Berkshire common stock, with their rights governed by Delaware law and by Berkshire&#8217;s Certificate of Incorporation and Amended and Restated Bylaws, each as revised pursuant to the terms of the Merger Agreement and described herein. The rights of Brookline stockholders will change as a result of the Mergers due to differences in Berkshire&#8217;s and Brookline&#8217;s governing documents. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Comparison of Rights of Stockholders</font><font style="letter-spacing:0.2pt;">&#8221; for a summary of the material differences between the respective rights of Brookline stockholders and Berkshire stockholders. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Brookline Stockholders are NOT entitled to Dissenters&#8217; Rights (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Appraisal or dissenters&#8217; rights are statutory rights that, if applicable under law, enable stockholders to dissent from an extraordinary transaction, such as a merger, and to demand that the corporation pay the fair value for their shares as determined by a court in a judicial proceeding instead of receiving the consideration offered to stockholders in that extraordinary transaction. Under the DGCL, and pursuant to Brookline&#8217;s Certificate of Incorporation, holders of Brookline common stock are not entitled to appraisal rights in the Merger with respect to their shares of Brookline common stock because Brookline common stock is listed on a national securities exchange and Brookline&#8217;s Certificate of Incorporation does not provide for appraisal rights unless specifically granted by Brookline&#8217;s board of directors. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Berkshire Stockholders are NOT entitled to Dissenters&#8217; Rights (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
            <font style="letter-spacing:0.2pt;">Appraisal or dissenters&#8217; rights are statutory rights that, if applicable under law, enable stockholders to dissent from an extraordinary transaction, such as a merger, and to demand that the corporation pay the fair value for their shares as determined by a court in a judicial proceeding instead of receiving the consideration offered to stockholders in that extraordinary transaction. Under the DGCL, and pursuant to Berkshire&#8217;s Certificate of Incorporation, holders of Berkshire common stock are not entitled to appraisal rights in the Mergers with respect to their shares of Berkshire common stock because Berkshire common stock is listed on a national securities exchange and Berkshire&#8217;s Certificate of Incorporation does not provide for appraisal rights unless specifically granted by Berkshire&#8217;s board of directors. </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Material United States Federal Income Tax Consequences of the Mergers (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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            <font style="letter-spacing:0.2pt;">The Mergers are intended to qualify for United States federal income tax purposes as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Internal Revenue Code. Accordingly, United States Holders (defined in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Material United States Federal Income Tax Consequences of the Mergers</font><font style="letter-spacing:0.2pt;">&#8221;) generally will not recognize any gain or loss on the exchange of shares of Brookline common stock solely for shares of Berkshire common stock. However, a United States Holder </font>
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          <font style="letter-spacing:0.2pt;">22</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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            <font style="letter-spacing:0.2pt;">generally will be subject to United States federal income tax on cash received in lieu of any fractional share of Berkshire common stock that a holder would otherwise be entitled to receive. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">This tax treatment may not apply to all United States Holders. Determining the actual tax consequences of the Mergers to United States Holders can be complicated and will depend on your particular circumstances. United States Holders should consult their own tax advisor for a full understanding of the Mergers&#8217; tax consequences that are particular to each stockholder</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">To review the tax consequences of the Mergers to United States Holders in greater detail, please see the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Material United States Federal Income Tax Consequences of the Mergers</font><font style="letter-spacing:0.2pt;">.&#8221; </font>
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          <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
            <font style="letter-spacing:-0.2pt;">Risk Factors (page [&#8199;&#8199;])</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
            <font style="letter-spacing:0.2pt;">You should consider all the information contained in or incorporated by reference into this document in deciding how to vote for the proposals presented in the document. In particular, you should consider the factors described under &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">.&#8221;</font>
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            <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">23</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tRIFA">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">RISK FACTORS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In deciding how to vote, you should consider carefully all of the information included in this document and its Annexes and all of the information incorporated by reference and the risk factors identified by Berkshire and Brookline with respect to their operations included in their filings with the SEC, including Berkshire&#8217;s <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Annual Report on Form 10-K for the year ended December&#160;31, 2024</a>, as <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110465925025523/tm259423d1_10ka.htm">amended</a>, and Brookline&#8217;s <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Annual Report on Form 10-K for the year ended December&#160;31, 2024</a>, as <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1049782/000104978225000009/brkl-20241231.htm">amended</a>, and other documents incorporated by reference into this document, and see &#8220;Where You Can Find More Information.&#8221; In addition, you should consider the following risk factors</font><font style="font-style:normal;letter-spacing:0.2pt;">. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Risks Related to the Mergers and Berkshire&#8217;s Business Upon Completion of the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12.5pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Berkshire and Brookline will be subject to business uncertainties and contractual restrictions while the Mergers are pending.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Uncertainty about the effect of the Mergers on employees and customers may have an adverse effect on Berkshire and Brookline. These uncertainties may impair Berkshire&#8217;s or Brookline&#8217;s ability to attract, retain and motivate key personnel until the Mergers are completed, and could cause customers and others who deal with Berkshire or Brookline to seek to change existing business relationships with Berkshire or Brookline. In addition, the Merger Agreement requires that Berkshire and Brookline conduct their business in the ordinary course of business consistent with past practice and restricts Berkshire and Brookline from taking certain actions prior to the effective time or termination of the Merger Agreement without Berkshire&#8217;s or Brookline&#8217;s consent in writing. These restrictions may prevent Berkshire or Brookline from pursuing attractive business opportunities that may arise prior to the completion of the Mergers. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12.5pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The announcement of the proposed Mergers could disrupt Berkshire&#8217;s and Brookline&#8217;s relationships with their customers, suppliers, business partners and others, as well as their operating results and businesses generally.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Whether or not the Mergers are ultimately consummated, as a result of uncertainty related to the Mergers, risks relating to the impact of the announcement of the Mergers on Berkshire&#8217;s and Brookline&#8217;s businesses include the following: </font>
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          <font style="letter-spacing:0.2pt;">their employees may experience uncertainty about their future roles, which might adversely affect Berkshire&#8217;s and Brookline&#8217;s ability to retain and hire key personnel and other employees; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">customers, suppliers, business partners and other parties with which Berkshire and Brookline maintain business relationships may experience uncertainty about their respective futures and seek alternative relationships with third parties, seek to alter their business relationships with Berkshire and Brookline or fail to extend an existing relationship with Berkshire and Brookline; and </font>
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          <font style="letter-spacing:0.2pt;">Berkshire and Brookline have each expended and will continue to expend significant costs, fees and expenses for professional services and transaction costs in connection with the proposed Mergers. </font>
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          <font style="letter-spacing:0.2pt;">If any of the aforementioned risks were to materialize, they could lead to significant costs which may impact each party&#8217;s results of operations and financial condition. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12.5pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Merger Agreement limits Berkshire&#8217;s and Brookline&#8217;s abilities to pursue alternatives to the Mergers and may discourage other companies from trying to acquire Berkshire or Brookline.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The Merger Agreement contains &#8220;no shop&#8221; covenants that restrict each of Berkshire&#8217;s and Brookline&#8217;s ability to, directly or indirectly, among other things initiate, solicit, knowingly encourage or knowingly facilitate, inquiries or proposals with respect to, or, subject to certain exceptions generally related to the exercise of fiduciary duties by Berkshire&#8217;s and Brookline&#8217;s respective boards, engage in any negotiations concerning, or provide any confidential or non-public information or data relating to, any alternative acquisition proposals. These provisions, which include a $45.0&#160;million termination fee payable under certain circumstances, may discourage a potential third-party acquirer that might have an interest in acquiring all or a significant part of Berkshire or Brookline from considering or making that acquisition proposal. </font>
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          <font style="letter-spacing:0.2pt;">24</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">In connection with the Mergers, Berkshire will assume Brookline&#8217;s outstanding debt obligations, and the combined company&#8217;s level of indebtedness following the completion of the Mergers could adversely affect the combined company&#8217;s ability to raise additional capital and meet its obligations under existing indebtedness.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In connection with the Mergers, Berkshire has agreed to assume, or to cause its subsidiary to assume, Brookline&#8217;s outstanding indebtedness. Berkshire&#8217;s existing debt, together with any future incurrence of additional indebtedness, and the assumption of Brookline&#8217;s outstanding indebtedness, could have important consequences for the combined company&#8217;s creditors and the combined company&#8217;s stockholders. For example, it could: </font>
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          <font style="letter-spacing:0.2pt;">limit the combined company&#8217;s ability to obtain additional financing for working capital, capital expenditures, debt service requirements, acquisitions and general corporate or other purposes; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">restrict the combined company from making strategic acquisitions or cause the combined company to make non-strategic divestitures; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">restrict the combined company from paying dividends to its stockholders; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">increase the combined company&#8217;s vulnerability to general economic and industry conditions; and </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">require a substantial portion of cash flow from operations to be dedicated to the payment of principal and interest on the combined company&#8217;s indebtedness, thereby reducing the combined company&#8217;s ability to use cash flows to fund its operations, capital expenditures and future business opportunities. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The combined company will incur significant transaction and merger-related costs in connection with the Mergers.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire and Brookline will incur costs to combine the operations of the two companies. Berkshire and Brookline are collecting information to formulate detailed integration plans to deliver planned synergies. Additional unanticipated costs may be incurred in the integration of the businesses of Berkshire and Brookline. Whether or not the Mergers are consummated, Berkshire and Brookline will incur substantial expenses, such as legal, accounting, printing and financial advisory fees, in pursuing the Mergers. Although Berkshire and Brookline expect that the elimination of duplicative costs, as well as the realization of other efficiencies related to the integration of the businesses, may offset incremental transactions and merger-related costs over time, this net benefit may not be achieved in the near term, or at all. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">If the Mergers are not completed, both parties will have incurred substantial expenses without their respective stockholders realizing the expected benefits of the Mergers.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Both parties have incurred and will incur further substantial expenses in connection with the Mergers, which are charged to earnings as incurred. These costs include legal, financial advisory, accounting, consulting and other advisory fees, severance/employee benefit-related costs, public company filing fees and other regulatory fees, financial printing and other printing costs and other related costs. If the Mergers are not completed, these expenses will still be charged to earnings even though neither party would have realized the expected benefits of the Mergers. There can be no assurance that the Mergers will be completed. </font>
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          <font style="letter-spacing:-0.2pt;">Berkshire and Brookline may not be able to successfully integrate the two companies or to realize the anticipated benefits of the Mergers.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Mergers involve the combination of two companies that previously have operated independently. A successful combination of the operations of the two entities will depend substantially on both parties&#8217; ability to consolidate cultures, personnel, operations, systems and procedures and to eliminate redundancies and reduce costs of the combined operations. Berkshire may not be able to combine the operations of Brookline with Berkshire&#8217;s operations without encountering difficulties, such as: </font>
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          <font style="letter-spacing:0.2pt;">the loss of key employees and customers; </font>
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          <font style="letter-spacing:0.2pt;">the disruption of operations and business; </font>
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          <font style="letter-spacing:0.2pt;">the inability to maintain and increase competitive presence; </font>
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          <font style="letter-spacing:0.2pt;">25</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">those associated with entering a new geographic market; </font>
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          <font style="letter-spacing:0.2pt;">deposit attrition, customer loss and revenue loss; </font>
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          <font style="letter-spacing:0.2pt;">possible inconsistencies in standards, control procedures and policies; </font>
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          <font style="letter-spacing:0.2pt;">unexpected problems with costs, operations, personnel, technology and credit; and/or </font>
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          <font style="letter-spacing:0.2pt;">problems with the assimilation of new operations, sites or personnel, which could divert resources from regular banking operations. </font>
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          <font style="letter-spacing:0.2pt;">Additionally, general market and economic conditions or governmental actions affecting the financial industry generally may inhibit the successful integration of Brookline. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire entered into the Merger Agreement with the expectation that the Mergers will result in various benefits including, among other things, enhanced revenues, a strengthened market position for the combined company, cross selling opportunities, improved technology, cost savings and operating efficiencies. Achieving the anticipated benefits of the Mergers are subject to a number of uncertainties, including whether Berkshire and Brookline integrate in an efficient and effective manner, and general competitive factors in the marketplace. Failure to achieve these anticipated benefits could result in increased costs, decreases in the amount of expected revenues and diversion of management&#8217;s time and energy and could materially adversely impact Berkshire&#8217;s business, financial condition and operating results. Finally, any cost savings that are realized may be offset by losses in revenues or other charges to earnings. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Merger Agreement may be terminated in accordance with its terms, and the Mergers may not be completed. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement is subject to a number of conditions that must be fulfilled to complete the Mergers. Those conditions include, among others, certain regulatory and stockholder approvals, the absence of orders prohibiting the completion of the Mergers, the effectiveness of a registration statement to be filed by Berkshire, which will include a Joint Proxy Statement/Prospectus, the continued accuracy of the representations and warranties by both parties, the performance by both parties of their covenants and agreements, and the receipt by both parties of legal opinions from their respective tax counsels. Any of these conditions to closing of the Mergers may not be fulfilled, and as a result the Mergers may not be completed. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The need for regulatory approvals may delay the date of completion of the Mergers or may diminish the benefits of the Mergers.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire and Brookline are required to obtain the approvals of certain regulatory agencies before completing the Mergers. Satisfying any requirements of these regulatory agencies may delay the date of completion of the Mergers. The requisite regulatory approvals may not be received at all (in which case the Mergers could not be completed), may not be received in a timely fashion, or may contain conditions or restrictions on completion of the Mergers that cannot be satisfied. In addition, any conditions or restrictions imposed could have the effect of imposing additional costs on or limiting the revenues of the combined company following the Mergers, which might have an adverse effect on the combined company following the Mergers. Further, it is possible that, among other things, restrictions on the combined operations of the two companies, including divestitures, may be sought by governmental agencies as a condition to obtaining the required regulatory approvals. This may diminish the benefits of the Mergers to the combined company or otherwise have an adverse effect on the combined company following the Mergers. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Litigation against Berkshire or Brookline, or the members of Berkshire&#8217;s or Brookline&#8217;s board of directors, could prevent or delay the completion of the Mergers.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire stockholders or Brookline&#8217;s stockholders may file lawsuits against Brookline, Berkshire, and/or the boards of directors of either company in connection with the Mergers. Such legal proceedings could delay or prevent the Mergers from being completed in a timely manner. The existence of litigation related to the Mergers could affect the likelihood of obtaining the required regulatory and stockholders&#8217; approvals. Moreover, any litigation could be time-consuming and expensive and could divert Berkshire&#8217;s and Brookline&#8217;s management&#8217;s attention away from their regular business and their focus on a successful integration of the two companies. Any lawsuit adversely resolved against Brookline, Berkshire or members </font>
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          <font style="letter-spacing:0.2pt;">26</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">of their respective boards of directors could have a material adverse effect on each company&#8217;s business, financial condition and results of operations. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Moreover, one of the conditions to the completion of the Mergers is the absence of any restraining order, injunction or decree issued by a court of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the Mergers, and that no governmental authority or regulatory authority of competent jurisdiction shall have enacted, promulgated or enforced any statute, rule, regulation, judgment, decree, injunction or other order prohibiting consummation of the transactions contemplated by the Merger Agreement or making the Mergers illegal. Consequently, if a settlement or other resolution is not reached in any lawsuit that is filed or any regulatory proceeding and a claimant secures injunctive or other relief or a governmental authority issues an order or other directive restricting, prohibiting or making illegal the consummation of the transactions contemplated by the Merger Agreement (including the Mergers), then such injunctive or other relief may prevent the Mergers from becoming effective in a timely manner or at all. </font>
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          <font style="letter-spacing:-0.2pt;">The future results of the combined company following the Mergers may suffer if the combined company does not effectively manage its expanded operations.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Following the Mergers, the size of the business of the combined company will increase beyond the current size of either Berkshire&#8217;s or Brookline&#8217;s business. The combined company&#8217;s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. The combined company may also face increased scrutiny from governmental authorities as a result of the increased size of its business. There can be no assurances that the combined company will be successful or that it will realize the expected operating efficiencies, revenue enhancement or other benefits currently anticipated from the Mergers. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The market price of Berkshire common stock after the Mergers may be affected by factors different from those currently affecting Berkshire common stock.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The results of operations of the combined company and the market price of Berkshire&#8217;s common stock after the completion of the Mergers may be affected by factors different from those currently affecting the independent results of operations of each of Berkshire and Brookline. In addition, the issuance of shares of Berkshire&#8217;s common stock in the Mergers could depress the market price for Berkshire&#8217;s common stock. For example, some Brookline stockholders may decide not to hold the shares of Berkshire&#8217;s common stock they receive as a result of the Mergers. Other Brookline stockholders, such as funds with limitations on their permitted holdings of stock in individual issuers, may be required to sell the shares of Berkshire&#8217;s common stock they receive as a result of the Mergers. Any such sales of Berkshire&#8217;s common stock could depress the market price for Berkshire&#8217;s common stock. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Current holders of Berkshire common stock and Brookline common stock will have a significantly reduced ownership and voting interest in the combined company after the Mergers and will therefore have less voting influence over the combined company.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In the Mergers, each Brookline stockholder will become a holder of common stock of the combined company. Upon completion of the Mergers, Berkshire estimates that Brookline stockholders will collectively own approximately 45% and Berkshire stockholders as of immediately before the Mergers will own approximately 55% of the outstanding shares of common stock of the combined company. As a result, each of Berkshire&#8217;s and Brookline&#8217;s current stockholders will have less voting influence on the combined company and may have less influence on its management and policies than they now have. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The market price of Berkshire common stock may decline in the future as a result of the Mergers.</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The market price of Berkshire common stock may decline in the future as a result of the Mergers for a number of reasons, including: </font>
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          <font style="letter-spacing:0.2pt;">the unsuccessful integration of Brookline and Berkshire; and </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">27</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:388pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the failure of the combined company to achieve the perceived benefits of the Mergers, including financial results, as rapidly as or to the extent anticipated by financial or industry analysts. </font>
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          <font style="letter-spacing:0.2pt;">Many of these factors are beyond the control of Berkshire. As a consequence, current Berkshire stockholders and Brookline stockholders who will become holders of Berkshire common stock after completion of the Mergers could lose the value of their investment in Berkshire common stock. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Risks Related to Berkshire&#8217;s Business</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You should read and consider risk factors specific to Berkshire&#8217;s business that will also affect the combined company after the Mergers. These risks are described in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">&#8221; in Berkshire&#8217;s <a style="-sec-extract:exhibit" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2024</a>, as amended, and in other documents incorporated by reference into this Joint Proxy Statement/Prospectus. Please see the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Where You Can Find More Information</font><font style="letter-spacing:0.2pt;">&#8221; for the location of information incorporated by reference into this Joint Proxy Statement/Prospectus. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Risks Related to Brookline&#8217;s Business</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You should read and consider risk factors specific to Brookline&#8217;s business that will also affect the combined company after the Mergers. These risks are described in the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">&#8221; in Brookline&#8217;s Annual Report on Form 10-K for the fiscal year ended December&#160;31, 2024, as amended. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">28</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCSAF">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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          <font style="letter-spacing:-0.2pt;">CAUTIONARY STATEMENT ABOUT FORWARD-LOOKING STATEMENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This joint proxy statement/prospectus, including the information incorporated by reference, contains statements that may be considered forward-looking statements within the meaning of Section&#160;27A of the Securities Act, and Section&#160;21E of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). These statements, which are based on certain current assumptions, can generally be identified by the use of the words &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; &#8220;would,&#8221; &#8220;plan,&#8221; &#8220;potential,&#8221; &#8220;estimate,&#8221; &#8220;project,&#8221; &#8220;believe,&#8221; &#8220;intend,&#8221; &#8220;anticipate,&#8221; &#8220;expect,&#8221; &#8220;target&#8221; and similar expressions. Berkshire and Brookline intend these forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 and are including this statement for purposes of complying with these safe harbor provisions. You should read statements that contain these words carefully because they discuss the relevant company&#8217;s future expectations, contain projections of the relevant company&#8217;s future results of operations or financial condition, or state other &#8220;forward-looking&#8221; information. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the Merger Agreement among Berkshire, Merger Sub and Brookline; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">the outcome of any legal proceedings that may be instituted against Berkshire or Brookline; </font>
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          <font style="letter-spacing:0.2pt;">the possibility that the proposed transaction will not close when expected or at all because required regulatory, stockholder or other approvals are not received or other conditions to the closing are not satisfied on a timely basis or at all, or are obtained subject to conditions that are not anticipated (and the risk that required regulatory approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the proposed transaction); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the ability of Berkshire and Brookline to meet expectations regarding the timing, completion and accounting and tax treatments of the proposed transaction; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the risk that any announcements relating to the proposed transaction could have adverse effects on the market price of the common stock of either or both parties to the proposed transaction; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility that the anticipated benefits of the proposed transaction will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where Berkshire and Brookline do business; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">certain restrictions during the pendency of the proposed transaction that may impact the parties&#8217; ability to pursue certain business opportunities or strategic transactions; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">diversion of management&#8217;s attention from ongoing business operations and opportunities; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility that the parties may be unable to achieve expected synergies and operating efficiencies in the Merger within the expected timeframes or at all and to successfully integrate Brookline&#8217;s operations and those of Berkshire; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">such integration may be more difficult, time consuming or costly than expected; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the potential impact of general economic, political or market factors on the companies or the Merger and other factors that may affect future results of Berkshire or Brookline; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">volatility in the securities markets generally or in the market price of Berkshire shares specifically; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes in loan default and charge-off rates; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes in the financial performance and/or condition of borrowers; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes in customer borrowing and savings habits; and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">29</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:296pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">changes in regulations applicable to the financial services industry. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Because these forward-looking statements are subject to assumptions and uncertainties, Berkshire&#8217;s and Brookline&#8217;s actual results may differ materially from those expressed or implied by these forward-looking statements. These forward-looking statements are predicated on the beliefs and assumptions of the management of each of Berkshire and Brookline based on information known to them as of the date of this joint proxy statement/prospectus. Berkshire and Brookline stockholders are cautioned not to place undue reliance on these statements, which speak only as of the date of this joint proxy statement/prospectus. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For any forward-looking statements made in this joint proxy statement/prospectus or in any documents incorporated by reference into this joint proxy statement/prospectus, Berkshire and Brookline claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, Section&#160;27A of the Securities Act, and Section&#160;21E of the Exchange Act. You are cautioned not to place undue reliance on the forward-looking statements, which speak only as of the date of this joint proxy statement/prospectus or the dates of the documents incorporated by reference in this joint proxy statement/prospectus. Annualized, pro&#160;forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results. Except as required by applicable law, neither Brookline nor Berkshire undertakes to update these forward-looking statements to reflect facts, circumstances, assumptions or events that occur after the date the forward-looking statements are made. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For additional information about factors that could cause actual results to differ materially from those described in the forward-looking statements, please see the reports that Berkshire and Brookline have filed with the SEC as described under &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Where You Can Find More Information</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">All subsequent written and oral forward-looking statements concerning the Merger or other matters addressed in this joint proxy statement/prospectus and attributable to Berkshire or Brookline or any person acting on their behalf are expressly qualified in their entirety by the cautionary statements contained or referred to in this section</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">30</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPPD">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:60.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">PURCHASE PRICE DETERMINATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited pro&#160;forma combined condensed balance sheet has been adjusted to reflect the preliminary calculation of the estimated purchase price to net assets acquired. In accordance with FASB ASC 805-40-30-2, the acquisition-date fair value of the consideration transferred by the accounting acquirer for its interest in the accounting acquiree is based on the number of equity interests the legal subsidiary would have had to issue to give the owners of the legal parent the same percentage equity interest in the combined entity that results from the reverse acquisition. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The table below summarizes the pro&#160;forma ownership of Berkshire common stock following the Mergers, for each stockholder group, as well as the pro&#160;forma market capitalization of the surviving corporation using shares of Berkshire and Brookline common stock outstanding at December&#160;31, 2024 and Berkshire&#8217;s closing price on [&#8226;], 2025, the latest practicable trading day before the date of this Joint Proxy Statement/Prospectus. </font>
        </div>
        <table style="width:456pt;height:94.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:234.43pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire Hills Bancorp, Inc. Ownership</font>
                <br >
                <font style="letter-spacing:-0.16pt;">and Market Value Table (Pro Forma) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:234.43pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of Berkshire </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Outstanding shares </font>
                <br >
                <font style="letter-spacing:-0.16pt;">(in thousands) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Percentage </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ownership </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Market Value at $28.49 </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire Share Price</font>
                <br >
                <font style="letter-spacing:-0.16pt;">(in thousands) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:234.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Current Berkshire Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">46,424</td>
            <td style="padding:0pt;padding-left:21.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">55.13<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,322,620</td>
            <td style="padding:0pt;padding-left:16.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:234.43pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Current Brookline Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.215pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">37,791</td>
            <td style="padding:0pt;padding-left:21.215pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">44.87<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,076,667</td>
            <td style="padding:0pt;padding-left:16.72pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:234.43pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:21.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:21pt; text-align:right; white-space:nowrap;">84,215</td>
            <td style="padding:0pt;padding-left:21.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:21pt; text-align:right; white-space:nowrap;">100.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:16.72pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">2,399,287</td>
            <td style="padding:0pt;padding-left:16.72pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:13pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The table below summarizes the hypothetical number of shares as of December&#160;31, 2024 that Brookline would have to issue to give Berkshire owners the same&#160;percentage ownership in the surviving corporation. </font>
        </div>
        <table style="width:456pt;height:85.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:324.84pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Hypothetical Brookline Ownership </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:324.84pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Outstanding Shares </font>
                <br >
                <font style="letter-spacing:-0.16pt;">(in thousands) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Percentage </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ownership </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:324.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Current Berkshire Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.935pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">110,533</td>
            <td style="padding:0pt;padding-left:18.935pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">55.13<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:324.84pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Current Brookline Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.935pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:24.75pt; text-align:right; white-space:nowrap;">89,979</td>
            <td style="padding:0pt;padding-left:18.935pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">44.87<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:324.84pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.935pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:24.75pt; text-align:right; white-space:nowrap;">200,512</td>
            <td style="padding:0pt;padding-left:18.935pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:21pt; text-align:right; white-space:nowrap;">100.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:4.435pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:13pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The purchase price is calculated based on the number of hypothetical shares of Brookline common stock issued to Berkshire stockholders multiplied by the share price as demonstrated in the table below (amounts in thousands except per share data). </font>
        </div>
        <table style="width:456pt;height:94.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:398.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Number of hypothetical Brookline shares issued to Berkshire Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">110,533</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:398.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline market price per share as of February&#160;28, 2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">11.80</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:398.59pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Purchase price determination of hypothetical Brookline shares issued to Berkshire Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,304,294</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:398.59pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Value of Berkshire stock options hypothetically converted to options to acquire shares of Brookline common stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,236</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 3.25pt 0pt; width:398.59pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Purchase price consideration </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:30.75pt; text-align:right; white-space:nowrap;">1,305,530</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">31</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tUPFC">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:76pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">UNAUDITED PRO FORMA COMBINED CONDENSED CONSOLIDATED FINANCIAL DATA</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited pro&#160;forma combined condensed consolidated balance sheet combines the historical information of Berkshire and Brookline as of December&#160;31, 2024 and assumes that the Mergers were completed on that date. The unaudited pro&#160;forma combined condensed consolidated income statements combine the historical financial information of Berkshire and Brookline and give effect to the Mergers as if completed as of the beginning of the fiscal year ended December&#160;31, 2024. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited pro&#160;forma combined condensed consolidated financial information assumes that the Mergers are accounted for as a reverse acquisition using the acquisition method of accounting, pursuant to FASB Topic 805-10, Business Combinations, with Berkshire treated as the legal acquirer and Brookline treated as the accounting acquirer. In identifying Brookline as the acquiring entity for accounting purposes, Berkshire and Brookline took into account a number of factors as of the date of this Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:0.2pt;">Prospectus, including the relative voting rights of all equity instruments in the surviving corporation and the intended corporate governance structure of the surviving corporation. Following the Mergers, existing stockholders of Brookline will control approximately 45% of the pro&#160;forma voting interests in the surviving corporation (based on common shares outstanding as of December&#160;31, 2024). However, no single factor was the sole determinant in the overall conclusion that Brookline is the acquirer for accounting purposes; rather all factors were considered in arriving at such conclusion. See the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Accounting Treatment of the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. Under the acquisition method of accounting, the assets and liabilities of Berkshire, as the accounting acquiree, will be recorded at their respective fair values as of the date the Mergers are completed. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited pro&#160;forma combined condensed consolidated financial information is presented for illustrative purposes only and is not necessarily indicative of the results of operations or financial condition had the Mergers been completed on the dates described above, nor is it necessarily indicative of the results of operations in future periods or the future financial position of the combined entities. The financial information should be read in conjunction with the accompanying Notes to the Unaudited Pro Forma Combined Condensed Consolidated Financial Information. Certain reclassifications have been made to Berkshire&#8217;s historical financial information to conform to Brookline&#8217;s presentation of financial information. In addition, as explained in more detail in the accompanying notes, the preliminary allocation of the pro&#160;forma purchase price reflected in the unaudited pro&#160;forma combined condensed consolidated financial information is subject to adjustment after the Mergers are completed and may vary significantly from the actual purchase price allocation that will be recorded upon completion of the Mergers. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The pro&#160;forma financial information includes estimated adjustments, including adjustments to record assets and liabilities of Berkshire at their respective fair values and represents the pro&#160;forma estimates by Berkshire and Brookline based on available fair value information as of the date of the Merger Agreement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited pro&#160;forma combined condensed consolidated financial data, while helpful in illustrating the financial characteristics of the surviving corporation under one set of assumptions, does not reflect the benefits of expected cost savings or opportunities to earn additional revenue and, accordingly, does not attempt to predict or suggest future results. It also does not necessarily reflect what the historical results of the surviving corporation would have been had the companies been combined during these periods. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited pro&#160;forma combined condensed consolidated financial information has been derived from and should be read in conjunction with the historical consolidated financial statements and the related notes of Berkshire and Brookline, which are incorporated in this document by reference.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">32</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Pro Forma Balance Sheet&#8201;&#8212;&#8201;December&#160;31, 2024 Consolidated</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:623.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire Hills </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Adjustments </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire Hills </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:194pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">(Dollars in thousands, except per share amounts) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Assets</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Cash and due from banks </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">182,776</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">64,673</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(83,000<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(1)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">164,449</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Short-term investments </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">945,633</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">478,997</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,424,630</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total cash and cash equivalents </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,128,409</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">543,670</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(83,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,589,079</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Trading securities, at fair value </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">5,258</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">5,258</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Equity securities, at fair value </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">655</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">655</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Securities available for sale, at fair value </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">655,723</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">895,034</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">433,318<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(2)</font></font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,984,075 </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Securities held to maturity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">507,658</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(507,658<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(2)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 0.5pt 0pt; width:194pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Federal Home Loan Bank Stock and other restricted securities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">19,565</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">83,155</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">102,720</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total securities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,188,859</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">978,189</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(74,340<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2,092,708</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:1.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Less: Allowance for credit losses on securities </font>
                <br >
                <font style="letter-spacing:0.2pt;">held to maturity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(64<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(82<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">64<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(2)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.917pt 0pt 1.333pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(82<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net investment securities </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,188,795</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">978,107</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(74,276<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2,092,626</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Loans held for sale </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3,076</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3,076</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">9,384,994</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">9,779,288</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(336,868<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">18,827,414</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Allowance for loan and lease losses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(114,700<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(125,083<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(64<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(4)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(239,847<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net loans and leases </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">9,270,294</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">9,654,205</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(336,932<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">18,587,567</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Premises and equipment, net </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">56,609</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">86,781</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">143,390</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Goodwill </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">241,222</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">277,956<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(5)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">519,178</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Core deposit intangibles </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">14,120</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">16,372</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">210,042<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(6)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">240,534</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Other intangible assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">944</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,089</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">6,911<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(7)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">8,944</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:1.5pt 0pt 0.5pt 0pt; width:194pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Cash surrender value of bank-owned life insurance </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">245,789</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">84,447</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">330,236</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Other assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">358,442</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">299,433</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">62,220<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(8)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">720,095</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Assets held for sale </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">6,930</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">6,930</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Total Assets</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">12,273,408</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">11,905,326</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">62,921</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">24,241,655</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Liabilities</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Demand deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2,324,879</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,692,394</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,017,273</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">NOW and other deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">841,406</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">617,246</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,458,652</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Money market deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3,610,521</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2,116,360</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">5,726,881</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Savings deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,021,716</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,721,247</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2,742,963</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Time deposits </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">2,576,682</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">2,754,397</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(4,210<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(9)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">5,326,869</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total deposits </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">10,375,204</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">8,901,644</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(4,210<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">19,272,638</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Borrowed funds: </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Short-term debt </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">103,500</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">79,592</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">183,092</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:1.5pt 0pt 0.5pt 0pt; width:194pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Long-term Federal Home Loan Bank advances </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">212,982</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,355,926</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(446<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(10)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.5pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,568,462</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Subordinated notes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">121,612</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">84,328</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(12,632<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(11)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">193,308</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total borrowed funds </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">438,094</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,519,846</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(13,078<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,944,862</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Other liabilities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">292,686</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">261,897</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">554,583</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total liabilities </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">11,105,984</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">10,683,387</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(17,288<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">21,772,083</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">33</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:248.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:194pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire Hills </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Adjustments </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.667pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire Hills </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:194pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">(Dollars in thousands, except per share amounts) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Stockholders&#8217; Equity</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Common stock </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">562</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">970</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(184<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(12)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,348</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Additional paid-in capital </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,430,532</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">902,584</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(125,380<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(13)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2,207,736</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Unearned compensation </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(10,106<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">10,106<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(14)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Retained earnings </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(3,080<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">458,943</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(54,817<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(15)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">401,046</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:1.667pt 0pt 0.5pt 0pt; width:194pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Accumulated other comprehensive (loss) income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(106,343<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(52,882<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">106,343<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(14)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.667pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(52,882<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Treasury shares, at cost </font>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(144,141<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(87,676<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">144,141<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(14)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(87,676<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total stockholders&#8217; equity </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,167,424</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,221,939</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">80,209</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">2,469,572</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 2pt 0pt; width:194pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Total liabilities and stockholders&#8217; equity</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">12,273,408</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">11,905,326</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">62,921</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 2pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">24,241,655</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Per share information</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Tangible common equity </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,152,360 </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">963,256 </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(414,701<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,700,915</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Common shares outstanding </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">46,424,016</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">89,978,691</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(52,187,641<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(16)</font> </font></td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">84,215,066</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Book value per common share </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">25.15</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">13.58</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">29.32</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:194pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Tangible book value per common share </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">24.82 </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">10.71 </td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt; width:4pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.129999999999999pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt; width:9pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">20.20</td>
            <td style="padding:0pt;padding-left:1.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:13.69pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <table style="width:456pt;margin-bottom:5.5pt;margin-top:4.5pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(1) </font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to record combined merger </font>
                <br >
                <font style="letter-spacing:0.2pt;">related expenses. </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">
              <div style="text-align:center;">
                <font style="margin-left:35.42pt;letter-spacing:0.2pt;">&#8199;&#8199;</font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="margin-left:40.42pt;letter-spacing:0.2pt;">&#8199;&#8199; </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">(83,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="margin-left:31.04pt;letter-spacing:0.2pt;">&#8199;&#8199;</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;">
              <font style="letter-spacing:0.2pt;">(2)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to reclassify Berkshire </font>
                <br >
                <font style="letter-spacing:0.2pt;">held-to-maturity securities as available-</font>
                <br >
                <font style="letter-spacing:0.2pt;">for-sale, at fair value, and eliminate </font>
                <br >
                <font style="letter-spacing:0.2pt;">related allowance for credit losses</font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="6">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Historical cost of securities available </font>
                <br >
                <font style="letter-spacing:0.2pt;">for sale</font> </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">507,658 </td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to reflect fair value</font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">(74,340<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net adjustment </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">433,318 </td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(3)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adjustment to record loans at fair value </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
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          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Interest rate adjustment to record </font>
                <br >
                <font style="letter-spacing:0.2pt;">loans at fair value </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(286,191<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(261,124<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Gross credit mark on loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">(114,764<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Purchased credit discount (&#8220;PCD&#8221;) </font>
                <br >
                <font style="letter-spacing:0.2pt;">CECL reserve gross up amount </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">39,020</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Recognize deferred origination fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">20,898</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt; line-height:12.0000000000001pt; margin-bottom:-0.500000000000019pt;">
                <font style="letter-spacing:0.2pt;">Recognized fair value adjustment on </font>
                <br >
                <font style="letter-spacing:0.2pt;">loans acquired in prior </font>
                <br >
                <font style="letter-spacing:0.2pt;">acquisitions</font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">4,169</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total fair value adjustment on loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">(336,868<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(4)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Reversal of existing Berkshire&#8217;s </font>
                <br >
                <font style="letter-spacing:0.2pt;">allowance for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">114,700</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">PCD credit discount reserve </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(39,020<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to Berkshire allowance for </font>
                <br >
                <font style="letter-spacing:0.2pt;">credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">75,680</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.25pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Day 2 CECL adjustment </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.25pt 0pt;border-bottom:1px solid #000000; min-width:27pt; text-align:right; white-space:nowrap;">(75,744<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.48pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">34</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Net adjustment to allowance for credit </font>
                <br >
                <font style="letter-spacing:0.2pt;">losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">(64<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(5) </font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Excess of purchase price less Berkshire </font>
                <br >
                <font style="letter-spacing:0.2pt;">tangible equity, elimination of existing </font>
                <br >
                <font style="letter-spacing:0.2pt;">Berkshire Hills goodwill, net fair value </font>
                <br >
                <font style="letter-spacing:0.2pt;">adjustments and creation of core </font>
                <br >
                <font style="letter-spacing:0.2pt;">deposit intangible (&#8220;CDI&#8221;). </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Purchase price </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">1,305,530</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Stockholders&#8217; equity of Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(1,167,424<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Net fair value adjustments to </font>
                <br >
                <font style="letter-spacing:0.2pt;">Berkshire balance sheet</font> </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">75,101</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">After-tax Berkshire transaction </font>
                <br >
                <font style="letter-spacing:0.2pt;">expenses </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">64,750</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net adjustment to goodwill </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">277,956</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(6) </font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Adjustment to record CDI </font>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Estimated CDI </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">224,162</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Less: Berkshire Hills existing CDI </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(14,120<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net adjustment to CDI </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">210,042</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(7)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Intangible value of customer list </font>
                <br >
                <font style="letter-spacing:0.2pt;">(Berkshire wealth management) </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">8,000</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Write-off Bank Rhode Island trade </font>
                <br >
                <font style="letter-spacing:0.2pt;">name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(1,089<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net adjustment to other intangibles </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">6,911</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(8) </font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Net fair value adjustments to Berkshire </font>
                <br >
                <font style="letter-spacing:0.2pt;">balance sheet and Deferred Tax Asset </font>
                <br >
                <font style="letter-spacing:0.2pt;">(&#8220;DTA&#8221;) calculation. </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Securities fair value adjustment </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(74,276<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Loan fair value adjustment </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(336,868<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to Berkshire allowance for </font>
                <br >
                <font style="letter-spacing:0.2pt;">credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">75,680</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment for CDI </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">210,042</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Customer list intangible </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">8,000</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment for time deposits </font>
              </div>
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            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">4,210</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment for borrowings </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">446</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment for subordinated debt and </font>
                <br >
                <font style="letter-spacing:0.2pt;">trust preferred securities </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">12,632</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Pretax fair value adjustments </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(100,134<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Current/deferred taxes @ 25% </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">25,034</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;" />
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Berkshire taxable transaction </font>
                <br >
                <font style="letter-spacing:0.2pt;">expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(73,000<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Day 2 CECL adjustment </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:33pt; text-align:right; white-space:nowrap;">(75,744<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">(248,878<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Current/deferred taxes @ 25% </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:24.75pt; text-align:right; white-space:nowrap;">37,186</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to DTA </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">62,220</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(9)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to record time deposits at </font>
                <br >
                <font style="letter-spacing:0.2pt;">fair value. </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:33pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">(4,210<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">35</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:31.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(10)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to record borrowed funds at </font>
                <br >
                <font style="letter-spacing:0.2pt;">fair value. </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(446<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(11)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to record subordinated debt </font>
                <br >
                <font style="letter-spacing:0.2pt;">and trust preferred securities at fair </font>
                <br >
                <font style="letter-spacing:0.2pt;">value. </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(12,632<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(12)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Issuance of shares to Brookline at a 0.42 </font>
                <br >
                <font style="letter-spacing:0.2pt;">exchange ratio results in 84,215,066 </font>
                <br >
                <font style="letter-spacing:0.2pt;">pro&#160;forma shares issued and </font>
                <br >
                <font style="letter-spacing:0.2pt;">outstanding at December&#160;31, 2024. </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Eliminate historical Berkshire </font>
                <br >
                <font style="letter-spacing:0.2pt;">common stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(562<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Brookline common shares </font>
                <br >
                <font style="letter-spacing:0.2pt;">outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">89,978,691</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">0.42</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Shares issued to Brookline </font>
                <br >
                <font style="letter-spacing:0.2pt;">stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">37,791,050</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Record common stock, par value </font>
                <br >
                <font style="letter-spacing:0.2pt;">$0.01, for shares issued to Brookline </font>
                <br >
                <font style="letter-spacing:0.2pt;">stockholders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">378</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment for Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(184<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(13)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Purchase price</font> </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,305,530</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">less: Historical paid-in capital of </font>
                <br >
                <font style="letter-spacing:0.2pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(1,430,532<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">less: Amounts recorded to common </font>
                <br >
                <font style="letter-spacing:0.2pt;">stock issued to Brookline </font>
                <br >
                <font style="letter-spacing:0.2pt;">stockholders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(378<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to paid-in-capital </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(125,380<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(14)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Eliminate Berkshire historical capital </font>
                <br >
                <font style="letter-spacing:0.2pt;">accounts </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(15)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Eliminate historical Berkshire&#8217;s retained </font>
                <br >
                <font style="letter-spacing:0.2pt;">earnings at December&#160;31, 2024</font> </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">3,080</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Day 2 CECL reserve after tax</font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">(57,897<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td colspan="6">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:30pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Total adjustments to retained </font>
                <br >
                <font style="letter-spacing:0.2pt;">earnings</font> </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(54,817<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:8pt;text-align:left;vertical-align:top;">
              <font style="letter-spacing:0.2pt;">(16)</font>
            </td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to common shares </font>
                <br >
                <font style="letter-spacing:0.2pt;">outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td colspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Brookline common shares </font>
                <br >
                <font style="letter-spacing:0.2pt;">outstanding as of December&#160;31, </font>
                <br >
                <font style="letter-spacing:0.2pt;">2024</font> </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">89,978,691</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">0.42x</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Pro Forma Shares outstanding </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">37,791,050</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:8.8pt;">&#8203;</td>
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:8pt;text-align:left;vertical-align:top;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:0pt; width:5.8pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; width:174pt;text-align:left;">
              <div style="margin-left:20pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Net Adjustment to Shares </font>
                <br >
                <font style="letter-spacing:0.2pt;">outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.295pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:-1.205pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(52,187,641<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:-2.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt; width:8.8pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:48pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">36</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:24.5pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Pro Forma Income Statement&#8201;&#8212;&#8201;December&#160;31, 2024 Consolidated</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:617.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:171.47pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire for the </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Year Ended </font>
                <br >
                <font style="letter-spacing:-0.16pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline for the </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Year Ended </font>
                <br >
                <font style="letter-spacing:-0.16pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Adjustments </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.417pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Combined for the </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Year Ended </font>
                <br >
                <font style="letter-spacing:-0.16pt;">December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:171.47pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt; width:0pt;text-align:center;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">(Dollars in thousands, except per share amounts) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Interest and Dividend Income</font>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">556,527</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">587,929</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">89,929<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(1)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1,234,385</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Securities and other </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">57,411</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">40,592</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">32,234<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(2)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">130,237</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total interest and dividend income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">613,938</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">628,521</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">122,162</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">1,364,621</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Interest Expense</font>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">228,015</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">232,963</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">2,923<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">463,901</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Borrowings and subordinated notes </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">34,337</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">65,973</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">1,952<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(4)(5)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">102,262</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Total interest expense </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">262,352</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">298,936</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">4,875</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">566,163</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="margin-left:20pt;">
                <font style="letter-spacing:0.2pt;">Net interest income </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">351,586</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">329,585</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">117,287</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">798,458</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Noninterest Income</font>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Deposit related fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">33,759</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">10,548</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">44,307</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Loan related fees </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">11,280</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,052</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">15,332</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Gain on loan sales </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">12,648</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">951</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">13,599</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Wealth management fees </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">10,840</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">10,840</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total fee income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">68,527</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">15,551</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">84,078</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Other </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">13,576</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">10,064</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">23,640</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Fair value adjustment on securities </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">7</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">7</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">(Loss)/gain on sale of securities </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(49,937<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">(49,937<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:0.992pt 0pt 0.758pt 0pt; width:171.47pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Gain on sale of business operation and assets, net </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">16,241</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0.992pt 0pt 0.758pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">16,241</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total noninterest income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">48,414</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">25,615</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">74,029</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total net revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">400,000</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">355,200</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">117,287</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">872,487</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Provision expense for credit losses </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">23,999</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">21,644</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">45,643</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Noninterest expense</font>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Compensation and benefits </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">160,453</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">143,723</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">304,176</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Occupancy and equipment </font>
              </div>
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            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">31,469</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">22,056</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">53,525</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Technology </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">40,395</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">27,374</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">67,769</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Professional services </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">10,307</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">7,133</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">17,440</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Regulatory expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">7,395</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">8,044</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">15,439</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Amortization of intangible assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,601</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">6,746</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">37,386<font style="position:absolute;"><font style="font-weight:bold;font-size:9pt;"></font><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(6)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">48,733 </td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Marketing </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,522</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">5,240</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">9,762</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:1pt 0pt 0.5pt 0pt; width:171.47pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Merger, restructuring and other nonoperating expenses </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">9,493</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">4,201</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1pt 0pt 0.5pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">13,694</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.75pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Other </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">27,851</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">17,348</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">45,199</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.5pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total noninterest expense </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">296,486</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">241,865</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">37,386 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">575,737 </td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Income before income taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">79,515</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">91,691</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">79,901 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">251,107 </td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:2.75pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Income tax expense </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">18,512</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">22,976</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">19,975<font style="position:absolute;"><font style="font-weight:bold;font-size:9pt;"></font><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(7)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">61,463 </td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.5pt 0pt 1.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net Income </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">61,003</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">68,715</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:36.75pt; text-align:right; white-space:nowrap;">59,926 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 1.75pt 0pt;border-bottom:1px solid #000000; min-width:34.5pt; text-align:right; white-space:nowrap;">189,644 </td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Basic earnings per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1.44</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">0.77</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.5pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2.37 </td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Average basic shares outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">42,508,000</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">88,983,248</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(51,610,284<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(8)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">79,880,964</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Diluted earnings per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">1.43</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">0.77</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">2.37</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 0.75pt 0pt; width:171.47pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Average diluted shares outstanding </font>
              </div>
            </td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">42,761,000</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">89,302,304</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt; width:3pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:36.75pt; text-align:right; white-space:nowrap;">(51,795,336<font style="position:absolute;">)<font style=" position:relative; bottom:4.25pt;font-size:6.5pt;">(8)</font> </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt; width:11pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.75pt 0pt 0.75pt 0pt; min-width:34.5pt; text-align:right; white-space:nowrap;">80,267,968</td>
            <td style="padding:0pt;padding-left:6.59pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">37</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:381.5pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Accruing yield adjustment for the estimated fair value marks and resultant impact on interest income, which does not include the nonaccretable PCD mark. The adjustments are recognized over the expected life of the loans. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Estimated investment securities fair value adjustment amortization. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Estimated time deposit fair value adjustment amortization. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Estimated borrowed funds fair value adjustment amortization. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Estimated subordinated debt fair value adjustment amortization. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">CDI intangible amortization. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:436pt;height:55.5pt;margin-left:10pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:391.29pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Reverse amortization recorded for the year ended December&#160;31, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(4,601<font style="position:absolute;">)</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:391.29pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Adjustment to CDI amortization </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">40,757 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #CCEEFF;padding:3.5pt 0pt 2.5pt 0pt; width:391.29pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Customer list intangible amortization </font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:24pt; text-align:right; white-space:nowrap;">1,231 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:391.29pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Net adjustment </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:24pt; text-align:right; white-space:nowrap;">37,386</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(7)</font>
          <br >
        </div>
        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Tax effect on the pro&#160;forma adjustments at an assumed 25.0% effective combined federal and state tax rate. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(8)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Reflects the 0.42 exchange ratio to be received by Brookline in merger consideration.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">38</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tAMOB">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">ANNUAL MEETING OF BERKSHIRE STOCKHOLDERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">This document is being provided to holders of Berkshire common stock as Berkshire&#8217;s proxy statement in connection with the solicitation of proxies by and on behalf of Berkshire&#8217;s board of directors to be voted at the virtual Berkshire Annual Meeting and at any adjournment or postponement of the Berkshire Annual Meeting. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Date, Time and Place of Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Berkshire Annual Meeting is scheduled to be held as follows: </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Date:&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025 </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Time:&#8199;&#8199;&#8199;&nbsp;&nbsp;&nbsp;, Eastern time </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Place: Via live webcast at </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The virtual Berkshire Annual Meeting is scheduled to take place at &#8199;&#8199;&#8199;&#8199;&#8199;, Eastern time, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. The Berkshire Annual Meeting will be held exclusively via a live webcast at &#8199;&#8199;&#8199;&#8199;&#8199;. To participate in the virtual meeting, a Berkshire stockholder of record will need the&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;-digit control number included on your proxy card or instructions that accompanied your proxy materials, if applicable, or to obtain a proxy form from your broker, bank or other nominee. The Berkshire Annual Meeting webcast will begin promptly at &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time. Berkshire stockholders are encouraged to access the Berkshire Annual Meeting prior to the start time. If you encounter any difficulties accessing the virtual meeting or during the meeting time, please call the technical support number that will be posted on the virtual meeting login page. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Purpose of the Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At the Berkshire Annual Meeting, Berkshire&#8217;s stockholders will be asked to consider and vote on the following matters: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the Berkshire Share Issuance Proposal; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Berkshire Certificate of Incorporation Amendment Proposal; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Berkshire Equity Plan&#160;Proposal; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the Berkshire Director Election Proposal; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Berkshire Say-on-Pay Proposal; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the Berkshire Auditor Ratification Proposal; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Berkshire Adjournment Proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Who Can Vote at the Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You are entitled to vote if the records of Berkshire show that you held shares of Berkshire common stock as of the close of business on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the record date for the Berkshire Annual Meeting. As of the close of business on the record date, &#8199;&#8199;&#8199;&#8199;&#8199; shares of Berkshire common stock were outstanding. Each share of Berkshire common stock has one vote on each matter presented to stockholders. If your shares are held in &#8220;street name&#8221; by your broker, bank or other nominee and you wish to vote virtually at the Berkshire Annual Meeting, you will have to obtain a &#8220;legal proxy&#8221; from your broker, bank or other nominee entitling you to vote at the Berkshire Annual Meeting. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">How to Vote</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You may vote virtually or by proxy at the Berkshire Annual Meeting. To ensure your representation at the Berkshire Annual Meeting, Berkshire recommends that you vote by proxy even if you plan to attend the Berkshire Annual Meeting virtually. You can always change your vote at the virtual Berkshire Annual Meeting. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">39</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you are a &#8220;stockholder of record,&#8221; you can vote your shares: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote by Internet</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;You may vote via the Internet by following the instructions on your proxy card. The website for Internet voting is printed on your proxy card. Please have your proxy card in hand. Internet voting is available 24 hours per day until 11:59&#160;p.m., Eastern time, on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. You will receive a series of instructions that will allow you to vote your shares of common stock. You will also be given the opportunity to confirm that your instructions have been properly recorded. If you vote via the Internet, you do not need to return your proxy card. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote by Telephone</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;You may vote by telephone by calling the toll-free number listed on your proxy card. Telephone voting is available 24 hours per day until 11:59&#160;p.m., Eastern time, on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. When you call, please have your proxy card in hand. You will receive a series of voice instructions that will allow you to vote your shares of common stock. You will also be given the opportunity to confirm that your instructions have been properly recorded. If you vote by telephone, you do not need to return your proxy card. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote by Mail</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you would like to vote by mail, upon receipt of the proxy card, please mark, sign and date your proxy card and return it promptly to Broadridge, in the postage-paid envelope provided. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote at the Annual Meeting</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you are a stockholder of record and attend the Berkshire annual meeting, you may vote at the Berkshire annual meeting at the designated time during the meeting. You may attend and vote your shares at the Berkshire annual meeting by visiting &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199; and&#160;entering the 16-digit control number on your proxy card. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you plan to attend the Berkshire Annual Meeting virtually, you will be required to take certain actions ahead of the meeting so that you can participate. Please carefully read the sections in this document regarding attending and voting at the Berkshire Annual Meeting to ensure that you comply with these requirements. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Please refer to the specific instructions set forth on the proxy card. We encourage you to vote via the internet or by telephone. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire stockholders whose shares are held in &#8220;street name&#8221; by their broker, bank or other nominee must follow the instructions provided by their broker, bank or other nominee to vote their shares. Your broker, bank or other nominee may allow you to deliver your voting instructions via telephone or the internet. If your shares are held in &#8220;street name&#8221; and you wish to vote virtually at the Berkshire Annual Meeting, you will have to obtain a &#8220;legal proxy&#8221; from your broker, bank or other nominee entitling you to vote at the Berkshire Annual Meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you are a holder of record of Berkshire common stock, voting instructions are included on the enclosed proxy card. If you properly complete and timely submit your proxy, your shares will be voted as you have directed. You may vote for, against or abstain with respect to each matter. If you are the holder of record of your shares of Berkshire common stock and submit your proxy without specifying a voting instruction, your shares of Berkshire common stock will be voted &#8220;FOR&#8221; the Berkshire Share Issuance Proposal, &#8220;FOR&#8221; the Berkshire Certificate of Incorporation Amendment Proposal, &#8220;FOR&#8221; the Berkshire Equity Plan&#160;Proposal, &#8220;FOR&#8221; the Berkshire Director Election Proposal, &#8220;FOR&#8221; the Berkshire Say-on-Pay Proposal, &#8220;FOR&#8221; the Berkshire Auditor Ratification Proposal, and &#8220;FOR&#8221; the Berkshire Adjournment Proposal. If your shares are held in street name and you return an incomplete instruction card to your broker, bank or other nominee, that broker, bank or other nominee will not vote your shares with respect to any matter. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Quorum</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The presence, in person or by proxy, of holders of a majority of all of the shares of Berkshire common stock entitled to vote at the Berkshire Annual Meeting constitute a quorum for the transaction of business at the Berkshire Annual Meeting. Each share of common stock entitled to vote on the record date is entitled to one vote on each matter properly submitted at the Berkshire Annual Meeting. Abstentions and broker non-votes will be counted for purposes of determining whether a quorum is present for the transaction of business at the Berkshire Annual Meeting. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">40</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Vote Required</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">Approval of the Berkshire Share Issuance Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Berkshire Certificate of Incorporation Amendment Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Berkshire Equity Plan&#160;Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Berkshire directors will be elected by a plurality of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Berkshire Say-on-Pay Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Berkshire Auditor Ratification Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Berkshire Adjournment Proposal requires the affirmative vote of a majority of the votes cast at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Abstentions and Broker Non-Votes</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you are a beneficial owner of shares held in a brokerage account and you do not instruct your broker, bank or other agent how to vote your shares, your broker, bank or other agent may still be able to vote your shares in its discretion. Under the rules of NYSE (which in this matter also apply to Nasdaq-listed companies), brokers, banks and other securities intermediaries that are subject to NYSE rules may use their discretion to vote your uninstructed shares on matters considered to be &#8220;routine&#8221; under NYSE rules but not with respect to &#8220;non-routine&#8221; matters. A broker non-vote occurs when a broker, bank or other agent has not received voting instructions from the beneficial owner of the shares and the broker, bank, or other agent cannot vote the shares because the matter is considered &#8220;non-routine&#8221; under NYSE rules. The Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, and the Berkshire Adjournment Proposal are considered to be &#8220;non-routine&#8221; under NYSE rules such that your broker, bank or other agent may not vote your shares on those proposals in the absence of your voting instructions. The Berkshire Auditor Ratification Proposal is considered to be a &#8220;routine&#8221; matter. Your broker, bank or other agent, therefore, may vote your shares in its discretion in in the absence of your voting instructions. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Abstentions are counted for purposes of determining whether a quorum is present. If you &#8220;abstain&#8221; from voting for the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire Auditor Ratification Proposal, and the Berkshire Adjournment Proposal, it will have the same effect as if your vote was not cast with respect to each such proposal, and this will have no effect on the outcome. A broker non-vote will have no effect on the outcome of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, the Berkshire Equity Plan&#160;Proposal, the Berkshire Director Election Proposal, the Berkshire Say-on-Pay Proposal, the Berkshire Auditor Ratification Proposal, and the Berkshire Adjournment Proposal. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Revocation of Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You may revoke your proxy at any time before it is voted at the Berkshire Annual Meeting by: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">filing with the Corporate Secretary of Berkshire a duly executed revocation of proxy; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">submitting a new proxy with a later date; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">voting again via the internet or by telephone not later than&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time, on &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025; or </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">voting virtually at the Berkshire Annual Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">41</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:100pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If your shares are held in &#8220;street name,&#8221; you should contact your broker, bank or other nominee to change your vote. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Attendance at the Berkshire Annual Meeting will not, in and of itself, constitute a revocation of a proxy. All written notices of revocation and other communication with respect to the revocation of proxies should be addressed to: </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc.</font>
          <br >
          <font style="letter-spacing:0.2pt;">60 State Street</font>
          <br >
          <font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109</font>
          <br >
          <font style="letter-spacing:0.2pt;">Attention: Wm. Gordon Prescott, Corporate Secretary </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Delivery of Proxy Materials</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As permitted by applicable law, only one copy of this Joint Proxy Statement/Prospectus is being delivered to Berkshire stockholders residing at the same address, unless such Berkshire stockholders have notified Berkshire of their desire to receive multiple copies of the Joint Proxy Statement/Prospectus. Berkshire will promptly deliver, upon oral or written request, a separate copy of the joint proxy statement/prospectus to any Berkshire stockholder residing at an address to which only one copy of such document was mailed. Requests for additional copies should be directed to Berkshire&#8217;s proxy solicitor, Innisfree M&amp;A Incorporated (&#8220;Innisfree&#8221;), by calling toll-free at&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, or via e-mail to &#8199;&#8199;&#8199;&#8199;. If the Berkshire Special Meeting is postponed or adjourned, it will not affect the ability of Berkshire stockholders of record as of the Berkshire record date to exercise their voting rights or to revoke any previously granted proxy using the methods described above. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Solicitation of Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire will pay for the solicitation of proxies from Berkshire stockholders. In addition to soliciting proxies by mail, Innisfree], a proxy solicitation firm, will assist Berkshire in soliciting proxies for the Berkshire Annual Meeting. Berkshire will pay $30,000 for these services plus out-of-pocket expenses. Additionally, directors, officers and employees of Berkshire may solicit proxies personally and by telephone. None of these persons will receive additional or special compensation for soliciting proxies. Berkshire will, upon request, reimburse brokers, banks and other nominees for their expenses in sending proxy materials to their customers who are beneficial owners of Berkshire common stock and obtaining their voting instructions. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Other Matters to Come Before the Berkshire Annual Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire management knows of no other business to be presented at the Berkshire Annual Meeting, but if any other matters are properly presented to the meeting or any adjournments thereof, the persons named in the proxies will vote upon them in accordance with the Berkshire board&#8217;s recommendations. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Questions and Additional Information</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If a Berkshire stockholder has questions about the Mergers, or the process for voting, or if additional copies of this document or a replacement proxy card are needed, please contact Berkshire&#8217;s proxy solicitor, Innisfree, by calling toll-free at&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;or via e-mail to &#8199;&#8199;&#8199;&#8199;.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">42</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN1">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-bottom:482pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 1</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE SHARE ISSUANCE PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At the Berkshire Annual Meeting, Berkshire stockholders will consider and vote on a proposal to approve the issuance of Berkshire common stock to holders of Brookline common stock pursuant to the Merger Agreement. Details about the Mergers, including each party&#8217;s reasons for the Mergers, the effect of the adoption of the Merger Agreement, and the Mergers and the timing of effectiveness of the Mergers, are discussed in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] of this document. The Mergers cannot be completed without the approval of this proposal by Berkshire stockholders. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; </font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Berkshire Share Issuance Proposal. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">43</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:70pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 2</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE CERTIFICATE OF INCORPORATION AMENDMENT PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At the Berkshire Annual Meeting, Berkshire stockholders will be asked to approve a proposal to amend and restate Berkshire&#8217;s Certificate of Incorporation (the &#8220;Berkshire Restated Certificate of Incorporation&#8221;) to increase the number of authorized shares of its capital stock from 102,000,000 to 202,000,0000 shares, of which 200,000,000 shares shall be designated as shares of common stock, par value $0.01, and 2,000,000 shares shall be designated as shares of preferred stock, par value $0.01. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Mergers cannot be completed without the approval of this proposal by Berkshire stockholders. A copy of the proposed Berkshire Restated Certificate of Incorporation is attached to this Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:0.2pt;">Prospectus as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex D</font><font style="letter-spacing:0.2pt;">. Holders of Berkshire common stock should read the Berkshire Restated Certificate of Incorporation in its entirety. The amendment to the Berkshire Certificate of Incorporation will become effective only if the Berkshire Share Issuance Proposal and the Berkshire Equity Plan&#160;Proposal are approved by the stockholders and the Mergers are completed. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As of the record date for the Berkshire Annual Meeting, Berkshire had &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; shares of common stock outstanding and no shares of preferred stock outstanding. In connection with the Mergers, Berkshire expects to issue approximately &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; shares of common stock to Brookline common stockholders. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Berkshire board of directors considers the proposed increase in the number of authorized shares necessary because it will provide greater flexibility in the capital structure of the surviving corporation following the Mergers by allowing it to raise capital that may be necessary to further develop its business, to fund potential acquisitions, to have shares available for use in connection with stock plans, and to pursue other corporate purposes that may be identified by the surviving corporation&#8217;s board of directors in the future. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Each share of common stock authorized for issuance has the same rights as, and is identical in all respects with, each other share of common stock. The newly authorized shares of common stock will not affect the rights, such as voting and liquidation rights, of the shares of common stock currently outstanding. Under the Berkshire Certificate of Incorporation, Berkshire stockholders do not have pre-emptive rights. Therefore, should the Berkshire board of directors elect to issue additional shares of common stock, existing common stockholders would not have any preferential rights to purchase those shares, and such issuance could have a dilutive effect on earnings per share, book value per share, and the voting power and shareholdings of current stockholders, depending on the particular circumstances in which the additional shares of common stock are issued. Please see &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of Berkshire Capital Stock</font><font style="letter-spacing:0.2pt;">&#8221; included elsewhere in this Joint Proxy Statement/Prospectus for a description of Berkshire capital stock and the rights of Berkshire stockholders. The Berkshire board of directors continually considers Berkshire&#8217;s capital structure and will determine the terms and timing of any future issuance. Other than in connection with the Mergers and transactions related thereto, Berkshire does not have any current plans to issue shares of Berkshire common stock. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The foregoing description of the amendment to the Berkshire Certificate of Incorporation does not purport to be complete and is qualified in its entirety by reference to the full text of the form of Berkshire Restated Certificate of Incorporation, which is attached as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex D</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/Prospectus. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; </font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Berkshire Certificate of Incorporation Amendment Proposal. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">44</font>
          <br >
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN3">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 3</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE EQUITY PLAN PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire is asking its stockholders to approve the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan (the &#8220;2025 Plan&#8221;), which is attached as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex F</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:0.2pt;">Prospectus. The Berkshire board has adopted the 2025 Plan subject to the requisite stockholder approval at the Berkshire Annual Meeting and the consummation of the Mergers. If the requisite Berkshire stockholders approve this proposal, the 2025 Plan will become effective on the consummation of the Mergers and will be used by Berkshire following the consummation of the Mergers. The 2025 Plan will become effective only if the Berkshire Share Issuance Proposal and the Berkshire Certificate of Incorporation Amendment Proposal are approved by the stockholders and the Mergers are completed. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The 2025 Plan is intended to replace the Berkshire Stock Plans. If stockholders approve the 2025 Plan, then no further awards will be granted under the Berkshire Stock Plans. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Reasons to Approve the 2025 Plan</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Berkshire board believes that approval of the 2025 Plan by the Berkshire stockholders will benefit the compensation structure and strategy of the combined organization following the Mergers, and will be critical to the combined organization&#8217;s effort to build stockholder value after the Mergers. The Berkshire board believes that the 2025 Plan advances the combined organization&#8217;s interests by allowing the combined organization to attract, retain and incentivize employees, independent contractors and directors and promote the success of its business. Equity compensation will be a vital element of the combined organization&#8217;s compensation program after the Mergers, and the ability to grant stock awards at competitive levels is in the best interest of the combined organization and its stockholders. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Approval of the 2025 Plan by Berkshire stockholders is required, among other things, in order to (i)&#160;comply with the NYSE rules requiring stockholder approval of equity compensation plans and (ii)&#160;allow the grant of incentive stock options (&#8220;ISOs&#8221;) to participants under the 2025 Plan. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If the requisite Berkshire stockholders approve this proposal, the 2025 Plan will become effective on the consummation of the Mergers and the surviving corporation will register the necessary shares of its common stock on a Registration Statement on Form S-8. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A total of 3,300,000 shares of Berkshire common stock will be reserved for issuance under the 2025 Plan. Based solely upon the closing price of the Berkshire common stock as reported by NYSE on March&#160;10, 2025, the maximum aggregate market value of the Berkshire common stock that could potentially be issued under the 2025 Plan is $85,008,000. </font>
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          <font style="letter-spacing:-0.2pt;">Summary of the Material Features of the 2025 Plan</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The following description of the 2025 Plan is a summary only and is qualified in its entirety by the full text of the 2025 Plan, a copy of which is included as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex F</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/Prospectus and is incorporated herein by reference. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Number of Shares</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">3,300,000 shares of Berkshire common stock are reserved for issuance of awards under the 2025 Plan. This limit is subject to adjustment in the event of a reorganization, recapitalization, reclassification, stock split, stock dividend, reverse stock split or other similar change in the Berkshire&#8217;s capitalization. The maximum aggregate number of shares of Berkshire common stock that may be issued upon exercise of incentive stock options under the 2025 Plan shall not exceed 3,300,000 shares, subject in all cases to adjustments as mentioned above. </font>
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          <font style="letter-spacing:0.2pt;">Shares of Berkshire common stock underlying any awards under the 2025 Plan that are forfeited, canceled, or otherwise terminated (other than by exercise) shall be added back to the shares available for issuance under the 2025 Plan and, to the extent permitted under Section&#160;422 of the Code and the regulations promulgated thereunder, the shares that may be issued as incentive stock options. Notwithstanding the foregoing, the following shares shall not be added to the shares authorized for grant under the 2025 Plan: (i)&#160;shares tendered or held back upon exercise of an option or settlement of an award to cover the exercise </font>
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          <font style="letter-spacing:0.2pt;">price or tax withholding, and (ii)&#160;shares subject to a stock appreciation right that are not issued in connection with the stock settlement of such stock appreciation right upon exercise thereof. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Non-Employee Director Compensation Limit</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The 2025 Plan contains a limitation whereby the value of all awards under the 2025 Plan and all other cash compensation paid by Berkshire to any non-employee director may not exceed $725,000 in any calendar year; provided, however, that such amount will be $870,000 for the calendar year a non-employee director is initially elected or appointed to the Berkshire board. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Minimum Vesting Period</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The 2025 Plan contains a minimum vesting period such that the vesting period for each award granted under the 2025 Plan must be at least equal to the &#8220;minimum vesting period&#8221;, which is the one-year period following the date of grant of the award; provided, however, that (i)&#160;such minimum vesting period will not limit the Berkshire compensation committee&#8217;s authority to accelerate the vesting of the award, (ii)&#160;notwithstanding the foregoing, up to 5% of the shares of Berkshire common stock authorized for issuance under the 2025 Plan may be utilized for unrestricted stock awards or other awards with a vesting period that is less than the minimum vesting periods, and (iii)&#160;notwithstanding the foregoing, annual awards to non-employee directors that occur in connection with Berkshire&#8217;s annual meeting of stockholders may vest on the date of Berkshire&#8217;s next annual meeting of stockholders, provided, however, that in no event will the vesting period for any such award be less than 50 weeks. In addition, the Berkshire compensation committee may grant awards that vest within the minimum vesting period if such awards are granted as substitute awards in replacement of other awards that were scheduled to vest during the minimum vesting period (or in connection with elective deferrals of compensation that would otherwise have been paid during the minimum vesting period). </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Administration</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The 2025 Plan will be administered by the Berkshire compensation committee, which will have full power to select, from among the individuals eligible for awards, the individuals to whom awards will be granted, to make any combination of awards to participants, and to determine the specific terms and conditions of each award, subject to the provisions of the 2025 Plan. The Berkshire compensation committee may delegate to a subcommittee consisting of one or more members of the Berkshire board or committee comprised of one or more officers the authority to grant stock options and other awards to employees who are not subject to the reporting and other provisions of Section&#160;16 of the Exchange Act and not members of the delegated subcommittee or committee, subject to certain limitations and guidelines, including a time period of such delegation. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Eligibility</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Persons eligible to participate in the 2025 Plan will be officers, employees, non-employee directors and consultants of Berkshire as selected from time to time by the Berkshire compensation committee in its discretion. Immediately following the completion of the Merger, approximately 563 officers, 21 employees who are not officers, 15 non-employee directors, and no consultants of the combined organization are expected to be eligible to participate in the 2025 Plan. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Stock Options</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The 2025 Plan permits the granting of both options to purchase Berkshire common stock intended to qualify as &#8220;incentive stock options&#8221; within the meaning of Section&#160;422 of the Code and options that do not so qualify. Options granted under the 2025 Plan will be non-qualified options if they fail to qualify as incentive stock options or exceed the annual limit on incentive stock options. Incentive stock options may only be granted to employees of Berkshire and its subsidiaries. Non-qualified options may be granted to any persons eligible for awards under the 2025 Plan. </font>
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          <font style="letter-spacing:0.2pt;">The option exercise price of each option will be determined by the Berkshire compensation committee but generally may not be less than 100% of the fair market value of Berkshire common stock on the date of grant or, in the case of an incentive stock option granted to a ten&#160;percent stockholder, 110% of such share&#8217;s fair market value. The term of each option will be fixed by the Berkshire compensation committee and may not exceed ten&#160;years from the date of grant. The Berkshire compensation committee will determine at what time or times each option may be exercised, including the ability to accelerate the vesting of such options. </font>
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          <font style="letter-spacing:0.2pt;">Upon exercise of options, the option exercise price must be paid in full either in cash, by certified or bank check or other instrument acceptable to the Berkshire compensation committee or by delivery (or attestation to the ownership) of shares of Berkshire common stock that are beneficially owned by the optionee free of restrictions or were purchased in the open market. Subject to applicable law, the exercise price </font>
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          <font style="letter-spacing:0.2pt;">may also be delivered by a broker pursuant to irrevocable instructions to the broker from the optionee. In addition, the Berkshire compensation committee may permit non-qualified options to be exercised using a &#8220;net exercise&#8221; arrangement that reduces the number of shares issued to the optionee by the largest whole number of shares with fair market value that does not exceed the aggregate exercise price. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Stock Appreciation Rights</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The Berkshire compensation committee may award stock appreciation rights subject to such conditions and restrictions as it may determine. Stock appreciation rights entitle the recipient to shares of Berkshire common stock, or cash, equal to the value of the appreciation in Berkshire&#8217;s stock price over the exercise price. The exercise price generally may not be less than 100% of the fair market value of Berkshire common stock on the date of grant. The term of each stock appreciation right will be fixed by the Berkshire compensation committee and may not exceed ten&#160;years from the date of grant. The Berkshire compensation committee will determine at what time or times each stock appreciation right may be exercised. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Restricted Stock and RSU Awards</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The Berkshire compensation committee may award restricted shares of Berkshire common stock and RSUs to participants subject to such conditions and restrictions as it may determine. These conditions and restrictions may include the achievement of certain performance goals and/or continued employment with us through a specified vesting period. Dividends paid by Berkshire during the vesting period of a restricted stock award will be accrued and not paid to the grantee until and to the extent that the related restricted stock award vests. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Unrestricted Stock Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Berkshire compensation committee may also grant shares of Berkshire common stock that are free from any restrictions under the 2025 Plan. Unrestricted stock may be granted to participants in recognition of past services or for other valid consideration and may be issued in lieu of cash compensation due to such participant. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Dividend Equivalent Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Berkshire compensation committee may grant dividend equivalent rights to participants that entitle the recipient to receive credits for dividends that would be paid if the recipient had held a specified number of shares of Berkshire common stock. Dividend equivalent rights granted as a component of an RSU award may be paid only if the related RSU award becomes vested. Dividend equivalent rights may be settled in cash, shares of Berkshire common stock or a combination thereof, in a single installment or installments, as specified in the award. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Cash-Based Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Berkshire compensation committee may grant cash-based awards under the 2025 Plan to participant. Cash-based awards will be payable upon achievement of specified performance goals as determined by the Berkshire compensation committee. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Changes to Capital Structure</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The 2025 Plan requires the Berkshire compensation committee to make appropriate adjustments to the number of shares of Berkshire common stock that are subject to the 2025 Plan, to certain limits in the 2025 Plan, and to any outstanding awards to reflect stock dividends, stock splits, extraordinary cash dividends and similar events. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Sale Event</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The 2025 Plan provides that upon the effectiveness of a &#8220;sale event,&#8221; as defined in the 2025 Plan, an acquirer or successor entity may assume, continue or substitute for the outstanding awards under the 2025 Plan. To the extent that awards granted under the 2025 Plan are not assumed or continued or substituted by the successor entity, all awards granted under the 2025 Plan shall terminate. In such case, except as may be otherwise provided in the relevant award agreement, (i)&#160;all awards with time-based vesting conditions or restrictions that are not vested and/or exercisable immediately prior to the effective time of the sale event shall become fully vested and exercisable or nonforfeitable as of the effective time of the sale event, and (ii)&#160;all awards with conditions and restrictions relating to the attainment of performance goals will become vested and nonforfeitable in connection with a sale event at the greater of (x)&#160;100% of target levels or (y)&#160;the levels determined based on actual performance against the applicable performance conditions as of the date of the sale event (if determinable). In the event of such termination, individuals holding options and stock appreciation rights will, for each such award, either (a)&#160;receive a payment in cash or in kind for each share subject to such award that is exercisable in an amount equal to the per share cash consideration payable to stockholders in the sale event less the applicable per share exercise price (provided that, in the case of an option or stock appreciation right with an exercise price equal to or greater than the per share cash consideration payable to stockholders in the sale event, such option or stock appreciation right shall be </font>
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          <font style="letter-spacing:0.2pt;">cancelled for no consideration) or (b)&#160;be permitted to exercise such options and stock appreciation rights (to the extent exercisable after taking into account any acceleration thereunder) within a specified period of time prior to the sale event. The Berkshire compensation committee also has the option (in its sole discretion) to make or provide for a payment, in cash or in kind, to the grantees holding other awards in an amount equal to the per share cash consideration payable to stockholders in the sale event multiplied by the number of vested shares under such awards (after taking into account any acceleration in connection with the sale event). </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Substitute Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Berkshire compensation committee may grant awards under the 2025 Plan in substitution for shares and share-based awards held by employees, directors or consultants of another corporation in connection with the merger or consolidation of the employing corporation with Berkshire or any of its subsidiaries or the acquisition by Berkshire or any of its subsidiaries of property or shares of the employing corporation. The Berkshire compensation committee may direct that the substitute awards be granted on such terms and conditions as the Berkshire compensation committee considers appropriate in such circumstances. To the extent permitted by applicable law, any substitute award granted under the 2025 Plan will not count against the share limitation of the 2025 Plan. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Tax Withholding</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">Participants in the 2025 Plan are responsible for the payment of any federal, state or local taxes that Berkshire is required by law to withhold upon the exercise of options or stock appreciation rights or vesting of other awards. The Berkshire compensation committee may cause any tax withholding obligation of Berkshire to be satisfied, in whole or in part, by Berkshire withholding from shares of Berkshire common stock to be issued pursuant to an award a number of shares with an aggregate fair market value that would satisfy the withholding amount due. The Berkshire compensation committee may also require any tax withholding obligation of Berkshire to be satisfied, in whole or in part, by an arrangement whereby a certain number of shares issued pursuant to any award are immediately sold and proceeds from such sale are remitted to Berkshire in an amount that would satisfy the withholding amount due. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Transferability of Awards</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The 2025 Plan generally does not allow for the transfer or assignment of awards, other than by will or by the laws of descent and distribution or pursuant to a domestic relations order; however, the Berkshire compensation committee may permit the transfer of non-qualified stock options by gift to an immediate family member, to trusts for the benefit of family members, or to partnerships in which such family members are the only partners. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Clawback</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">Awards granted under the 2025 Plan are subject to reduction, cancellation, forfeiture or recoupment under any clawback policy adopted by Berkshire from time to time, including the Berkshire Hills Bancorp, Inc. Clawback Policy. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Amendment and Termination</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The Berkshire compensation committee may amend or discontinue the 2025 Plan and the Berkshire compensation committee may amend or cancel outstanding awards for purposes of satisfying changes in law or any other lawful purpose, but no such action may materially and adversely affect rights under an award without the holder&#8217;s consent. However, the 2025 Plan expressly prohibits re-pricing of option awards without prior stockholder approval. Additionally, certain amendments to the 2025 Plan require the approval of Berkshire stockholders. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Term</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;No awards may be granted under the 2025 Plan after the date that is ten&#160;years from the date that stockholders approve the 2025 Plan, and no awards intended to qualify as incentive stock options may be granted after the date that is ten&#160;years from the date the Berkshire board approved the 2025 Plan. </font>
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          <font style="letter-spacing:-0.2pt;">Certain United States Federal Income Tax Aspects</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The following is a summary of the principal federal income tax consequences of certain transactions under the 2025 Plan. It does not describe all federal tax consequences under the 2025 Plan, nor does it describe state or local tax consequences. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Incentive Stock Options</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;No taxable income is generally realized by the optionee upon the grant or exercise of an incentive stock option. If shares of Berkshire common stock issued to an optionee pursuant to the exercise of an incentive stock option are sold or transferred after two&#160;years from the date of grant and after one year from the date of exercise, then generally (i)&#160;upon sale of such shares, any amount realized in excess of the option exercise price (the amount paid for the shares) will be taxed to the optionee as a long-term </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">capital gain, and any loss sustained will be a long-term capital loss, and (ii)&#160;Berkshire will not be entitled to any deduction for federal income tax purposes; provided that such incentive stock option otherwise meets all of the technical requirements of an incentive stock option. The exercise of an incentive stock option will give rise to an item of tax preference that may result in alternative minimum tax liability for the optionee. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">If shares of Berkshire common stock acquired upon the exercise of an incentive stock option are disposed of prior to the expiration of the two-year and one-year holding periods described above (a &#8220;disqualifying disposition&#8221;), generally (i)&#160;the optionee will realize ordinary income in the year of disposition in an amount equal to the excess (if any) of the fair market value of the shares of Berkshire common stock at exercise (or, if less, the amount realized on a sale of such shares of Berkshire common stock) over the option price thereof, and (ii)&#160;we will be entitled to deduct such amount. Special rules will apply where all or a portion of the exercise price of the incentive stock option is paid by tendering shares of Berkshire common stock. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">If an incentive stock option is exercised at a time when it no longer qualifies for the tax treatment described above, the option is treated as a non-qualified option. Generally, an incentive stock option will not be eligible for the tax treatment described above if it is exercised more than three&#160;months following termination of employment (or one year in the case of termination of employment by reason of disability). In the case of termination of employment by reason of death, the three-month rule does not apply. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">No income is generally realized by the optionee at the time a non-qualified option is granted. Generally (i)&#160;at exercise, ordinary income is realized by the optionee in an amount equal to the difference between the option exercise price and the fair market value of the shares of Berkshire common stock on the date of exercise, and we receive a tax deduction for the same amount, and (ii)&#160;at disposition, appreciation or depreciation after the date of exercise is treated as either short-term or long-term capital gain or loss depending on how long the shares of Berkshire common stock have been held. Special rules will apply where all or a portion of the exercise price of the non-qualified option is paid by tendering shares of Berkshire common stock. Upon exercise, the optionee will also be subject to Social Security taxes on the excess of the fair market value over the exercise price of the option. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">For all other awards under the 2025 Plan, Berkshire generally will be entitled to a tax deduction in connection with other awards under the 2025 Plan in an amount equal to the ordinary income realized by the participant at the time the participant recognizes such income. Participants typically are subject to income tax and recognize such tax at the time that an award is exercised, vests or becomes non-forfeitable, unless the award provides for deferred settlement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">The vesting of any portion of an award that is accelerated due to the occurrence of a change in control (such as a sale event) may cause all or a portion of the payments with respect to such accelerated awards to be treated as &#8220;parachute payments&#8221; as defined in the Code. Any such parachute payments may be non-deductible to Berkshire, in whole or in part, and may subject the recipient to a non-deductible 20% federal excise tax on all or a portion of such payment (in addition to other taxes ordinarily payable). </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">New Plan&#160;Benefits</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">No awards have been previously granted under the 2025 Plan and no awards have been granted that are contingent on stockholder approval of the 2025 Plan. The awards that are to be granted to any participant or group of participants are indeterminable at the date of this proxy statement/prospectus because participation and the type of awards that may be granted under the 2025 Plan are subject to the discretion of the plan administrator. Consequently, no new plan benefits table is included in this proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Equity Compensation Plan&#160;Information</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">The following table provides information as of December&#160;31, 2024 with respect to the shares of Berkshire common stock that may be issued under Berkshire&#8217;s existing equity compensation plans: </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">49</font>
          <br >
        </div>
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      <hr >
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-bottom:244pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:153pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:276.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Plan&#160;Category </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">securities to</font>
                <br >
                <font style="letter-spacing:-0.16pt;">be issued upon</font>
                <br >
                <font style="letter-spacing:-0.16pt;">exercise of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">outstanding</font>
                <br >
                <font style="letter-spacing:-0.16pt;">options,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">warrants and</font>
                <br >
                <font style="letter-spacing:-0.16pt;">rights</font>
                <br >
                <font style="letter-spacing:-0.16pt;">(a) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Weighted</font>
                <br >
                <font style="letter-spacing:-0.16pt;">average</font>
                <br >
                <font style="letter-spacing:-0.16pt;">exercise</font>
                <br >
                <font style="letter-spacing:-0.16pt;">price of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">outstanding</font>
                <br >
                <font style="letter-spacing:-0.16pt;">options,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">warrants and</font>
                <br >
                <font style="letter-spacing:-0.16pt;">rights</font><font style=" position:relative; bottom:3.25pt;line-height:6pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
                <br >
                <font style="letter-spacing:-0.16pt;">(b) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of</font>
                <br >
                <font style="letter-spacing:-0.16pt;">securities</font>
                <br >
                <font style="letter-spacing:-0.16pt;">remaining</font>
                <br >
                <font style="letter-spacing:-0.16pt;">available for</font>
                <br >
                <font style="letter-spacing:-0.16pt;">future issuance</font>
                <br >
                <font style="letter-spacing:-0.16pt;">under equity</font>
                <br >
                <font style="letter-spacing:-0.16pt;">compensation</font>
                <br >
                <font style="letter-spacing:-0.16pt;">plans (excluding</font>
                <br >
                <font style="letter-spacing:-0.16pt;">securities</font>
                <br >
                <font style="letter-spacing:-0.16pt;">reflected in</font>
                <br >
                <font style="letter-spacing:-0.16pt;">first column)</font>
                <br >
                <font style="letter-spacing:-0.16pt;">(c) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:276.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Equity compensation plans approved by security holders</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.81pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">44,400<font style="position:absolute;"><font style=" position:relative; bottom:3.25pt;font-size:6.5pt;">(3)</font> </font></td>
            <td style="padding:0pt;padding-left:9.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">26.65</td>
            <td style="padding:0pt;padding-left:10.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.19pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">787,382</td>
            <td style="padding:0pt;padding-left:10.19pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:276.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Equity compensation plans not approved by security holders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.81pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:9.81pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.095pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:10.095pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.19pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:10.19pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:276.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.81pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:21pt; text-align:right; white-space:nowrap;">44,400</td>
            <td style="padding:0pt;padding-left:9.81pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.095pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:17.25pt; text-align:right; white-space:nowrap;">26.65</td>
            <td style="padding:0pt;padding-left:10.095pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.19pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:24.75pt; text-align:right; white-space:nowrap;">787,382</td>
            <td style="padding:0pt;padding-left:10.19pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:5.5pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:normal;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Represents the weighted average exercise price of outstanding stock options. Outstanding time or performance-based restricted stock&#160;units (&#8220;RSUs&#8221;) are not included in such weighted average exercise price calculations because RSUs do not have an exercise price. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:normal;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Includes Berkshire&#8217;s 2022 Equity Incentive Plan and 2018 Equity Incentive Plan. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-weight:normal;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Includes 44,400 shares of Berkshire common stock issuable upon exercise of outstanding stock options. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">The Mergers cannot be completed without the approval of this proposal by Berkshire stockholders. A copy of the proposed Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan is attached to this Joint Proxy Statement/Prospectus as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex F</font><font style="letter-spacing:0.2pt;">. Holders of Berkshire common stock should read the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan in its entirety. The Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan will become effective only if the Berkshire Share Issuance Proposal and the Berkshire Certificate of Incorporation Amendment Proposal are approved by the stockholders and the Mergers are completed. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; </font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Berkshire Equity Plan&#160;Proposal. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-weight:normal;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">50</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN4">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:250pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 4</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE DIRECTOR ELECTION PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s board is presenting nine nominees for election as directors at the Berkshire Annual Meeting: David M. Brunelle, Mary Anne Callahan, Nina A. Charnley, Mihir A. Desai, William H. Hughes&#160;III, Sylvia Maxfield, Nitin J. Mhatre, Karyn Polito, and Eric S. Rosengren. Current directors Jeffrey W. Kip&#160;and Laurie Norton Moffatt do not intend to stand for re-election at the Berkshire Annual Meeting. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">All of the nominees currently serve as directors on Berkshire&#8217;s board. Each director elected at the Berkshire Annual Meeting will serve for a one-year term until Berkshire&#8217;s 2026 annual meeting or until a successor is duly elected and qualified. Each director nominee has consented to being named in this Joint Proxy Statement/Prospectus and to serving as a director if elected. If a nominee is unable to be a candidate when the election takes place, the shares represented by valid proxies will be voted in favor of the remaining nominees. The Berkshire board does not currently anticipate that any of the nominees will be unable to be a candidate for election. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire stockholders should understand that if the Mergers are consummated, the effect of the approval of the director nominees named in the Director Election Proposal will be limited because the composition of the Berkshire board will be reconstituted upon completion of the Mergers in accordance with the Merger Agreement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Immediately following the Mergers, the combined company&#8217;s board of directors will be fixed at 16&#160;members, with eight directors designated by each of Berkshire (which will include David M. Brunelle) and Brookline (which will include Paul A. Perrault). </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Mergers are not conditioned upon the approval of the Berkshire Director Election Proposal. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Unless otherwise instructed, the proxy holders will vote the proxies received by them &#8220;FOR&#8221; the election of the nominees as directors. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; the Berkshire director nominees. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">51</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN5">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:326pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 5</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE SAY-ON-PAY PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In accordance with Section&#160;14A of the Securities Exchange Act of 1934, Berkshire stockholders are being given the opportunity to vote on an advisory (non-binding) resolution at the Annual Meeting to approve Berkshire&#8217;s executive compensation as described in the Compensation Discussion and Analysis, compensation tables and narrative discussion of named executive officer compensation incorporated by reference into this Joint Proxy Statement/Prospectus. This proposal, commonly known as a &#8220;say-on-pay&#8221; proposal, gives stockholders the opportunity to endorse or not endorse Berkshire&#8217;s executive pay program. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The purpose of Berkshire&#8217;s compensation policies and procedures is to attract and retain experienced, highly qualified executives critical to Berkshire&#8217;s long-term success and enhancement of stockholder value. The Berkshire board of directors believes Berkshire&#8217;s compensation policies and procedures achieve this objective, and therefore recommend stockholders vote &#8220;FOR&#8221; the proposal. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;RESOLVED, that the compensation paid to Berkshire&#8217;s named executive officers, as disclosed pursuant to Item&#160;402 of the SEC&#8217;s Regulation&#160;S-K in Berkshire&#8217;s Amendment No. 1 to the Form 10-K/A and incorporated into this Joint Proxy Statement/Prospectus, including the Compensation Discussion and Analysis, compensation tables and narrative discussion, is hereby approved.&#8221; </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This is an advisory vote only, and neither Berkshire nor the Berkshire board of directors will be bound to take action based upon the outcome. The Berkshire compensation committee will consider the vote of the stockholders when considering future executive compensation arrangements. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; </font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Berkshire Say-on-Pay Proposal. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">52</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN6">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:414pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 6</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE AUDITOR RATIFICATION PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s independent registered public accounting firm (&#8220;Accounting Firm&#8221;) for the year ended December&#160;31, 2024 was Crowe LLP (&#8220;Crowe&#8221;). The Audit Committee of the Berkshire board has appointed Crowe as the independent registered public accounting firm for the year ending December&#160;31, 2025, subject to ratification by the stockholders at the Berkshire Annual Meeting. A representative of Crowe is expected to be present at the Berkshire Annual Meeting to respond to appropriate questions from stockholders and will have the opportunity to make a statement should they desire to do so. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Stockholder ratification of the appointment of Crowe is not required by Berkshire bylaws or otherwise; however, the Berkshire board is submitting the appointment of Crowe to the stockholders for ratification as a matter of good corporate practice. If the Auditor Ratification Proposal is not approved by a majority of the votes cast at the Berkshire Annual Meeting, other independent registered public accounting firms may be considered by the Audit Committee. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; </font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Berkshire Auditor Ratification Proposal. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">53</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN7">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:470pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PROPOSAL NO. 7</font>
        </div>
        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BERKSHIRE ADJOURNMENT PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If there are insufficient proxies at the time of the meeting to approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, or the Berkshire Equity Plan&#160;Proposal, the Berkshire stockholders may be asked to vote on a proposal to adjourn the meeting to a later date to allow additional time to solicit additional proxies. Berkshire&#8217;s board of directors does not currently intend to propose adjournment at the Berkshire Annual Meeting if there are sufficient votes to approve the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal. </font>
        </div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; </font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Berkshire Adjournment Proposal. </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">54</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBVPI">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:12pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE PAY VERSUS PERFORMANCE INFORMATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">Berkshire is providing the following information about the relationship between executive compensation actually paid (as defined by SEC rules) and certain financial performance of Berkshire. Berkshire&#8217;s compensation committee did not consider the pay versus performance disclosure when making its incentive compensation decisions. The amounts in the table below are calculated in accordance with SEC rules and do not represent amounts actually earned or realized by principal executive officers (&#8220;PEOs&#8221;) and non-PEO named executive officers (&#8220;NEOs&#8221;), including with respect to restricted stock compensation. </font>
        </div>
      </div>
      <div style="margin-top:12pt;margin-bottom:12pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;height:149.53pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;height:9.84pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48.24pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.805pt 0pt; width:0pt;" colspan="34">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">PEO</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.805pt 0pt;" colspan="4" rowspan="3">
              <div style="text-align:center; line-height:8.99pt; padding-bottom:0.326666666666667pt;">
                <font style="letter-spacing:-0.16pt;">Average </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Summary </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Compensation </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Table </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Total for </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Non-PEO </font>
                <br >
                <font style="letter-spacing:-0.16pt;">NEOs</font><font style=" position:relative; bottom:3.25pt;line-height:6pt;font-size:5pt;letter-spacing:-0.12pt;">(3)</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.805pt 0pt;" colspan="4" rowspan="3">
              <div style="text-align:center; line-height:8.99pt; padding-bottom:0.326666666666667pt;">
                <font style="letter-spacing:-0.16pt;">Average </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Compensation </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Actually </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Paid to </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Non-PEO </font>
                <br >
                <font style="letter-spacing:-0.16pt;">NEOs</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.805pt 0pt; width:0pt;" colspan="10" rowspan="2">
              <div style="text-align:center; line-height:8.98pt; padding-bottom:0.326666666666667pt;">
                <font style="letter-spacing:-0.16pt;">Value of Initial Fixed $100</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Investment from 12/31/19</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="2">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.805pt 0pt;" colspan="4" rowspan="3">
              <div style="text-align:center; line-height:8.99pt; padding-bottom:0.326666666666667pt;">
                <font style="letter-spacing:-0.16pt;">Net </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Income</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($000)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;" rowspan="3">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.805pt 0pt;" colspan="4" rowspan="3">
              <div style="text-align:center; line-height:8.99pt; padding-bottom:0.326666666666667pt;">
                <font style="letter-spacing:-0.16pt;">Company-</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Selected </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Measure</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Operating </font>
                <br >
                <font style="letter-spacing:-0.16pt;">ROTCE</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(7)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="3">&#8203;</td>
          </tr>
          <tr style="line-height:8.98pt;height:23.07pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:48.24pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt; width:0pt;" colspan="16">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Summary Compensation </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Table Total</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt; width:0pt;" colspan="16">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Compensation Actually </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Paid</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(2)</font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8.98pt;height:50.02pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt; width:48.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Year</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">PEO 1</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Nitin </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Mhatre</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">PEO 2</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Sean </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Gray</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">PEO 3</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Richard </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Marotta</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">PEO 1</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Nitin </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Mhatre</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">PEO 2</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Sean </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Gray</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">PEO 3</font>
                <br >
                <font style="letter-spacing:-0.16pt;">Richard </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Marotta</font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">Total </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Shareholder </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Return </font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(5)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.597pt 0pt 2.478pt 0pt;" colspan="4">
              <div style="text-align:center; line-height:8.99pt;">
                <font style="letter-spacing:-0.16pt;">Peer Group </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Total </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Shareholder </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Return </font>
                <br >
                <font style="letter-spacing:-0.16pt;">($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(6)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:2pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.263pt 0pt 2.097pt 0pt; width:48.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">2024 </font> </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,662,950 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,680,210 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">991,245 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">909,963 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">100.31 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">130.90 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">61,003 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.56<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.513pt 0pt 2.097pt 0pt; width:48.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">2023 </font> </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,633,381 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,658,299 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">907,631 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">635,368 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">85.10 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">115.64 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">69,598 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.05<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:48.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">2022 </font> </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,609,600 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,984,797 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">957,688 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">987,755 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">99.13 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">116.10 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">92,533 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.07<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:48.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">2021 </font> </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,292,852 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,813,456 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,947,138 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">2,662,478 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">616,334 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">643,915 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">92.51 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">124.74 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">118,664 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.58<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:48.24pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">2020 </font> </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">1,493,453 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">5,301,126 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:0.16pt;">N/A</font>
              </div>
            </td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">804,428 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:26.25pt; text-align:right; white-space:nowrap;">3,646,629 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">621,554 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">350,331 </td>
            <td style="padding:0pt;padding-left:10.58pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">54.70 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:18.75pt; text-align:right; white-space:nowrap;">91.29 </td>
            <td style="padding:0pt;padding-left:10.12pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:21.75pt; text-align:right; white-space:nowrap;">(533,017<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt; width:2pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">3.07<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The dollar amounts reported for the PEOs Mr.&#160;Mhatre, Mr.&#160;Gray and Mr.&#160;Marotta under &#8220;Summary Compensation Table Total&#8221; are the amounts of total compensation reported for those persons for each corresponding year in the &#8220;Total&#8221; column of the Summary Compensation Table included in Berkshire&#39;s Amendment No.&#160;1 to its Annual Report on Form&#160;10-K, filed on March&#160;19, 2025. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:3.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The dollar amounts reported for Mr.&#160;Mhatre, Mr.&#160;Gray, and Mr.&#160;Marotta under &#8220;Compensation Actually Paid&#8221; represent the amount of &#8220;compensation actually paid&#8221; to those persons, as computed in accordance with Item&#160;402(v) of the SEC&#8217;s Regulation&#160;S-K. The dollar amounts do not reflect the actual amount of compensation earned by or paid to them during the applicable year. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.71pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:3.71pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The dollar amounts reported under &#8220;Average Summary Compensation Total for non-PEO NEOs&#8221; represent the average of the amounts reported for Berkshire&#8217;s NEOs as a group (excluding any individual serving as Berkshire&#8217;s CEO during such year) in the &#8220;Total&#8221; column of the Summary Compensation Table in each applicable year. The NEOs included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2024, Sean Gray, Brett Brbovic, James Brown, Gregory Lindenmuth, and David Rosato; (ii) for 2023, Sean Gray, David Rosato, James Brown, Gregory Lindenmuth, and Brett Brbovic; (iii)&#160;for 2022, Sean Gray, Brett Brbovic, George Bacigalupo, Gregory Lindenmuth, and Subhadeep Basu; (iv)&#160;for 2021, Subhadeep Basu, George Bacigalupo, Gregory Lindenmuth, Deborah Stephenson and James Moses; and (v)&#160;for 2020, James Moses, George Bacigalupo, Gregory Lindenmuth, and Tami Gunsch. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:3.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The dollar amounts reported under &#8220;Average Compensation Actually Paid for non-PEO NEOs&#8221; represent the average amount of &#8220;compensation actually paid&#8221; to the NEOs as a group (excluding the CEO), as computed in accordance with Item&#160;402(v) of the SEC&#8217;s Regulation&#160;S-K. The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the NEOs as a group during the applicable year. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:3.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Cumulative total shareholder return (&#8220;TSR&#8221;) is calculated by dividing the sum of the cumulative amount of dividends for the measurement period, assuming dividend reinvestment, and the difference between Berkshire&#8217;s share price at the end and the beginning of the measurement period by Berkshire&#8217;s share price at the beginning of the measurement period, which is December&#160;31, 2019. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:3.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Represents the weighted peer group TSR, weighted according to the respective companies&#8217; stock market capitalization at the beginning of each period for which a return is indicated. The peer group used for this purpose is the following published industry index: KBW NASDAQ Regional Banking Index. The measurement period is from December&#160;31, 2019. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">55</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(7)</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Operating Return on Tangible Common Equity (&#8220;ROTCE&#8221;) is a non-GAAP financial measure based on earnings on an operating basis as adjusted for notable items as disclosed below. The specific measure used is the Operating Return on Tangible Common Equity, including unrealized losses on AFS securities. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In accordance with the requirements of Item&#160;402(v) of the SEC&#8217;s Regulation&#160;S-K, the adjustments in the table below were made to the PEOs and non-PEO NEOs&#8217; total compensation to determine the compensation actually paid in 2024: </font>
        </div>
        <table style="width:456pt;height:300pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:341.39pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Nitin Mhatre</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2024</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Average Non-</font>
                <br >
                <font style="letter-spacing:-0.16pt;">PEO NEOs</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2024</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:341.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total Compensation as reported in Summary Compensation Table (&#8220;SCT&#8221;) </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">2,662,950 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">991,245 </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:341.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Pension values reported in SCT </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:341.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Fair value of equity awards granted during fiscal year </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">(886,410<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">(321,654<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:341.39pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Pension value attributable to current year&#8217;s service and any change in pension value attributable to plan amendments made in the current year </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:341.39pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Fair value of equity compensation granted and vested in current year&#8201;&#8211;&#8201;value at vesting date </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:341.39pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Fair value of equity compensation granted and outstanding in current year&#8201;&#8211;&#8201;value at year-end</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">&#65279;(1)</font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">1,019,200 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">361,415 </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:341.39pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Change in fair value for end of prior fiscal year to vesting date for awards made in prior fiscal&#160;years that vested during current fiscal year </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">9,720 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2,259 </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:341.39pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Change in fair value from end of prior fiscal year to end of current fiscal year for awards made in prior fiscal&#160;years that were unvested at end of current fiscal year </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">(125,251<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">(16,499<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:341.39pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Dividends or other earnings paid on stock or options awards in the covered </font>
                <br >
                <font style="letter-spacing:0.2pt;">fiscal year prior to the vesting date that are not otherwise included in the total </font>
                <br >
                <font style="letter-spacing:0.2pt;">compensation for the covered fiscal year </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:2.167pt 0pt 1.833pt 0pt; width:341.39pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Fair value of awards forfeited in current fiscal year determined at end of prior fiscal year</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">&#65279;(2)</font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:33.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 1.833pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">(106,804<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:341.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Compensation Actually Paid to PEOs </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:33.75pt; text-align:right; white-space:nowrap;">2,680,210 </td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">909,963</td>
            <td style="padding:0pt;padding-left:2.08pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:5.3pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.41pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.41pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Includes 2024 equity awards to David Rosato valued at grant date </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:3.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Includes forfeited 2024 equity awards to David Rosato valued at grant date </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Financial Performance Measures</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s approach to executive compensation is designed to directly link pay to performance, recognize both corporate and individual performance, promote long-term stock ownership, attract, retain and motivate talented executives, and balance risk and reward while taking into consideration stakeholder feedback as well as market trends and practices. The most important financial measures used by Berkshire in determining performance-based compensation for Berkshire&#8217;s NEOs for the most recently completed fiscal year are: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Operating Return on Tangible Common Equity </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Operating Return on Assets </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.11pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Operating Pre-tax Pre-Provision Net Revenue </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Efficiency Ratio </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.11pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.11pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Net Charge-offs/Average Loans </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The operating measures above are non-GAAP financial measures used in Berkshire&#8217;s incentive compensation plans and are described below. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">56</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:57.52pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Analysis of the Information Presented in the Pay versus Performance Table</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">While Berkshire utilizes several performance measures to align executive compensation with performance, all of those measures are not presented in the Pay versus Performance table. Moreover, Berkshire generally seeks to incentivize long-term performance, and therefore does not specifically align Berkshire&#8217;s performance measures with compensation that is actually paid (as defined by SEC rules) for a particular year. In accordance with Item&#160;402(v) of the SEC&#8217;s Regulation&#160;S-K, Berkshire is providing the following graphic descriptions of the relationships between information presented in the Pay versus Performance table. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Compensation Actually Paid and TSR</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="position:relative;margin-top:10pt; text-align:center; width:456pt;">
          <img src="bc_tsr-4c.jpg" alt="[MISSING IMAGE: bc_tsr-4c.jpg]" height="257" width="597" >
        </div>
        <div style="margin-top:18.69pt; width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Compensation Actually Paid and Net Income</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="position:relative;margin-top:10pt; text-align:center; width:456pt;">
          <img src="bc_netincome-4c.jpg" alt="[MISSING IMAGE: bc_netincome-4c.jpg]" height="257" width="597" >
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">57</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:5.44000000000005pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-style:italic;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Compensation Actually Paid and Operating ROTCE</font><font style="font-style:normal;font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="position:relative;margin-top:10pt; text-align:center; width:456pt;">
          <img src="bc_operatingrotce-4c.jpg" alt="[MISSING IMAGE: bc_operatingrotce-4c.jpg]" height="257" width="597" >
        </div>
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Non-GAAP Reconciliation</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:370.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 2.167pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">(Dollars in thousands)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">December&#160;31,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2024</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">December&#160;31,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2023</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">December&#160;31,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2022</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">GAAP Net income </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">61,003 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">69,598 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">92,533 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <font style="letter-spacing:0.2pt;">Non-GAAP measures </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adj: Fair value adjustments on securities</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(1)</font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2,037 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adj: Loss/(gain) on sale of AFS securities </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">49,937 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">25,057 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">(6<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adj: Net gains on sale of business operations and assets </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">(16,241<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8212; </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adj: Acquisition, restructuring and other </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">9,493 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">6,261 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">8,909 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3.5pt 0pt 2.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adj: Income taxes </font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">(9,319<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">(7,723<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">(2,940<font style="position:absolute;">) </font></td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3.25pt 0pt 2.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net non-operating charges </font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">33,870 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">23,595 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">8,000 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Operating net income (non-GAAP) </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">94,873 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">93,193 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">100,533 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total revenue </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">400,000 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">411,829 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">413,534 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #CCEEFF;padding:3.5pt 0pt 2.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total non-interest expense </font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">296,486 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">301,508 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">288,716 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #CCEEFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #CCEEFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Pre-tax, pre-provision net revenue (PPNR) </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">103,514 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">110,321 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">124,818 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total operating revenue </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">433,696 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">436,886 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">415,565 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:3.5pt 0pt 2.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Operating non-interest expense </font> </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">286,993 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">295,247 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 2.5pt 0pt;border-bottom:1px solid #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">279,807 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 3.25pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Operating pre-tax, pre-provision net revenue (PPNR) </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">146,703 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">141,639 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 2.5pt 0pt;border-bottom:3pt double #000000; min-width:27.75pt; text-align:right; white-space:nowrap;">135,758 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">(dollars in millions, except share related data)</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total average assets </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">11,683 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">11,838 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">11,216 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total average stockholders&#8217; equity </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1,044 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">984 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1,063 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total average tangible stockholders&#8217; equity </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1,027 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">962 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1,036 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Average diluted shares outstanding&#8201;&#8211;&#8201;GAAP (thousands) </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">42,761 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">43,504 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">45,914 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Earnings per share, diluted </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1.43 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">1.60 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2.02 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Plus: Net adjustments per share, diluted </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">0.79 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">0.54 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">0.17 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Adjusted earnings per share, diluted </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2.22 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2.14 </td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:27.75pt; text-align:right; white-space:nowrap;">2.19</td>
            <td style="padding:0pt;padding-left:3.94pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">58</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:457.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:137.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 2.167pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">(Dollars in thousands)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">December&#160;31,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2024</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">December&#160;31,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2023</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">December&#160;31,</font>
                <br >
                <font style="letter-spacing:-0.16pt;">2022</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Performance Ratios</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Return on equity </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">5.84<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">7.07<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">8.70<font style="position:absolute;">% </font></td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Operating return on equity </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">9.09 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">9.47 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">9.46 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Return on tangible common equity </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">6.27 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">7.60 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">9.29 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Operating return on tangible common equity </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">9.56 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">10.05 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">10.07 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Return on assets </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">0.52 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">0.59 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">0.82 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Operating return on assets </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">0.81 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">0.79 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">0.90 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:283.22pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Efficiency ratio </font> </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">63.94 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">63.88 </td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:20.25pt; text-align:right; white-space:nowrap;">64.31</td>
            <td style="padding:0pt;padding-left:11.44pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.5pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Starting in 2023, fair value adjustments on securities are included in operating income.</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">59</font>
          <br >
        </div>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tSMOB">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">SPECIAL MEETING OF BROOKLINE STOCKHOLDERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">This section contains information for Brookline stockholders about the special meeting that Brookline has called to allow Brookline stockholders to consider and vote on the Brookline Merger Proposal, the Brookline Merger-Related Proposal, and the Brookline Adjournment Proposal. This Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:0.2pt;">Prospectus is accompanied by a notice of the Brookline special meeting and a form of proxy card that the Brookline board of directors is soliciting for use by Brookline stockholders at the special meeting and at any adjournments or postponements of the special meeting. </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Date, Time and Place of the Brookline Special Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Brookline Special Meeting is scheduled to be held as follows: </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Date:&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025</font> <br ><font style="letter-spacing:0.2pt;">Time:&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, Eastern time</font> <br ><font style="letter-spacing:0.2pt;">Place: </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Matters to Be Considered</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">At the Brookline Special Meeting, Brookline stockholders will be asked to consider and vote upon the following proposals: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Brookline Merger Proposal. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Brookline Merger-Related Compensation Proposal; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Brookline Adjournment Proposal. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Shares Outstanding and Entitled to Vote; Record Date</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline stockholders of record as of the close of business on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, which is the record date of the Brookline Special Meeting, are entitled to vote at the Brookline Special Meeting and any adjournments or postponements of the Brookline Special Meeting. As of the close of business on the record date, shares of Brookline common stock were outstanding. Each share of Brookline common stock has one vote on each matter presented to stockholders. If your shares are held in &#8220;street name&#8221; by your broker, bank or other nominee and you wish to vote virtually at the Brookline Special Meeting, you will have to obtain a &#8220;legal proxy&#8221; from your broker, bank or other nominee entitling you to vote at the Brookline Special Meeting. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">How to Vote</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">Voting at the Brookline Special Meeting</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you are a stockholder of record and attend the Brookline Special Meeting, you may vote at the Brookline Special Meeting at the designated time during the meeting. You may attend and vote your shares at the Brookline Special Meeting by visiting&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;and entering the 16-digit control number on your proxy card. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">Voting by Proxy for Shares Registered Directly in the Name of the Stockholder</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you hold your shares of common stock in your own name as a holder of record with Broadridge Corporate Issuer Solutions, who we refer to as Broadridge, you may instruct the proxyholders named in the proxy card how to vote your shares of common stock in one of the following ways: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote by Internet</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;You may vote via the Internet by following the instructions on your proxy card. The website for Internet voting is printed on your proxy card. Please have your proxy card in hand. Internet voting is available 24 hours per day until 11:59&#160;p.m., Eastern time, on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025. You will receive a series of instructions that will allow you to vote your shares of common stock. You will also be given the opportunity to confirm that your instructions have been properly recorded. If you vote via the Internet, you do not need to return your proxy card. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote by Telephone</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;You may vote by telephone by calling the toll-free number listed on your proxy card. Telephone voting is available 24 hours per day until 11:59&#160;p.m., Eastern time, on&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;, 2025. When you call, please have your proxy card in hand. You will receive a series of voice instructions </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">60</font>
          <br >
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:6pt;margin-bottom:20pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:30pt; width:426pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">that will allow you to vote your shares of common stock. You will also be given the opportunity to confirm that your instructions have been properly recorded. If you vote by telephone, you do not need to return your proxy card. </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vote by Mail</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If you would like to vote by mail, upon receipt of the proxy card, please mark, sign and date your proxy card and return it promptly to Broadridge, in the postage-paid envelope provided. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">Voting by Proxy for Shares Registered in Street Name</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If your shares of common stock are held by a broker, a bank, or other nominee in &#8220;street name&#8221;, you will receive instructions from your broker, bank or other nominee that you must follow in order to have your shares of common stock voted. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Quorum</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The presence, in person or by proxy, of holders of a majority of all of the shares of Brookline common stock entitled to vote at the Brookline Special Meeting constitute a quorum for the transaction of business at the Brookline Special Meeting. Each share of common stock entitled to vote on the record date is entitled to one vote on each matter properly submitted at the Brookline Special Meeting. Abstentions will be counted for purposes of determining whether a quorum is present for the transaction of business at the Brookline Special Meeting. Broker non-votes would generally be included in determining the presence of a quorum; however, since the Brookline Special Meeting will consider and vote upon only &#8220;non-routine&#8221; matters, broker non-votes will not be included in determining the presence of a quorum. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Vote Required</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Brookline Merger Proposal requires the affirmative vote of the majority of the outstanding shares of capital stock entitled to vote on the proposal. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Brookline Merger-Related Compensation Proposal requires the affirmative vote of a majority of the votes cast at the Brookline Special Meeting. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Approval of the Brookline Adjournment Proposal requires the affirmative vote of a majority of the votes cast at the Brookline Special Meeting. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Abstentions and Broker Non-Votes</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you are a beneficial owner of shares held in a brokerage account and you do not instruct your broker, bank or other agent how to vote your shares, your broker, bank or other agent may still be able to vote your shares in its discretion. Under the rules of NYSE (which in this matter also apply to Nasdaq-listed companies), brokers, banks and other securities intermediaries that are subject to NYSE rules may use their discretion to vote your uninstructed shares on matters considered to be &#8220;routine&#8221; under NYSE rules but not with respect to &#8220;non-routine&#8221; matters. A broker non-vote occurs when a broker, bank or other agent has not received voting instructions from the beneficial owner of the shares and the broker, bank, or other agent cannot vote the shares because the matter is considered &#8220;non-routine&#8221; under NYSE rules. The Brookline Merger Proposal, the Brookline Merger-Related Compensation Proposal, and the Brookline Adjournment Proposal are considered to be &#8220;non-routine&#8221; under NYSE rules such that your broker, bank or other agent may not vote your shares on those proposals in the absence of your voting instructions. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Abstentions are counted for purposes of determining whether a quorum is present. If you &#8220;abstain&#8221; from voting on the Brookline Merger Proposal, it will have the same effect as a vote &#8220;against&#8221; the proposal. If you &#8220;abstain&#8221; from voting for the Brookline Merger-Related Compensation Proposal and the Brookline Adjournment Proposal, it will have the same effect as if your vote was not cast with respect to each such proposal, and this will have no effect on the outcome. A broker non-vote will have the same effect as a vote against the Brookline Merger Proposal. A broker non-vote will have no effect on the outcome of the Brookline Merger-Related Compensation proposal and the Brookline Adjournment Proposal. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">61</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">Revocation of Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">You may revoke your proxy at any time before it has been exercised by: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">filing a written revocation with the Corporate Secretary of Brookline Bancorp, Inc., 131 Clarendon Street, Boston, Massachusetts 02116; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">submitting a new proxy by telephone, or by the Internet, or by submitting a new proxy card after the time and date of the previously submitted proxy card; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">attending the Brookline Special Meeting and voting at the Brookline Special Meeting. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you are a stockholder of record as of the record date attending the Brookline Special Meeting, you may vote in person whether or not a proxy has been previously given, but your presence (without further action) at the Brookline Special Meeting will not constitute revocation of a previously given proxy. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Delivery of Proxy Materials</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As permitted by applicable law, only one copy of this Joint Proxy Statement/Prospectus is being delivered to Brookline stockholders residing at the same address, unless such Brookline stockholders have notified Brookline of their desire to receive multiple copies of the Joint Proxy Statement/Prospectus. Brookline will promptly deliver, upon oral or written request, a separate copy of the joint proxy statement/prospectus to any Brookline stockholder residing at an address to which only one copy of such document was mailed. Requests for additional copies should be directed to Brookline&#8217;s proxy solicitor, Alliance Advisors, LLC, by calling toll-free at&#8199;&#8199;&#8199;&#8199;&#8199;&nbsp;&nbsp;&nbsp;, or via e-mail to&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;. If the Brookline Special Meeting is postponed or adjourned, it will not affect the ability of Brookline stockholders of record as of the Brookline record date to exercise their voting rights or to revoke any previously granted proxy using the methods described above. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Solicitation of Proxies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Brookline board of directors is soliciting these proxies. Brookline will pay the expenses of soliciting proxies to be voted at the Brookline Special Meeting. In addition to sending you this Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:0.2pt;">Prospectus, some of Brookline&#8217;s directors and officers as well as management and non-management employees may contact you by telephone, mail, e-mail, or in person. In addition, Alliance Advisors, LLC, a proxy solicitation firm, will assist Brookline in soliciting proxies for the Brookline Special Meeting. Brookline will pay approximately $20,000, plus expenses, for these services. </font></div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Other Matters to Come Before the Brookline Special Meeting</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Brookline management knows of no other business to be presented at the Brookline Special Meeting, but if any other matters are properly presented to the meeting or any adjournments thereof, the persons named in the proxies will vote upon them in accordance with the Brookline board&#8217;s recommendations. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Questions and Additional Information</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If a Brookline stockholder has questions about the Mergers, or the process for voting, or if additional copies of this document or a replacement proxy card are needed, please contact Brookline&#8217;s proxy solicitor, Alliance Advisors, LLC, by calling toll-free at&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;or via e-mail to&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">62</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN11">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">BROOKLINE PROPOSAL NO. 1</font>
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        <div style="margin-top:6pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">THE BROOKLINE MERGER PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the Merger Agreement, Brookline is asking Brookline stockholders to adopt the Merger Agreement. Details about the Merger Agreement, including each party&#8217;s reasons for the Mergers, the effect of the adoption of the Merger Agreement and the timing of effectiveness of the Mergers, are discussed in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] of this document. A copy of the Merger Agreement is attached to this Joint Proxy Statement/Prospectus as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex A</font><font style="letter-spacing:0.2pt;">. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">After careful consideration, the Brookline board of directors, by a unanimous vote of all directors, approved the Merger Agreement and declared the Merger Agreement and the transactions contemplated thereby, including the Merger, to be advisable and in the best interest of Brookline and Brookline stockholders. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Brookline&#8217;s Reasons for the Merger; Recommendation of Brookline&#8217;s Board of Directors</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] for a more detailed discussion of the Brookline board of directors&#8217; recommendation. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The approval of the Brookline Merger Proposal is a condition to the completion of the Mergers. </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Brookline board of directors unanimously recommends a vote &#8220;FOR&#8221;</font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Brookline Merger Proposal. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">63</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN21">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:272pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BROOKLINE PROPOSAL NO. 2</font>
          <br >
          <font style="letter-spacing:-0.2pt;">THE BROOKLINE MERGER-RELATED COMPENSATION PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="font-style:normal;letter-spacing:0.2pt;">Pursuant to Section&#160;14A of the Exchange Act and Rule&#160;14a-21(c) thereunder, Brookline&#8217;s board of directors is providing stockholders with the opportunity to cast a non-binding advisory vote on the compensation that may be paid or become payable to Brookline&#8217;s named executive officers, as summarized in the table under the caption &#8220;</font><font style="letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8201;&#8212;&#8201;&#8201;Interests of Brookline&#8217;s Directors and Executive Officers in the Mergers&#8201;&#8201;&#8212;&#8201;&#8201;Quantification of Potential Payments and Benefits to Brookline&#8217;s Named Executive Officers&#8221;</font><font style="font-style:normal;letter-spacing:0.2pt;"> beginning on page [&#8199;&#8199;] of this document. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Accordingly, at the Brookline Special Meeting, Brookline is asking its stockholders to approve, on a non-binding advisory basis, the following resolution: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;RESOLVED, that the compensation that will or paid or may become payable to the Brookline named executive officers in connection with the merger, as disclosed in the table under the caption &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8201;&#8212;&#8201;&#8201;Interests of Brookline&#8217;s Directors and Executive Officers in the Mergers&#8201;&#8201;&#8212;&#8201;&#8201;Quantification of Potential Payments and Benefits to Brookline&#8217;s Named Executive Officers</font><font style="letter-spacing:0.2pt;">&#8221; in the Joint Proxy Statement/Prospectus in accordance with Item&#160;402(t) of Regulation&#160;S-K, including the associated narrative discussion, and the agreements or understandings pursuant to which such compensation may be paid or become payable, is hereby APPROVED.&#8221; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The advisory vote on the Brookline Merger-Related Compensation Proposal is a vote separate and distinct from the vote on Brookline Merger Proposal. Because the vote is advisory in nature only, it will not be binding on Brookline, regardless of whether the Brookline Merger Proposal is approved. Accordingly, as the compensation to be paid in connection with the Mergers is a contractual obligation to the named executive officers of Brookline, regardless of the outcome of this advisory vote, such compensation will be payable if the Merger Agreement is adopted and the Mergers are completed, subject only to the contractual conditions applicable to such payment. </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The Brookline board of directors unanimously recommends a vote &#8220;FOR&#8221;</font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Brookline Merger-Related Compensation Proposal. </font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">64</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tBPN31">&#8203;</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-bottom:500pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:-0.2pt;">BROOKLINE PROPOSAL NO. 3</font>
          <br >
          <font style="letter-spacing:-0.2pt;">THE BROOKLINE ADJOURNMENT PROPOSAL</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">If there are insufficient proxies at the time of the Brookline Special Meeting to approve the Brookline Merger Proposal, Brookline stockholders may be asked to vote on a proposal to adjourn the meeting to a later date to allow additional time to solicit additional proxies. Brookline&#8217;s board of directors does not currently intend to propose adjournment at the Brookline Special Meeting if there are sufficient votes to approve the Brookline Merger Proposal. </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:-0.2pt;">The Brookline board of directors unanimously recommends a vote &#8220;FOR&#8221;</font>
          <br >
          <font style="letter-spacing:-0.2pt;">approval of the Brookline Adjournment Proposal.</font>
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      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">65</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tDOTM">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">DESCRIPTION OF THE MERGERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-style:italic;">
          <font style="letter-spacing:0.2pt;">The following summary of the Merger Agreement and the Mergers is qualified by reference to the complete text of the Merger Agreement. A copy of the Merger Agreement is attached as Annex A to this document and is incorporated by reference into this document. You should read the Merger Agreement completely and carefully as it, rather than this description, is the legal document that governs the Mergers</font><font style="font-style:normal;letter-spacing:0.2pt;">. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Explanatory Note Regarding the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement and this summary of terms are included to provide you with information regarding the terms of the Merger Agreement. Factual disclosures about Berkshire and Brookline contained in this Joint Proxy Statement/Prospectus or in the public reports of Berkshire or Brookline filed with the SEC may supplement, update or modify the factual disclosures about Berkshire and Brookline contained in the Merger Agreement. The Merger Agreement contains representations and warranties by Berkshire and Commerce Acquisition Sub, Inc., on the one hand, and by Brookline, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the Merger Agreement by Berkshire and Brookline were qualified and subject to important limitations agreed to by Berkshire and Brookline in connection with negotiating the terms of the Merger Agreement. In particular, in your review of the representations and warranties contained in the Merger Agreement and described in this summary, it is important to bear in mind that the representations and warranties were negotiated with the principal purpose of establishing circumstances in which a party to the Merger Agreement may have the right not to consummate the Mergers if the representations and warranties of the other party prove to be untrue due to a change in circumstance or otherwise, and allocating risk between the parties to the Merger Agreement, rather than establishing matters as facts. The representations and warranties also may be subject to a contractual standard of materiality different from that generally applicable to stockholders and reports and documents filed with the SEC, and some were qualified by the matters contained in the confidential disclosure schedules that Berkshire and Brookline each delivered in connection with the Merger Agreement and certain documents filed with the SEC. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this Joint Proxy Statement/Prospectus, may have changed since the date of the Merger Agreement. Accordingly, the representations and warranties in the Merger Agreement should not be relied on by any persons as characterizations of the actual state of facts about Berkshire and Brookline at the time they were made or otherwise and should be read only in conjunction with the other information provided elsewhere in this Joint Proxy Statement/Prospectus or incorporated by reference into this Joint Proxy Statement/Prospectus. Please see the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Where You Can Find More Information</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;&#8199;]. </font>
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          <font style="letter-spacing:-0.2pt;">General</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Under the Merger Agreement, Merger Sub will merge with and into Brookline, with Brookline as the surviving corporation, immediately followed by the merger of Brookline with and into Berkshire, with Berkshire as the surviving corporation. Immediately following the Mergers, Berkshire Bank, the wholly-owned subsidiary of Berkshire, and two of Brookline&#8217;s banking subsidiaries, PCSB Bank and Bank Rhode Island, will merge with and into Brookline Bank, a wholly-owned subsidiary of Brookline, with Brookline Bank as the surviving bank. </font>
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          <font style="letter-spacing:-0.2pt;">Consideration to be Received in the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">When the Mergers become effective, each share of Brookline common stock issued and outstanding immediately before completion of the Mergers will automatically be converted into the right to receive 0.42&#160;shares of Berkshire common stock, plus cash in lieu of any fractional share, without interest. </font>
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          <font style="letter-spacing:0.2pt;">Berkshire will not issue any fractional shares of Berkshire common stock in the Mergers. Berkshire will pay to each former Brookline stockholder who holds fractional shares an amount in cash determined by multiplying the average of the closing sale prices of Berkshire common stock for the ten full consecutive trading days ending on the day preceding the closing date of the Mergers by the fraction of a share (rounded to the nearest cent) of Berkshire common stock that such stockholder would otherwise be entitled to receive. </font>
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          <font style="letter-spacing:-0.2pt;">Background of the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The Brookline board, the Berkshire board and the respective senior management teams of Brookline and Berkshire regularly review the performance, strategy, competitive position, opportunities and prospects of their respective companies, as part of their goals and efforts to enhance value for their respective stockholders and to deliver the best possible products and services to their respective customers and communities. These reviews have included consideration of, among other things, the then-current business, economic and regulatory environments, as well as developments in the banking and financial services industries and the opportunities and challenges facing participants in those industries generally, and for Brookline and Berkshire in particular. These reviews have also included assessments of ongoing consolidation in the financial services industry and consideration of, and discussions with other companies regarding, potential strategic transactions, including business combinations, as well as the benefits and risks of continued operations as standalone companies, all with the goal of furthering the companies&#8217; strategic objectives and enhancing stockholder value. </font>
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          <font style="letter-spacing:0.2pt;">As part of its business strategy and objectives, Brookline has been an active participant in the mergers and acquisitions market, having completed four whole bank acquisitions since Mr.&#160;Perrault&#8217;s tenure began in 2009 as President and Chief Executive Officer, and since 2021 as Chairman and Chief Executive Officer. As a result, the Brookline board and members of Brookline&#8217;s senior management, from time to time with assistance from outside advisors, have regularly reviewed potential acquisition and business combination opportunities, and Mr.&#160;Perrault has had, from time to time, informal discussions with representatives of other financial institutions, including Berkshire, relating to potential strategic matters, including possible business combination opportunities, and has regularly updated the Brookline board regarding such discussions. </font>
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          <font style="letter-spacing:0.2pt;">As part of its business strategy and objectives, Berkshire has been an active participant in the mergers and acquisitions market for twenty&#160;years, having completed ten whole bank acquisitions and the purchase of twenty former Bank of America branches since 2005. As a result, the Berkshire board and members of Berkshire&#8217;s senior management, from time to time with assistance from outside advisors, have regularly reviewed potential acquisition and business combination opportunities, and Nitin J. Mhatre, the Chief Executive Officer of Berkshire, and his predecessor CEOs have had, from time to time, informal discussions with representatives of other financial institutions, including Brookline, relating to potential strategic matters, including possible business combination opportunities, and have regularly updated the Berkshire board regarding such discussions. </font>
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          <font style="letter-spacing:0.2pt;">On February&#160;28, 2024, a director of Berkshire, Mary Anne Callahan, with the approval and support of David M. Brunelle, Berkshire&#8217;s Board Chair, and Mr.&#160;Mhatre, reached out to Mr.&#160;Perrault to discuss the overall operations and strategic plans of both companies, including a potential merger of equals between Berkshire and Brookline. Mr.&#160;Perrault indicated that Brookline would be open to the conversation. In March and April&#160;2024, a number of conversations took place between Mr.&#160;Perrault and Mr.&#160;Brunelle about a potential transaction between Berkshire and Brookline. On April&#160;4, 2024, Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;Brunelle, Ms.&#160;Callahan, Mr.&#160;Mhatre, and Mr.&#160;Gray met to discuss the potential corporate governance and management framework of the combined institution if Berkshire and Brookline were to come together in a merger of equals. Through April and May&#160;2024, following additional conversations between Mr.&#160;Perrault, Mr.&#160;Brunelle and Mr.&#160;Mhatre, Berkshire and Brookline continued to explore on a preliminary basis a potential merger of equals transaction with Berkshire where Mr.&#160;Perrault would be Chief Executive Officer of the combined institution. </font>
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          <font style="letter-spacing:0.2pt;">At a Berkshire board dinner held on April&#160;30, 2024, ahead of Berkshire&#8217;s regularly scheduled board meeting the next day, Mr.&#160;Brunelle and Mr.&#160;Mhatre reported to the Berkshire board on the discussions with Brookline to date concerning a possible merger of equals with Brookline. On May&#160;16, 2024, during a regularly scheduled meeting of Berkshire&#8217;s board following Berkshire&#8217;s annual meeting of stockholders, Mr.&#160;Mhatre shared with the Berkshire board a preliminary analysis concerning a potential merger of equals with Brookline that had been prepared by a third-party investment banking firm with the assistance of Berkshire management. The Berkshire board discussed this preliminary analysis of the potential merger of equals with Brookline and directed Mr.&#160;Mhatre to request a more detailed analysis concerning the projected financial and competitive benefits, operating efficiencies and business synergies that might result from a potential merger of equals with Brookline in comparison to Berkshire&#8217;s potential growth trajectory and financial results over the next three&#160;years if it remained independent, as well as preliminary information </font>
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          <font style="letter-spacing:0.2pt;">concerning other hypothetical strategic transactions that Berkshire might consider over the same time period with other northeast financial institutions in overlapping or adjoining markets. </font>
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          <font style="letter-spacing:0.2pt;">On May&#160;20, 2024, the Berkshire board held a special meeting at which the third-party investment banking firm and management presented a more detailed analysis in response to the Berkshire board&#8217;s request for additional review and evaluation. At such meeting, the Berkshire board concluded that a transaction combining Berkshire and Brookline in a successfully executed merger of equals had the potential to produce compelling financial upside for the stockholders of Berkshire, and that a resulting entity combining the best aspects of both franchises with over $20&#160;billion in assets would be favorably positioned to compete as a strong player in key northeast markets and better serve both companies&#8217; clients and communities. The Berkshire board also determined that an appropriately structured merger of equals with Brookline would likely be able to produce better and more sustainable long-term financial results and increased stockholder value for Berkshire stockholders in comparison to Berkshire&#8217;s expected performance metrics and growth on a continuing stand-alone basis. The Berkshire board also considered that the other potential strategic partners discussed were only theoretical at this stage and were unlikely to be as advantageous of an operational and management fit as an appropriately structured merger of equals with Brookline would be. </font>
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          <font style="letter-spacing:0.2pt;">On May&#160;23, 2024, the independent directors of Berkshire held a special meeting at which they further discussed, among other things, the more detailed information and preliminary analysis presented at the May&#160;20</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;"> board meeting, the intricacies of successfully negotiating and executing a merger of equals and Brookline&#8217;s stated proposal that Mr.&#160;Perrault be the Chief Executive Officer of the resulting post-merger entity. At the conclusion of the meeting, the independent directors determined that it would be appropriate to appoint a special committee consisting of independent directors Sylvia Maxfield, who would serve as the committee&#8217;s Chairperson, Mr.&#160;Brunelle, Ms.&#160;Callahan, Nina A. Charnley and Eric S. Rosengren (the &#8220;Berkshire Special Committee&#8221;), to lead a thorough investigation and analysis of a potential merger of equals with Brookline, exclusively negotiate the potential terms of such a transaction with Brookline, retain such legal, financial and other advisors as the committee deemed necessary and appropriate to assist it in its work, and report back to the full board as necessary on the progress of the committee&#8217;s investigation and negotiations. On May&#160;28, the Berkshire board adopted resolutions by unanimous written consent to appoint and empower the Berkshire Special Committee as described, effective as of May&#160;23, 2024. </font>
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          <font style="letter-spacing:0.2pt;">On May&#160;28, 2024, the Berkshire Special Committee held its first meeting. Also present at that meeting were Mr.&#160;Prescott and a representative of Luse Gorman, PC (&#8220;Luse Gorman&#8221;), legal counsel to the Berkshire Special Committee. Luse Gorman advised the Berkshire Special Committee regarding the scope of its and the board&#8217;s fiduciary responsibilities and role under the enabling resolution approved by the Berkshire board and provided a detailed overview of how the process for investigating, negotiating and reaching an agreement for a merger of equals would typically be expected to occur, including procedures and timing. Mr.&#160;Mhatre later joined the meeting and reported that another institution he had been in contact with had confirmed they were not interested in pursuing any discussions with Berkshire regarding possible strategic transactions at that time, and that there were no active discussions with any other financial institutions concerning other possible transactions. </font>
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          <font style="letter-spacing:0.2pt;">Also beginning in late May&#160;2024, members of the Brookline management team, consisting of Mr.&#160;Perrault, Mr.&#160;Carlson and Mr.&#160;McCurdy, regularly met with Mr.&#160;Brunelle and with Mr.&#160;Gray, who had been designated by the Berkshire Special Committee as Berkshire&#8217;s management representative to lead Berkshire&#8217;s investigation and detailed due diligence review of the potential merger of equals transaction with Brookline, to discuss how a combined institution might operate on a go-forward basis, given Brookline&#8217;s more decentralized operating approach across its markets. </font>
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          <font style="letter-spacing:0.2pt;">On June&#160;3, 2024, Mr.&#160;Perrault presented to Mr.&#160;Brunelle and Mr.&#160;Mhatre a non-binding term sheet outlining certain aspects of a potential merger of equals between the parties, consistent with the parties&#8217; preliminary discussions to date. The term sheet proposed that, among other terms, Berkshire would be the legal acquiror and Brookline would be the accounting acquiror, in an all-stock transaction with a fixed exchange ratio of 0.4365 shares of Berkshire stock in exchange for each share of Brookline stock, each of Berkshire and Brookline would name seven board members to a new 14-member board of directors, Mr.&#160;Brunelle would be Chairman of the Board, and Mr.&#160;Perrault would be Chief Executive Officer and a director of the combined company. </font>
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          <font style="letter-spacing:0.2pt;">On June&#160;7, 2024, the Berkshire Special Committee met, with Luse Gorman in attendance, and began by discussing the available options for investment banking firms that could serve as Berkshire&#8217;s financial advisors in the potential merger of equals transaction with Brookline. After the committee&#8217;s opening discussion, representatives of Raymond James &amp; Associates Inc. joined the meeting and gave a presentation concerning Raymond James&#8217; preliminary analysis of a possible merger of equals with Brookline, how merger of equals transactions typically proceed, and how Raymond James could support Berkshire and its Special Committee in its investigation and negotiations with Brookline. The Berkshire Special Committee met again in the morning of June&#160;10, 2024 with Luse Gorman in attendance, and continued its discussion of investment banking firms before agreeing unanimously to recommend the hiring of Raymond James to the full Berkshire board. </font>
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          <font style="letter-spacing:0.2pt;">In the evening of June&#160;10, 2024, the Berkshire board held a special meeting with Mr.&#160;Prescott and a representative of Luse Gorman present at which Dr.&#160;Maxfield, on behalf of the Berkshire Special Committee, described the terms of Brookline&#8217;s June&#160;3</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">rd</font><font style="letter-spacing:0.2pt;"> non-binding term sheet (which had been previously circulated to the full Berkshire board), and reported on the Committee&#8217;s conversations with representatives of Raymond James and its consideration of other firms to serve as Berkshire&#8217;s investment banker and financial advisor for the potential merger of equals transaction with Brookline, confirmed the committee&#8217;s choice and recommendation for hiring Raymond James and described the terms of Raymond James&#8217; proposed engagement. After discussion, the full board accepted the Berkshire Special Committee&#8217;s recommendation and approved the retention of Raymond James to serve as Berkshire&#8217;s investment banker and financial advisor, and also ratified the selection of Luse Gorman as Berkshire&#8217;s legal advisor in connection with the proposed transaction with Brookline. The Berkshire board also discussed Brookline&#8217;s non-binding term sheet and although the Berkshire board felt that the exchange ratio of 0.4365x proposed by Brookline was too high based on the information and analysis available at that time, the Berkshire board confirmed that the Berkshire Special Committee should proceed with its investigation and negotiation of terms for the potential merger of equals transaction with Brookline. </font>
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          <font style="letter-spacing:0.2pt;">The Berkshire Special Committee next met on June&#160;14, 2024, joined by Mr.&#160;Mhatre, Mr.&#160;Prescott, and representatives of Luse Gorman and Raymond James. Raymond James presented a comprehensive analysis of a potential merger of equals with Brookline that was prepared with the management of Berkshire and included, among other things detailed overviews of recent mergers of equals in the financial services industry and of Brookline itself, and a proforma analysis of the proposed Berkshire-Brookline merger of equals based on Brookline&#8217;s June&#160;3</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">rd</font><font style="letter-spacing:0.2pt;"> non-binding term sheet. The Berkshire Special Committee, joined by Mr.&#160;Mhatre, discussed with Luse Gorman and Raymond James next steps in conducting a thorough investigation, including comprehensive due diligence reviews of Brookline&#8217;s financial condition, business operations, risk management processes and asset quality, and pro&#160;forma financial projections. </font>
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          <font style="letter-spacing:0.2pt;">On June&#160;19, 2024, in light of the continued interest of Brookline and Berkshire in pursuing a transaction, Brookline and Berkshire entered into a mutual confidentiality and exclusivity agreement (referred to as the &#8220;confidentiality agreement&#8221;) in order to facilitate further discussion by allowing for the sharing of non-public information between the parties and ultimately for detailed reciprocal due diligence. The confidentiality agreement also provided for transaction exclusivity, under which neither Brookline and Berkshire would pursue a business combination transaction with another party for 60&#160;days. The confidentiality agreement also included customary standstill provisions applicable to each of Brookline and Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">Throughout June and July&#160;2024, Mr.&#160;Perrault kept the Brookline board informed and apprised of the status of the ongoing discussions surrounding the potential merger with Berkshire. In June&#160;2024, Hovde Group LLC was formally engaged as Brookline&#8217;s financial advisor. </font>
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          <font style="letter-spacing:0.2pt;">In July&#160;2024, the parties began a formal and extensive due diligence process with the exchange and review of documents. The due diligence process continued until the signing of the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">On July&#160;10, 2024, July&#160;22, 2024, and again on August&#160;7, 2024, Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy, Mr.&#160;Gray, and representatives from Hovde and Raymond James met to discuss the potential transaction with Mr.&#160;Prescott attending the August&#160;7 meeting. </font>
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          <font style="letter-spacing:0.2pt;">Throughout June and July, Berkshire management and Raymond James regularly kept the Berkshire Special Committee informed of the progress of the ongoing discussions and mutual due diligence </font>
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          <font style="letter-spacing:0.2pt;">investigations between Berkshire and Brookline. The Berkshire Special Committee met with Mr.&#160;Mhatre, Mr.&#160;Prescott, and representatives of Luse Gorman and Raymond James on July&#160;26, 2024, to receive an updated presentation from Raymond James concerning its financial modeling and analysis of the potential merger of equals with Brookline. Dr.&#160;Maxfield then shared this update with the independent directors on the Berkshire board during executive session at the board&#8217;s regularly scheduled meeting on August&#160;1, 2024. </font>
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          <font style="letter-spacing:0.2pt;">On August&#160;15, 2024, Brookline and Berkshire agreed to extend the term of the confidentiality agreement for another 60&#160;days. In early September, as part of its due diligence of Berkshire, Brookline began a review of Berkshire&#8217;s loan files. </font>
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          <font style="letter-spacing:0.2pt;">On August&#160;20, 2024, the Berkshire Special Committee engaged RP Financial, LC. to provide an independent contribution analysis to assist the Berkshire Special Committee in evaluating the merits of the potential merger of equals with Brookline. This contribution analysis was delivered to the Berkshire Special Committee on August&#160;28, 2024, and was generally consistent with the contribution analysis provided to Berkshire by Raymond James. </font>
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          <font style="letter-spacing:0.2pt;">On September&#160;11, 2024, the Berkshire board held its annual meeting to review the Company&#8217;s three-year strategic plan and profitability projections. The meeting was also attended by Mr.&#160;Gray, Mr.&#160;Prescott and other representatives of Berkshire senior management, as well as representatives of Luse Gorman and Raymond James. At this meeting, the Berkshire board discussed the updated overview of where the potential merger of equals with Brookline stood as to current financial projections and potential pricing of the exchange ratio to be offered to Brookline stockholders, factoring in any estimated fair value merger adjustments against Berkshire&#8217;s balance sheet (as the legal acquiror but the accounting &#8220;target&#8221; for purposes of the expected merger accounting treatment) and any additional capital raise, and discussed Berkshire management&#8217;s latest projections for future results of standalone operations and financial performance, if no deal were consummated with Brookline. The Berkshire board conducted an extensive discussion with its management team and financial and legal advisors on both topics, and the independent directors further met in executive session to continue such discussion among themselves. The Berkshire board determined that the Berkshire Special Committee should continue to press ahead with its investigation of and negotiations for a potential merger of equals with Brookline. </font>
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          <font style="letter-spacing:0.2pt;">On September&#160;23, 2024, Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy, Mr.&#160;Gray, and representatives from Hovde and Raymond James met to discuss the potential transaction. </font>
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          <font style="letter-spacing:0.2pt;">On September&#160;25, 2024, Mr.&#160;Perrault provided the Brookline board with a status update on the due diligence process during the executive session of the board&#8217;s regular meeting. On September&#160;26, 2024, Mr.&#160;Perrault and Mr.&#160;Brunelle met to discuss the potential transaction. On September&#160;30, 2024, and again on October&#160;7, 2024, Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy, Mr.&#160;Gray and representatives from Hovde and Raymond James, with Mr.&#160;Prescott joining on October&#160;7th, met to discuss the potential transaction, including a potential capital raise by Berkshire and the amount and type of equity to be raised by Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;15, 2024, Brookline and Berkshire agreed to extend the term of the confidentiality agreement for another 60&#160;days. Also on October&#160;15, 2024, and again on October&#160;17, 2024, Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy, Mr.&#160;Meiklejohn, Mr.&#160;Gray, Mr.&#160;Prescott and representatives from Hovde and Raymond James met to discuss the potential transaction. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;18, 2024, members of the Berkshire Special Committee, Mr.&#160;Gray, Mr.&#160;Prescott, Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy, Mr.&#160;Meiklejohn, and representatives from Hovde and Raymond James met to discuss the potential transaction. After the Brookline management team and their representatives from Hovde left the meeting, the Berkshire Special Committee, as well as Mr.&#160;Gray, Mr.&#160;Prescott and representatives of Raymond James, met with representatives from Cobblestone Management LLC (&#8220;Cobblestone&#8221;), an independent third-party loan review firm, to discuss the results of their review and report of Brookline&#8217;s consolidated commercial and consumer loan portfolio and credit risk management processes across all of it subsidiary banks and special lending company. After the Cobblestone report, the Berkshire Special Committee continued meeting with Mr.&#160;Gray, Mr.&#160;Prescott and representatives of Raymond James, to further discuss the potential merger of equals with Brookline, including financial and operational efficiencies, targeted costs saves that could be achieved and where indicative pricing for the exchange ratio of Berkshire shares for Brookline shares might fall based on current market conditions, while still meeting Berkshire&#8217;s desired parameters for the earnback period for the proposed transaction. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;23, 2024, the Brookline board met in executive session as part of its regular meeting. Representatives from Hovde were present. Mr.&#160;Perrault provided the Brookline board with an overview of the current status of the due diligence process, details of the proposed transaction, and an overview of the proposed management team of the combined organization. Representatives from Hovde provided the Brookline board with an overview of potential financial considerations for the transaction, including an exchange ratio analysis, the financial metrics for the transaction, transaction assumptions, the pro&#160;forma combined entity&#8217;s metrics, and the year to date stock price performance of each entity. Representatives from Hovde also discussed Berkshire&#8217;s proposed capital raise. The Hovde pro&#160;forma analysis showed an implied exchange ratio of 0.4171x based on stock prices on October&#160;16, 2024, and a range of assumptions including a maximum tangible book value earn-back period of three&#160;years based on the crossover method. On October&#160;29, 2024, Mr.&#160;Carlson, Mr.&#160;Gray, Brett Brbovic, Berkshire&#8217;s Chief Financial Officer, and representatives from Hovde and Raymond James met to discuss cost savings and merger charges assumptions in the potential transaction. </font>
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          <font style="letter-spacing:0.2pt;">On October&#160;29, 2024, the Berkshire Special Committee met with Mr.&#160;Carlson to review Brookline&#8217;s financial condition and recent quarterly results and to discuss Mr.&#160;Carlson&#8217;s current modeling and assumptions concerning the final structure of the proposed merger of equals transaction and resulting institution as the prospective CFO of the combined entity. Mr.&#160;Gray, Mr.&#160;Prescott, and representatives of Raymond James and Hovde also attended the meeting. Among the topics discussed by the Berkshire Special Committee with Mr.&#160;Carlson were capital levels and ratios at both companies and projected for the combined organization, the benefits of a capital raise and the means and timing for when to do so, the pro&#160;forma resulting balance sheet for the combined organizations, and consideration of pre-closing opportunities to make adjustment to the same, including scenarios for potential balance sheet restructuring. Mr.&#160;Carlson also commented on the importance of protecting and growing the combined institution&#8217;s deposit base and his overall philosophy for managing the corporate balance sheet and financial risk profile. After Mr.&#160;Carlson and the Hovde representative left the meeting, the Berkshire Special Committee continued to discuss Mr.&#160;Carlson&#8217;s presentation and comments, as well as the overall status of due diligence and financial modelling and the latest pricing discussions between the two parties and their financial advisors. </font>
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          <font style="letter-spacing:0.2pt;">At a Berkshire board dinner held on October&#160;30, 2024, ahead of the Berkshire board&#8217;s regularly scheduled meeting the next day, Dr.&#160;Maxfield and the Berkshire Special Committee provided a detailed update of the status of the potential merger of equals with Brookline. The Berkshire board continued its discussion of the potential transaction in an executive session of the independent directors at the Berkshire board meeting on October&#160;31, 2024. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;5, 2024, the Berkshire board had a call with Luse Gorman to review the board&#8217;s fiduciary duties and obligations to Berkshire and its stockholders in the context of evaluating a potential merger of equals and other matters, including projected next steps to complete a mutually-agreed upon definitive merger agreement, communications with Berkshire&#8217;s regulators, and various means for completing a capital raise either simultaneously with or after a deal announcement. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;7, 2024, representatives of Luse Gorman provided an initial draft of a definitive merger agreement to representatives of Goodwin Procter LLP (&#8220;Goodwin Procter&#8221;), legal counsel to Brookline. Thereafter, through December&#160;15, 2024, Brookline and Berkshire and their respective outside legal advisors negotiated the proposed merger agreement, including a proposed amendment to the Berkshire charter to increase authorized shares and proposed amendments to the Berkshire bylaws that would, among other things, provide for various post-closing corporate governance arrangements for the combined company which would be attached as an exhibit to the merger agreement and adopted by Berkshire at the effective time of the merger, and certain ancillary agreements. The bylaws amendment included a provision that for a two-year period following the effective date of the merger, (i)&#160;Mr.&#160;Brunelle would serve as Chairman of the Board, (ii)&#160;the removal of Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;Gray, Mr.&#160;McCurdy and Mr.&#160;Meiklejohn as President and Chief Executive Officer, Chief Financial and Strategy Officer, Chief Operations Officer, Chief Banking Officer and Chief Credit Officer, respectively, of the combined company, would require the affirmative vote of at least two-thirds of the members of the board, and (iii)&#160;the affirmative vote of at least two-thirds of the board would be required to approve any merger or consolidation of Berkshire with and into any other corporation. The negotiations by the parties and their respective advisors with respect to the merger agreement included, among other things, representations and warranties of the parties, interim operating </font>
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          <font style="letter-spacing:0.2pt;">covenants, termination provisions and termination fees. Employment-related agreements with Messrs. Perrault and Gray, and post-closing employee matters, were also negotiated and agreed upon. Reciprocal due diligence continued in parallel with the negotiation of the transaction agreements during this time. </font>
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          <font style="letter-spacing:0.2pt;">The Berkshire board met on November&#160;8, 2024, with representatives of Luse Gorman in attendance, to discuss governance and management succession matters related to the potential merger of equals transaction and continue its review and comparison of the projected financial benefits of the proposed transaction with Brookline versus expectations for Berkshire&#8217;s projected future standalone performance. The Berkshire board also discussed the process and prospects for completing a $100&#160;million capital raise contemporaneously with the final negotiations and announcement of a definitive merger agreement with Brookline, and the projected impact of such capital on Berkshire&#8217;s balance sheet and possible alternative uses thereof by Berkshire, if a Berkshire-Brookline merger of equals was not completed. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;13, 2024, Mr.&#160;Brunelle and Mr.&#160;Perrault met to discuss the potential transaction. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;18, 2024, the Brookline board held a special meeting at which representatives of Hovde and Goodwin Procter were present. Representatives from Hovde provided an updated overview of potential financial considerations for the transaction, including an exchange ratio analysis, contribution analysis, the financial metrics for the transaction, transaction assumptions, the pro&#160;forma combined entity&#8217;s metrics, the year to date stock price of each entity, and an analysis which showed an implied exchange ratio of 0.4265x assuming among other assumptions a three-year tangible book value earn-back based on the crossover method. Goodwin Procter advised the Brookline board on its fiduciary duties, and discussion ensued regarding the combined company&#8217;s board structure, proposed bylaw amendments, and equity plan, as well as the likely regulatory process. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;19, 2024, the independent members of the Berkshire board met for a further discussion of the potential transaction with Brookline and discussed an updated financial analysis prepared by management and Raymond James which contained various pricing and exchange ratio scenarios. The focus of the meeting was on the appropriate exchange ratio for Berkshire stock to be offered to Brookline stockholders. The Berkshire independent directors came to a consensus that the Berkshire Special Committee should continue to target an exchange ratio at or near 0.41x. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;22, 2024, the Berkshire Special Committee met with representatives of Raymond James&#8217; capital markets team to discuss the process and prospects for completing a $100&#160;million capital raise by Berkshire to be announced simultaneously with the completion of a definitive merger agreement between Berkshire and Brookline by mid-December. Raymond James presented detailed information concerning the capital raise process, including expected pricing ranges and potential lead investors. At the end of the meeting, the Berkshire Special Committee determined that Raymond James should make preparations to initiate the $100&#160;million capital raise in the first week of December, but also instructed Raymond James to advise Brookline that no such capital raise would be launched unless and until Berkshire and Brookline had reached a final agreement on the exchange ratio pricing for the merger of equals transaction. After the special meeting, representatives of Berkshire reached out to representatives of Brookline to renew discussions on the exchange ratio based upon due diligence to date. </font>
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          <font style="letter-spacing:0.2pt;">On November&#160;23, 2024, Brookline representatives proposed an exchange ratio of 0.4228x, which implied a market premium for Brookline based on stock prices at the close on November&#160;22, 2024 of 4.75%. On November&#160;24, 2024, Berkshire representatives countered with a proposal for a market-for-market transaction exchange ratio implying no market premium, which, based on stock prices at the close on November&#160;22, 2024, implied a 0.4036x exchange ratio. Brookline representatives reiterated the proposed 0.4228x exchange ratio, and on November&#160;26, 2024, Berkshire representatives countered with a 0.4130x exchange ratio. On November&#160;29, 2024, Brookline representatives countered with a 0.42x exchange ratio, which was accepted by Berkshire&#8217;s Special Committee after a meeting and question and answer session with Mr.&#160;Carlson. </font>
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          <font style="letter-spacing:0.2pt;">On December&#160;4, 2024, Berkshire&#8217;s board held a special meeting to review and discuss the Berkshire Special Committee&#8217;s report and recommendations on the final pricing for the proposed merger of equals with Brookline at an exchange ratio of 0.42x, the remaining items to be completed in the definitive merger agreement and Raymond James&#8217; expectations for the success to the $100&#160;million capital raise that was being </font>
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          <font style="letter-spacing:0.2pt;">prepared to commence. After extended discussion and due consideration, the Berkshire board voted unanimously to (i)&#160;approve the initiation the $100&#160;million capital raise, with completion of the capital raise being subject to further approval by the Berkshire board depending upon final pricing obtained for the capital raise and the completion and simultaneous announcement of the definitive merger agreement with Brookline, (ii)&#160;approve the final pricing for the merger of equals with Brookline at a fixed exchange ratio of 0.42x, and (iii)&#160;appoint a pricing committee comprised of Mr.&#160;Brunelle, Ms.&#160;Callahan and Dr.&#160;Maxfield (the &#8220;Berkshire Pricing Committee&#8221;) to review and consider the results of Raymond James&#8217; outreach to potential investors to price and sell orders for the $100&#160;million capital raise. </font>
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          <font style="letter-spacing:0.2pt;">On December&#160;11, 2024, at the Brookline board&#8217;s regular meeting, the Brookline board went into executive session at which members of management and representatives from Hovde and Goodwin Procter were invited. Representatives of Hovde provided an update on the proposed transaction analysis, including the proposed exchange ratio of 0.42 and the pro&#160;forma merger analysis, as well as the progress of Berkshire&#8217;s capital raise. Discussion ensued about the proposed exchange ratio. Representatives of Hovde also reviewed the historical stock price performance of Berkshire and Brookline for the 12-month period ending December&#160;5, 2024 as well as since November&#160;5, 2024, and other financial and valuation metrics. Goodwin Procter advised the Brookline board on its fiduciary duties in connection with the transaction. Goodwin Procter then provided a detailed review of the terms of the proposed merger agreement, including the various representations and warranties of the parties, the covenants affecting the businesses of the parties between signing of the merger agreement and the transaction&#8217;s closing, the conditions to the transaction&#8217;s closing and the merger agreement&#8217;s termination provisions, including the break-up fee payable under certain circumstances. </font>
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          <font style="letter-spacing:0.2pt;">On December&#160;14, 2024, the Berkshire Pricing Committee met with representatives of Raymond James&#8217; capital markets group with members of management to review and consider the results of Raymond James&#8217; outreach to potential investors to price and sell orders for the $100&#160;million capital raise. After discussion and due consideration, Berkshire&#8217;s Pricing Committee accepted Raymond James&#8217; recommendation to accept a book of orders from multiple accredited investors for the full capital raise target at a price of $29.00 per share of Berkshire stock, and agreed to forward a recommendation for these terms to complete the capital raise to Berkshire&#8217;s full Board for final approval in conjunction with final approval of the pending definitive agreement for the proposed merger of equals transaction between Berkshire and Brookline. </font>
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          <font style="letter-spacing:0.2pt;">Also on December&#160;14, 2024, the </font><font style="font-style:italic;letter-spacing:0.2pt;">Wall Street Journal</font><font style="letter-spacing:0.2pt;"> published an article stating that Brookline and Berkshire were in talks to merge. That evening, the chief executive officer of another public bank holding company, Company A, left a phone message with Mr.&#160;Perrault. The chief executive officer of Company A sent Mr.&#160;Perrault a non-binding letter of intent the morning of December&#160;15, 2024, offering to buy Brookline at a 20% premium to Brookline&#8217;s current share price, or about $15 per share, based on publicly available information. The non-binding letter of intent was subject to due diligence and the negotiation and execution of a binding definitive agreement, the terms of which would need to be negotiated. </font>
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          <font style="letter-spacing:0.2pt;">On December&#160;15, 2024, the Berkshire board held a special meeting at which representatives of Raymond James and Luse Gorman were present, along with members of Berkshire management. The Berkshire board discussed and considered the terms and conditions of the Brookline merger and the final merger agreement, and the execution risks relative to the proposed merger of equals transaction with Brookline, as well as the mechanisms in the proposed merger agreement with Brookline that would allow Brookline to engage with a third party that makes a &#8220;superior proposal&#8221;, as that term is defined in the draft merger agreement. Representatives of Luse Gorman reviewed the final terms and conditions of the merger and the merger agreement with the Berkshire board and reminded the Berkshire board of its fiduciary duties in connection with the transaction and the terms of the merger agreement. In addition, representatives of Luse Gorman reviewed the terms of the employment-related agreements proposed to be entered into in connection with the transaction. Representatives of Raymond James reviewed the financial aspects of the transaction with Brookline, including financial analyses performed by Raymond James, and rendered to the Berkshire board its opinion (both oral and in writing), to the effect that, as of that date and subject to the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken as set forth in its opinion, the exchange ratio in the merger pursuant to the Berkshire-Brookline merger agreement was fair from a financial point of view to the holders of Berkshire common stock. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Berkshire&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] and </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex B</font><font style="letter-spacing:0.2pt;">. After </font>
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          <font style="letter-spacing:0.2pt;">deliberation, the Berkshire board voted unanimously to approve the merger agreement and the transactions contemplated thereby and authorized Berkshire management to execute the merger agreement. Representatives of Raymond James also presented to Berkshire&#8217;s board the results of their outreach to potential investors to price and sell orders for the $100&#160;million capital raise. After discussion and due consideration, Berkshire&#8217;s board endorsed the recommendation of Berkshire&#8217;s capital raise pricing committee and voted unanimously to approve the book of orders from multiple accredited investors compiled by Raymond James for the full capital raise target at a price of $29.00 per share of Berkshire stock. </font>
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          <font style="letter-spacing:0.2pt;">Also on December&#160;15, 2024, the Brookline board held a special meeting at which representatives of Hovde and Goodwin Procter were present. Mr.&#160;Perrault informed the Brookline board of the Wall Street Journal leak as well as the subsequent communications and the letter of intent received from the chief executive officer of Company A. Goodwin Procter advised the Brookline board as to its fiduciary duties with respect to the letter of intent. Discussion ensued about the letter of intent, including that it was non-binding and subject to due diligence and the negotiation and entry into a definitive merger agreement, and the fact that the price expressed in the letter of intent is not guaranteed, nor can Brookline or its representatives predict the future terms that Company A may propose as part of a negotiation process. Further discussion ensued in which the Brookline board compared the terms of the letter of intent with the terms of the Berkshire transaction, noting that the transaction with Company A would likely be a traditional all-stock acquisition, while the Berkshire offer is a merger of equals in which Brookline&#8217;s management team primarily remains at the combined company. The Brookline board also discussed the execution risks relative to both proposed transactions, as well as the mechanisms in the proposed merger agreement with Berkshire that would allow Brookline to engage with a third party that makes a &#8220;superior proposal&#8221;, as that term is defined in the draft merger agreement. Representatives of Hovde reviewed the financial aspects of the transaction with Berkshire, including financial analyses performed by Hovde, and rendered to the Brookline board its opinion (both oral and in writing), to the effect that, as of that date and subject to the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken as set forth in its opinion, the exchange ratio in the merger pursuant to the merger agreement was fair from a financial point of view to the holders of Brookline common stock. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Brookline&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;] and </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;">. Also at the meeting, the Brookline board thoroughly discussed and considered the terms and conditions of the merger and the merger agreement. Representatives of Goodwin Procter reviewed the final terms and conditions of the merger and the merger agreement with the Brookline board, and reminded the Brookline board of its fiduciary duties in connection with the transaction and the terms of the merger agreement. In addition, representatives of Goodwin Procter reviewed the terms of the employment-related agreements proposed to be entered into in connection with the transaction. After deliberation, the Brookline board decided not to pursue the non-binding letter of intent provided by Company A, and the Brookline board voted unanimously to approve the merger agreement and the transactions contemplated thereby, recommended that the Brookline stockholders adopt the merger agreement, and authorized Brookline management to execute the merger agreement. </font>
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          <font style="letter-spacing:0.2pt;">In the morning of December&#160;16, 2024, Berkshire and Brookline executed the merger agreement and the transaction was announced, before the opening of financial markets in New York, in a press release jointly issued by Berkshire and Brookline. Berkshire also announced the $100&#160;million capital raise at a price of $29.00 per Berkshire share, which capital raise was subsequently completed by Berkshire on December&#160;19, 2024. </font>
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          <font style="letter-spacing:-0.2pt;">Brookline&#8217;s Reasons for the Mergers; Recommendation of the Brookline Board of Directors</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">After careful consideration, the Brookline board, at a meeting held on December&#160;15, 2024, unanimously (i)&#160;determined that the Merger Agreement and the merger are in the best interests of Brookline and its stockholders and (ii)&#160;approved and adopted the Merger Agreement and the transactions contemplated thereby. </font>
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          <font style="letter-spacing:0.2pt;">In reaching its decision, the Brookline board evaluated the Merger Agreement, the Merger, the bank mergers, and other matters contemplated by the Merger Agreement in consultation with Brookline&#8217;s senior management, as well as with Brookline&#8217;s legal and financial advisors, and considered a number of factors, including, but not limited to, the following: </font>
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          <font style="letter-spacing:0.2pt;">each of Brookline&#8217;s, Berkshire&#8217;s and the combined company&#8217;s business, operations, financial condition, asset quality, earnings, and prospects. In reviewing these factors, including the information </font>
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          <font style="letter-spacing:0.2pt;">obtained through due diligence, the Brookline board considered that Berkshire&#8217;s business and operations and risk profile complement those of Brookline, and that the merger and the other transactions contemplated by the Merger Agreement would result in a combined company with an expanded distribution and scale that would position the combined company to serve an expanded customer base; </font>
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          <font style="letter-spacing:0.2pt;">the strategic rationale for the merger, including the fact that the combined company will be strategically positioned to capitalize on market opportunities throughout the Northeast; </font>
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          <font style="letter-spacing:0.2pt;">the Brookline board&#8217;s belief that Berkshire&#8217;s earnings and prospects, and the synergies potentially available in the merger, would significantly improve the combined company&#8217;s market position, increase scale to enhance efficiencies and leverage investments in technology, and provide greater revenue growth opportunities and diversification, which would potentially create superior future earnings and prospects for the combined company compared to Brookline&#8217;s earnings and prospects on a stand-alone basis; </font>
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          <font style="letter-spacing:0.2pt;">the current and prospective environment in the financial services industry, including economic conditions and the interest rate and regulatory environments, the accelerating pace of technological change in the financial services industry, operating costs resulting from regulatory and compliance mandates, scale and marketing expenses, increasing competition from both banks and non-bank financial and financial technology firms, current financial market conditions, current employment market conditions and the likely effects of these factors on Brookline&#8217;s potential growth, development, productivity and strategic options both with and without the merger; </font>
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          <font style="letter-spacing:0.2pt;">the expectation that, following the merger, the combined company will be among the top community banks headquartered in Massachusetts with 148 branch locations, providing increased market opportunities for the combined company&#8217;s products and services; </font>
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          <font style="letter-spacing:0.2pt;">the complementary nature of the cultures and operational philosophies of the two companies, including with respect to their community banking business model, strategic focus, target markets, client service, credit cultures, risk profiles and community commitment, and the Brookline board&#8217;s belief that the complementary cultures will facilitate the successful integration and implementation of the transaction; </font>
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          <font style="letter-spacing:0.2pt;">the complementary nature of the products, customers and markets of the two companies, which Brookline believes should provide the opportunity to mitigate risks and increase potential returns; </font>
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          <font style="letter-spacing:0.2pt;">the ability to take advantage of increased scale to continue technology investments and client experience improvements; </font>
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          <font style="letter-spacing:0.2pt;">the strengthened ability to recruit and retain top talent across the combined markets; </font>
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          <font style="letter-spacing:0.2pt;">the expanded possibilities for growth that would be available to the combined company, given its larger size, asset base, capital and footprint; </font>
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          <font style="letter-spacing:0.2pt;">the anticipated pro&#160;forma financial impact of the merger on the combined company, including the expected positive impact on financial metrics, including earnings per share, and the expectation that the tangible book value per share dilution from the merger would be earned back within a reasonable period following closing; </font>
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          <font style="letter-spacing:0.2pt;">the expectation of significant cost savings resulting from the merger; </font>
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          <font style="letter-spacing:0.2pt;">the Brookline board&#8217;s review and discussions with Brookline&#8217;s senior management concerning Brookline&#8217;s due diligence examination of Berkshire, including with respect to, among other areas, its operations, financial condition, credit quality, loan portfolio and legal and regulatory compliance programs and prospects; </font>
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          <font style="letter-spacing:0.2pt;">its understanding that Brookline stockholders will own approximately 44.8% of the combined company&#8217;s common stock; </font>
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          <font style="letter-spacing:0.2pt;">the form of consideration&#8201;&#8212;&#8201;an exchange of Brookline common stock for shares of Berkshire common stock&#8201;&#8212;&#8201;which the Brookline board believes will permit its stockholders to maximize their </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">interest in the potential growth in the value of the combined company to the extent that the market price of the combined company increases following the announcement of the merger and/or consummation of the merger; </font>
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          <font style="letter-spacing:0.2pt;">the fact that the exchange ratio is fixed, with no adjustment in the merger consideration to be received by Brookline stockholders as a result of possible increases or decreases in the trade price of Berkshire common stock or Brookline common stock following the announcement of the merger, which the Brookline board believed was consistent with market practice for transactions of this type and with the strategic purpose of the merger and related transactions; </font>
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          <font style="letter-spacing:0.2pt;">the intention for the merger to qualify as a tax-free reorganization for U.S. federal income tax purposes, thereby affording holders of Brookline common stock the opportunity to exchange their shares for shares of Berkshire common stock on a tax-free basis; </font>
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          <font style="letter-spacing:0.2pt;">the merger consideration offered by Berkshire (0.42x of a share of Berkshire common stock for each share of Brookline common stock) which represented a 0.99% premium over the closing price of Brookline common stock on December&#160;13, 2024, 1.18x Brookline&#8217;s tangible book value per share, 15.3x Brookline&#8217;s last twelve month earnings per share, 11.8x its estimated 2025 earnings per share, and 9.9x its 2026 estimated earnings per share (based on 2025 and 2026 consensus analyst estimates); </font>
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          <font style="letter-spacing:0.2pt;">the enhanced potential for liquidity and upside trading to Brookline stockholders given the increased market capitalization of the combined company from $1.13&#160;billion on December&#160;13, 2024, the last trading day prior to the announcement of the merger, to greater than $2.55&#160;billion on a pro&#160;forma basis also as of such date after giving effect to the merger with Berkshire, among other factors; </font>
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          <font style="letter-spacing:0.2pt;">the opinion, dated December&#160;15, 2024, of Hovde to the Brookline board as to the fairness, from a financial point of view and as of the date of the opinion, of the exchange ratio in the merger, as more fully described under the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Brookline&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]; </font>
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          <font style="letter-spacing:0.2pt;">the Brookline board&#8217;s review with Brookline&#8217;s legal counsel of the material terms of the Merger Agreement, including the representations, covenants, deal protection and termination provisions, tax treatment and closing conditions; </font>
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          <font style="letter-spacing:0.2pt;">the Brookline board&#8217;s expectation that the requisite regulatory approvals could be obtained in a timely fashion; </font>
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          <font style="letter-spacing:0.2pt;">the fact that Brookline stockholders will have the opportunity to vote to approve the merger; </font>
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          <font style="letter-spacing:0.2pt;">the fact that eight of the 16 total directors of the combined company will be current members of the Brookline board; </font>
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          <font style="letter-spacing:0.2pt;">the fact that Mr.&#160;Perrault will serve as President and Chief Executive Officer, Mr.&#160;Carlson will serve as the Chief Financial Officer, Mr.&#160;McCurdy will serve as the Chief Banking Officer, and Mr.&#160;Meiklejohn will serve as Chief Credit Officer of each of the combined company and the combined bank and that the management team will be comprised of a mix of Brookline executives and Berkshire executives, each of which the Brookline board believes enhances the likelihood that the strategic benefits that Brookline expects to achieve as a result of the merger will be realized; </font>
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          <font style="letter-spacing:0.2pt;">its view that the combined company would have the opportunity to establish a deeper leadership team and overall work force by selecting from a larger pool of talent among the two organizations; </font>
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          <font style="letter-spacing:0.2pt;">its view that the combined company would allow for greater career mobility and growth opportunities for its employees, as well as enhanced recruiting and succession planning abilities; </font>
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          <font style="letter-spacing:0.2pt;">the fact that the Brookline and Berkshire management teams have integration experience through various acquisitions, which could be beneficial to the integration process; and </font>
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          <font style="letter-spacing:0.2pt;">Brookline&#8217;s and Berkshire&#8217;s past records of integrating acquisitions and of realizing expected financial and other benefits of such acquisitions. </font>
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          <font style="letter-spacing:0.2pt;">The Brookline board also considered potential risks related to the merger but concluded that the anticipated benefits of the merger were likely to outweigh these risks. These potential risks include: </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">the regulatory and other approvals required in connection with the Merger and the Bank Merger and the risk that such regulatory approvals may not be received in a timely manner or at all or may impose unacceptable conditions; </font>
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          <font style="letter-spacing:0.2pt;">the possibility of encountering difficulties in achieving anticipated synergies and cost savings in the amounts estimated or in the timeframe contemplated; </font>
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          <font style="letter-spacing:0.2pt;">the possibility that the anticipated pro&#160;forma impact of the merger on the combined company will not be realized when expected or at all as a result of unexpected changes in financial market or economic conditions; </font>
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          <font style="letter-spacing:0.2pt;">the costs to be incurred in connection with the merger and the integration of Berkshire&#8217;s business and Brookline&#8217;s business, and the possibility that the merger and the integration may be more expensive to complete than anticipated, including as a result of unexpected factors or events; </font>
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          <font style="letter-spacing:0.2pt;">the possibility that the anticipated benefits of the merger will not be realized when expected or at all, including as a result of the impact of, or difficulties arising from, the integration of the two companies or as a result of general economic and market conditions and competitive factors in the areas where Brookline and Berkshire operate businesses; </font>
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          <font style="letter-spacing:0.2pt;">the possibility of encountering difficulties in successfully integrating Brookline&#8217;s and Berkshire&#8217;s business, operations and workforce; </font>
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          <font style="letter-spacing:0.2pt;">the risk of losing key Brookline or Berkshire employees during the pendency of the merger and thereafter; </font>
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          <font style="letter-spacing:0.2pt;">certain anticipated merger-related costs; </font>
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          <font style="letter-spacing:0.2pt;">the possible diversion of management attention and resources from the operation of Brookline&#8217;s business towards the completion of the merger and the integration of the two companies; </font>
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          <font style="letter-spacing:0.2pt;">the restrictions on the conduct of Brookline&#8217;s business during the period between execution of the Merger Agreement and the consummation of the merger, which could potentially delay or prevent Brookline from undertaking business opportunities that might arise or certain other actions it might otherwise take with respect to its operations absent the pendency of the merger; </font>
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          <font style="letter-spacing:0.2pt;">the potential effect of the merger on Brookline&#8217;s overall business, including its relationships with customers, employees, suppliers and regulators; </font>
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          <font style="letter-spacing:0.2pt;">the potential for legal claims challenging the merger; and </font>
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          <font style="letter-spacing:0.2pt;">the other risks described under the sections entitled &#8220;Risk Factors&#8221; beginning on page [&#8199;&#8199;&#8199;] and &#8220;Cautionary Statement Concerning Forward-Looking Statements&#8221; beginning on page [&#8199;&#8199;&#8199;]. </font>
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          <font style="letter-spacing:0.2pt;">The foregoing discussion of the information and factors considered by the Brookline board is not intended to be exhaustive, but includes the material factors considered by the Brookline board. In reaching its decision to approve the merger, the Merger Agreement and the other transactions contemplated by the Merger Agreement, the Brookline board did not quantify or assign any relative weights to the factors considered, and individual directors may have given different weights to different factors. The Brookline board considered all these factors as a whole, including through its discussions with Brookline&#8217;s management and financial and legal advisors, in evaluating the Merger Agreement, the Merger, the Bank Merger, and the other transactions contemplated by the Merger Agreement. </font>
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          <font style="letter-spacing:0.2pt;">For the reasons set forth above, the Brookline board determined that the Merger Agreement and the merger are in the best interests of Brookline and its stockholders. The Brookline board unanimously recommends that Brookline stockholders vote &#8220;FOR&#8221; approval of the Merger Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Certain of Brookline&#8217;s directors and executive officers have other interests in the merger that are different from, or in addition to, those of Brookline stockholders generally, as discussed under the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Interests of Brookline&#8217;s Directors and Executive Officers in the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;&#8199;]. The Brookline board was aware of and considered these potential interests, among other matters, in evaluating the merger and in making its recommendation to Brookline stockholders. </font>
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          <font style="letter-spacing:0.2pt;">77</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">There can be no assurance that the potential synergies or opportunities considered by the boards will be achieved through completion of the merger. See the section of this proxy statement/prospectus titled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors&#8201;&#8212;&#8201;Risks Relating to the Merger</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;&#8199;]. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Opinion of Brookline&#8217;s Financial Advisor</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The fairness opinion and a summary of the underlying financial analyses of Brookline&#8217;s financial advisor, Hovde, are described below. The summary and description contain projections, estimates and other forward-looking statements about the future earnings or other measures of the future performance of Brookline or Berkshire. The projections were based on numerous variables and assumptions, which are inherently uncertain, including factors related to general economic and competitive conditions. Accordingly, actual results could vary significantly from those set forth in the projections. You should not rely on any of these statements as having been made or adopted by Brookline or Berkshire. You should review the copy of the Hovde opinion, which is attached to this Joint Proxy Statement/Prospectus as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;">. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Brookline retained Hovde to act as its financial advisor in connection with the proposed merger with Berkshire on June&#160;26, 2024. Hovde agreed to assist Brookline in analyzing, structuring, and negotiating the Mergers and was also engaged to render a written opinion to Brookline&#8217;s board of directors as to whether the exchange ratio pursuant to the Merger Agreement was fair from a financial point of view to the holders of Brookline common stock. Brookline selected Hovde because Hovde is a nationally recognized investment banking firm with substantial experience in transactions similar to the Mergers and is familiar with Brookline and its business. As part of its investment banking business, Hovde is continually engaged in the valuation of financial services companies and their securities in connection with mergers and acquisitions. </font>
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          <font style="letter-spacing:0.2pt;">As part of its engagement, representatives of Hovde attended the meeting of the Brookline board of directors, held on December&#160;15, 2024, at which the Brookline board of directors evaluated the proposed merger with Berkshire. At this meeting, Hovde reviewed the financial aspects of the proposed merger and rendered an opinion that, as of such date and based upon and subject to the various factors, assumptions and limitations set forth in its opinion, the exchange ratio offered to the holders of Brookline common stock in the merger was fair from a financial point of view to the holders of Brookline common stock. Following extensive review and discussion, the Brookline board of directors approved the Merger Agreement at this meeting. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The full text of Hovde&#8217;s written opinion is attached as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;"> to this Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:0.2pt;">Prospectus and is incorporated herein by reference. Brookline stockholders are urged to read the opinion in its entirety for a description of the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by Hovde. The description of the opinion set forth herein is qualified in its entirety by reference to the full text of such opinion. The issuance of Hovde&#8217;s opinion was approved by the fairness opinion committee of Hovde. Hovde provided its opinion to the Brookline board of directors in connection with and for the purposes of the Brookline board of directors&#8217; evaluation of the Mergers. Hovde has reviewed and consented to the inclusion herein of the disclosure relating to its analysis and fairness opinion. </font></div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Hovde&#8217;s opinion speaks only as of the date of the opinion. The opinion is directed to the Brookline board of directors and addresses only the fairness, from a financial point of view, of the exchange ratio offered to the holders of Brookline common stock. It does not address the underlying business decision to proceed with the Mergers and does not constitute a recommendation to any Brookline stockholder as to how the stockholder should vote at the Brookline Special Meeting on the Mergers or any related matter. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">During the course of its engagement and in rendering its opinion, Hovde reviewed, among other things: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(i)</font>
          <br >
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a copy of the Execution Version of the Merger Agreement received on December&#160;13, 2024 provided to Hovde by Brookline; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(ii)</font>
          <br >
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">audited financial statements for both Brookline and Berkshire for the twelve-month periods ended December&#160;31, 2022 and December&#160;31, 2023; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(iii)</font>
          <br >
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">unaudited financial statements for both Brookline and Berkshire for the three-month period </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">78</font>
          <br >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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        <div style="margin-left:44pt; width:412pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">ended March&#160;31, 2024, the six month period ended June&#160;30, 2024 and the nine month period ended September&#160;30, 2024; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(iv)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">certain publicly-available financial and business information of Brookline, Berkshire and their affiliates which Hovde deemed to be relevant; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(v)</font>
          <br >
        </div>
        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">certain information, including financial forecasts, relating to the business, earnings, cash flow, assets, liabilities, liquidity and prospects of Brookline and Berkshire; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(vi)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">certain information detailing the Mergers prepared by Brookline, Berkshire and their affiliates and by their legal and accounting advisors including the estimated amount and timing of cost savings and related expenses and purchase accounting adjustments expected to result from the Mergers (the &#8220;Merger Adjustments&#8221;); </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(vii)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the potential proforma financial impact of the Mergers on the future financial performance of the combined company, including the potential effect on Brookline&#8217;s and Berkshire&#8217;s estimated earnings per share, tangible book value per share, financial ratios, capital ratios and such other metrics deemed relevant, after giving effect to the Merger Adjustments, the $100&#160;million common equity offering by Berkshire announced and consummated contemporaneously with the execution of the Merger Agreement, and the exchange ratio; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(viii)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the comparison of certain financial metrics of Brookline, Berkshire and the combined company to other selected banks and thrifts that Hovde deemed to be relevant; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(ix)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
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          <font style="letter-spacing:0.2pt;">the relative contributions of Brookline and Berkshire to the future financial performance of the combined company on a proforma basis; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(x)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
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          <font style="letter-spacing:0.2pt;">the relative ownership&#160;percentage of stockholders of Brookline on a proforma basis following the closing of the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">(xi)</font>
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          <font style="letter-spacing:0.2pt;">the recent publicly reported trading prices of Brookline and Berkshire; </font>
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          <font style="letter-spacing:0.2pt;">(xii)</font>
          <br >
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the current overall environment for depository institutions in the United States and general economic, market and financial conditions; and </font>
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          <font style="letter-spacing:0.2pt;">(xiii)</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the terms of recent mergers, to the extent publicly available, involving financial institutions and financial institution holding companies that Hovde considered relevant. </font>
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          <font style="letter-spacing:0.2pt;">Additionally, Hovde took into consideration its experience in other similar transactions and securities valuations as well as its knowledge of the banking and financial services industry and performed such other analyses and considered such other factors as Hovde deemed appropriate. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Hovde, in conducting its review and arriving at its opinion, relied upon the accuracy and completeness of the information provided to it by Brookline, Berkshire and their affiliates. In addition, where appropriate, Hovde relied upon publicly available information, without independent verification, that Hovde believed to be reliable, accurate, and complete; however, Hovde cannot guarantee the reliability, accuracy or completeness of any such publicly available information. Hovde was not engaged to express, and is not expressing, any opinion with respect to any other transaction, including any alternative transaction between Brookline and Berkshire. Hovde prepared its opinion using publicly available earnings estimates by research analysts covering Brookline, as discussed with senior management of Brookline, and publicly available earnings estimates by research analysts covering Berkshire, as discussed with senior management of Berkshire. With respect to the financial forecasts, including the synergies and restructuring charges, supplied to Hovde, Hovde assumed, with Brookline&#8217;s consent, that they were reasonably prepared and reflected, as of the date of Hovde&#8217;s opinion, the best currently available estimates and judgments of Brookline and Berkshire as to future operating and financial performance of Brookline, Berkshire and the combined company. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Hovde did not make an independent evaluation of the assets or liabilities (contingent or otherwise) of Brookline, Berkshire or their affiliates, including, but not limited to, any derivative or off-balance sheet assets or liabilities nor did Hovde conduct any review of the individual credit files of Brookline or Berkshire, </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">79</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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          <font style="letter-spacing:0.2pt;">evaluate the adequacy of the loan or lease loss reserves of Brookline or Berkshire or evaluate the solvency of Brookline or Berkshire under any state or federal laws relating to bankruptcy, insolvency or similar matters. Hovde rendered no opinion or evaluation on the collectability of any asset or the future performance of any loan of Brookline or Berkshire. Hovde is not an expert in the evaluation of loan or lease portfolios for assessing the adequacy of the allowance for losses with respect thereto and, accordingly, Hovde did not make an independent evaluation of the adequacy of the allowance for loan and lease losses of Brookline or Berkshire or on the credit mark assumed taken in the Mergers, and Hovde has assumed, with Brookline&#8217;s consent, that the respective allowance for loan and lease losses for both Brookline and Berkshire, respectively, as well as the credit mark are adequate to cover such losses and will be adequate on a proforma basis for the combined company. Hovde has relied upon and assumed, without assuming any responsibility for independent verification, the accuracy and completeness of all of the financial, legal, regulatory, tax, accounting and other information provided to, discussed with or reviewed by Hovde. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Hovde&#8217;s opinion does not consider, include or address: (i)&#160;any legal, tax, accounting, or regulatory consequences of the Mergers on Brookline, Berkshire or their respective stockholders; (ii)&#160;any advice or opinions provided by any other advisor to the board of directors of Brookline; or (iii)&#160;any other strategic alternatives that might be available to Brookline. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For purposes of rendering its opinion, Hovde assumed that, in all respects material to its analyses: </font>
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          <font style="letter-spacing:0.2pt;">(i)</font>
          <br >
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the Mergers will be completed substantially in accordance with the terms set forth in the Merger Agreement with no additional payments or adjustments to the merger consideration; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(ii)</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the representations and warranties of each party in the Merger Agreement and in all related documents and instruments referred to in the Merger Agreement are true and correct; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(iii)</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">each party to the Merger Agreement and all related documents will perform all of the covenants and agreements required to be performed by such party under such documents; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(iv)</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">all conditions to the completion of the Mergers will be satisfied without any waiver; and </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(v)</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">in the course of obtaining the necessary regulatory, contractual, or other consents or approvals for the Mergers, no restrictions, including any divestiture requirements, termination or other payments or amendments or modifications, will be imposed that will have a material adverse effect on the future results of operations or financial condition of the combined entity or the contemplated benefits of the Mergers, including the synergies and restructuring charges expected to result from the Mergers. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">Hovde further assumed, without assuming any responsibility for independent verification, that the Mergers will be accounted for as a purchase transaction under GAAP, and that the Mergers will qualify as a tax-free reorganization for United States federal income tax purposes. Hovde&#8217;s opinion is not an expression of an opinion as to the prices at which shares of Brookline common stock or shares of Berkshire common stock will trade following the announcement of the Mergers or the actual value of the shares of common stock of the combined company when issued pursuant to the Mergers, or the price at which the shares of common stock of the combined company will trade following the completion of the Mergers. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The exchange ratio was determined through negotiations between Brookline and Berkshire and was approved by Brookline&#8217;s board of directors. While Hovde provided advice to Brookline during these negotiations, Hovde did not recommend that any specific exchange ratio constituted the only appropriate exchange ratio for the Mergers. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to Hovde&#8217;s engagement agreement with the Brookline, Brookline paid Hovde a non-refundable cash fee of $50,000 upon signing of the engagement agreement (the &#8220;Retainer Fee&#8221;) to serve as financial adviser in connection with the proposed Mergers, and has paid Hovde a non-refundable cash fee of $1,800,000 upon Hovde&#8217;s delivery of the fairness opinion relating to the Mergers (the &#8220;Fairness Opinion Fee&#8221;). Additionally, Brookline has agreed to pay Hovde at the time of closing of the Mergers a cash fee equal to $9,000,000 less the Retainer Fee and the Fairness Opinion Fee previously paid to Hovde by Brookline. Pursuant to the Hovde engagement agreement, Brookline has also agreed to reimburse Hovde for reasonable </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">80</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">out-of-pocket expenses and disbursements incurred in connection with its retention and to indemnify against certain liabilities, including liabilities under the federal securities laws. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In the past two&#160;years preceding the date of its opinion, Hovde has not provided investment banking or financial advisory services to either Brookline or Berkshire for which it received a fee. Hovde or its affiliates may presently or in the future seek or receive compensation from Berkshire in connection with future transactions, or in connection with potential advisory services and corporate transactions. In the ordinary course of Hovde&#8217;s business as a broker/dealer, Hovde may from time to time purchase securities from, and sell securities to, Brookline or Berkshire or their affiliates, and as a market maker in securities, Hovde may from time to time have a long or short position in, and buy or sell, debt or equity securities of the Brookline or Berkshire for Hovde&#8217;s own accounts and for the accounts of Hovde&#8217;s customers. Except for the foregoing, during the past two&#160;years there have not been and there currently are no mutual agreements regarding any future material transactions between Hovde and either Brookline or Berkshire except that Hovde has served as the co-lead private placement agent in a private placement of newly issued shares of common stock of Berkshire with an aggregate value of approximately $100,000,000, which was announced and consummated contemporaneously with the execution of the Merger Agreement (the &#8220;Private Placement&#8221;). In connection with Hovde acting as co-lead in the Private Placement, Hovde was entitled to and has received a cash fee of $1,125,000. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Summary of Analyses by Hovde</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In accordance with customary investment banking practice, Hovde employed generally accepted valuation methods in reaching its opinion. The following is a summary of the material financial analyses undertaken by Hovde in connection with rendering its opinion to the Brookline board of directors on December&#160;15, 2024. The summary is not a complete description of the analyses underlying the Hovde opinion or the presentation made by Hovde to the Brookline board of directors but summarizes the material analyses performed and presented in connection with such opinion. The preparation of a fairness opinion is a complex analytic process involving various determinations as to the most appropriate and relevant methods of financial analysis and the application of those methods to the particular circumstances. In arriving at its opinion, Hovde did not attribute any particular weight to any analysis or factor that it considered but rather made qualitative judgments as to the significance and relevance of each analysis and factor. The financial analyses summarized below include information presented in tabular format. The tables alone do not constitute a complete description of the financial analyses. Accordingly, Hovde believes that its analyses and the summary of its analyses must be considered as a whole and that selecting portions of its analyses and factors or focusing on the information presented below in tabular format, without considering all analyses and factors or the full narrative description of the financial analyses, including the methodologies and assumptions underlying the analyses, could create a misleading or incomplete view of the process underlying its analyses and opinion. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Summary of Financial Terms of Mergers</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Pursuant to the terms of the Merger Agreement, each outstanding share of Brookline common stock will be converted into the right to receive 0.42 shares of Berkshire common stock (the &#8220;exchange ratio&#8221;). Based on Berkshire&#8217;s closing price on December&#160;13, 2024 of $30.20, the exchange ratio represented a price of $12.68 per share to Brookline&#8217;s stockholders and an implied market premium of 0.99%. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Based on 89,980,839 shares of Brookline common stock outstanding (including 880,748 shares of Brookline common stock granted in respect to outstanding Brookline restricted stock awards) as of December&#160;14, 2024, the implied aggregate transaction value was $1,141.32&#160;million. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Assuming the 0.42 exchange ratio, the implied fully diluted ownership was 53.3% for Berkshire stockholders and 46.7% for Brookline stockholders before the impact of the Berkshire $100&#160;million common equity offering announced concurrently with the announcement of the Merger Agreement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Assuming the 0.42 exchange ratio, the implied fully diluted ownership was 51.2% for Berkshire stockholders, 44.8% for Brookline stockholders, and 4.1% for new investors including the impact of the $100&#160;million Berkshire common equity offering announced and consummated contemporaneously with the execution of the Merger Agreement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Berkshire dividend is expected to be increased to $1.29 from $0.72 following the closing of the Mergers and will have a neutral impact on Brookline stockholders. </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">81</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Demographic and Branch Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde reviewed and compared selected demographic information for Brookline&#8217;s and Berkshire&#8217;s markets where they have one or more active branches and conduct business. On a weighted average basis, based on data provided by a nationally recognized consolidator of this information, S&amp;P Capital IQ Pro, Berkshire&#8217;s franchise was found to have a projected population change from 2024 to 2029 of 0.94%, 2024 median household income of $81,767, and a projected household income change from 2024 to 2029 of 8.27%. Brookline&#8217;s franchise was found to have a projected population change from 2024 to 2029 of 1.30%, 2024 median household income of $97,112, and a projected household income change from 2024 to 2029 of 8.67% Hovde also prepared a pro&#160;forma map combining Brookline branch offices with Berkshire&#8217;s branch offices. The map revealed the complimentary nature of each institution&#8217;s branch footprint. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">The branch analysis also indicated that there was very little branch overlap in each bank&#8217;s markets with&#160;4 branches (out of a combined total of 148) identified as potential consolidation opportunities. The 4&#160;branches are all in well-banked markets with either a Brookline or Berkshire branch in close proximity. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Brookline and Berkshire Stock Price Performance</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde reviewed the history of the publicly reported trading prices of Brookline and Berkshire&#8217;s common stock since November&#160;5, 2024 (date of the U.S. presidential election), year-to-date and for the one-year period ended December&#160;13, 2024. Hovde then compared the relationship between the movements in the prices of Brookline&#8217;s and Berkshire&#8217;s common stock in relation to each other and against the movement in the S&amp;P 500 Bank Index. </font>
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        <table style="width:456pt;height:65.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:220.86pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">November&#160;5, 2024 to </font>
                <br >
                <font style="letter-spacing:-0.16pt;">December&#160;13, 2024 </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Price Performance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Year-to-Date Price </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Last Twelve Months </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Price Performance </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.25pt 0pt 0.5pt 0pt; width:220.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:25.325pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:25.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:22.815pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:22.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:24.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:220.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:25.325pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.70<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:25.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:22.815pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">21.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:22.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">22.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:24.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:220.86pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">S&amp;P 500 Bank Index </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:25.325pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.60<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:25.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:22.815pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">36.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:22.815pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:24.87pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">43.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:24.87pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.2pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Historical Stock Market Exchange Ratio Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde performed an implied exchange ratio analysis by comparing the historical relationship between the publicly reported trading prices of Brookline&#8217;s and Berkshire&#8217;s common stock. The following table lists what the implied exchange ratio would have been, based on average stock prices over the periods shown, and compares the&#160;percentage difference to the merger exchange ratio of 0.42. </font>
        </div>
        <table style="width:456pt;height:95.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Historical Stock Market Exchange Ratio Analysis</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Difference to Merger </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange Ratio of 0.42x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.25pt 0pt 0.5pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">December&#160;13, 2024 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4159<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.25pt 0pt 0.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">30 Day </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4094<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">2.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">60 Day </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3926<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">6.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">90 Day </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3887<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">8.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">6 Months </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3861<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">8.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.5pt 0pt 0.5pt 0pt; width:296.09pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">1 Year </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4055<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.67pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.5pt 0pt 0.5pt 0pt; min-width:9.75pt; text-align:right; white-space:nowrap;">3.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:35.075pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:13.69pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:9.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:9.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">As of December 13, 2024. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Relative Contribution Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde analyzed the relative contribution of Brookline and Berkshire to the pro&#160;forma market capitalization, balance sheet and income statement items of the combined entity, including pro&#160;forma assets, loans, deposits, core deposits, non-interest bearing deposits, tangible common equity excluding accumulated other comprehensive income (&#8220;AOCI&#8221;), tangible common equity, last twelve&#160;months (&#8220;LTM&#8221;) operating earnings, most recent quarter (&#8220;MRQ&#8221;) operating earnings annualized, and projected 2024, 2025 and 2026 earnings estimates. This analysis excluded all purchase accounting adjustments and was based on Brookline&#8217;s and Berkshire&#8217;s closing prices on December&#160;13, 2024 of $12.56 and $30.20, respectively. Hovde calculated the implied exchange ratio under the various contribution </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">82</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">percentages and showed what the implied exchange ratio these analyses indicated and compared the&#160;percentage difference to the merger exchange ratio of 0.42. </font>
        </div>
        <table style="width:456pt;height:290.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:242.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Contribution </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Contribution </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Difference to </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Merger </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio of 0.42x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Fully Diluted Market Capitalization</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:-0.15pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">53.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4159<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">1.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Balance Sheet</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">50.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4832<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(13.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net Loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.5052<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(16.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">47.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4378<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(4.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Core Deposits</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">53.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4148<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">1.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Non-interest Bearing Deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">57.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">42.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3561<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">17.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tangible Common Equity (Excluding AOCI) </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">53.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4233<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(0.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tangible Common Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">47.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4418<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(4.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <font style="letter-spacing:-0.2pt;">Earnings</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">LTM Operating Earnings</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">54.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">45.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4026<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">4.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">MRQ Operating Earnings Annualized</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">55.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">44.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3902<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">7.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Estimated 2024 Normalized Earnings</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">55.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">44.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3809<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">10.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Estimated 2025 Earnings</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4583<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(8.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Estimated 2026 Earnings</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">50.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4776<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(12.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Average</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">47.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4298<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(1.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:242.01pt;text-align:left;">
              <div style="font-weight:bold;">
                <font style="letter-spacing:-0.2pt;">Median</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">53.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:12.43pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4233<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(0.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:13.675pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:13.49pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Brookline fully diluted share count includes unvested restricted stock of 880,748. Berkshire fully diluted share count includes in-the-money options of 44,400 with weighted exercise price of $26.65, unvested restricted stock of 645,929 that are already included in shares outstanding, and 225,291 shares of Berkshire common stock reserved for issuance upon the settlement of outstanding Berkshire Restricted Stock Unit Awards. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Core deposits are defined as total deposits less time deposits (defined as certificate of deposit accounts plus brokered deposit accounts). </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Operating earnings are shown as reported by both banks in their earnings release. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:4.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:4.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Figures shown are consensus long dollar analyst estimates as of December&#160;13, 2024. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Selected Publicly Traded Companies Analyses</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Using publicly available information, Hovde compared the financial performance, financial condition and market performance of Brookline and Berkshire to the following select publicly traded banks and thrifts headquartered in the Northeast and Mid-Atlantic regions, excluding mutual holding companies and pending merger targets, with total assets between $8.0&#160;billion and $15.0&#160;billion</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">(1)</font><font style="letter-spacing:0.2pt;">. Companies in this group were: </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:240pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:20pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">NBT Bancorp, Inc. </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt 0pt 1pt 0pt; width:184pt;">
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                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">ConnectOne Bancorp, Inc. </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:240pt;">
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                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:20pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Dime Community Bancshares, Inc. </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:4pt 0pt 1pt 0pt; width:184pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
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              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">S&amp;T Bancorp, Inc. </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:240pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">OceanFirst Financial Corp. </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:4pt 0pt 1pt 0pt; width:184pt;">
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                <font style="letter-spacing:0.2pt;">&#8226;</font>
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Flushing Financial Corporation </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:240pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">First Commonwealth Financial Corporation </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:4pt 0pt 1pt 0pt; width:184pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Univest Financial Corporation </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:240pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:20pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Eagle Bancorp, Inc. </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:4pt 0pt 1pt 0pt; width:184pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Tompkins Financial Corporation</font>
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        <div style="margin-top:13.5pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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        <div style=" float:left; margin-top:8.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:8.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The peer group excludes Amalgamated Financial Corporation and The Bancorp, Inc. due to business models different from those of peer group. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">83</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-bottom:12pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">To perform this analysis, Hovde used financial information for the three&#160;months ended September&#160;30, 2024 and market price information as of December&#160;13, 2024. Earnings estimates for 2024, 2025 and 2026 were taken from a nationally recognized earnings estimate consolidator, S&amp;P Capital IQ Pro, for the selected companies. Certain financial data prepared by Hovde, and as referenced in the tables presented below, may not correspond to the data presented in Brookline&#8217;s or Berkshire&#8217;s historical financial statements as a result of the different periods, assumptions and methods used by Hovde to compute the financial data presented. No company used as a comparison in the analysis below is identical to Brookline or Berkshire. Accordingly, an analysis of these results is not mathematical. Rather, it involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">The following table summarizes the relevant data items for Brookline, Berkshire, and the peer group. </font>
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      <div style="margin-top:12pt;margin-bottom:12pt;margin-left:27.16pt;width:541pt;">
        <table style="width:541pt;height:403.45pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:138.32pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt;border-bottom:1px solid #FFFFFF; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;border-bottom:1px solid #FFFFFF;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="34">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline / Berkshire Peer Group </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Balance Sheet (MRQ) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Minimum </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">25</font><font style=" position:relative; bottom:3.25pt;line-height:6pt;font-size:5pt;letter-spacing:-0.12pt;">th</font><font style="letter-spacing:-0.16pt;"> </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Percentile </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Median </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Average </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">75</font><font style=" position:relative; bottom:3.25pt;line-height:6pt;font-size:5pt;letter-spacing:-0.12pt;">th</font><font style="letter-spacing:-0.16pt;"> </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Percentile </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:5.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.583pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Maximum </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.263pt 0pt 2.097pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Total Assets ($000) </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11,676,721</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11,604,562</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8,006,427</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">9,356,651</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10,462,328</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10,905,942</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13,112,162</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.263pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13,839,552</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.513pt 0pt 2.097pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Loans/Deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">111.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">96.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">85.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">90.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">94.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">95.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">98.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.513pt 0pt 2.097pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">107.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Securities/Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">8.03<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">6.51<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">10.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">18.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">21.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.58pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:2.437pt 0pt 0.5pt 0pt; width:138.32pt;white-space:normal;text-align:left;">
              <div style="margin-left:8pt; text-indent:-8pt;">
                <font style="letter-spacing:0.16pt;">Tangible Common Equity/Tangible Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">8.50<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.10<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">7.00<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.03<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">8.69<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">8.82<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.49<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.437pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Leverage Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.09<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.92<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">7.91<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">9.28<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.97<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.92<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.98pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Common Equity Tier1 Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">10.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">10.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">12.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Total Risk-based Capital Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">12.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">13.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">14.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">15.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">16.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:138.32pt;text-align:left;">
              <font style="letter-spacing:-0.16pt;">Income Analysis (MRQ)</font>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.503pt 0pt 2.107pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Core Return on Average Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.75<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.85<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.39<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.71<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.84<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.85<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.07<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.503pt 0pt 2.107pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.36<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.58pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:2.427pt 0pt 0.5pt 0pt; width:138.32pt;white-space:normal;text-align:left;">
              <div style="margin-left:8pt; text-indent:-8pt; line-height:9.59pt;">
                <font style="letter-spacing:0.16pt;">Core Return on Average Tangible Common Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">8.99<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.91<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">4.79<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">7.03<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.71<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.81<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">12.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.427pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.493pt 0pt 2.117pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Net Interest Margin </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.09<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.23<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">2.10<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">2.55<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.74<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.87<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.18<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.84<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.493pt 0pt 2.117pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Efficiency Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">62.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">63.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">54.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">56.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">63.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">62.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">65.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">74.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.493pt 0pt 2.117pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Fee Income/Operating Revenue </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">7.10<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">19.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">6.03<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">9.64<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">17.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">25.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">30.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.493pt 0pt 2.117pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Non-interest Expense/Average Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.02<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.45<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1.41<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">1.69<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.07<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.06<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.41<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.493pt 0pt 2.117pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.81<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.493pt 0pt 2.117pt 0pt; width:138.32pt;text-align:left;">
              <font style="letter-spacing:-0.16pt;">Asset Quality (MRQ)</font>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.483pt 0pt 2.127pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Nonperforming Assets/Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.62<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.23<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.21<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.34<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.49<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.54<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.63<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.22<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.483pt 0pt 2.127pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Loan Loss Reserve/Loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.31<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.21<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.59<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.82<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.11<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.07<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.34<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1.40<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.483pt 0pt 2.127pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Net Charge-offs/Average Loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.16<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.24<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(0.00<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.07<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.16<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.15<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.18<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">0.39<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.483pt 0pt 2.127pt 0pt; width:138.32pt;text-align:left;">
              <font style="letter-spacing:-0.16pt;">Pricing Metrics (12/13/2024)</font>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.483pt 0pt 2.127pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Market Cap ($M) </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1,119.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1,273.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">438.6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">941.4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1,117.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1,289.0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">1,592.1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:3pt; text-align:right; ">$</td>
            <td style="padding:3.483pt 0pt 2.127pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2,437.2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.473pt 0pt 2.137pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Price/Tangible Book Value </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">116.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">123.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">67.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">102.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">134.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">135.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">172.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">216.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.473pt 0pt 2.137pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Price/2024E EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">15.3x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13.9x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">12.2x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">13.1x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">15.2x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">15.8x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">17.3x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">22.9x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.473pt 0pt 2.137pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Price/2025E EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.6x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">12.5x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">11.6x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">12.4x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13.3x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13.3x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">14.0x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">15.2x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.473pt 0pt 2.137pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Price/2026E EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.7x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10.6x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">8.30x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">9.68x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">11.1x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">10.9x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">12.2x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">13.2x</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.473pt 0pt 2.137pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Core Deposit Premium</font><font style=" position:relative; bottom:3.25pt;font-size:5pt;letter-spacing:0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.13<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.14<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">(4.72<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.40<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.57<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.97<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">9.02<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.473pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">12.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:7.97999999999996pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:3.463pt 0pt 2.137pt 0pt; width:138.32pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.16pt;">Dividend Yield </font>
              </div>
            </td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">4.29<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.38<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">2.28<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">2.68<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">2.87<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.17<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">3.24<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt; width:5.5pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:3pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.463pt 0pt 2.137pt 0pt; min-width:27pt; text-align:right; white-space:nowrap;">5.10<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:12pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:8.3pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:8.3pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;font-size:10pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Core deposits are defined as total deposits less time deposits over $100,000. The core deposit premium is calculated by taking the stock price less tangible book value per share, divided by core deposits per share. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">Hovde reviewed, among other things, peer equity values as multiples of calendar&#160;years 2024, 2025 and 2026 estimated earnings per share (&#8220;EPS&#8221;), tangible book value per share and core deposits as of September&#160;30, 2024. Hovde then applied these peer multiples, on a median basis, to the corresponding data of Brookline and Berkshire to arrive at their implied equity values per share. Based on the implied per </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000011pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;font-size:10pt;">
          <font style="letter-spacing:0.2pt;">84</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">share equity values for Brookline and Berkshire as described above, the following table lists the implied exchange ratio of these analyses and compares the&#160;percentage difference to the merger exchange ratio of 0.42. </font>
        </div>
        <table style="width:456pt;height:101.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Brookline/Berkshire Peer Group Trading Multiples Analysis</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Difference to </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Merger Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio of 0.42x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Peer Median Stock Price/Tangible Book Value Per Share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4395<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(4.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Peer Median Stock Price/2024 Estimated EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3787<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Peer Median Stock Price/2025 Estimated EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4473<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(6.1<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Peer Median Stock Price/2026 Estimated EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4535<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(7.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Peer Median Core Deposit Premium </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4468<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">(6.0<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:20.92pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:13.69pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:9.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:9.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">As of December 13, 2024. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Implied Exchange Ratio Based on Research Analyst Price Targets</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde also performed an implied exchange ratio analysis by comparing the public price targets of research analysts covering Brookline and Berkshire as provided by a nationally recognized research price target consolidator, S&amp;P Capital IQ Pro. Hovde calculated the ratio implied by dividing the low, mean, median, and high research analyst price target of Brookline by the low, mean, median, and high research analyst price target of Berkshire. The following table lists the implied exchange ratio these analyses indicated and compares the&#160;percentage difference to the merger exchange ratio of 0.42. </font>
        </div>
        <table style="width:456pt;height:116.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Research Analyst Price Target Analysis</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Difference to </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Merger Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio of 0.42x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline High Stock Price Target/Berkshire Low Stock Price Target </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.5172<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(18.8<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline High Stock Price Target/Berkshire High Stock Price Target </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4348<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(3.4<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Median Stock Price Target/Berkshire Median Stock Price Target </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4531<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(7.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Mean Stock Price Target/Berkshire Mean Stock Price Target </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4419<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(4.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Low Stock Price Target/Berkshire Low Stock Price Target </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4138<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">1.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Low Stock Price Target/Berkshire High Stock Price Target </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3478<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">20.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:13.69pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:9.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:9.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Research analyst price targets as of December 13, 2024. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Stand Alone Brookline Dividend Discount Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde performed a dividend discount analysis for the purpose of determining a range of implied equity values per share for Brookline&#8217;s common stock. A dividend discount analysis is a method of evaluating the equity value of a company using estimates of future dividends to stockholders generated by Brookline and taking into consideration the time value of money with respect to those future dividends by calculating their present value. In performing this analysis, Hovde used publicly available earnings estimates for Brookline for fourth quarter 2024 ($21.6&#160;million) and full&#160;years 2025 ($96.6&#160;million) and 2026 ($115.5&#160;million) and a growth rate of 5.0% thereafter provided by Brookline&#8217;s management and assumed discount rates ranging from 10.50% to 12.50% (based on a capital asset pricing model and certain stock market estimated return information as calculated by Kroll). The range of values was determined by adding (i)&#160;the present value of projected dividends to Brookline stockholders from September&#160;30, 2025 to December&#160;31, 2030 and (ii)&#160;the present value of the terminal value of Brookline&#8217;s common stock as calculated on December&#160;31, 2030. In determining dividends available to stockholders, Hovde assumed balance sheet growth of 3.0% as provided by Brookline management and assumed that Brookline would maintain a tangible common equity to tangible asset ratio of 8.0% and would retain sufficient earnings to maintain these levels. Any earnings in excess of what would need to be retained represented cash flows available for dividends for Brookline. In calculating the terminal value of Brookline, Hovde applied </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">85</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">multiples ranging from 12.0 times to 14.0 times 2030 forecasted earnings. This resulted in a range of values of Brookline from $13.87 to $16.60 per share with a median value of $15.19 per share. </font>
        </div>
        <table style="width:456pt;height:67pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:336.88pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Terminal Earnings Multiple </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Discount Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">12.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">13.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">14.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">10.50% </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.80</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.70</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">16.60</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">11.50% </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.33</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.19</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">16.06</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">12.50% </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">13.87</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.71</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.54</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:8.1pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Stand Alone Berkshire Dividend Discount Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde also performed the same dividend discount analysis (&#8220;DDA&#8221;) for the purpose of determining a range of implied equity values per share for Berkshire&#8217;s common stock. In performing this analysis, Hovde used publicly available earnings estimates for Berkshire for fourth quarter 2024 ($23.4&#160;million) and full&#160;years 2025 ($101.2&#160;million) and 2026 ($116.2&#160;million) and a growth rate of 5.0% thereafter provided by Berkshire&#8217;s management and assumed discount rates ranging from 10.50% to 12.50% (based on a capital asset pricing model and certain stock market estimated return information as calculated by Kroll). The range of values was determined by adding (i)&#160;the present value of projected dividends to Berkshire stockholders from September&#160;30, 2025 to December&#160;31, 2030 and (ii)&#160;the present value of the terminal value of Berkshire&#8217;s common stock as calculated on December&#160;31, 2030. In determining dividends available to stockholders, Hovde assumed balance sheet growth of 3.0% as provided by Brookline management and assumed that Berkshire would maintain a tangible common equity to tangible asset ratio of 8.0% and would retain sufficient earnings to maintain these levels. Any earnings in excess of what would need to be retained represented cash flows available for dividends for Berkshire. In calculating the terminal value of Berkshire, Hovde applied multiples ranging from 12.0 times to 14.0 times 2030 forecasted earnings. This resulted in a range of values of Berkshire from $30.49 to $36.06 per share with a median value of $33.18 per share. </font>
        </div>
        <table style="width:456pt;height:67pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:336.88pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Terminal Earnings Multiple </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Discount Rate </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">12.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">13.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">14.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">10.50% </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">32.38</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">34.22</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">36.06</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">11.50% </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">31.41</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">33.18</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">34.95</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">12.50% </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">30.49</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">32.19</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">33.90</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The dividend discount analysis is a widely used valuation methodology that relies on numerous assumptions, including asset and earnings growth rates, terminal values and discount rates. The analysis did not purport to be indicative of the actual values or expected values of Brookline or Berkshire. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Based upon the implied valuations for each of Brookline and Berkshire, pursuant to the stand-alone dividend discount analyses described above, Hovde calculated a range of implied exchange ratios of a share of Brookline common stock to a share of Berkshire common stock. Hovde calculated the ratio implied by dividing the median implied equity value of Brookline by the median implied equity value of Berkshire. Hovde also calculated the ratio implied by dividing the high end of implied equity value of Brookline by the low end of implied equity value of Berkshire. Further, Hovde calculated the ratio implied by dividing the low end of implied equity value of Brookline by the high end of implied equity value of Berkshire. The following table lists the implied exchange ratio these analyses indicated and compares the&#160;percentage difference to the merger exchange ratio of 0.42. </font>
        </div>
        <table style="width:456pt;height:101.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt; width:339.98pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Dividend Discount Analysis </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Difference to </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Merger Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio of 0.42x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Brookline Maximum Equity Value Per Share/Berkshire Minimum Equity Value </font>
                <br >
                <font style="letter-spacing:0.2pt;">Per Share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.5446<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(22.9<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:339.98pt;white-space:normal;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Brookline Median Equity Value Per Share/Berkshire Median Equity Value Per Share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.4579<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">(8.3<font style="position:absolute;">)%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt 0pt 0.5pt 0pt; width:339.98pt;text-align:left;">
              <div style="margin-left:10pt; text-indent:-10pt;">
                <font style="letter-spacing:0.2pt;">Brookline Minimum Equity Value Per Share/Berkshire Maximum Equity Value </font>
                <br >
                <font style="letter-spacing:0.2pt;">Per Share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.3847<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:2.38pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15.75pt; text-align:right; white-space:nowrap;">9.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:19.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">86</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Financial Impact Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde performed pro&#160;forma merger analyses that combined the projected income statement and balance sheet information of Brookline and Berkshire. In performing this analysis, Hovde used publicly available earnings estimates by research analysts covering Brookline and Berkshire for fourth quarter 2024 and full&#160;years 2025 and 2026 and included the impact of the $100&#160;million common equity offering at $29.00 per share announced by Berkshire concurrently with the execution of the Merger Agreement. Hovde also used cost savings estimates, purchase accounting adjustments, and restructuring charges provided by Brookline management to calculate the financial impact that the Mergers would have on certain projected financial results of Brookline and Berkshire. Cost savings were estimated to be 12.6% of 2025 estimated combined annual non-interest expense base of $529.5&#160;million, with 25% realized in 2025 and 100% realized in 2026, and a 3% annual growth in non-interest expense going forward. Restructuring charges in connection with the Mergers were estimated to be $94.1&#160;million, or $75.6&#160;million after tax. This analysis indicated that the Mergers are expected to be accretive to Brookline&#8217;s and Berkshire&#8217;s estimated earnings per share in 2025 (by 8.2% for Brookline and 18.1% for Berkshire, respectively) and 2026 (by 24.9% and 42.0%, respectively) excluding the impact of any merger charges. The analysis also indicated that the Mergers is expected to be dilutive to Berkshire&#8217;s tangible book value per share; however, Berkshire is estimated to earn back its tangible book value dilution in 2.9&#160;years and maintain well capitalized capital ratios. For all of the above analyses, the actual results achieved by Brookline and Berkshire, following the Mergers, may vary from the projected results and the variations may be material. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Pro Forma Peer Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Hovde also performed an analysis to compare the financial performance and market performance of Berkshire (pro&#160;forma for the Mergers) to the following select publicly traded banks and thrifts headquartered in the Northeast and Mid-Atlantic regions, excluding mutual holding companies and pending merger targets, with total assets between $15.0&#160;billion and $50.0&#160;billion. Companies in this Peer Group were: </font>
        </div>
        <table style="width:436pt;height:70pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:212pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">F.N.B Corporation </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:212pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">WSFS Financial Corporation </font>
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            <td style="padding:4pt 0pt 1pt 0pt; width:212pt;">
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                <font style="letter-spacing:0.2pt;">&#8226;</font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:212pt;">
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                <font style="letter-spacing:0.2pt;">&#8226;</font>
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Independent Bank Corp. </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:4pt 0pt 1pt 0pt; width:212pt;">
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Eastern Bankshares, Inc. </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:212pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Community Financial System, Inc. </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:212pt;">
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                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Provident Financial Services, Inc. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:212pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">NBT Bancorp Inc. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1pt 0pt; width:212pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:20pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Customers Bancorp Inc. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:212pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:8.2pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">To perform this analysis, Hovde used projected pro&#160;forma financial results of Brookline and Berkshire in 2026, including the impact of Merger Adjustments and market price information as of December&#160;13, 2024. Earnings estimates for 2026 and 2026 projected profitability ratios for the Peer Group were taken from a nationally recognized earnings estimate consolidator, S&amp;P Capital IQ Pro, for the selected companies. </font>
        </div>
        <table style="width:456pt;height:92.5000000000001pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:342.64pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Pricing Metrics (12/13/2024) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Company </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Pro Forma Peer </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Group Median </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:342.64pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2026 Projected ROAA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">1.30<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">1.20<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:342.64pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2026 Projected ROAE </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.5<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:342.64pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2026 Projected Efficiency Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">56.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10.0000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:342.64pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Price/Tangible Book Value </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">139<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">154<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:342.64pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Price/2026E EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">7.9x</td>
            <td style="padding:0pt;padding-left:9.215pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">10.4x</td>
            <td style="padding:0pt;padding-left:15.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:8.2pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Value Creation Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In addition, Hovde performed a dividend discount analysis to estimate a range of the present values of after-tax cash flows that Berkshire (pro&#160;forma for the Mergers) could provide to equity holders through December&#160;31, 2030 and the implied pass-through value to Brookline stockholders utilizing the merger exchange ratio of 0.42. In performing this analysis, Hovde used earnings estimates, synergies estimates, purchase accounting adjustments, and restructuring charges provided by Brookline&#8217;s and Berkshire&#8217;s management. To approximate the terminal value of Berkshire&#8217;s common stock (pro&#160;forma for the Mergers) at December&#160;31, 2030, Hovde applied earnings multiples ranging from 12.0x to 14.0x. The income stream and terminal value was then discounted to present value using a range of discount rates between 10.00% and with 12.00% with a midpoint 11.00% discount rate (based on a capital asset pricing model and certain stock market estimated return information as calculated by Kroll). Based on these </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">87</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">assumptions, the following table sets forth the respective valuation ranges for the combined company on a pro&#160;forma basis and the implied pass-through value to Brookline, utilizing the merger exchange ratio of 0.42 and discount rate of 11.00%. </font>
        </div>
        <table style="width:456pt;height:127pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:336.88pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Terminal Earnings Multiple </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Discount Rate of 11.00% </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">12.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">13.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">14.0x </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Pro Forma Combined Company </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">35.44</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">37.62</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">39.81</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Difference between Pro Forma DDA and Berkshire Stand Alone DDA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.02</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.44</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.86</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Percentage Difference </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">13.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">13.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Merger Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.42</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.42</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.42</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Pass Through Value to Brookline</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.88</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.80</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">16.72</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Difference between Pass Through Value and Brookline Standalone DDA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.56</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.61</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.66</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:336.88pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Percentage Difference </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">3.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.0<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">4.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.21pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Pass-through value to Brookline calculated by multiplying the pro&#160;forma combined company dividend discount value by the merger exchange ratio of 0.42x. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">General</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In performing its analyses, Hovde made numerous assumptions with respect to industry performance, general business, economic, market and financial conditions and other matters, which are beyond the control of Hovde, Brookline and Berkshire. Any estimates contained in the analyses performed by Hovde are not necessarily indicative of actual values or future results, which may be significantly more or less favorable than suggested by these analyses. Additionally, estimates of the value of businesses or securities do not purport to be appraisals or to reflect the prices at which such businesses or securities might actually be sold. Accordingly, these analyses and estimates are inherently subject to substantial uncertainty. In addition, the Hovde opinion was among several factors taken into consideration by the Brookline board of directors in making its determination to approve the Merger Agreement and the Mergers. Consequently, the analyses described above should not be viewed as determinative of the decision of the Brookline board of directors with respect to the fairness of the exchange ratio. Further, events and developments occurring after the date of the Hovde opinion could materially affect the assumptions used in preparing the opinion, and Hovde does not have any obligation to update, revise or reaffirm its opinion. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Conclusion</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Based upon the foregoing analyses and other investigations and assumptions as set forth in its opinion, without giving specific weightings to any one factor, analysis or comparison, Hovde determined that, as of the date of its opinion, subject to the matters, assumptions and limitations set forth in the opinion and pursuant to the terms of the Merger Agreement, the exchange ratio in the Mergers is fair from a financial point of view to the holders of Brookline common stock. The full text of the Hovde opinion is included in this Joint Proxy Statement/Prospectus as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex C</font><font style="letter-spacing:0.2pt;">. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Berkshire&#8217;s Reasons for the Mergers; Recommendation of Berkshire&#8217;s Board of Directors</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">After careful consideration, the Berkshire board of directors, at a special meeting on December&#160;15, 2024, unanimously (i)&#160;determined that the Merger Agreement and the transactions contemplated thereby, including the Mergers and the issuance of Berkshire common stock, are advisable and fair to and in the best interests of Berkshire and its stockholders, (ii)&#160;approved and adopted the Merger Agreement, and the transactions contemplated thereby (including the Mergers, the issuance of Berkshire common stock, and the bank Merger Agreement) and (iii)&#160;recommended the approval by Berkshire stockholders of the Berkshire share issuance proposal and the other merger-related matters to be voted on at the Berkshire special meeting. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In reaching this decision, the Berkshire board of directors evaluated the Merger Agreement, the Mergers and the other matters contemplated by the Merger Agreement in consultation with Berkshire&#8217;s senior management, as well as with Berkshire&#8217;s legal and financial advisors, and considered a number of factors, including the following: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">each of Berkshire&#8217;s and Brookline&#8217;s business, operations, financial condition, asset quality, earnings and prospects; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">88</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the strategic fit of the business lines (commercial and retail banking) and the operating philosophies of the two institutions, including that Berkshire&#8217;s and Brookline&#8217;s respective businesses, operations and risk profiles complement each other; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the effectiveness of the Mergers as a method of implementing and accelerating Berkshire&#8217;s strategies for consolidating Berkshire&#8217;s presence in highly attractive geographies across New England and New York, including some of the most affluent areas in the United States; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the current and prospective environment in the financial services industry, including economic conditions and the interest rate and regulatory environments, the accelerating pace of technological change in the financial services industry, operating costs resulting from regulatory and compliance mandates, scale and marketing expenses, increasing competition from both banks and non-bank financial and financial technology firms, current financial market conditions, current employment market conditions and the likely effects of these factors on Berkshire&#8217;s potential growth, development, productivity and strategic options both with and without the Mergers; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the expanded possibilities for growth that would be available to Berkshire, given its expanded suite of product offerings, larger capital and deposit base, and broader footprint in New England and surrounding areas; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the compatibility of Berkshire&#8217;s and Brookline&#8217;s cultures and values, including their conservative risk management and compliance cultures and shared commitment to customer service, employee experience, community reinvestment, active community involvement, and environmental, social and governance efforts; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the compatibility of Berkshire&#8217;s and Brookline&#8217;s credit philosophies, and the expectation that following the completion of the Mergers there will be an increase in Berkshire&#8217;s lending to small-to-mid-sized businesses and individuals, consistent with the low credit-risk profile of both Berkshire and Brookline; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the complementary nature of Berkshire&#8217;s and Brookline&#8217;s products, customers and footprints, which Berkshire believes should provide the opportunity to mitigate risks, generate additional capital and increase potential returns; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the benefits and opportunities Brookline will bring to Berkshire, including enhanced scale and product offerings, which will improve the ability of the surviving corporation to attract and retain customers and talent; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the benefits and opportunities Berkshire will bring to Brookline, including enhanced scale and product offerings, which will improve the ability of the surviving corporation to attract and retain customers and talent; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">its views with respect to the strategic alternatives potentially available to Berkshire, including continuing as a standalone company focusing exclusively on organic growth, pursuing other acquisitions, pursuing transformative transactions (including large acquisitions) or a transaction involving the sale of Berkshire; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the fact that the Mergers would combine two solid banking franchises to create a bank with over $24.0&#160;billion in assets; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the expectation that the transaction will be generally tax-free for United States federal income tax purposes to Berkshire stockholders; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the anticipated pro&#160;forma financial impact of the Mergers on Berkshire, including tangible book value dilution that has the potential to be earned back following completion of the Mergers, as well as the positive impact on earnings, earnings per share, return on equity, asset quality, balance sheet diversity, funding costs and potential capital generation; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the expectation of cost synergies resulting from the Mergers, which will enable, among other things, increased spending on technology that will enhance the existing strong risk management systems utilized by Berkshire and Brookline and deliver more innovative digital products and better service to the surviving corporation&#8217;s customers and employees; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">89</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">its review and discussions with Berkshire&#8217;s senior management concerning Berkshire&#8217;s due diligence examination of Brookline, including with respect to, among other areas, its operations, financial condition, credit quality, loan portfolio and legal and regulatory compliance programs and prospects; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">its understanding that Berkshire stockholders will own approximately fifty-five&#160;percent (55%) of the surviving corporation&#8217;s common stock; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the fact that the exchange ratio is fixed, with no adjustment in the Merger Consideration to be received by Brookline stockholders as a result of possible increases or decreases in the trade price of Brookline common stock or Berkshire common stock following the announcement of the Mergers, which the Berkshire board of directors believed was consistent with market practice for transactions of this type and with the strategic purpose of the proposed transaction; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the opinion, dated December&#160;16, 2024, of Raymond James to Berkshire&#8217;s board of directors as to the fairness, from a financial point of view and as of the date of the opinion, to Berkshire of the exchange ratio in the Mergers, as more fully described below under &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers &#8212; Opinion of Berkshire&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221;; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">its review with Raymond James of the financial terms of the Merger Agreement and its review with Berkshire&#8217;s outside legal counsel of the material terms of the Merger Agreement, including the representations, covenants, transaction protection and termination provisions, tax treatment and closing conditions; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">its expectation that the requisite regulatory approvals could be obtained in a timely fashion; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the fact that Berkshire stockholders will have the opportunity to vote to approve the Berkshire share issuance; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the fact that eight of 16 total directors of the surviving corporation will be current members of the Berkshire board of directors (including Mr.&#160;Brunelle); </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.1pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the fact that Mr.&#160;Brunelle will continue to serve as the Chairman of the board of directors of the surviving corporation, and Mr.&#160;Gray will serve as the Chief Operations Officer of the surviving corporation; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.09pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.09pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">the execution of employment-related agreements with Mr.&#160;Gray in connection with the execution of the Merger Agreement, and Berkshire&#8217;s belief that the continued service of Mr.&#160;Gray will allow the surviving corporation to benefit from a deeply experienced and highly respected executive with a track record of superior operational execution and will enhance the likelihood that the strategic benefits that Berkshire expects to achieve as a result of the Mergers will be realized; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s and Brookline&#8217;s past records of integrating several acquisitions and of realizing expected financial and other benefits of such acquisitions and the strength of Berkshire&#8217;s management and infrastructure, which can be leveraged to successfully complete the integration process. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">The Berkshire board of directors also considered the potential risks related to the proposed transaction. The board concluded that the anticipated benefits of combining with Brookline were likely to outweigh these risks substantially. These potential risks included: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility that the anticipated benefits of the proposed transaction will not be realized when expected or at all, including as a result of the impact of, or difficulties arising from, the integration of the two companies or as a result of general economic and market conditions and competitive factors in the areas where Berkshire and Brookline operate businesses; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the costs to be incurred in connection with the Mergers and the integration of Brookline&#8217;s business into Berkshire&#8217;s and the possibility that the proposed transaction and the integration may be more expensive to complete than anticipated, including as a result of unexpected factors or events; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility that the anticipated pro&#160;forma impact of the Mergers on Berkshire will not be realized when expected or at all as a result of unexpected changes in financial market or economic conditions, including as a result of sustained market volatility or significant changes in interest rates; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">90</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the impact of anticipated purchase accounting adjustments, including to reflect the Berkshire securities portfolio and loans and leases at a preliminary estimate of their fair value, on the anticipated pro&#160;forma tangible book value and regulatory capital levels of Berkshire and Berkshire Bank; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility of encountering difficulties in achieving anticipated cost savings and synergies in the amounts currently estimated or within the time frame currently contemplated; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the possibility of encountering difficulties in successfully integrating the businesses, operations and workforces of Berkshire and Brookline; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the risk of losing key Berkshire or Brookline employees during the pendency of the Mergers and following the closing; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the possible diversion of management focus and resources from the operation of Berkshire&#8217;s business while working to implement the proposed transaction and integrate the two companies; </font>
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          <font style="letter-spacing:0.2pt;">the risk that the regulatory and other approvals required in connection with the Mergers may not be received in a timely manner or at all or may impose conditions that may adversely affect the anticipated operations, synergies and financial results of Berkshire following the completion of the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">the ownership dilution caused by Berkshire&#8217;s issuance of additional shares of its capital stock in connection with the proposed transaction; </font>
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          <font style="letter-spacing:0.2pt;">the restrictions on the conduct of Berkshire&#8217;s business during the period between execution of the Merger Agreement and the consummation of the Mergers, which could potentially delay or prevent Berkshire from undertaking business opportunities that might arise or certain other actions it might otherwise take with respect to its operations absent the pendency of the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">the potential for legal claims challenging the Mergers; and </font>
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          <font style="letter-spacing:0.2pt;">the other risks described under the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Cautionary Statement About Forward-Looking Statements.</font><font style="letter-spacing:0.2pt;">&#8221; </font>
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          <font style="letter-spacing:0.2pt;">The foregoing discussion of the information and factors considered by the Berkshire board of directors is not intended to be exhaustive, but includes the material factors considered by the board. In reaching its decision to approve the Merger Agreement and the transactions contemplated by the Merger Agreement, the Berkshire board of directors did not quantify or assign any relative weights to the factors considered, and individual directors may have given different weights to different factors. The board considered all these factors as a whole, including discussions with, and questioning of, Berkshire&#8217;s management and Berkshire&#8217;s independent financial and legal advisors, and overall considered the factors to support its determination. </font>
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          <font style="letter-spacing:0.2pt;">For the reasons set forth above, the Berkshire board of directors determined that the Merger Agreement and the transactions contemplated thereby (including the Mergers and the Berkshire stock issuance) are advisable and fair to and in the best interests of Berkshire and its stockholders. </font>
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          <font style="letter-spacing:0.2pt;">Certain of Berkshire&#8217;s directors and executive officers have other interests in the Mergers that are different from, or in addition to, those of Berkshire stockholders generally, as discussed under the caption &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Interests of Berkshire&#8217;s Directors and Executive Officers in the Mergers</font><font style="letter-spacing:0.2pt;">,&#8221; below. The Berkshire board of directors was aware of and considered these potential interests, among other matters, in evaluating the Mergers and in making its recommendation to Berkshire stockholders. </font>
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          <font style="letter-spacing:0.2pt;">It should be noted that this explanation of the reasoning of the Berkshire board of directors and all other information presented in this section is forward-looking in nature and, therefore, should be read in light of the factors discussed in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Cautionary Statement About Forward-Looking Statements</font><font style="letter-spacing:0.2pt;">&#8221; on page [&#8199;&#8199;&#8199;]. </font>
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          <font style="letter-spacing:-0.2pt;">Accordingly, the Berkshire board of directors unanimously recommends that Berkshire stockholders vote &#8220;FOR&#8221; the Berkshire Share Issuance Proposal, &#8220;FOR&#8221; the Berkshire Certificate of Incorporation Amendment Proposal, &#8220;FOR&#8221; the Berkshire Equity Plan&#160;Proposal, and &#8220;FOR&#8221; the Berkshire Adjournment Proposal</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">91</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">Opinion of Berkshire&#8217;s Financial Advisor</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Berkshire retained Raymond James as financial advisor on June&#160;27, 2024. Raymond James is a globally-recognized investment banking firm offering a full range of investment banking services to its clients. In the ordinary course of its investment banking business, Raymond James is regularly engaged in the valuation of financial institutions and their securities in connection with mergers and acquisitions and other corporate transactions. Pursuant to that engagement, the Berkshire board of directors requested that Raymond James evaluate the fairness, from a financial point of view, of the exchange ratio pursuant to the Merger Agreement to Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">At the December&#160;15, 2024 meeting of the Berkshire board of directors, representatives of Raymond James rendered Raymond James&#8217;s opinion, subsequently confirmed in writing and dated December&#160;16, 2024, to the Berkshire board of directors (in its capacity as such), as to the fairness, as of such date, from a financial point of view, of the exchange ratio in the Mergers pursuant to the Merger Agreement to Berkshire, based upon and subject to the assumptions made, procedures followed, matters considered and qualifications and limitations on the scope of review undertaken by Raymond James in connection with the preparation of its opinion. </font>
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          <font style="letter-spacing:-0.2pt;">The full text of the written opinion of Raymond James is attached as </font><font style="font-style:italic;letter-spacing:-0.2pt;">Annex B</font><font style="letter-spacing:-0.2pt;"> to this Joint Proxy Statement/</font>&#8203;<font style="letter-spacing:-0.2pt;">Prospectus. The summary of the opinion of Raymond James set forth in this Joint Proxy Statement/Prospectus is qualified in its entirety by reference to the full text of such written opinion. Berkshire stockholders are urged to read the entire opinion carefully in connection with their consideration of the Merger Agreement and the Mergers. The opinion of Raymond James speaks only as of the date of the opinion and does not reflect any developments that may occur or may have occurred after the date of its opinion and prior to the completion of the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font></div>
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          <font style="letter-spacing:0.2pt;">Raymond James provided its opinion for the information of the Berkshire board of directors (in its capacity as such) in connection with, and for purposes of, its consideration of the Mergers and its opinion only addresses whether the exchange ratio in the Mergers pursuant to the Merger Agreement was fair, from a financial point of view, to Berkshire. The opinion of Raymond James does not address any other term or aspect of the Merger Agreement or the Mergers contemplated thereby, the underlying business decision of Berkshire to engage in the Mergers, the form or structure of the Mergers, the relative merits of the Mergers as compared to any other alternative business strategies that might exist for Berkshire, or any other transaction in which Berkshire might engage. The Raymond James opinion does not constitute a recommendation to the Berkshire board of directors or to any holder of Berkshire common stock as to how the Berkshire board of directors, such stockholder or any other person should vote or otherwise act with respect to the Mergers or any other matter. Raymond James does not express any opinion as to the likely trading range of Berkshire common stock following the Mergers, which may vary depending on numerous factors that generally impact the price of securities or on the financial condition of Berkshire at that time. Raymond James&#8217;s opinion was approved by Raymond James&#8217;s fairness opinion committee. </font>
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          <font style="letter-spacing:0.2pt;">In connection with its review of the proposed Mergers and the preparation of its opinion, Raymond James, among other things: </font>
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          <font style="letter-spacing:0.2pt;">reviewed the financial terms and conditions as stated in a draft of the Merger Agreement dated as of December&#160;14, 2024 (the &#8220;Draft Agreement&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">reviewed certain information related to the historical financial condition and prospects of Berkshire and Brookline, as made available to Raymond James by or on behalf of Berkshire, including, but not limited to, (a)&#160;financial projections for each of Berkshire and Brookline that were prepared using consensus analyst estimates for the&#160;years 2024, 2025 and 2026 with further&#160;years extrapolated based on appropriate growth rates, which estimates (including the growth rates utilized) were reviewed and&#160;approved for Raymond James&#8217;s use by the management of Berkshire (the &#8220;Projections&#8221;) and (b)&#160;certain forecasts and estimates of the amount and timing of potential cost savings, operating efficiencies, revenue effects, and other pro&#160;forma financial adjustments expected to result from the Mergers, as prepared by the management of Brookline and reviewed approved for Raymond James&#8217;s use by the management of Berkshire (the &#8220;Pro Forma Financial Adjustments&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">92</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">reviewed Berkshire&#8217;s and Brookline&#8217;s audited financial statements for the&#160;years ended December&#160;31, 2021, December&#160;31, 2022 and December&#160;31, 2023 and unaudited financial statements for the three-month period ended March&#160;31, 2024, three and six month periods ended June&#160;30, 2024 and three and nine month periods September&#160;30, 2024; </font>
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          <font style="letter-spacing:0.2pt;">reviewed certain of Berkshire&#8217;s and Brookline&#8217;s recent public filings and certain other publicly available information regarding Berkshire and Brookline that Raymond James deemed to be relevant; </font>
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          <font style="letter-spacing:0.2pt;">reviewed the financial and operating performance of Berkshire and Brookline and those of other selected public companies that Raymond James deemed to be relevant; </font>
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          <font style="letter-spacing:0.2pt;">reviewed the then-current and historical market prices for shares of Berkshire common stock and shares of Brookline common stock, and the then-current market prices of the publicly traded securities of certain other companies that Raymond James deemed to be relevant; </font>
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          <font style="letter-spacing:0.2pt;">compared the relative contributions of Berkshire and Brookline to certain historical and projected financial statistics of the combined company on a pro&#160;forma basis; </font>
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          <font style="letter-spacing:0.2pt;">reviewed certain potential pro&#160;forma financial effects of the Mergers on earnings per share, capitalization and financial ratios of Berkshire, as well as certain balance sheet assumptions, including the offer and sale by Berkshire of approximately $100&#160;million of Berkshire common stock to support the Mergers, as provided by the management of Berkshire (the &#8220;Offering&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">conducted such other financial studies, analyses and inquiries and considered such other information and factors as Raymond James deemed appropriate; </font>
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          <font style="letter-spacing:0.2pt;">received a certificate addressed to Raymond James from the chief financial officer of Berkshire regarding, among other things, the accuracy of the information, data and other materials (financial or otherwise) provided to, or discussed with, Raymond James by or on behalf of Berkshire; and </font>
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          <font style="letter-spacing:0.2pt;">discussed with members of the senior management of Berkshire certain information relating to the aforementioned and any other matters that Raymond James deemed relevant to its inquiry including, but not limited to, the past and then-current business operations of Berkshire and Brookline, respectively, and the financial condition and future prospects and operations of Berkshire and Brookline, respectively. </font>
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          <font style="letter-spacing:0.2pt;">With Berkshire&#8217;s consent, Raymond James assumed and relied upon the accuracy and completeness of all information that was available to Raymond James from public sources, supplied by or on behalf of Berkshire or Brookline or otherwise reviewed by or discussed with Raymond James, and Raymond James did not undertake any duty or responsibility to, nor did Raymond James, independently verify any of such information. Furthermore, Raymond James undertook no independent analysis of any potential or actual litigation, regulatory action, possible unasserted claims or other contingent liabilities, to which Berkshire or Brookline was a party or may have been subject, or of any governmental investigation of any possible unasserted claims or other contingent liabilities to which Berkshire or Brookline was a party or may become subject. With Berkshire&#8217;s consent, the opinion of Raymond James made no assumption concerning, and therefore did not consider, the potential effects of any such litigation, claims or investigations or possible assertions. Raymond James is not an expert in generally accepted accounting principles in the United States (GAAP) in general and also specifically regarding the evaluation of loan and lease portfolios for purposes of assessing the adequacy of allowance for credit losses or any other reserves. Raymond James did not independently verify such allowance for credit losses or review or examine any individual loan or credit files. Raymond James assumed, with Berkshire&#8217;s consent, that the allowance for credit losses (i)&#160;set forth in the respective financial statements of Berkshire and Brookline were adequate to cover such losses, (ii)&#160;would be adequate on a pro&#160;forma basis for the combined company and (iii)&#160;complied fully with applicable law, regulatory policy and sound banking practices as of the date of such financial statements. Raymond James did not make or obtain an independent appraisal of the assets or liabilities (contingent or otherwise) of Berkshire or Brookline. </font>
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          <font style="letter-spacing:0.2pt;">With respect to the Projections, Pro Forma Financial Adjustments, and any other information and data provided to or otherwise reviewed by or discussed with Raymond James, Raymond James, with Berkshire&#8217;s consent, assumed that the Projections, Pro Forma Financial Adjustments and such other </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">93</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">information and data were reasonably prepared in good faith on bases reflecting (or, in the case of the Projections with respect to 2024, 2025 and 2026, which were prepared using consensus analyst estimates for the&#160;years 2024, 2025 and 2026, are consistent with) the best then-currently available estimates and judgments of management of each of Berkshire and Brookline, and Raymond James relied upon Berkshire to advise Raymond James promptly if any information previously provided became inaccurate or was required to be updated during the period of its review. Raymond James expressed no opinion with respect to the Projections, the Pro Forma Financial Adjustments or the assumptions on which they were based. Raymond James assumed that the final form of the Merger Agreement would be substantially similar to the Draft Agreement reviewed by Raymond James, and that the Mergers would be consummated in accordance with the terms of the Merger Agreement without waiver or amendment of any conditions thereto. In addition, Raymond James assumed that the Offering would occur on the terms and in the time frame described by management of Berkshire. Furthermore, Raymond James assumed, in all respects material to its analysis, that the representations and warranties of each party contained in the Merger Agreement were true and correct and that each such party would perform all of the covenants and agreements required to be performed by it under the Merger Agreement without being waived. Raymond James relied upon and assumed, without independent verification, that (i)&#160;the Mergers would be consummated in a manner that complies in all respects with all applicable federal and state statutes, rules and regulations, and (ii)&#160;all governmental, regulatory and other consents and approvals necessary for the consummation of the Mergers would be obtained and that no delay, limitations, restrictions or conditions would be imposed or amendments, modifications or waivers made that would have an effect on the Mergers, Berkshire or Brookline that would be material to its analyses or opinion. </font>
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          <font style="letter-spacing:0.2pt;">The Raymond James opinion was based upon market, economic, financial and other circumstances and conditions existing and disclosed to Raymond James as of December&#160;13, 2024, and any material change in such circumstances and conditions would require a reevaluation of the Raymond James opinion, which Raymond James is under no obligation to undertake. Raymond James relied upon and assumed, without independent verification, that there had been no change in the business, assets, liabilities, financial condition, results of operations, cash flows or prospects of Berkshire or Brookline since the respective dates of the most recent financial statements and other information, financial or otherwise, provided to Raymond James that would be material to Raymond James&#8217;s analyses or opinion, and that there was no information or any facts that would make any of the information reviewed by Raymond James incomplete or misleading in any material respect. As the Berkshire board of directors was aware, the credit, financial and stock markets had been experiencing, and do experience, volatility from time to time and Raymond James expressed no opinion or view as to any potential effects of such volatility on the Mergers, Berkshire or Brookline. The Raymond James opinion did not purport to address any potential developments in any such credit, financial and stock markets on the exchange ratio after December&#160;16, 2024. </font>
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          <font style="letter-spacing:0.2pt;">Raymond James expressed no opinion as to the underlying business decision to effect the Mergers, the structure or tax consequences of the Mergers, or the availability or advisability of any alternatives to the Mergers. Raymond James provided advice to Berkshire with respect to the proposed Mergers. Raymond James did not, however, recommend any specific amount of consideration or that any specific consideration constituted the only appropriate consideration for the Mergers. Raymond James did not solicit indications of interest with respect to a transaction involving Berkshire nor did Raymond James advise Berkshire with respect to its strategic alternatives. The opinion of Raymond James did not express any opinion as to the likely trading range of the shares of Berkshire common stock or Brookline common stock following the announcement or consummation of the Mergers, which may vary depending on numerous factors that generally impact the price of securities or on the financial condition of Berkshire or Brookline at that time. The Raymond James opinion was limited to the fairness, from a financial point of view, to Berkshire, of the exchange ratio as of the date of the Raymond James opinion. </font>
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          <font style="letter-spacing:0.2pt;">Raymond James expressed no opinion with respect to any other reasons, legal, business, or otherwise, that may support the decision of the Berkshire board of directors to approve or consummate the Mergers. Furthermore, no opinion, counsel or interpretation was intended by Raymond James on matters that require legal, accounting or tax advice. Raymond James assumed that such opinions, counsel or interpretations had been or would be obtained from appropriate professional sources. Furthermore, Raymond James relied, with the consent of Berkshire, on the fact that Berkshire was assisted by legal, accounting and tax advisors, and, with the consent of Berkshire, relied upon and assumed the accuracy and completeness of the assessments </font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">94</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">by Berkshire and its advisors, as to all legal, accounting and tax matters with respect to Berkshire, Brookline and the Mergers, including, without limitation, that the Mergers would qualify as a reorganization within the meaning of Section&#160;368(a) of the Internal Revenue Code of 1986, as amended. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">In formulating its opinion, Raymond James considered only the exchange ratio, and Raymond James did not consider, and did not express an opinion on, the fairness of the amount or nature of any compensation to be paid or payable to any person or entity (including any of Berkshire&#8217;s or Brookline&#8217;s officers, directors or employees) or class of any persons and/or entities, whether relative to the consideration to be paid by Berkshire or otherwise. Raymond James was not requested to opine as to, and its opinion did not express an opinion as to or otherwise address, among other things: (1)&#160;the fairness of the Mergers to the holders of any class of securities, creditors or other constituencies of Berkshire or Brookline, or to any other party, except and only to the extent expressly set forth in the last sentence of its opinion or (2)&#160;the fairness of the Mergers to any one class or group of Berkshire, Brookline or any other party&#8217;s security holders or other constituents vis-&#224;-vis any other class or group of Berkshire, Brookline or such other party&#8217;s security holders or other constituents (including, without limitation, the allocation of any consideration to be received in the Mergers amongst or within such classes or groups of security holders or other constituents). Raymond James expressed no opinion as to the impact of the Mergers on the solvency or viability of Berkshire or Brookline or the ability of Berkshire or Brookline to pay their respective obligations when they come due. Raymond James did not undertake an independent analysis of Berkshire&#8217;s anticipated funding sources for the Mergers, whether cash, debt, or a combination thereof. With Berkshire&#8217;s consent, Raymond James&#8217;s opinion made no assumption concerning, and therefor did not consider, the potential effects of any funding sources on the Mergers, other than the Offering. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Material Financial Analyses</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The following summarizes the material financial analyses reviewed by Raymond James with the Berkshire board of directors at its meeting on December&#160;15, 2024, which material was considered by Raymond James in rendering its opinion. No company used in the analyses described below is identical or directly comparable to Berkshire or Brookline. The summary below is not a complete description of all the analyses underlying the Raymond James opinion or the presentation made by Raymond James to the Berkshire board of directors, but is a summary of the material financial analyses performed and presented by Raymond James. The summary includes information presented in tabular format. </font><font style="font-weight:bold;letter-spacing:-0.2pt;">In order to fully understand the material financial analyses reviewed by Raymond James, these tables must be read together with the accompanying text. The tables alone do not constitute a complete description of such material financial analyses</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Contribution Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Raymond James analyzed the relative contribution of Berkshire and Brookline to certain financial and operating metrics for the pro&#160;forma combined company resulting from the Mergers based on the balance sheet for the period ended September&#160;30, 2024. The financial and operating metrics included: (i)&#160;assets; (ii)&#160;gross loans; (iii)&#160;deposits; (iv)&#160;core deposits (defined as total deposits less time deposits); (v)&#160;tangible common equity; (vi)&#160;core net income for the last twelve&#160;months (&#8220;LTM&#8221;), ended September&#160;30, 2024 as calculated by S&amp;P Global Market Intelligence; (vii)&#160;consensus estimated 2025 net income; and (viii)&#160;consensus estimated 2026 net income. Forward net income estimates were based on median consensus estimates as shown by S&amp;P Global Market Intelligence. The estimates published by Wall Street research analysts were not prepared in connection with the Mergers or at the request of Raymond James and may or </font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">95</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">may not prove to be accurate. The relative contribution analysis did not give effect to any potential synergies and cost savings as a result of the Mergers. The results of this analysis are summarized in the table below: </font>
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        <table style="width:456pt;height:161.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;height:13.75pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:328.39pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Relative Contribution </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;" colspan="4" rowspan="2">
              <div style="text-align:center; line-height:9pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Ratio </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
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          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:328.39pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BHLB </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BRKL </font>
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total Assets </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">50.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.483<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Gross Loans </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.506<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total Deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.3<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">47.7<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.438<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total Core Deposits </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">53.6<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">46.4<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.415<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tangible Common Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">52.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">47.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.442<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">LTM Core Net Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">54.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">45.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.408<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2025 Estimated Net Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">51.2<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">48.8<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.458<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2026 Estimated Net Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">50.1<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">49.9<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.478<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:328.39pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio in the Merger </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.035pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.825pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.420<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:4.88pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:6.01pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Selected Companies Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Raymond James reviewed certain data for selected companies with publicly traded equity securities that it deemed relevant in its professional judgment for its analysis. The selected groups represented companies Raymond James believed to be relevant to each of Berkshire and Brookline. Raymond James selected certain bank and thrift companies that: (i)&#160;were headquartered in New&#160;England (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont) and the Mid-Atlantic (Delaware, District of Columbia, Maryland, New Jersey, New York and Pennsylvania); (ii)&#160;had total assets between $8.0&#160;billion and $20.0&#160;billion; and (iii)&#160;were traded on either the Nasdaq or the New York Stock Exchange. The aforementioned financial characteristics were shown for the bank subsidiary if consolidated data was unavailable, and the financial characteristics were based on the most recent quarter period reported as of September&#160;30, 2024, if available, otherwise for the quarter period reported as of June&#160;30, 2024. The selected groups excluded (i)&#160;companies that were targets of announced mergers and acquisitions; (ii)&#160;mutual holding companies; and (iii)&#160;The Bancorp, Inc. due to its differentiated business model. No company used in the analysis described below is identical or directly comparable to either Berkshire or Brookline. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The selected companies (and respective valuation metrics) that Raymond James deemed relevant include the following: </font>
        </div>
        <table style="width:456pt;height:227.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Selected Companies for BHLB </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Price / </font>
                <br >
                <font style="letter-spacing:-0.16pt;">TBV </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Price / LTM </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Core EPS </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Price / </font>
                <br >
                <font style="letter-spacing:-0.16pt;">2025 EPS </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Price / </font>
                <br >
                <font style="letter-spacing:-0.16pt;">2026 EPS </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Independent Bank Corp. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">152<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.2<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Community Financial System, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">396<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">19.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">NBT Bancorp Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">217<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">17.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">15.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.2<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Dime Community Bancshares, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">136<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">22.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.2<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.7<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">OceanFirst Financial Corp. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">101<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.3<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.5<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">First Commonwealth Financial Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">182<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.7<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">117<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.6<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.7<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Eagle Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">72<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">21.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">9.7<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">ConnectOne Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">109<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.4<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.8<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.5<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">S&amp;T Bancorp, Inc. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">162<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Flushing Financial Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">68<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.3<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.6<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Amalgamated Financial Corp. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">157<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">10.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Univest Financial Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">132<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.7<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.6<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.7<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:277.25pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tompkins Financial Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:11.25pt; text-align:right; white-space:nowrap;">176<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:3.42pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">16.4<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:12.1pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">14.8<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.4<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.895pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:6.01pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Raymond James calculated various financial multiples for each selected public company, including the closing price per share on December&#160;13, 2024, compared to: (i)&#160;tangible book value (&#8220;TBV&#8221;), per share; </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">96</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:42.68pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">(ii)&#160;last twelve&#160;months core earnings per share (&#8220;LTM Core EPS&#8221;), as calculated by S&amp;P Global Market Intelligence; (iii)&#160;estimated 2025 earnings per share (&#8220;2025 EPS&#8221;), based on consensus estimates as shown by S&amp;P Global Market Intelligence; and (iv)&#160;estimated 2026 earnings per share (&#8220;2026 EPS&#8221;), based on consensus estimates as shown by S&amp;P Global Market Intelligence. The estimates published by Wall Street research analysts were not prepared in connection with the Mergers or at the request of Raymond James and may not prove to be accurate. Raymond James reviewed the 25</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;"> percentile and the 75</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;"> percentile relative valuation multiples of the selected public companies for Berkshire and Brookline. The results of the selected companies&#8217; analysis for each of Berkshire and Brookline are summarized below: </font>
        </div>
        <table style="width:456pt;height:82pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:278.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BHLB Multiples </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BRKL Multiples </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:278.01pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">25th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">75th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">25th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">75th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:278.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">TBV per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">111<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">172<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">112<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">172<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:278.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">LTM Core EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.2<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">17.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.2<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">17.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:278.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2025 EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">11.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.8<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.1<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">13.8<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:278.01pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2026 EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">8.9<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:13.5pt; text-align:right; white-space:nowrap;">12.0<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:7.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.19pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">Taking into account the results of the selected companies analysis, Raymond James applied the 25</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;">&#160;percentile and 75</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;"> percentile of the price to tangible book value per share ratio and earnings per share&#160;multiples to corresponding financial data for Berkshire and Brookline. Raymond James reviewed the ranges of implied per share values and calculated a range of implied exchange ratios by dividing the higher implied per share value of Brookline by the lower implied per share value of Berkshire to calculate the high implied exchange ratio, and by dividing the lower implied per share value of Brookline by the higher implied per share value of Berkshire to calculate the low implied exchange ratio. The results of the selected companies&#8217; analysis are summarized below: </font>
        </div>
        <table style="width:456pt;height:110.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;height:9.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:186.9pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied Per Share Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="10" rowspan="2">
              <div style="text-align:center; line-height:9pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:186.9pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BHLB </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BRKL </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:186.9pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">25th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">75th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">25th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">75th Pctl. </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Low/High </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">High/Low </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:186.9pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">TBV per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">27.16</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">42.29</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">12.12</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">18.58</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.287<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.684x</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:186.9pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">LTM Core EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">26.43</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">36.84</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.01</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.35</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.299<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.581x</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:186.9pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2025 EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">28.50</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">33.11</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">13.08</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">14.96</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.395<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.525x</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:186.9pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">2026 EPS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">24.49</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">33.10</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.53</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.58</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.348<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.636x </td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:186.9pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio in the Merger </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.395pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.420<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.2pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Discounted Cash Flow Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Raymond James performed a discounted cash flow analysis of Berkshire and Brookline based on the Projections. Consistent with the periods included in the Projections, Raymond James used estimated calendar year 2029 as the final year for the analysis and applied multiples, ranging from 11.0x to 15.0x for Berkshire and Brookline, to estimated calendar year 2029 earnings in order to derive a range of estimated terminal values for Berkshire and Brookline in 2029. For both Berkshire and Brookline, Raymond James used discount rates ranging from 10.6% to 12.6%. The discount rate ranges were chosen to reflect different assumptions regarding the required rates of return of holders or prospective buyers of Berkshire or Brookline common stock. Raymond James reviewed the ranges of implied per share values indicated by the discounted cash flow analysis for each of Berkshire and Brookline and calculated a range of implied exchange ratios by dividing the maximum implied per share value of Brookline common stock by the minimum implied per share value of Berkshire common stock to calculate the maximum implied exchange ratio, and by dividing the minimum implied per share value of Brookline </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">97</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">common stock by the maximum implied per share value of Berkshire common stock to calculate the minimum implied exchange ratio. The results of the discounted cash flow analysis are summarized in the table below: </font>
        </div>
        <table style="width:456pt;height:65.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;height:9.25pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:206.06pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="22">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Implied Per Share Value </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;" rowspan="2">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="10" rowspan="2">
              <div style="text-align:center; line-height:9pt; padding-bottom:0pt;">
                <font style="letter-spacing:-0.16pt;">Implied </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;" rowspan="2">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;height:13.5pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:206.06pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BHLB </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:0pt;" colspan="10">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">BRKL </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:206.06pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Low </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">High </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Low </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">High </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Low/High </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">High/Low </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:206.06pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net Income Terminal Multiple </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">25.19</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">33.56</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">11.40</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">15.46</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">0.340<font style="position:absolute;">x</font></td>
            <td style="padding:0pt;padding-left:5.425pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24pt; text-align:right; white-space:nowrap;">0.614x </td>
            <td style="padding:0pt;padding-left:2.925pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:206.06pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio in the Merger </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:17.25pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:0pt;" colspan="10">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">0.420x</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:7.8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Pro Forma Discounted Cash Flow Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Raymond James performed a discounted cash flow analysis to estimate an illustrative range for the implied equity value of the pro&#160;forma combined company, taking into account the Pro Forma Financial Adjustments. In this analysis, Raymond James used the Projections for Berkshire and Brookline and the Pro Forma Financial Adjustments. Consistent with the periods included in the Projections, Raymond James used estimated calendar year 2029 as the final year for the analysis and applied multiples ranging from 10.5x to 14.5x to the pro&#160;forma combined company&#8217;s estimated calendar year 2029 adjusted earnings to derive a range of estimated terminal values for the combined company. Raymond James used discount rates ranging from 10.4% to 12.4%. The discount rate range was chosen to reflect different assumptions regarding the required rate of return of holders or prospective buyers of the pro&#160;forma combined company&#8217;s common stock. This discounted cash flow analysis resulted in an illustrative range of implied values per share for the pro&#160;forma combined company of $28.70 to $39.57. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The discounted cash flow analysis is a widely used valuation methodology, but the results of such methodology are highly dependent on the assumptions that must be made, including asset and earnings growth rates, terminal values and discount rates. The above analyses did not purport to be indicative of the actual values or expected values of Berkshire, Brookline or the pro&#160;forma combined company. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Pro Forma Impact Analysis</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Raymond James performed a pro&#160;forma financial impact analysis that combined projected balance sheet at close and 2025 and 2026 estimated EPS information of Berkshire and Brookline. In the analysis, Raymond James used (i)&#160;closing balance sheet estimates as of September&#160;30, 2025 for each of Berkshire and Brookline from the Projections; (ii)&#160;financial forecasts from the Projections for each of Berkshire and Brookline for the year ending 2025 and the year ending 2026; (iii)&#160;the Pro Forma Financial Adjustments; and (iv)&#160;the Offering. Items (i)&#160;&#8201;&#8211;&#8201;(iv)&#160;above were all reviewed and approved by Berkshire management for Raymond James&#8217;s use. Raymond James analyzed the estimated financial impact of the Mergers on certain projected financial results of Berkshire. This analysis indicated that the Mergers are expected to be approximately 17.2% dilutive to Berkshire&#8217;s estimated tangible book value per share at September&#160;30, 2025, accretive to Berkshire&#8217;s estimated 2025 earnings per share by approximately 14.0% and accretive to Berkshire&#8217;s estimated 2026 earnings per share by approximately 40.2%. For all of the above analyses, the actual results achieved by Berkshire following the Mergers may vary from the projected results, and the variations may be material. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Additional Considerations</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The preparation of a fairness opinion is a complex process and is not susceptible to a partial analysis or summary description. Raymond James believes that its analyses must be considered as a whole and that selecting portions of its analyses, without considering the analyses taken as a whole, would create an incomplete view of the process underlying its opinion. In addition, Raymond James considered the results of all such analyses and did not assign relative weights to any of the analyses, but rather made qualitative judgments as to the significance and relevance of each analysis and factor, so the ranges of valuations resulting from any particular analysis described above should not be taken to be the view of Raymond James as to the actual value of Berkshire. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In performing its analyses, Raymond James made numerous assumptions with respect to industry performance, general business, economic and regulatory conditions and other matters, many of which are beyond the control of Berkshire. The analyses performed by Raymond James are not necessarily indicative of actual values, trading values or actual future results that might be achieved, all of which may be significantly more or less favorable than suggested by such analyses. Such analyses were provided to the Berkshire board of directors (in its capacity as such) and were prepared solely as part of the analysis of Raymond </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">98</font>
          <br >
        </div>
      </div>
      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">James of the fairness, from a financial point of view, of the exchange ratio in the proposed Mergers pursuant to the Merger Agreement to Berkshire. The analyses do not purport to be appraisals or to reflect the prices at which companies may actually be sold, and such estimates are inherently subject to uncertainty. The opinion of Raymond James was one of many factors taken into account by the Berkshire board of directors in making its determination to approve the Mergers. Neither Raymond James&#8217;s opinion nor the analyses described above should be viewed as determinative of the Berkshire board of directors&#8217; or Berkshire management&#8217;s views with respect to Berkshire, Brookline or the Mergers. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For its services as financial advisor to Berkshire in connection with the Mergers, Berkshire has agreed to pay Raymond James a transaction fee of $7.0&#160;million, $1.0&#160;million of which was due and payable upon the rendering of Raymond James&#8217;s opinion (regardless of the conclusion reached in the opinion) and the remainder of which will be paid upon, and subject to, consummation of the Mergers. In addition to the transaction fee, Raymond James served as a placement agent on Berkshire&#8217;s $100&#160;million private placement of common equity that closed on December&#160;19, 2024, and was paid a placement agent fee of $3.4&#160;million. Berkshire has also agreed to reimburse Raymond James for its expenses incurred in connection with its services, including the fees and expenses of its counsel, and will indemnify Raymond James against certain liabilities arising out of its engagement. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Raymond James is actively involved in the investment banking business and regularly undertakes the valuation of investment securities in connection with public offerings, private placements, business combinations and similar transactions. In the ordinary course of business, Raymond James may trade in the securities of Berkshire and Brookline for its own account and for the accounts of its customers and, accordingly, may at any time hold a long or short position in such securities. In the two-year period preceding the date of its opinion letter, Raymond James engaged in certain fixed income trading activity with Berkshire Bank, a subsidiary of Berkshire, for which it received compensation. In the two-year period preceding the date of its opinion letter, Raymond James did not receive any fees from Brookline. Furthermore, Raymond James may provide investment banking, financial advisory and other financial services to Berkshire and/or Brookline or other participants in the Mergers in the future, for which Raymond James may receive compensation. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Unaudited Prospective Financial Information</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Neither Berkshire nor Brookline as a matter of course makes public projections as to future performance, revenues, earnings or other financial results due to, among other reasons, the inherent uncertainty of the underlying assumptions and estimates. However, Berkshire and Brookline are each including in this document certain unaudited prospective financial information that was made available by Brookline or by Berkshire in connection with the Mergers as described below. The inclusion of this information should not be regarded as an indication that any of Brookline, Berkshire, Raymond James, or Hovde, their respective representatives or any other recipient of this information considered, or now considers, it to be necessarily predictive of actual future results, or that it should be construed as financial guidance, and it should not be relied on as such. This information was prepared solely for internal use and is subjective in many respects. While presented with numeric specificity, the unaudited prospective financial information reflects numerous estimates and assumptions made with respect to business, economic, market, competition, regulatory and financial conditions and matters specific to Berkshire&#8217;s and Brookline&#8217;s business, all of which are difficult to predict and many of which are beyond each party&#8217;s control. The unaudited prospective financial information reflects both assumptions as to certain business decisions that are subject to change and, in many respects, subjective judgment, and thus is susceptible to multiple interpretations and periodic revisions based on actual experience and business developments. No assurance can be given that the unaudited prospective financial information and the underlying estimates and assumptions will be realized. In addition, since the unaudited prospective financial information covers multiple&#160;years, such information by its nature becomes less predictive with each successive year. Actual results may differ materially from those set forth below, and important factors that may affect actual results and cause the unaudited prospective financial information to be inaccurate include, but are not limited to, risks and uncertainties relating to Berkshire&#8217;s and Brookline&#8217;s business, industry performance, general business and economic conditions, customer requirements, competition and adverse changes in applicable laws, regulations or rules. For other factors that could cause actual results to differ, please see the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Cautionary Statement About Forward-Looking Statements</font><font style="letter-spacing:0.2pt;">&#8221; beginning on pages [&#8199;&#8199;] and [&#8199;&#8199;], respectively, of this document. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">99</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The unaudited prospective financial information was not prepared with a view toward public disclosure, nor was it prepared with a view toward compliance with generally accepted accounting principles, published guidelines of the SEC or the guidelines established by the American Institute of Certified Public Accountants for preparation and presentation of prospective financial information. In addition, the unaudited prospective financial information requires significant estimates and assumptions that make it inherently less comparable to the similarly titled generally accepted accounting principles measures in each party&#8217;s historical generally accepted accounting principles financial statements. Neither Berkshire&#8217;s nor Brookline&#8217;s independent registered public accounting firm, nor any other independent accountants, have compiled, examined or performed any procedures with respect to the unaudited prospective financial information contained in this document, nor have they expressed any opinion or any other form of assurance on such information or its achievability. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Furthermore, the unaudited prospective financial information does not consider any circumstances, transactions or events occurring after the date it was prepared. No assurance can be given that, had the unaudited prospective financial information been prepared as of the date of this document, similar estimates and assumptions would be used. Neither Berkshire nor Brookline intends to, and each party disclaims any obligation to, make publicly available any update or other revision to the unaudited prospective financial information to reflect circumstances existing since their preparation or to reflect the occurrence of unanticipated events, even if any or all of the underlying assumptions are shown to be in error, or to reflect changes in general economic or industry conditions. The unaudited prospective financial information does not consider the possible financial and other effects on either Brookline or Berkshire, as applicable, of the Mergers and does not attempt to predict or suggest future results of the surviving corporation after giving effect to the Mergers. The unaudited prospective financial information does not give effect to the Mergers, including the impact of negotiating or executing the Merger Agreement, the expenses that may be incurred in connection with completing the Mergers, the potential synergies that may be achieved by the surviving corporation as a result of the Mergers, the effect on either Brookline or Berkshire, as applicable, of any business or strategic decision or action that has been or will be taken as a result of the Merger Agreement having been executed, or the effect of any business or strategic decisions or actions that would likely have been taken if the Merger Agreement had not been executed, but that were instead altered, accelerated, postponed or not taken in anticipation of the Mergers. Further, the unaudited prospective financial information does not consider the effect on either Brookline or Berkshire, as applicable, of any possible failure of the Mergers to occur. By inclusion of the unaudited prospective financial information in this document, none of Brookline, Berkshire, Raymond James, Hovde or their respective affiliates, associates, officers, directors, advisors, agents or other representatives makes any representation to any stockholder of Brookline, stockholder of Berkshire or any other person regarding Brookline&#8217;s ultimate performance compared to the information contained in the unaudited prospective financial information or that the projected results will be achieved. The inclusion of the unaudited prospective financial information in this document should not be deemed an admission or representation by Brookline or Berkshire that it is viewed as material information, particularly in light of the inherent risks and uncertainties associated with such forecasts. The summary of the unaudited prospective financial information included below is not being included to influence your decision whether to vote to approve the Mergers, but is being provided solely because it was made available by Brookline or by Berkshire, in connection with the Mergers as described below. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In light of the foregoing, and considering that the annual meeting and special meeting of Berkshire&#8217;s and Brookline&#8217;s stockholders will be held many&#160;months after the unaudited prospective financial information was prepared, as well as the uncertainties inherent in any forecasted information, stockholders are cautioned not to place unwarranted reliance on such information, and Berkshire and Brookline urge all stockholders to review Berkshire&#8217;s and Brookline&#8217;s financial statements and other information contained elsewhere in this document for a description of Berkshire&#8217;s and Brookline&#8217;s respective businesses and reported financial results as filed with the SEC. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Stand-Alone Berkshire Prospective Financial Information used by Raymond James</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The following table presents the consensus Wall Street research estimates for Berkshire&#8217;s 2024, 2025 and 2026 net income available to common stockholders, earnings per share and total assets, that were used by Raymond James, as reviewed and approved for Raymond James&#8217;s use by the management of Berkshire, in the financial </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">100</font>
          <br >
        </div>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12.5pt;font-style:italic;">
          <font style="font-style:normal;letter-spacing:0.2pt;">analyses performed in connection with Raymond James&#8217;s opinion as described in &#8220;</font><font style="letter-spacing:0.2pt;">The Merger&#8201;&#8212;&#8201;Opinion of Berkshire&#8217;s Financial Advisor</font><font style="font-style:normal;letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;&#8199;]. </font>
        </div>
        <table style="width:456pt;height:67pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:294.68pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">At or for the 12 Months Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">(Dollars in millions, except per share data) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net income to common stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">64.7</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">101.2</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">116.2</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Earnings per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.53</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2.39</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2.75</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">11,648</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,232</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,853</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.19pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of extrapolating Berkshire&#8217;s financial results for 2027 through 2029, Berkshire&#8217;s management directed Raymond James to use, among other things, estimated long-term annual growth rates of 5.0% for Berkshire&#8217;s net income for 2027 through 2029, an estimated annual growth rate for loans of 5.0% for 2027 through 2029 and an estimated annual growth rate for deposits of 5.0% for 2027 through 2029. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Stand-Alone Brookline Prospective Financial Information used by Raymond James</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The following table presents the consensus Wall Street research estimates for Brookline&#8217;s 2024, 2025 and 2026 net income available to common stockholders, earnings per share and total assets, that were used by Raymond James, as reviewed and approved for Raymond James&#8217;s use by the management of Berkshire, in the financial analyses performed in connection with Raymond James&#8217;s opinion as described in &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Berkshire&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;&#8199;]. </font>
        </div>
        <table style="width:456pt;height:67pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:294.68pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">At or for the 12 Months Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">(Dollars in millions, except per share data) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net income to common stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">72.8</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">96.7</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">115.5</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Earnings per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.82</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.08</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.29</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">11,786</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,256</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,764</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.19pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of extrapolating Brookline&#8217;s financial results for 2027 through 2029, Berkshire&#8217;s management directed Raymond James to use, among other things, estimated long-term annual growth rates of 5.0% for Brookline&#8217;s net income for 2027 through 2029, an estimated annual growth rate for loans of 5.0% for 2027 through 2029 and an estimated annual growth rate for deposits of 5.0% for 2027 through 2029. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Stand-Alone Berkshire Prospective Financial Information used by Hovde</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The following table presents the consensus Wall Street research estimates for Berkshire&#8217;s 2024, 2025 and 2026 net income available to common stockholders, earnings per share and total assets, that were used by Hovde, as reviewed and approved for Hovde&#8217;s use by the management of Brookline, in the financial analyses performed in connection with Hovde&#8217;s opinion as described in &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Brookline&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;&#8199;]. </font>
        </div>
        <table style="width:456pt;height:63pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:294.68pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">At or for the 12 Months Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">(Dollars in millions, except per share data) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:2.75pt 0pt 2pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.75pt 0pt 1pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net income to common stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">64.7</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">101.2</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:2.75pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:2.75pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">116.2</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Earnings per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.50</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2.34</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2.69</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">11,696</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,058</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3pt 0pt 1pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,437</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:9.2pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of extrapolating Berkshire&#8217;s financial results for 2027 through 2029, Brookline&#8217;s management directed Hovde to use, among other things, estimated long-term annual growth rates of 5.0% for Berkshire&#8217;s net income for 2027 through 2029, an estimated annual growth rate for loans of 3.0% for 2027 through 2029 and an estimated annual growth rate for deposits of 3.0% for 2027 through 2029. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Stand-Alone Brookline Prospective Financial Information used by Hovde</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The following table presents the consensus Wall Street research estimates for Brookline&#8217;s 2024, 2025 and 2026 net income available to common stockholders, earnings per share and total assets, that were used by Hovde, as reviewed and approved for Hovde&#8217;s use by the management of Brookline, in the financial analyses performed in connection </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">101</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">with Hovde&#8217;s opinion as described in &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Brookline&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
        </div>
        <table style="width:456pt;height:67pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:294.68pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;text-align:center;" colspan="16">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">At or for the 12 Months Ended December&#160;31, </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">(Dollars in millions, except per share data) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2024 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2025 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2026 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Net income to common stockholders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">72.8</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">96.6</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">115.5</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Earnings per share </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">0.81</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.07</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">1.28</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:294.68pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Total assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">11,763</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,108</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">12,499</td>
            <td style="padding:0pt;padding-left:4.53pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="text-indent:20pt; margin-top:7.9pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of extrapolating Brookline&#8217;s financial results for 2027 through 2029, Brookline&#8217;s management directed Hovde to use, among other things, estimated long-term annual growth rates of 5.0% for Brookline&#8217;s net income for 2027 through 2029, an estimated annual growth rate for loans of 3.0% for 2027 through 2029 and an estimated annual growth rate for deposits of 3.0% for 2027 through 2029. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Estimated Synergies Attributable to the Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The management of Brookline and Berkshire developed and provided to their respective boards of directors certain prospective financial information relating to the anticipated strategic, financial and operational benefits to, and synergies to be realized by, Berkshire following the completion of the merger in 2025. Such prospective financial information also was (i)&#160;provided to Raymond James and approved by Berkshire for Raymond James&#8217;s use and reliance and (ii)&#160;provided to Hovde and approved by Brookline for Hovde&#8217;s use and reliance, in each case in connection with such financial advisors&#8217; respective financial analyses and opinions as described in this joint proxy statement/prospectus under the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Berkshire&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers&#8201;&#8212;&#8201;Opinion of Brookline&#8217;s Financial Advisor</font><font style="letter-spacing:0.2pt;">&#8221; beginning on pages [&#8199;&#8199;&#8199;] and [&#8199;&#8199;&#8199;], respectively. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Such prospective financial information included, among other things, (i)&#160;estimated cost savings of approximately 12.6% of the combined company&#8217;s non-interest expense base, some portion of which were phased-in during the fourth quarter of 2025 and 100% in 2026 and thereafter; (ii)&#160;pre-tax merger related charges of approximately $93.0&#160;million (of which $10.0 million was paid in 2024); and (iii)&#160;certain estimated purchase accounting adjustments. Such prospective financial information assumed a hypothetical September&#160;30, 2025 closing date for the merger. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">See above in this section for further information regarding the uncertainties underlying the prospective financial information, including the synergy estimates, as well as the sections entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Cautionary Statement Concerning Forward-Looking Statements</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Risk Factors</font><font style="letter-spacing:0.2pt;">&#8221; beginning on pages [&#8199;&#8199;&#8199;] and [&#8199;&#8199;&#8199;], respectively, for further information regarding the uncertainties and factors associated with realizing synergies in connection with the merger. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Treatment of Berkshire Stock Options and Restricted Stock Awards</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At the effective time of the Mergers, all outstanding time or performance-based restricted stock awards under the Berkshire Stock Plans will accelerate in full and fully vest. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Mergers. All outstanding and unexercised stock options under the Berkshire Stock Plans, shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest, and shall remain outstanding with the same exercise price to which they were subject prior to the effective time of the Mergers, and except as noted above, shall not otherwise be affected by the Mergers. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Treatment of Brookline Restricted Stock Awards</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At the effective time of the Mergers, all outstanding time or performance-based restricted stock awards under the Brookline Stock Plan will accelerate in full and fully vest, and be considered outstanding shares for all purposes, including the right to receive the Merger Consideration. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Mergers. </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">102</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Procedures for the Surrender of Stock Certificates</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The conversion of Brookline common stock into the right to receive the Merger Consideration will occur automatically at the effective time of the Mergers. As soon as practicable after the completion of the Mergers, but in no event later than five business days thereafter, the exchange agent will mail to Brookline stockholders a letter of transmittal, together with instructions for the exchange of their Brookline common stock certificates for the Merger Consideration. When such Brookline stockholders deliver their Brookline stock certificates to the exchange agent with a properly completed and duly executed letter of transmittal and any other required documents, their Brookline stock certificates will be canceled and in exchange Brookline stockholders will receive, as allocated to them: </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the number of whole shares of Berkshire common stock that they are entitled to receive under the Merger Agreement; and </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">if applicable, a check representing the amount of cash that they are entitled to receive in lieu of any fractional shares. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">No interest will be paid or accrued on any cash to be paid in lieu of fractional shares of Berkshire common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Brookline stockholders are not entitled to receive any dividends or other distributions on Berkshire common stock with a record date after the closing date of the merger until they have surrendered their Brookline stock certificates in exchange for a Berkshire stock certificate. After the surrender of their Brookline stock certificates, Brookline stockholders of record will be entitled to receive any dividend or other distribution, without interest, which had become payable with respect to their Berkshire common stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">After the completion of the Mergers, there will be no further transfers of Brookline common stock. Brookline stock certificates presented for transfer after the completion of the Mergers will be canceled and exchanged for the Merger Consideration. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Accounting Treatment of the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The merger of Merger Sub with and into Brookline, immediately followed by the merger of Brookline with and into Berkshire, will be accounted for as a reverse acquisition using the acquisition method of accounting, in accordance with the provisions of FASB ASC Topic 805-10, Business Combinations, which provides guidance related to reverse acquisitions including determination of accounting and legal acquirer. Factors considered within this guidance included, but were not limited to, the following: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the relative voting interests of Brookline stockholders and Berkshire stockholders in the surviving corporation after the Mergers are completed; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the composition of the board of directors of the surviving corporation after the Mergers are completed; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the composition of executive and senior management of the surviving corporation after the Mergers are completed; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the terms of the exchange of equity securities in the Mergers; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the relative size of Brookline and Berkshire at the time of the Mergers. </font>
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          <font style="letter-spacing:0.2pt;">Given that the Mergers are a merger of equals, many of the factors are non-determinative because they are evenly split between Brookline and Berkshire. The composition of executive and senior management of the surviving corporation weighs in favor of Brookline as the surviving corporation&#8217;s Chief Executive Officer, Chief Financial Officer, Chief Banking Officer and Chief Credit Officer are current Brookline executive officers. Based on these factors and consideration of all the relevant facts and circumstances of the Mergers, for accounting purposes, Brookline is considered to be acquiring Berkshire in this transaction. As a result, the assets and liabilities of Berkshire as of the effective date of the Mergers will be recorded at their respective estimated fair values and added to those of Brookline. Any excess of the purchase price consideration over the net estimated fair values of Berkshire&#8217;s assets and liabilities, including core deposit intangible assets, will be allocated to goodwill. The goodwill resulting from the Mergers will not be amortized, but instead will </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">103</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">be reviewed for impairment on at least an annual basis. To the extent goodwill is impaired, its carrying value would be written down to its fair value with a corresponding charge to earnings. Core deposit intangible assets with definite useful lives will be amortized to expense over their estimated useful lives on an accelerated basis. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In periods following the completion of the Mergers, the comparative historical financial statements of Berkshire will be those of Brookline prior to the Mergers. These financial statements will reflect the results attributable to the acquired operations of Berkshire, as the acquired company for accounting purposes, beginning on the date the Mergers are completed. The unaudited pro&#160;forma combined condensed consolidated financial information contained in this document has been prepared using the acquisition method of accounting. See &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Unaudited Pro Forma Combined Condensed Consolidated Financial Information.</font><font style="letter-spacing:0.2pt;">&#8221; </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Material United States Federal Income Tax Consequences of the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">General.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;The following discussion sets forth certain material United States federal income tax consequences of the Mergers to United States Holders (as defined below) of Brookline common stock that exchange their shares of Brookline common stock for the Merger Consideration. This discussion also does not address any tax consequences arising under the laws of any state, locality, foreign jurisdiction or United States federal tax laws other than federal income tax law. This discussion is based upon the Internal Revenue Code, the regulations of the United States Department of the Treasury promulgated thereunder (the &#8220;Treasury Regulations&#8221;), judicial decisions, administrative rulings, current administrative interpretations and official pronouncements of the Internal Revenue Service (the &#8220;IRS&#8221;) in effect on the date of this document, all of which may change, possibly retroactively, and affect materially and adversely the tax consequences described below. No assurance can be given that the IRS would not assert, or that a court would not sustain, a position contrary to any of the tax consequences described below. This summary does not address any tax consequences of the Mergers under state, local or foreign laws, or any federal laws other than those pertaining to income tax. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For purposes of this discussion, the term &#8220;United States Holder&#8221; means a beneficial owner of Brookline common stock that is: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">an individual citizen or resident of the United States for United States federal income tax purposes; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">a corporation (or any other entity taxable as a corporation for United States federal income tax purposes) created or organized under the laws of the United States or any of its political subdivisions; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a trust that (1)&#160;is subject to the supervision of a court within the United States and the control of one or more United States persons or (2)&#160;has a valid election in effect under applicable Treasury Regulations to be treated as United States person; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">an estate that is subject to United States federal income tax on its income regardless of its source. </font>
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          <font style="letter-spacing:0.2pt;">This discussion assumes that the United States Holders hold their shares of Brookline common stock as a capital asset within the meaning of Section&#160;1221 of the Internal Revenue Code, which generally means as property held for investment. Further, this discussion does not address all aspects of United States federal income taxation that may be relevant to United States Holders in light of their investments or particular tax circumstances or that may be applicable to them if they are subject to special treatment under the United States federal income tax laws, including if you are: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">a bank or other financial institution; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">a tax-exempt organization; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">an investor in an S corporation or other pass-through entity; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">an insurance company; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a mutual fund; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a dealer in securities or foreign currencies; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a trader in securities who elects the mark-to-market method of accounting for your securities; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">104</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a regulated investment company; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a real estate investment trust; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.21pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.21pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a person who may be subject to the alternative minimum tax provisions of the Internal Revenue Code; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a United States Holder who received Brookline common stock through the exercise of employee stock options or otherwise as compensation for services or through a tax-qualified retirement plan; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a person who has a functional currency for tax purposes (as defined in Section&#160;985 of the Internal Revenue Code) other than the United States dollar; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.21pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.21pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a non- United States Holder; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.2pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a government or agency or instrumentality thereof; or </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.21pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.21pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">a United States Holder who holds Brookline common stock as part of a hedge, straddle or a constructive sale or conversion transaction. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">If a partnership (including an entity or other arrangement that is treated as a partnership for United States federal income tax purposes) holds Brookline common stock, the tax treatment of a partner in the partnership will generally depend on the status of such partner and the activities of the partnership. Partnerships and partners in partnerships should consult their own tax advisors about the tax consequences of the Mergers applicable to them. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">This discussion is not intended to be tax advice to any particular United States Holder. Tax matters regarding the Mergers are complicated, and the tax consequences of the Mergers to you will depend on your particular situation. United States Holders are urged to consult their tax advisors as to the United States federal income (including the alternative minimum tax) tax consequences of the Mergers, as well as the effects of United States federal estate, state, local, and other federal non-income and non-United States tax laws and of the changes in such laws</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">It is a condition to the closing of the Mergers that Berkshire receive the opinion of its legal counsel, Luse Gorman, PC, and Brookline receive the opinion of its legal counsel, Goodwin Procter LLP, each dated as of the effective time of the Mergers, substantially to the effect that, on the basis of facts, representations and assumptions set forth or referred to in that opinion (including factual representations contained in certificates of officers of Berkshire and Brookline), the Mergers will be treated for United States federal income tax purposes as a reorganization within the meaning of Section&#160;368(a) of the Internal Revenue Code. The opinions will assume that the Mergers will be completed according to the terms of the Merger Agreement and that the parties will report the transaction in a manner consistent with the opinion. The opinion will rely on the facts as stated in the Merger Agreement, the Registration Statement on Form&#160;S-4 (of which this Joint Proxy Statement/Prospectus is a part) and certain other documents. In rendering the tax opinions, counsel will rely on representations of Berkshire and Brookline, to be updated as of the effective time of the Mergers (and will assume that any such representation that is qualified by belief, knowledge or materiality is true, correct and complete without such qualification). The tax opinions represent counsels&#8217; best legal judgement but are not binding on the IRS or any court. Berkshire and Brookline have not sought and will not seek any ruling from the IRS regarding any matters relating to the Mergers and, as a result, there can be no assurance that the IRS will not assert, or that a court would not sustain, a position contrary to any of the conclusions set forth below. In addition, if any of the representations or assumptions upon which the opinions are based are inconsistent with the actual facts, the United States federal income tax consequences of the Mergers could be adversely affected. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Based on representations contained in representation letters of officers of Berkshire and Brookline, all of which must continue to be true and accurate in all material respects as of the effective time of the Mergers, and subject to the other matters set forth above, it is the opinion of Luse Gorman, PC and Goodwin Procter LLP, that the Mergers will qualify as a reorganization within the meaning of Section&#160;368(a)(1)(A) of the Internal Revenue Code, in which event each of Berkshire and Brookline will be a party to such reorganization. Based on the foregoing, and subject to the limitations and qualifications described herein, the material United States federal income tax consequences of the Mergers will generally be as follows: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">no gain or loss will be recognized by Berkshire or Brookline; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">105</font>
          <br >
        </div>
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">no gain or loss generally will be recognized by a United States Holder upon the receipt of shares of Berkshire common stock in exchange for his or her Brookline stock pursuant to the Mergers (except in respect of cash received in lieu of fractional shares, as discussed below); </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the aggregate adjusted tax basis of the shares of Berkshire common stock received by the United States Holder in the Mergers will be the same as the aggregate adjusted tax basis of shares of Brookline stock surrendered in exchange therefor, reduced by the tax basis allocable to any fractional share of Berkshire common stock for which cash is received; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6.99pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the holding period of Berkshire common stock received by a United States Holder will include the holding period of the Brookline stock exchanged therefor; and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">although no fractional shares of Berkshire common stock will be issued in the Mergers, a United States Holder who receives cash in lieu of such a fractional share of Berkshire common stock will generally be treated as having received the fractional share pursuant to the Mergers and then having sold that fractional share of Berkshire common stock for cash. As a result, a United States Holder will generally recognize gain or loss equal to the difference between the amount of cash received and the portion of the holder&#8217;s aggregate adjusted tax basis of the shares of Brookline stock surrendered that is allocable to its fractional share. Any capital gain or loss will be long-term capital gain or loss if the holding period for the fractional share (including the holding period of the shares of Brookline stock surrendered therefor) is more than one year. Long-term capital gains of individuals generally are eligible for reduced rates of taxation. The deductibility of capital losses is subject to limitations. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">For purposes of the above discussion of the bases and holding periods for shares of Brookline stock and Berkshire common stock, United States Holders who acquired different blocks of Brookline stock at different times or at different prices must calculate their basis and holding periods separately for each identifiable block of such stock exchanged or received in the Mergers. Each United States Holder should consult his or her own tax advisor with regard to identifying the basis or holding periods of the particular shares of Berkshire common stock received in the Mergers. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Backup Withholding</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Payments of cash (including cash in lieu of a fractional share, if any) to a United States Holder may, under certain circumstances, be subject to information reporting and backup withholding (currently at a rate of 24%) unless such holder provides proof of an applicable exemption or, in the case of backup withholding, furnishes such holder&#8217;s taxpayer identification number and otherwise complies with the backup withholding rules. Any amounts withheld from payments to a United States Holder under the backup withholding rules are not an additional tax and generally will be allowed as a refund or credit against such holder&#8217;s federal income tax liability provided that the holder timely furnishes the required information to the IRS. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Reporting Requirements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;United States Holders who receive Berkshire common stock pursuant to the Mergers will be required to retain records pertaining to the Mergers. Any United States Holder who is required to file a United States federal income tax return and that, immediately before the Mergers, holds at least 5% (by vote or value) of the outstanding Brookline stock, or securities of Brookline with a basis for federal income tax purposes of at least $1&#160;million, will be required to file with the holder&#8217;s United States federal income tax return for the year in which the Mergers take place a statement in accordance with Treasury Regulations&#160;Section&#160;1.368-3 setting forth such holder&#8217;s basis in the Brookline common stock surrendered and the fair market value of the Berkshire common stock and cash received in the Mergers. United States Holders are urged to consult with their tax advisors with respect to these and other reporting requirements applicable to the Mergers. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">The preceding discussion is a summary of certain material United States federal income tax consequences of the Mergers to a United States Holder and does not address all potential tax consequences that apply or that may vary with, or are contingent on, individual circumstances, and should not be construed as tax advice. Moreover, the discussion does not address any United States federal (including estate tax and alternative minimum tax) non-income tax or any foreign, state or local tax consequences of the Merger. Tax matters are very complicated and, accordingly, we strongly urge you to consult with a tax advisor to determine the particular federal, state, local and foreign income and other tax consequences to you of the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">106</font>
          <br >
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      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Regulatory Approvals</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">To consummate the transactions contemplated by the Merger Agreement, the parties need to obtain approvals, consents or waivers from, or make filings with, a number of U.S. federal and state bank regulatory agencies. Subject to the terms of the Merger Agreement, the parties have agreed to cooperate with each other and use their reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings (and in the case of the applications, notices, petitions and filings in respect of the requisite regulatory approvals, use their reasonable best efforts to make such filings within forty (40) days of the date of the Merger Agreement), to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and governmental entities which are necessary or advisable to consummate the transactions contemplated by the Merger Agreement (including the Merger, the Holdco Merger, and the Bank Merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such governmental entities. The term &#8220;requisite regulatory approvals&#8221; means all regulatory authorizations, consents, orders or approvals (and the expiration or termination of all statutory waiting periods in respect thereof) from the Federal Reserve, the MDOB, the NYSDFS and the RIDOB and as otherwise set forth in the Merger Agreement that are necessary to consummate the transactions contemplated by the Merger Agreement, including the Merger, the Holdco Merger and the Bank Merger, or those the failure of which to be obtained would reasonably be expected to have, individually or in the aggregate, a material adverse effect on Berkshire, as the surviving entity in the Holdco Merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Under the terms of the Merger Agreement, Berkshire and Brookline, and their respective subsidiaries, will not be required or, without the written consent of the other party, permitted to take any action, or commit to take any action, or agree to any condition or restriction in connection with obtaining the foregoing permits, consents, approvals and authorizations of governmental entities or regulatory agencies that would reasonably be expected to have a material adverse effect on Berkshire and its subsidiaries, taken as a whole, after giving effect to the Merger, the Holdco Merger and the Bank Merger (a &#8220;materially burdensome regulatory condition&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Mergers and the Bank Merger cannot proceed in the absence of the requisite regulatory approvals. See &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Conditions to Completing the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Terminating the Merger Agreement</font><font style="letter-spacing:0.2pt;">.&#8221; There can be no assurance that the requisite regulatory approvals will be obtained, and if obtained, there can be no assurance as to the date of any approval. There also can be no assurance that any regulatory approvals will not contain a condition or requirement that causes the approvals to fail to satisfy one or more conditions set forth in the Merger Agreement and described under &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Conditions to Completing the Merger</font><font style="letter-spacing:0.2pt;">s&#8221;. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The approval of any application merely implies the satisfaction of regulatory criteria for approval, which does not include, for example, review of the Mergers from the standpoint of the adequacy of the Merger Consideration. Furthermore, regulatory approvals do not constitute an endorsement or recommendation with respect to the transaction. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Federal Reserve</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Mergers and the Bank Merger are subject to the approval of the Federal Reserve (i)&#160;pursuant to section 3 of the Bank Holding Company Act of 1956, as amended (the &#8220;BHC Act&#8221;), with respect to the Merger and the Holdco Merger, unless the Federal Reserve grants a waiver of the formal application and approval requirements, and (ii)&#160;pursuant to section 18(c)(2)(B) of the Federal Deposit Insurance Act (the &#8220;Bank Merger Act&#8221;) with respect to the Bank Merger. The Federal Reserve takes into consideration a number of factors when acting on applications under section 3 of the BHC Act and the Bank Merger Act, respectively. These factors include the effect of the applicable transaction on competitiveness in affected banking markets, the financial and managerial resources (including consideration of the capital adequacy, liquidity and earnings performance, as well as the competence, experience and integrity of the officers, directors and principal stockholders, and the records of compliance with applicable laws and regulations) and future prospects of the combined organization. The Federal Reserve also considers the effectiveness of the applicant in combatting money laundering, the convenience and needs of the communities to be served, as well as the extent to which the proposal would result in greater or more concentrated risks to the stability of the U.S. banking or financial system. The Federal Reserve may not approve a proposal that would have significant adverse effects on competition or on the concentration of resources in any banking market. </font>
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          <font style="letter-spacing:0.2pt;">107</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="text-indent:20pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In considering an application under section 3 of the BHC Act and the Bank Merger Act, the Federal Reserve also reviews the records of performance of the relevant insured depository institutions under the Community Reinvestment Act (the &#8220;CRA&#8221;), pursuant to which the Federal Reserve must also take into account the record of performance of each of Berkshire and Brookline in meeting the credit needs of the entire community, including low- and moderate-income neighborhoods, served by their depository institution subsidiaries. As part of the review process in merger transactions, the Federal Reserve may receive protests from community groups and others. In their most recent CRA performance evaluations, Berkshire Bank received an overall &#8220;satisfactory&#8221; regulatory rating, and each of Brookline Bank, Bank Rhode Island, and PCSB Bank received an overall &#8220;satisfactory&#8221; regulatory rating. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Furthermore, the BHC Act and the Bank Merger Act require published notice of, and the opportunity for public comment on, the respective applications. The Federal Reserve takes into account the views of third-party commenters, particularly on the subject of the merging parties&#8217; CRA performance and record of service to their communities. The Federal Reserve is also authorized to hold one (1)&#160;or more public hearings or meetings if it determines that such hearings or meetings would be appropriate. The receipt of written comments or any public meeting or hearing could prolong the period during which the applicable application is under review. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Brookline Bank has filed the required application with the Federal Reserve relating to the Bank Merger. Berkshire intends to submit an application waiver request to the Federal Reserve relating to the Merger and the Holdco Merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Department of Justice</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Antitrust Division of the U.S. Department of Justice (the &#8220;DOJ&#8221;) conducts a concurrent competitive review of the Mergers to analyze the Mergers&#8217; competitive effects and determine whether the transaction would result in a violation of the antitrust laws. Mergers approved under section 3 of the BHC Act or the Bank Merger Act generally may not be completed until 30&#160;days after the approval of the applicable federal agency is received, during which time the DOJ may challenge the Mergers on antitrust grounds. With the approval of the applicable federal agency and the concurrence of the DOJ, the waiting period may be reduced to no less than 15&#160;days. The commencement of an antitrust action would stay the effectiveness of such an approval unless a court specifically ordered otherwise. In reviewing the Mergers, the DOJ could analyze their effect on competition differently than the Federal Reserve, and, thus, it is possible that the DOJ could reach a different conclusion than the Federal Reserve regarding the Mergers&#8217; effect on competition. A determination by the DOJ not to object to the Mergers may not prevent the filing of antitrust actions by private persons or state attorneys general. There can be no assurance if and when DOJ clearance will be obtained, or as to the conditions or limitations that such DOJ approval may contain or impose. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">State Regulatory Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Merger and the Holdco Merger are subject to approval of the NYSDFS, pursuant to Section&#160;143-b of the New York Banking Law. The Bank Merger is subject to the approval of the MDOB, pursuant to Chapter 167I of the Massachusetts General Laws, and the RIDOB, pursuant to Title 19, Chapter 7 of the Rhode Island General Laws. The NYSDFS, the MDOB and the RIDOB follow criteria similar to those used by the Federal Reserve. Berkshire has filed the required application with the NYSDFS, and Brookline Bank has filed the required applications with the MDOB and the RIDOB relating to the Bank Merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Additional Regulatory Approvals and Notices</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Additional notifications and/or applications requesting approval may be submitted to various other regulatory authorities and self-regulatory organizations in connection with the transaction. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Interests of Berkshire&#8217;s Directors and Executive Officers in the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire and Brookline stockholders should be aware that directors and executive officers of Berkshire have financial interests in the Mergers that are different from, or in addition to, those of Berkshire stockholders generally. As described in more detail below, these interests include certain payments and benefits that may be provided to directors and executive officers of Berkshire upon completion of the Mergers or upon termination of their employment under certain circumstances following the Mergers. These interests, to the extent material, are described below. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">108</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
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          <font style="letter-spacing:0.2pt;">For the purposes of this disclosure, the current executive officers of Berkshire are: </font>
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            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:137pt;">
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                <font style="letter-spacing:-0.16pt;">Name </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:3.5pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:312pt;text-align:center;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Position </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">Nitin J. Mhatre </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:312pt;">
              <font style="letter-spacing:0.2pt;">President and Chief Executive Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">Sean A. Gray </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:312pt;">
              <font style="letter-spacing:0.2pt;">Senior Executive Vice President, Chief Operating Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">James C. Brown </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:312pt;">
              <font style="letter-spacing:0.2pt;">Senior Executive Vice President, Head of Commercial </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">Gregory D. Lindenmuth </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:312pt;">
              <font style="letter-spacing:0.2pt;">Senior Executive Vice President, Chief Risk Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">Jacqueline Courtwright </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:312pt;white-space:normal;">
              <font style="letter-spacing:0.2pt;">Senior Executive Vice President, Chief Human Resources and Culture Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">Wm. Gordon Prescott </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:312pt;white-space:normal;">
              <font style="letter-spacing:0.2pt;">Senior Executive Vice President, General Counsel and Corporate Secretary </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.833pt 0pt; width:137pt;">
              <font style="letter-spacing:0.2pt;">Brett Brbovic </font>
            </td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:0pt; width:3.5pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.833pt 0pt; width:312pt;">
              <font style="letter-spacing:0.2pt;">Executive Vice President, Chief Financial Officer</font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="text-indent:20pt; margin-top:7.4pt; width:456pt; line-height:11pt;">
          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s current non-employee directors include David M. Brunelle, Mary Anne Callahan, Nina A. Charnley, Mihir A. Desai, William H. Hughes III, Jeffrey W. Kip, Sylvia Maxfield, Laurie Norton Moffatt, Karyn Polito, and Eric S. Rosengren. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Treatment of Berkshire Stock Options</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Merger Agreement provides that, at the effective time of the Merger, except as otherwise agreed between Berkshire and Brookline, all outstanding and unexercised stock options in respect of a share of Berkshire common stock under the Berkshire Stock Plans, shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest, and shall remain outstanding with the same exercise price to which they were subject prior to the effective time of the Mergers, and except as noted above, shall not otherwise be affected by the Mergers. The directors and executive officers of Berkshire do not hold any Berkshire stock options. As such, the Mergers will not result in Berkshire&#8217;s directors or executive officers receiving any enhanced vesting with respect to Berkshire stock options. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Treatment of Berkshire Restricted Stock Awards and Performance Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Merger Agreement provides that, at the effective time of the Merger, except as otherwise agreed between Berkshire and Brookline, all outstanding time or performance-based restricted stock awards in respect of a share of Berkshire common stock under the Berkshire Stock Plans will accelerate in full and fully vest. Any applicable performance-based vesting conditions will be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recently completed fiscal quarter prior to the closing of the Mergers. The directors do not hold any equity awards that will vest as a result of the Mergers. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The following tables set forth the number of unvested restricted stock awards and performance shares held by the executive officers and non-employee directors of Berkshire, as of March&#160;4, 2025, that will become vested as a result of the Merger. The estimated value of such awards is based on (i)&#160;the share price of Berkshire of $28.70, which is the average closing market price of Berkshire common stock on over the five business day period commencing on December&#160;16, 2024, multiplied by (ii)&#160;the total number of shares subject to each award. </font>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards (#) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Estimated </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Value of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
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                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
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                <font style="letter-spacing:-0.16pt;">Awards (#) </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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                <font style="letter-spacing:-0.16pt;">of Unvested </font>
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                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
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                <font style="letter-spacing:-0.16pt;">Awards ($) </font>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">11,188</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">321,096</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">James Brown </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">3,978</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">114,169</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">8,950</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">256,865</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Jacqueline Courtwright </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2,193</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">62,939</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,413</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">184,053</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Sean A. Gray </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">7,481</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">214,705</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">21,772</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">624,856</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Gregory D. Lindenmuth </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2,406</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">69,052</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,992</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">200,670</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Nitin J. Mhatre </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">13,185</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">378,410</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">38,327</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,099,985</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Wm. Gordon Prescott </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">2,031</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">58,290</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">5,902</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">169,387</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">109</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:213pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt; width:146.51pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards (#) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Estimated </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Value of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards (#) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1.917pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Estimated Value </font>
                <br >
                <font style="letter-spacing:-0.16pt;">of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3pt 0pt 1.25pt 0pt; width:146.51pt;text-align:left;">
              <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Directors</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.25pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">David M. Brunelle </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.25pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Mary Anne Callahan </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.25pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Nina A. Charnley </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.25pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Mihir A. Desai </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:13.665pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.25pt 0pt; min-width:7.5pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.25pt 0pt; width:146.51pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">William H. Hughes III </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Other Actions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In connection with the Merger Agreement, except as otherwise agreed between Berkshire and Brookline, Berkshire will not make any equity grants in calendar year 2025. Between the date of the Merger Agreement, December&#160;16, 2024, and the closing date of the Mergers, Berkshire may grant cash bonuses to executive officers and employees in lieu of equity grants, and such cash bonuses may be structured to replicate the economic value of the annual equity grants that executive officers and employees would have received if Berkshire were to make its equity grants consistent with past practice. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Agreements and Benefit Plans with Berkshire&#8217;s Directors and Executive Officers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Current Employment Agreement with Mr.&#160;Mhatre</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and Berkshire Bank previously entered into an employment agreement with Mr.&#160;Mhatre (the &#8220;CEO Employment Agreement&#8221;). In the event of a &#8220;change in control&#8221; &#8203;(as defined in the CEO Employment Agreement) of Berkshire or Berkshire Bank followed within twenty-four&#160;months by the executive&#8217;s involuntary termination of employment for a reason other than for cause or upon his voluntary termination for good reason, Mr.&#160;Mhatre will become entitled to severance payments and benefits equal to (1)&#160;a cash lump sum equal to the sum of: (a)&#160;three times his base salary and (b)&#160;three times the greater of the (i)&#160;average cash incentive earned in the prior three calendar&#160;years, or (ii)&#160;the cash incentive that would be paid at target for the fiscal year in which such termination occurs; (2)&#160;full vesting of any equity awards held by Mr.&#160;Mhatre (with performance-based equity awards vesting pro-rata based on the portion of the completed performance period and at the actual level of performance measures that have been achieved if reasonably determinable, or at target if the actual level of performance is not reasonably determinable), (3)&#160;a lump sum cash payment equal to his annual incentive at target for the year of termination or for the prior fiscal year if the incentive opportunity has not been determined (or, if greater, at the target annual incentive in effect immediately before the change in control), with such amount pro-rated through the date of termination. In addition, Mr.&#160;Mhatre would become entitled, at no expense to him, to the continuation of life insurance and non-taxable medical and dental coverage for thirty-six (36)&#160;months following his termination of employment, or if the coverage is not permitted by applicable law or if providing the benefits would subject the Bank to penalties, he will receive a cash lump sum payment equal to the value of the benefits. The Mergers constitute a &#8220;change in control&#8221; as defined in the CEO Employment Agreement. In the event Mr.&#160;Mhatre experiences an involuntary termination of employment for a reason other than for cause or a voluntary termination for good reason within twenty-four&#160;months of the Mergers, and assuming the Mergers occur on October&#160;1, 2025, Mr.&#160;Mhatre would be entitled to an estimated cash severance payment in the amount of $5,056,068. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">New Employment Agreement with Mr.&#160;Gray</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and Berkshire Bank previously entered into a change in control agreement with Mr.&#160;Gray (the &#8220;Gray CIC Agreement&#8221;), the terms of which have been previously disclosed and provide for severance benefits in the event of an involuntary termination of employment or termination by Mr.&#160;Gray for &#8220;good reason&#8221; after a change in control during the term of the Gray CIC Agreement. Concurrent with the signing of the Merger Agreement, Mr.&#160;Gray entered into an </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">110</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">employment agreement (the &#8220;Gray Employment Agreement&#8221;) with Berkshire, Berkshire Bank and Brookline Bank that will terminate and replace the Gray CIC Agreement effective as of the closing date of the Mergers. As a result, Mr.&#160;Gray will not receive any payments or benefits under his Gray CIC Agreement and Mr.&#160;Gray will not be entitled to any 280G gross up provided under the Gray CIC Agreement. The Gray Employment Agreement, which will become effective as of the closing date of the Mergers, sets forth the terms of Mr.&#160;Gray&#8217;s continued employment with Berkshire and Brookline Bank following the closing date. The Gray Employment Agreement provides for a base salary of $584,000 per year, subject to periodic review by the Berkshire board or compensation committee, and cash incentive compensation and equity awards as determined by the Berkshire board of directors or compensation committee from time to time. As of the closing of the Mergers, Mr.&#160;Gray&#8217;s target annual incentive compensation will be equal to 60% of his annual base salary and the target value of his annual equity award will have a grant date fair value of 50% of his base salary. Mr.&#160;Gray will also be eligible to participate in the employee benefit plans generally available to employees of Berkshire after the merger, subject to the terms of such plans. In addition, the Gray Employment Agreement provides for a retention payment of $3,917,540, half of which is payable on the one-year anniversary of the closing date of the Mergers, and half of which is payable on the second anniversary of the closing of the Mergers. In the event that Mr.&#160;Gray&#8217;s employment terminates after the closing of the Mergers by Berkshire without &#8220;cause&#8221;, on account of his death or disability, or by Mr.&#160;Gray for &#8220;good reason&#8221; &#8203;(as each term is defined in the Gray Employment Agreement), Mr.&#160;Gray will be entitled to full acceleration of any unpaid retention bonus payments. </font>
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          <font style="letter-spacing:0.2pt;">In the event of a termination of employment after the closing of the Merger by Berkshire without &#8220;cause&#8221; or by Mr.&#160;Gray for &#8220;good reason&#8221; &#8203;(as each term is defined in the Gray Employment Agreement), subject to Mr.&#160;Gray&#8217;s execution of a separation agreement and release of claims in favor of Berkshire, Berkshire Bank and Brookline Bank and such separation agreement becoming irrevocable, Mr.&#160;Gray is entitled to receive severance equal to (i)&#160;two times the sum of (A)&#160;Mr.&#160;Gray&#8217;s then-current base salary (or, in the case of a termination by the executive officer for good reason due to a reduction in base salary, the base salary in effect immediately prior to such reduction), (B)&#160;Mr.&#160;Gray&#8217;s target bonus for the then-current year, and (C)&#160;the value of Mr.&#160;Gray&#8217;s target equity award for the then-current year; provided, that such severance payments shall be reduced by the amount of accelerated retention payments; (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by Mr.&#160;Gray; (iii)&#160;subject to Mr.&#160;Gray&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Berkshire would have made to provide health insurance to Mr.&#160;Gray had he remained employed until the earlier of 24&#160;months from the date of termination or the date that Mr.&#160;Gray becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">In lieu of the payments the payments and benefits described in the paragraph above, in the event of a termination of employment on or within 12&#160;months after a &#8220;change in control&#8221; &#8203;(as defined in the Gray Employment Agreement) by either Berkshire without &#8220;cause&#8221; or by Mr.&#160;Gray for &#8220;good reason&#8221; &#8203;(as each term is defined in the Gray Employment Agreement), subject to Mr.&#160;Gray&#8217;s execution of a separation agreement and release of claims in favor of Berkshire, Berkshire Bank and Brookline Bank and such separation agreement and release of claims becoming fully effective, Mr.&#160;Gray is entitled to receive severance equal to (i)&#160;two times the sum of (A)&#160;Mr.&#160;Gray&#8217;s then-current base salary (or the base salary in effect immediately prior to the change in control, if higher), (B)&#160;Mr.&#160;Gray&#8217;s target bonus for the then-current year (or, the target bonus in effect immediately prior to the change in control, if higher) and (C)&#160;the value of Mr.&#160;Gray&#8217;s target equity award for the then-current year; (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by Mr.&#160;Gray; (iii)&#160;subject to Mr.&#160;Gray&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Berkshire would have made to provide health insurance to Mr.&#160;Gray had he remained employed until the earlier of 24&#160;months from the date of termination or the date that Mr.&#160;Gray becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">The Gray Employment Agreement includes a &#8220;clawback&#8221; provision in which Mr.&#160;Gray agrees that Berkshire can recoup any compensation or benefits provided to him that is required by applicable law to be subject to recovery or recoupment and non-competition and non-solicitation restrictions. </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Current Supplemental Executive Retirement Agreements with Messrs. Mhatre and Gray</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Mr.&#160;Mhatre is a party to a supplemental executive retirement agreement, dated April&#160;1, 2021 with Berkshire Bank (the &#8220;Mhatre SERP&#8221;). Under the terms of the Mhatre SERP, in the event of Mr.&#160;Mhatre&#8217;s termination of employment for a reason other than for cause prior to normal retirement age (age 65) and in connection with or within two&#160;years following a &#8220;change in control&#8221; &#8203;(as defined in the Mhatre SERP), Mr.&#160;Mhatre&#8217;s account balance shall become fully vested and the amount of the account balance shall be increased to equal the amount that Berkshire Bank would have otherwise credited Mr.&#160;Mhatre&#8217;s account through the calendar year in which Mr.&#160;Mhatre would have attained normal retirement age. The Merger Agreement provides that the Mhatre SERP will be terminated as of the closing date of the Mergers, and Mr.&#160;Mhatre will be paid $2.0&#160;million, which is the full normal retirement age benefit under the Mhatre SERP, no later than the first payroll cycle following the closing date of the Mergers. The Mergers constitute a &#8220;change in control&#8221; under the Mhatre SERP. </font>
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          <font style="letter-spacing:0.2pt;">Mr.&#160;Gray is a party to a supplemental executive retirement agreement, dated January&#160;1, 2019 with Berkshire Bank (the &#8220;Gray SERP&#8221;). Under the terms of the Gray SERP, in the event Mr.&#160;Gray&#8217;s employment is terminated for a reason other than for cause in connection with or within two&#160;years following a change in control (as defined in the Gray SERP), an amount equal to $1.0&#160;million will be paid to Mr.&#160;Gray in a single lump sum payment. The Merger Agreement provides that the Gary SERP will be terminated as of the closing date of the Mergers, and Mr.&#160;Gray will be paid $1.0&#160;million, which is the full benefit under the Gray SERP, no later than the first payroll cycle following the closing date of the Mergers. The Mergers constitute a &#8220;change in control&#8221; under the Gray SERP. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Current Enhanced Change in Control Severance Plan covering Messrs. Brbovic, Brown, Lindenmuth and other Officers of Berkshire</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and Berkshire Bank previously adopted an enhanced change in control severance plan which covers Messrs. Brbovic, Brown, Lindenmuth, Prescott, Ms.&#160;Courtwright and other officers of Berkshire (the &#8220;Berkshire CIC Plan&#8221;). The Berkshire CIC Plan provides that upon an involuntary termination, other than for cause, or voluntary termination for good reason (as defined in the Berkshire CIC Plan) within two&#160;years following a change in control of Berkshire or Berkshire Bank, the executive will be entitled to (1)&#160;a cash severance payment equal to three times the sum of (a)&#160;the executive officer&#8217;s base salary and (b)&#160;the greater of (i)&#160;average cash incentive earned in the prior two&#160;years or (ii)&#160;the cash incentive that would be paid to the executive officer at target for the fiscal year in which the date of termination occurs (or for the prior fiscal year if the incentive opportunity has not yet been determined); (2)&#160;a lump sum cash payment equal to the executive officer&#8217;s annual cash incentive at target for the year of termination (or for the prior fiscal year if the incentive opportunity has not yet been determined) (or, if greater, at the target annual incentive in effect immediately before the change in control), with such amount pro-rated through the date of termination; and (3)&#160;life insurance and non-taxable medical and dental coverage substantially identical to the coverage maintained for the executive officer prior to termination of employment for 36&#160;months following termination of employment, with the executive officer paying his share of the premiums. The Berkshire CIC Plan will remain in effect following the Mergers. The Mergers constitute a &#8220;change in control&#8221; as defined in the Berkshire CIC Plan. The estimated aggregate amount that would be payable to non-executive employees of Berkshire under the Berkshire CIC Plan is $15.7&#160;million, and such amounts would be payable only if each employee experienced a qualifying termination of employment. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Current Long-Term Care Insurance Plan</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire Bank previously adopted a long-term care insurance plan (the &#8220;LTC Plan&#8221;), to supplement the Bank&#8217;s disability programs. Mr.&#160;Gray is the only executive officer that participates in the LTC Plan. The LTC Plan provides that Mr.&#160;Gray will become vested upon the earliest of&#8201; (i)&#160;the executive attaining age 62 with ten&#160;years of service; (ii)&#160;the executive attaining age 55 with 20&#160;years of service; (iii)&#160;a change in control; (iv)&#160;or disability. Once vested, an individual and his spouse are generally eligible for long-term care benefits during their lifetime, at no cost to the covered individual, and with the Bank paying the cost of such coverage. The Mergers constitute a &#8220;change in control&#8221; as defined in the LTC Plan, such that Mr.&#160;Gray will fully vest in benefits under the LTC Plan at the closing of the Mergers. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Membership on the Board of Directors of Berkshire and Brookline Bank</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The board of directors of the surviving corporation will be comprised of 16 directors, with eight directors designated by each of Berkshire (which will include David M. Brunelle) and Brookline (which will include Paul A. Perrault). As of </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">the closing of the Mergers, (i)&#160;David M. Brunelle will serve as the Chairman of the board of directors of the surviving corporation and of the board of directors of the surviving bank for a term of two&#160;years (assuming Mr.&#160;Brunelle is elected for a second term), and (ii)&#160;Paul A. Perrault will serve as the President and Chief Executive Officer of the surviving corporation and a member of the board of directors of the surviving corporation and the board of directors of the surviving bank for a term of two&#160;years (assuming Mr.&#160;Perrault is elected for a second term). For additional information, see &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Description of the Mergers &#8212; Corporate Governance and Operations of the Surviving Corporation and the Surviving Bank After the Mergers</font><font style="letter-spacing:0.2pt;">&#8221; beginning on page [&#8199;&#8199;]. </font>
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          <font style="letter-spacing:-0.2pt;">Interests of Brookline&#8217;s Directors and Executive Officers in the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In considering the recommendation of the board of directors of Brookline to approve the Merger Agreement, Berkshire and Brookline stockholders should be aware that Brookline&#8217;s directors and executive officers have employment and other compensation agreements or plans that give them financial interests in the merger that are different from, or in addition to, the interests of Brookline stockholders generally, which are described below. </font>
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          <font style="letter-spacing:0.2pt;">For the purposes of this disclosure, the current executive officers of Brookline are: </font>
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                <font style="letter-spacing:-0.16pt;">Name </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
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              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Position </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:156pt;">
              <font style="letter-spacing:0.2pt;">Paul A. Perrault </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">Chairman and Chief Executive Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:156pt;">
              <font style="letter-spacing:0.2pt;">Janytra M. Brooks </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">Chief Human Resources Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;">Carl M. Carlson </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">Co-President and Chief Financial &amp; Strategy Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;">Darryl J. Fess </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">President and Chief Executive Officer, Brookline Bank </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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              <font style="letter-spacing:0.2pt;">Michael P. Goldrick </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">President and Chief Executive Officer, PCSB Bank </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="letter-spacing:0.2pt;">Marissa S. Martin </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">General Counsel and Corporate Secretary </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:156pt;">
              <font style="letter-spacing:0.2pt;">Michael W. McCurdy </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">Co-President and Chief Operating Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:156pt;">
              <font style="letter-spacing:0.2pt;">Mark J. Meiklejohn </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">Chief Credit Officer </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:156pt;">
              <font style="letter-spacing:0.2pt;">William C. Tsonos </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:288pt;">
              <font style="letter-spacing:0.2pt;">President and Chief Executive Officer, Bank Rhode Island</font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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          <font style="letter-spacing:0.2pt;">Brookline&#8217;s current non-employee directors include Joanne B. Chang, Margaret Boles Fitzgerald, Willard I. Hill, Jr., Thomas J. Hollister, Bogdan Nowak, John M. Pereira and Merrill W. Sherman. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In accordance with SEC rules, this disclosure also covers former executive officers of Brookline who served as executive officers at any time since the beginning of Brookline&#8217;s last fiscal year, including James Cosman, Brookline&#8217;s former Chief Operations Officer, who retired as an executive officer effective April&#160;1, 2024 and remained with Brookline on a part-time basis until his retirement on January&#160;17, 2025. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Certain other individuals who served as non-employee directors since the beginning of Brookline&#8217;s last fiscal year would also be considered non-employee directors for purposes of this disclosure, but as former directors of Brookline they are not entitled to the payments and benefits described below for current non-employee directors in connection with the Merger. None of the former non-employee directors are receiving any compensation in connection with the Merger. Accordingly, such former non-employee directors are not included in this disclosure. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Treatment of Brookline Restricted Stock Awards</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The Merger Agreement provides that at the effective time of the Merger, unless otherwise agreed to between Brookline and Berkshire, each unvested time or performance-based restricted stock award under the Brookline Stock Plan will fully vest and be converted into the right to receive the same merger consideration that all other shares of Brookline common stock are entitled to receive in the Merger, less applicable tax withholding, with any applicable performance-based vesting condition to be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recent completed fiscal quarter. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The tables below summarize the number of Brookline restricted stock awards held by Brookline&#8217;s executive officers and non-employee directors as of March&#160;4, 2025, and the estimated aggregate value of </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">113</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">such Brookline restricted stock awards, calculated based on the average closing market price of Brookline common stock over the five business day period commencing on December&#160;16, 2024, or $11.94. </font>
        </div>
        <table style="width:456pt;height:338.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:154.78pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards (#) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Estimated Value </font>
                <br >
                <font style="letter-spacing:-0.16pt;">of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Number of </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards (#) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Estimated Value </font>
                <br >
                <font style="letter-spacing:-0.16pt;">of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Brookline </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Restricted Stock </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Awards ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Executive Officers</font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Paul A. Perrault </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">62,882</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">751,063</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">88,484</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,056,853</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.99999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Janytra M. Brooks </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">15,914</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">190,077</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">22,141</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">264,452</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Carl M. Carlson </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">26,859</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">320,804</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">37,827</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">451,806</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Darryl J. Fess </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">22,536</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">269,170</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">30,844</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">368,401</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Michael P. Goldrick </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">14,684</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">175,386</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">17,446</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">208,375</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">15,139</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">180,820</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">21,224</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">253,499</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Michael W. McCurdy </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">26,859</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">320,804</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">37,827</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">451,806</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Mark J. Meiklejohn </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">20,596</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">245,999</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">28,190</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">336,701</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">William C. Tsonos </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">15,688</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">187,377</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">19,393</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">231,630</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">James Cosman</font><font style=" position:relative; bottom:4.25pt;font-size:6.5pt;letter-spacing:0.15pt;">(1)</font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">17,950</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">214,395</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:italic;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Directors</font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Joanne B. Chang </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Margaret Boles Fitzgerald </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Willard I. Hill, Jr. </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Thomas J. Hollister </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Bogdan Nowak </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">John M. Pereira </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:154.78pt;text-align:left;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">Merrill W. Sherman </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">6,098</td>
            <td style="padding:0pt;padding-left:20.255pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">72,835</td>
            <td style="padding:0pt;padding-left:11.13pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:21pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:18.65pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:12.3pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:12.2pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.71pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.71pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Mr.&#160;Cosman, Brookline&#8217;s former Chief Operations Officer, retired as an executive officer effective as of April&#160;1, 2024 and remained with Brookline on a part-time basis until his retirement on January&#160;17, 2025. Upon his retirement, his performance-based restricted stock awards remained outstanding and will accelerate in connection with the Merger. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Severance Payments Upon a Qualifying Termination prior to or after the Effective Time</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">Brookline is party to preexisting employment agreements with each of Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy and Mr.&#160;Goldrick, pursuant to which each such Brookline executive officer is eligible to receive severance benefits in the event of a qualifying termination of employment prior to or after the effective time of the Merger, as described below. The closing of the Merger will constitute a &#8220;change in control&#8221; under each such preexisting employment agreement, and Berkshire will assume and honor each such preexisting employment agreement as of the effective time of the Merger. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Additionally, Brookline is party to preexisting change in control agreements with each of Ms.&#160;Brooks, Mr.&#160;Fess, Ms.&#160;Martin, Mr.&#160;Meiklejohn and Mr.&#160;Tsonos which provided for severance benefits in the event of a qualifying termination of employment within 12&#160;months after a change in control. Brookline is also party to a preexisting employment agreement with Mr.&#160;Meiklejohn, under which he is eligible to receive severance in the event that he is terminated prior to the effective time of the Merger by Brookline without &#8220;cause&#8221; &#8203;(as defined in the employment agreement) equal to (i)&#160;one times his annual base salary and (ii)&#160;continued medical, dental and life insurance benefits for 12&#160;months from the date of termination, and (iii)&#160;outplacement benefits for 6&#160;months following the date of termination. In connection with the Merger, Berkshire and Brookline Bank have entered into new employment agreements with each of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos, which supersede and replace the previous change in control agreements and Mr.&#160;Meiklejohn&#8217;s employment agreement effective as of the closing of the Merger, as described below. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">114</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Employment Agreement with Paul A. Perrault</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Pursuant to Mr.&#160;Perrault&#8217;s preexisting employment agreement with Brookline and Brookline Bank, upon the occurrence of an &#8220;event of termination&#8221; prior to or at least 12&#160;months after a &#8220;change in control&#8221; &#8203;(as each term is defined in the employment agreement), subject to Mr.&#160;Perrault&#8217;s execution of a release of claims in favor of Brookline and Brookline Bank, Mr.&#160;Perrault is entitled to receive an amount equal to the sum of (i)&#160;Mr.&#160;Perrault&#8217;s base salary, and (ii)&#160;Mr.&#160;Perrault&#8217;s target bonus for the year of termination. Upon the occurrence of an event of termination within 12&#160;months after change in control, subject to Mr.&#160;Perrault&#8217;s execution of a release of claims in favor of Brookline and Brookline Bank, Mr.&#160;Perrault is entitled to receive an amount equal to three times the sum of items (i)&#160;and (ii)&#160;as set forth in the preceding sentence. In addition, upon the occurrence of any event of termination, subject to Mr.&#160;Perrault&#8217;s execution of a release of claims in favor of Brookline and Brookline Bank, Mr.&#160;Perrault is entitled to receive (i)&#160;continued life and disability coverage for 24&#160;months from the date of termination, and (ii)&#160;continued medical and dental coverage until Mr.&#160;Perault (and, independently, his spouse) dies. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In connection with the Merger, Mr.&#160;Perrault&#8217;s employment agreement was amended, contingent on the closing of the Merger and effective as of the effective time of the Merger, to provide that it will no longer constitute grounds for an event of termination under his employment agreement if Mr.&#160;Perrault no longer serves as Chairman of the board of directors of Brookline Bank. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Employment Agreements with Carl M. Carlson and Michael W. McCurdy</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Pursuant to preexisting employment agreements with Brookline, Brookline Bank, and Bank Rhode Island, each of Mr.&#160;Carlson and Mr.&#160;McCurdy are entitled to receive severance upon a termination of employment by Brookline, Brookline Bank or Bank Rhode Island without &#8220;cause&#8221; or by such executive officer&#8217;s resignation for &#8220;good reason&#8221; (as each term is defined in each employment agreement), subject to such executive officer&#8217;s execution of a separation agreement and release of claims in favor Brookline, Brookline Bank and Bank Rhode Island, equal to (i)&#160;two times the sum of (A)&#160;the executive officer&#8217;s then-current base salary (or, in the case of a termination by the executive officer for good reason due to a reduction in base salary, the base salary in effect immediately prior to such reduction), (B)&#160;the executive officer&#8217;s target bonus for the then-current year, and (C)&#160;the value of the executive officer&#8217;s target equity award for the then-current year; (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by such executive officer; (iii)&#160;subject to the executive officer&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Brookline would have made to provide health insurance to the executive officer had he remained employed until the earlier of 24&#160;months from the date of termination or the date that the executive officer becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In lieu of the payments the payments and benefits described in the paragraph above, in the event that Mr.&#160;Carlson&#8217;s or Mr.&#160;McCurdy&#8217;s employment is terminated on or within 12&#160;months after a &#8220;change in control&#8221; &#8203;(as defined in each employment agreement) by either Brookline, Brookline Bank and Bank Rhode Island without cause or by such executive officer&#8217;s resignation for good reason, subject to such executive officer&#8217;s execution of a general release of claims in favor of Brookline, Brookline Bank and Bank Rhode Island, each of Mr.&#160;Carlson and Mr.&#160;McCurdy are entitled to receive severance equal to (i)&#160;two times the sum of (A)&#160;the executive officer&#8217;s then-current base salary (or the base salary in effect immediately prior to the change in control, if higher), (B)&#160;the executive officer&#8217;s target bonus for the then-current year (or, the target bonus in effect immediately prior to the change in control, if higher), and (C)&#160;the value of the executive officer&#8217;s target equity award for the then-current year; (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by such executive officer; (iii)&#160;subject to the executive officer&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Brookline would have made to provide health insurance to the executive officer had he remained employed until the earlier of 24&#160;months from the date of termination or the date that the executive officer becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination, and (v)&#160;outplacement assistance for a period of 12&#160;months. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Employment Agreement with Michael P. Goldrick</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Pursuant to Mr.&#160;Goldrick&#8217;s preexisting employment agreement with Brookline and PCSB Bank, Mr.&#160;Goldrick is entitled to receive severance upon a termination </font>
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          <font style="letter-spacing:0.2pt;">of employment by Brookline or PCSB Bank without &#8220;cause&#8221; or by Mr.&#160;Goldrick&#8217;s resignation for &#8220;good reason&#8221; &#8203;(as each term is defined in the employment agreement), subject to his execution of a separation agreement and release of claims in favor Brookline and PCSB Bank, equal to (i)&#160;two times the sum of (A)&#160;Mr.&#160;Goldrick&#8217;s then-current base salary (or, in the case of a termination by Mr.&#160;Goldrick for good reason due to a reduction in base salary, the base salary in effect immediately prior to such reduction) and (B)&#160;Mr.&#160;Goldrick&#8217;s target bonus for the then-current year; (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by Mr.&#160;Goldrick; (iii)&#160;subject to Mr.&#160;Goldrick&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Brookline would have made to provide health insurance to Mr.&#160;Goldrick had he remained employed until the earlier of 24&#160;months from the date of termination or the date that Mr.&#160;Goldrick becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">In lieu of the payments the payments and benefits described in the paragraph above, in the event that Mr.&#160;Goldrick&#8217;s employment is terminated on or within 24&#160;months after a &#8220;change in control&#8221; &#8203;(as defined in the employment agreement) by either Brookline and PCSB Bank without cause or by Mr.&#160;Goldrick&#8217;s resignation for good reason, subject to his execution of a general release of claims in favor of Brookline and PCSB Bank, Mr.&#160;Goldrick is entitled to receive severance equal to (i)&#160;two times the sum of (A)&#160;Mr.&#160;Goldrick&#8217;s then-current base salary (or the base salary in effect immediately prior to the change in control, if higher) and (B)&#160;Mr.&#160;Goldrick&#8217;s target bonus for the then-current year (or, the target bonus in effect immediately prior to the change in control, if higher); (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by Mr.&#160;Goldrick; (iii)&#160;subject to Mr.&#160;Goldrick&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Brookline would have made to provide health insurance to Mr.&#160;Goldrick had he remained employed until the earlier of 24&#160;months from the date of termination or the date that Mr.&#160;Goldrick becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">New Employment Agreements with Mark J. Meiklejohn and William C. Tsonos.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;In connection with the Mergers, Berkshire and Brookline Bank have entered into new employment agreements with each of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos, which will become effective as of the closing of the Merger and set forth the terms of their employment with Berkshire and Brookline Bank following the Merger. Each new employment agreement supersedes and replaces such executive officer&#8217;s previous change in control agreements, which provided for severance benefits in the event of a qualifying termination of employment within 12&#160;months after a change in control, and, for Mr.&#160;Meiklejohn, his preexisting employment agreement. </font>
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          <font style="letter-spacing:0.2pt;">Pursuant to such new employment agreements, each of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos will receive a base salary, subject to periodic review by the Berkshire board of directors or compensation committee, and cash incentive compensation and equity awards as determined by the Berkshire board of directors or compensation committee from time to time. As of the closing of the Merger, the base salary of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos will be equal to $480,500 and $393,666, respectively. As of the closing of the Merger, each of Mr.&#160;Meiklejohn&#8217;s and Mr.&#160;Tsonos&#8217; target annual incentive compensation will continue to be equal to 60% of their base salary and the target value of each of Mr.&#160;Meiklejohn&#8217;s and Mr.&#160;Tsonos&#8217; annual equity award will have a grant date fair value of 50% of their base salary. In addition, each of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos will be eligible to participate in the employee benefit plans generally available to employees of Berkshire and Brookline Bank after the Merger, subject to the terms of such plans. Mr.&#160;Meiklejohn will also continue to receive a car allowance of $500 per month, parking near the bank&#8217;s office in Providence, Rhode Island, and payment of membership dues to the Aurora Civic Association in Providence, Rhode Island. </font>
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          <font style="letter-spacing:0.2pt;">In the event of a termination of employment after the closing of the Merger by Berkshire or Brookline Bank without &#8220;cause&#8221; or by such executive officer for &#8220;good reason&#8221; &#8203;(as each term is defined in each new employment agreement), subject to such executive officer&#8217;s execution of a separation agreement and release of claims in favor of Berkshire and Brookline Bank, each of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos are entitled to receive severance equal to (i)&#160;two times the sum of (A)&#160;the executive officer&#8217;s then-current base salary (or, in the case of a termination by the executive officer for good reason due to a reduction in base salary, the </font>
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          <font style="letter-spacing:0.2pt;">base salary in effect immediately prior to such reduction), and (B)&#160;the executive officer&#8217;s target bonus for the then-current year; (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by such executive officer; (iii)&#160;subject to the executive officer&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Berkshire would have made to provide health insurance to the executive officer had he remained employed until the earlier of 24&#160;months from the date of termination or the date that the executive officer becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">In lieu of the payments the payments and benefits described in the paragraph above, in the event of a termination of employment on or within 24&#160;months after a &#8220;change in control&#8221; &#8203;(as defined in the employment agreement) by either Berkshire and Brookline Bank without &#8220;cause&#8221; or by such executive officer for &#8220;good reason&#8221; &#8203;(as each term is defined in each new employment agreement), subject to such executive officer&#8217;s execution of a separation agreement and release of claims in favor of Berkshire and Brookline Bank, each of Mr.&#160;Meiklejohn and Mr.&#160;Tsonos are entitled to receive severance equal to (i)&#160;two times the sum of (A)&#160;the executive officer&#8217;s then-current base salary (or the base salary in effect immediately prior to the change in control, if higher), and (B)&#160;the executive officer&#8217;s target bonus for the then-current year (or, the target bonus in effect immediately prior to the change in control, if higher); (ii)&#160;full acceleration of vesting of all stock options and other stock-based awards held by such executive officer; (iii)&#160;subject to the executive officer&#8217;s proper election to receive benefits under COBRA and copayment of premiums at the applicable active employee&#8217;s rate, a monthly payment equal to the monthly employer contribution that Brookline would have made to provide health insurance to the executive officer had he remained employed until the earlier of 24&#160;months from the date of termination or the date that the executive officer becomes eligible for group medical benefits under any other employer&#8217;s group medical plan; and (iv)&#160;continued life and disability coverage for 24&#160;months following the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">In addition, Mr.&#160;Meiklejohn is entitled to voluntary termination benefits in the event that he resigns within two&#160;years following the closing of the Merger, subject to his execution of a separation agreement and release of claims in favor of Berkshire and Brookline Bank, equal to the severance benefits described above for a termination that is not in connection with a change in control (excluding equity acceleration). </font>
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          <font style="letter-spacing:0.2pt;">In the event that Mr.&#160;Meiklejohn&#8217;s disability, Berkshire and Brookline Bank will continue to pay his base salary (reduced by any benefits he may be entitled to receive under any state or federal disability insurance program) for a period of six&#160;months from the date of disability. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Retention Bonus Agreements with Carl M. Carlson and Michael W. McCurdy</font><font style="font-style:italic;letter-spacing:0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;In connection with the Merger, Brookline has granted retention bonuses to each of Mr.&#160;Carlson and Mr.&#160;McCurdy to incentivize each such executive officer to remain employed with Brookline and the surviving corporation after the Merger. Mr.&#160;Carlson&#8217;s and Mr.&#160;McCurdy&#8217;s retention bonuses are each equal to $3&#160;million, payable in two equal installments with 50% of each retention bonus becoming earned and payable on the first anniversary of the closing of the Merger and 50% of each retention bonus becoming earned and payable on the second anniversary of the closing of the Merger, in each case, subject to such executive officer&#8217;s continued employment through such date. In the event that Mr.&#160;Carlson&#8217;s or Mr.&#160;McCurdy&#8217;s employment is terminated by Brookline (or, after the closing of the Merger, Berkshire) without &#8220;cause&#8221;, due to their death or disability, or by such executive officer for &#8220;good reason&#8221; &#8203;(as each term is defined in each executive officer&#8217;s employment agreement), the full amount of any unpaid retention bonuses shall accelerate and become payable on the first regularly scheduled payroll cycle following the date of termination. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Discretionary Bonuses</font><font style="font-weight:bold;letter-spacing:-0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">In connection with the Merger, Brookline has granted each of Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy, Mr.&#160;Meiklejohn, Ms.&#160;Martin and Ms.&#160;Brooks one-time discretionary bonuses to recognize and reward each such executive officer for their efforts in connection with the merger. Mr.&#160;Perrault&#8217;s, Mr.&#160;Carlson&#8217;s, Mr.&#160;McCurdy&#8217;s and Mr.&#160;Meiklejohn&#8217;s discretionary bonuses are each equal to $100,000 and Ms.&#160;Martin&#8217;s and Ms.&#160;Brooks&#8217; discretionary bonuses are each equal to $50,000. Each discretionary bonus was paid on February&#160;28, 2025. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Membership on the Board of Directors.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The Merger Agreement provides that the board of directors of the resulting company and the resulting bank will consist of 16 directors, eight of whom shall be designated </font>
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          <font style="letter-spacing:0.2pt;">by Berkshire and eight of whom shall be designated by Brookline. The eight directors designated by Brookline shall be selected from among the current directors of the Brookline board of directors as of the effective time of the Merger, which shall include Mr.&#160;Perrault and seven other Brookline directors as determined by Brookline. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Continued Indemnification of Brookline&#8217;s Directors and Officers.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">The Merger Agreement provides that resulting company shall indemnify and hold harmless and shall advance expenses as incurred, in each case to the extent (subject to applicable law) such persons are indemnified as of the date of the Merger Agreement by Brookline pursuant to Brookline&#8217;s governing or organizational documents and any indemnification agreements in existence as of the date of the Merger Agreement, each present and former director, officer or employee of Brookline and its subsidiaries against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the effective time of the Merger, arising out of the fact that such person is or was a director, officer or employee of Brookline or any of its subsidiaries and pertaining to matters existing or occurring at or prior to the effective time of the Merger, including the transactions contemplated by the Merger Agreement; provided, that in the case of advancement of expenses, any person to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such person is not entitled to indemnification. </font>
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          <font style="letter-spacing:0.2pt;">In addition, for a period of six&#160;years after the effective time of the Merger, the Surviving Corporation shall cause to be maintained in effect the current policies of directors&#8217; and officers&#8217; liability insurance maintained by Brookline (provided, that the Surviving Corporation may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions that are no less advantageous to the insured) with respect to claims against the present and former officers and directors of Brookline or any of its Subsidiaries arising from facts or events which occurred at or before the Effective Time; provided, that the Surviving Corporation shall not be obligated to expend, on an annual basis, an amount in excess of 300% of the current annual premium paid as of the date hereof by Brookline for such insurance (the &#8220;Premium Cap&#8221;), and if such premiums for such insurance would at any time exceed the Premium Cap, then the Surviving Corporation shall cause to be maintained policies of insurance which, in the Surviving Corporation&#8217;s good faith determination, provide the maximum coverage available at an annual premium equal to the Premium Cap. In lieu of the foregoing, Brookline, in consultation with, but only upon the consent of Berkshire, may (and at the request of Berkshire, Brookline shall use its reasonable best efforts to) obtain at or prior to the Effective Time a six-year &#8220;tail&#8221; policy under Brookline&#8217;s existing directors and officers insurance policy providing equivalent coverage to that described in the preceding sentence if and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed the Premium Cap. </font>
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          <font style="letter-spacing:0.2pt;">In addition, for a period of six&#160;years after the effective time of the Merger, the resulting company shall cause to be maintained in effect the current policies of directors&#8217; and officers&#8217; liability insurance maintained by Brookline (provided, that Berkshire may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions that are no less advantageous to the insured) with respect to claims arising from facts or events which occurred at or before the effective time of the Merger. In lieu of the foregoing, Berkshire or Brookline, in consultation with, but only upon the consent of Berkshire, may obtain at or prior to the effective time of the Merger a six-year &#8220;tail&#8221; policy under Brookline&#8217;s existing directors&#8217; and officers&#8217; insurance policy providing equivalent coverage to that described in the preceding sentence. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Quantification of Potential Payments and Benefits to Brookline&#8217;s Named Executive Officers.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">This section sets forth the information required by Item&#160;402(t) of the SEC&#8217;s Regulation&#160;S-K regarding compensation for each named executive officer of Brookline that is based on, or otherwise relates to, the Merger. This compensation is referred to as &#8220;golden parachute&#8221; compensation by the applicable SEC disclosure rules, and in this section such term is used to describe the merger-related compensation payable to Brookline&#8217;s named executive officers. The &#8220;golden parachute&#8221; compensation payable to these individuals is subject to a non-binding advisory vote of holders of Brookline common stock, as described in the section entitled &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Special Meeting of Brookline Stockholders&#8201;-&#8201;Brookline Proposal No. 2&#8201;&#8212;&#8201;The Brookline Merger-Related Compensation Proposal</font><font style="letter-spacing:0.2pt;">.&#8221; </font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The table below sets forth, for the purposes of this golden parachute disclosure, the amount of payments and benefits (on a pre-tax basis) that each of Brookline&#8217;s named executive officers would receive, assuming that (i)&#160;the Merger closes on March&#160;10, 2025 (which is the assumed date solely for purposes of this golden parachute compensation disclosure); (ii)&#160;the relevant share price per share of Brookline common stock is $11.94, which is the average closing market price of Brookline common stock over the five business day period following the first public announcement of the Merger on December&#160;16, 2024; (ii)&#160;each of Brookline&#8217;s named executive officers experiences a qualifying termination of employment at the effective time of the Merger; (iii)&#160;the unvested Brookline restricted stock awards outstanding as of March&#160;10, 2025 accelerate and vest in exchange for merger consideration as described in the section entitled </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Treatment of Brookline Restricted Stock Awards</font><font style="letter-spacing:0.2pt;">&#8221;; (iv)&#160;no named executive officer receives any additional or retention, equity or incentive award grants after March&#160;10, 2025 and on or prior to the effective time of the Merger. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The calculations in the table do not include amounts that Brookline&#8217;s named executive officers were already entitled to receive or vested in as of the date of this joint proxy statement/prospectus. The calculations in the table also do not include compensation actions that may occur after the effective time of the Merger, such as any retention payments or new equity awards that will be granted by the resulting company after the closing of the Merger. In addition, these amounts do not attempt to forecast any additional equity or incentive award grants, issuances or forfeitures that may occur after March&#160;10, 2025 and prior to the completion of the Merger. As a result of the foregoing assumptions, which may or may not actually occur or be accurate on the relevant date, including the assumptions described in the footnotes to the table, the actual amounts, if any, to be received by a named executive officer may materially differ from the amounts set forth below. </font>
        </div>
        <table style="width:456pt;height:92.5pt;margin-top:9.99999999999997pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Cash ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(1)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Equity ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(2)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Perquisites / </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Benefits ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(3)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Total ($)</font><font style=" position:relative; bottom:3.25pt;line-height:5pt;font-size:5pt;letter-spacing:-0.12pt;">(4)</font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Paul Perrault </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,200,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,807,916</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,465,330</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">8,473,246</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Carl M. Carlson </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,589,651</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">772,610</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">138,357</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,500,617</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Michael W. McCurdy </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,589,651</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">772,610</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">134,289</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">6,496,549</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Mark J. Meiklejohn </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,637,600</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">582,700</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">117,325</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,337,625</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:241.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Darryl J. Fess </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,643,200</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">637,571</td>
            <td style="padding:0pt;padding-left:0.0350000000000001pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">117,325</td>
            <td style="padding:0pt;padding-left:2.325pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,398,096</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.3pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:7.81pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="font-style:italic;letter-spacing:0.2pt;">Cash</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Represents (i)&#160;cash severance payments under each named executive officer&#8217;s employment agreement, described above under the section entitled &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Severance Payments Upon a Qualifying Termination prior to or after the Effective Time</font><font style="letter-spacing:0.2pt;">&#8221; equal to (A)&#160;for Mr.&#160;Perrault, three times the sum of his base salary and target annual bonus and (B)&#160;for Mr.&#160;Carlson and Mr.&#160;McCurdy, two times the sum of such named executive officer&#8217;s base salary, target bonus and target annual equity award, and (C)&#160;for Mr.&#160;Meiklejohn and Mr.&#160;Fess, two times the sum of such named executive officer&#8217;s base salary and target bonus; (ii)&#160;for Mr.&#160;Carlson and Mr.&#160;McCurdy, the retention bonuses described above under the heading &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Retention Bonus Agreements with Carl M. Carlson and Michael W. McCurdy</font><font style="letter-spacing:0.2pt;">&#8221;, and (iii)&#160;for Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;McCurdy and Mr.&#160;Meiklejohn, the discretionary bonuses described above under the heading &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Discretionary Bonuses</font><font style="letter-spacing:0.2pt;">&#8221;. Retention bonuses and discretionary bonuses are &#8220;single-trigger&#8221; payments that will become payable (or have been previously paid) solely by reason of the Merger subject to each named executive officer&#8217;s continued employment, and severance payments are &#8220;double-trigger&#8221; payments that will only become payable upon a qualifying termination of employment prior to or following the Merger. Set forth below are the separate values of each of the payments described above. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:416pt;height:92.5pt;margin-left:20pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:197.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Cash </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Severance ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Retention </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bonuses ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Discretionary </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Bonuses ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Total ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:197.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Paul Perrault </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,100,000</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">100,000</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,200,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:197.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Carl M. Carlson </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,489,651</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,000,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">100,000</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,589,651</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:197.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Michael W. McCurdy </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">2,489,651</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">3,000,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">100,000</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">5,589,651</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:197.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Mark J. Meiklejohn </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,537,600</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">100,000</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,637,600</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:197.63pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Darryl J. Fess </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,643,200</td>
            <td style="padding:0pt;padding-left:1.945pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">&#8212;</td>
            <td style="padding:0pt;padding-left:6.265pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,643,200</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">119</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="font-style:italic;letter-spacing:0.2pt;">Equity.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;Represents the estimated value of merger consideration payable with respect to unvested Brookline restricted stock awards that will fully vest at the effective time of the Merger. Payments with respect to unvested Brookline restricted stock awards are &#8220;single-trigger&#8221; payments that will become payable solely by reason of the Merger, subject to each named executive officer&#8217;s continued employment through the closing of the Merger. The estimated value of unvested time-based and performance-based Brookline restricted stock awards held by the named executive officers as of March&#160;10, 2025 is set forth below. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <table style="width:416pt;height:110.5pt;margin-left:20pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:9pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt; width:203.58pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Name </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Value of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Time-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Brookline Restricted </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Stock Awards ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="text-align:center;">
                <font style="letter-spacing:-0.16pt;">Value of Unvested </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Performance-Based </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Brookline Restricted </font>
                <br >
                <font style="letter-spacing:-0.16pt;">Stock Awards ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.167pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Total ($) </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.99999999999999pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:203.58pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Paul Perrault </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">751,063</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,056,853</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">1,807,916</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:203.58pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Carl M. Carlson </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">320,804</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">451,806</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">772,610</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:203.58pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Michael W. McCurdy </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">320,804</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">451,806</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">772,610</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:203.58pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Mark J. Meiklejohn </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">245,999</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">336,701</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">582,700</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:203.58pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Darryl J. Fess </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:24.75pt; text-align:right; white-space:nowrap;">269,170</td>
            <td style="padding:0pt;padding-left:17.645pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">368,400</td>
            <td style="padding:0pt;padding-left:13.795pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:30.75pt; text-align:right; white-space:nowrap;">637,571</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:9.99pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:9.99pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="font-style:italic;letter-spacing:0.2pt;">Perquisites/Benefits</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Represents the estimated value of welfare severance benefits under each named executive officer&#8217;s employment agreement, described above under the section entitled &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Severance Payments Upon a Qualifying Termination prior to or after the Effective Time</font><font style="letter-spacing:0.2pt;">&#8221; equal to (i)&#160;the estimated value of continued health benefits for 24&#160;months following each named executive officer&#8217;s termination of employment (or, for Mr.&#160;Perrault, until he, and independently his spouse, dies); (ii)&#160;the estimated value of continued life and disability coverage for 24&#160;months following each executive&#8217;s termination of employment, and (iii)&#160;for Mr.&#160;Carlson and Mr.&#160;McCurdy, the estimated value of outplacement benefits that would be provided to such named executive officer upon a termination of employment. All such amounts are &#8220;double trigger&#8221; benefits that will only become payable upon a qualifying termination of employment under each named executive officer&#8217;s employment agreement, and are estimated based on the costs of coverage and benefit elections in effect as of March&#160;10, 2025. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:3.7pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:3.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To the extent that the named executive officers would be subject to penalties under Sections&#160;280G and 4999 of the Internal Revenue Code, each named executive officer&#8217;s employment agreement and the retention bonus agreements with Messrs. Carlson and McCurdy provide that such payments and benefits shall be reduced to the greatest amount which does not result in any penalties under Sections&#160;280G and 4999 of the Internal Revenue Code, but only if that would result in a higher after-tax benefit than if such reduction did not occur. The estimated value of each named executive officer&#8217;s payments and benefits do not take into account such reductions. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Employee Matters</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement provides that, unless otherwise agreed between Berkshire and a Brookline continuing employee, Berkshire will provide to each Brookline continuing employee for as long as they are employed during the period commencing on the closing date of the Mergers and ending on the first anniversary of the closing date of the Mergers, (i)&#160;annual base salary or wages, as applicable, that is no less than the base salary or wages provided to such continuing employee immediately prior to the effective time, (ii)&#160;cash incentive opportunities that are no less than the cash incentive opportunities provided to such continuing employee as of immediately prior to the closing date of the Mergers, (iii)&#160;all employee statutory entitlements and (iv)&#160;employee benefits (other than severance) and other compensation (including long-term incentive compensation opportunities) that are substantially comparable in the aggregate to those provided to similarly situated employees of Berkshire and its subsidiaries. With respect to clause (ii), until such time as Berkshire fully integrates the continuing employees into its plans, participation in the Brookline benefit plans (other than severance) will be deemed to satisfy the foregoing standards. Each continuing employee who is not party to an individual agreement providing for severance or termination benefits and is terminated under severance qualifying circumstances will be eligible to receive severance benefits as agreed among the parties with respect to any continuing employee who is involuntarily terminated during such period, subject to the employee&#8217;s execution (and non-revocation) of a release of claims. Prior to the closing date of the Mergers, Berkshire and Brookline will cooperate in reviewing, evaluating and analyzing the Berkshire benefit plans and Brookline benefit plans. </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">120</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-indent:20pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement provides that, with respect to any employee benefit plans of Berkshire or its subsidiaries in which any continuing employees become eligible to participate on or after the closing date of the Mergers (the &#8220;new plans&#8221;), Berkshire and its subsidiaries will (i)&#160;waive all pre-existing conditions, exclusions or waiting periods with respect to participation and coverage requirements applicable to such continuing employees and their eligible dependents under any new plans, (ii)&#160;provide each such employee and their eligible dependents with credit for any co-payments or coinsurance and deductibles paid prior to the closing date of the Mergers under a Brookline benefit plan that provides health care benefits, to the same extent that such credit was given under the analogous Brookline benefit plan prior to the closing date of the Mergers, in satisfying any applicable deductible, co-payment, coinsurance or maximum out-of-pocket requirements under any new plan and (iii)&#160;recognize all service of such employees with Brookline and its subsidiaries for all purposes in any new plan to the same extent such service was taken into account under the analogous Brookline benefit plan prior to the closing date of the Mergers for purposes of eligibility, participation and vesting (but not for purpose of benefit accrual). The Merger Agreement provides that the foregoing service recognition will not apply (a)&#160;to the extent it would result in duplication of benefits for the same period of service, (b)&#160;for purposes of any defined benefit pension plan or (c)&#160;for purposes of any benefit plan that is a frozen plan or provides grandfathered benefits. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Unless otherwise agreed between Berkshire and Brookline, Brookline will cause any 401(k) plan sponsored by or maintained by Brookline and its subsidiaries to be terminated effective as of the day immediately prior to the closing date of the Mergers and contingent upon the occurrence of the closing. Brookline will provide Berkshire with evidence that such plan has been terminated (the form and substance of which will be subject to reasonable review and comment by Berkshire) not later than two business days immediately preceding the closing date of the Mergers, and any continuing employees will be eligible to participate, effective as of the closing date of the Mergers, in a 401(k) plan sponsored or maintained by Berkshire or one of its subsidiaries. Berkshire and Brookline will take any and all actions as may be required, including amendments to the Brookline 401(k) plan and/or the Berkshire 401(k) plan, to permit the continuing employees to make rollover contributions to the Berkshire 401(k) plan of &#8220;eligible rollover distributions&#8221; &#8203;(within the meaning of Section&#160;401(a)(31) of the Code) from the Brookline 401(k) plan. Berkshire agrees to assume and honor, in accordance with their terms, all Brookline benefit plans. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement provides that Berkshire and Brookline have agreed to allocate a certain dollar amount, as disclosed in the Berkshire and Brookline disclosure schedules, to be distributed as a retention bonus to certain employees of Berkshire and Brookline who are not covered by a written employment agreement, change in control agreement or similar agreement. The recipients and amounts will be mutually determined by Berkshire and Brookline and such designated employees will enter into retention agreements. In addition, pursuant to the Merger Agreement, Berkshire will terminate and payout certain non-qualified deferred compensation plans, as set forth in the Berkshire disclosure schedules, with such amounts to be paid out no later than the first payroll cycle following the closing date of the Merger. As of the date of the Merger Agreement, Berkshire, Berkshire Bank, Brookline, Brookline Bank, PCSB Bank and Bank Rhode Island, as applicable, entered into agreements set forth in the Berkshire disclosure schedules and Brookline disclosure schedules, as applicable, with the individuals listed in the Berkshire disclosure schedules and Brookline disclosure schedules, as applicable, and such agreements shall be effective as of the closing date of the Merger. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Nothing in the Merger Agreement will confer upon any employee, officer, director or consultant of Berkshire or Brookline or any of their subsidiaries or affiliates any right to continue in the employ or service of the surviving entity, Brookline, Berkshire or any subsidiary or affiliate thereof, or will interfere with or restrict in any way the rights of the surviving entity, Brookline, Berkshire or any subsidiary or affiliate thereof to discharge or terminate the services of any employee (including any continuing employee), officer, director or consultant of the surviving entity, Brookline or Berkshire or any of their subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in the Merger Agreement will be deemed to (i)&#160;establish, amend, or modify any Brookline benefit plan, Berkshire benefit plan, new plan or any other benefit or employment plan, program, agreement or arrangement or (ii)&#160;alter or limit the ability of the surviving entity or any of its subsidiaries or affiliates to amend, modify or terminate any particular Brookline benefit plan, Berkshire benefit plan, new plan or any other benefit or employment plan, program, agreement or arrangement after the closing date of the Mergers. Without limiting the generality of the terms of the Merger Agreement, nothing in the Merger Agreement, express or implied, is intended to or </font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">121</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">will confer upon any person, including any current or former employee, officer, director or consultant of Brookline, Berkshire or any of their subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of the Merger Agreement. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Corporate Governance and Operations of the Surviving Corporation and the Surviving Bank After the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement includes corporate governance requirements and proposed amendments to the certificate of incorporation and bylaws of the surviving corporation that will become effective at the effective time of the Mergers. The composition of the surviving corporation&#8217;s board of directors and executive management at the effective time of the Mergers will be as follows: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Composition of the Board of Directors</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The board of directors of the surviving corporation will be comprised of 16 directors, with eight directors designated by each of Berkshire (which will include David M. Brunelle) and Brookline (which will include Paul A. Perrault). As of the closing of the Mergers, (i)&#160;David M. Brunelle will serve as the Chairman of the board of directors of surviving corporation and of the board of directors of the surviving bank for a term of two&#160;years (assuming Mr.&#160;Brunelle is elected for a second term), and (ii)&#160;Paul A. Perrault will serve as the President and Chief Executive Officer of the surviving corporation and a member of the board of directors of the surviving corporation and the board of directors of the surviving bank for a term of two&#160;years (assuming Mr.&#160;Perrault is elected for a second term). </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Executive Management</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In addition to Mr.&#160;Perrault, the senior executive officers the surviving corporation and surviving bank will consist of (in alphabetical order) (i)&#160;Carl M. Carlson, the current Co-President and Chief Financial and Strategy Officer of Brookline, will serve as Chief Financial and Strategy Officer; (ii)&#160;Jacqueline Courtwright, the current Chief Human Resources &amp; Culture Officer of Berkshire, will serve as Chief Human Resources Officer; (iii)&#160;Sean Gray, the current Chief Operating Officer of Berkshire and President of Berkshire Bank, will serve as Chief Operations Officer; (iv)&#160;Michael McCurdy, the current Co-President and Chief Operating Officer of Brookline, will serve as Chief Banking Officer; (v)&#160;Mark Meiklejohn, the current Chief Credit Officer of Brookline, will serve as Chief Credit Officer; and (vi)&#160;Wm. Gordon Prescott, the current General Counsel &amp; Corporate Secretary of Berkshire, will serve as General Counsel and Corporate Secretary. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Name and Headquarters</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Effective as of the closing of the Mergers and the Bank Merger, the headquarters and main office of the surviving corporation and the surviving bank will be located at 131 Clarendon Street, Boston, Massachusetts 02116. The parties shall mutually agree on determining the names of the surviving corporation and surviving bank. </font>
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          <font style="letter-spacing:0.2pt;">The bylaw amendments provide that for a two-year period following the effective time of the Mergers, (i)&#160;Mr.&#160;Brunelle will serve as chairman of the board of directors of the surviving corporation (ii)&#160;the affirmative vote of at least two-thirds of the members of the surviving corporation&#8217;s board of directors will be required to remove Mr.Perrault, Mr.Carlson, Mr.Gray, Mr.McCurdy or Mr.Meiklejohn from their respective offices or to approve a merger of the surviving corporation with and into any other corporation. The bylaw amendments will also clarify the ability of stockholders to call annual or special meetings of stockholders, and clarify the bylaws advance notice and stockholder proposal and director nominee provisions, among other items. The form of the amendments to the Berkshire Amended and Restated Bylaws is included in this document as </font><font style="font-style:italic;letter-spacing:0.2pt;">Annex E</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:-0.2pt;">Resale of Shares of Berkshire Common Stock</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">All shares of Berkshire common stock issued to Brookline&#8217;s stockholders in connection with the Mergers will be freely transferable. This document does not cover any resales of the shares of Berkshire common stock to be received by Brookline&#8217;s stockholders upon completion of the Mergers, and no person may use this document in connection with any resale. </font>
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          <font style="letter-spacing:-0.2pt;">Time of Completion</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Unless the parties agree otherwise and unless the Merger Agreement has otherwise been terminated, the closing of the Mergers will take place no later than five business days following the date on which all of </font>
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          <font style="letter-spacing:0.2pt;">122</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">the conditions to the Mergers contained in the Merger Agreement are satisfied or waived. See &#8220;&#8212; </font><font style="font-style:italic;letter-spacing:0.2pt;">Conditions to Completing the Mergers.</font><font style="letter-spacing:0.2pt;">&#8221; On the closing date of the Mergers, Berkshire will file Certificates of Merger with the Secretary of State of the State of Delaware. The Mergers will become effective at the time stated in the Certificates of Merger. </font>
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          <font style="letter-spacing:0.2pt;">Assuming timely receipt of regulatory and stockholder approvals, it is currently expected that the Mergers will be completed in the second half of 2025. However, because completion of the Mergers is subject to regulatory approvals and other conditions, the parties cannot be certain of the actual timing of the completion of the Mergers. </font>
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          <font style="letter-spacing:-0.2pt;">Conditions to Completing the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s and Brookline&#8217;s obligations to consummate the Mergers are conditioned on the following: </font>
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          <font style="letter-spacing:0.2pt;">approval of the Berkshire Share Issuance Proposal, the Berkshire Certificate of Incorporation Amendment Proposal, and the Berkshire Equity Plan&#160;Proposal (collectively, the &#8220;Berkshire Required Proposals&#8221;) by Berkshire stockholders; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">approval of the Brookline Merger Proposal by Brookline stockholders; </font>
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          <font style="letter-spacing:0.2pt;">receipt of all required regulatory approvals, consents or waivers and the expiration of all statutory waiting periods; </font>
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          <font style="letter-spacing:0.2pt;">the absence of any order, injunction, decree, statute, rule or regulation that prevents the consummation of the Mergers or the Bank Merger or that makes completion of the Mergers or the Bank Merger illegal; </font>
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          <font style="letter-spacing:0.2pt;">receipt of consent of all third parties whose consent is required to consummate the Mergers, except where failure to obtain such consent would not have a material adverse effect on Berkshire; </font>
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          <font style="letter-spacing:0.2pt;">effectiveness of the registration statement of which this document is a part; </font>
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          <font style="letter-spacing:0.2pt;">authorization for listing on the NYSE the shares of Berkshire common stock to be issued in the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">receipt by Berkshire and Brookline of an opinion from their respective legal counsel to the effect that the Mergers will be treated for federal income tax purposes as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Internal Revenue Code; </font>
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          <font style="letter-spacing:0.2pt;">subject to the materiality standards provided in the Merger Agreement, the continued accuracy of the representations and warranties of Berkshire and Brookline in the Merger Agreement; </font>
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          <font style="letter-spacing:0.2pt;">performance in all material respects by each of Berkshire and Brookline of its respective obligations under the Merger Agreement, unless waived by the other party; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the absence of any material adverse effect with respect to Berkshire or Brookline since the date of the Merger Agreement; and </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">none of the regulatory approvals containing any conditions that would reasonably be expected to have a material adverse effect on the surviving corporation or any of its subsidiaries, taken as a whole, after giving effect to the Mergers and the Bank Merger. </font>
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          <font style="letter-spacing:0.2pt;">Berkshire and Brookline cannot guarantee that all of the conditions to the Mergers will be satisfied or waived by the party permitted to do so. </font>
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          <font style="letter-spacing:-0.2pt;">Conduct of Business Before the Mergers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Each of the parties has agreed that, until completion of the Mergers and unless consented to by the other party, or to the extent required by law or regulation of any governmental entity, neither party nor any of its subsidiaries will: </font>
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          <font style="letter-spacing:-0.2pt;">General Business</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">conduct its business other than in the ordinary in all material respects; </font>
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          <font style="letter-spacing:0.2pt;">123</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">fail to use reasonable best efforts to maintain and preserve intact its business organization, employees and advantageous business relationships; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">take any action that would reasonably be expected to adversely affect or materially delay the ability to perform its obligations under the Merger Agreement or to consummate the transactions contemplated by the Merger Agreement on a timely basis. </font>
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          <font style="letter-spacing:-0.2pt;">Borrowings</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Other than (i)&#160;federal funds borrowings and Federal Home Loan Bank borrowings, in each case with a maturity not in excess of six (6)&#160;months and (ii)&#160;deposits or other customary banking products such as letters of credit, in each case in the ordinary course of business, incur any indebtedness for borrowed money (other than indebtedness of Brookline or any of its wholly-owned subsidiaries to Brookline or any of its wholly-owned subsidiaries, on the one hand, or of Berkshire or any of its wholly-owned subsidiaries to Berkshire or any of its wholly-owned Subsidiaries, on the other hand), or assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other individual, corporation or other entity. </font>
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          <font style="letter-spacing:-0.2pt;">Capital Stock</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">adjust, split, combine or reclassify its capital stock; </font>
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          <font style="letter-spacing:0.2pt;">make, declare, pay or set a record date for any dividend, or any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its capital stock or other equity or voting securities or any securities or obligations convertible or exchangeable into or exercisable for any shares of its capital stock or other equity or voting securities, except, in each case, (A)&#160;regular quarterly cash dividends by Brookline at a rate not in excess of $0.135 per share of Brookline common stock, (B)&#160;regular quarterly cash dividends by Berkshire at a rate not in excess of $0.18 per share of Berkshire common stock, (C)&#160;dividends paid by any of the subsidiaries of each of Brookline and Berkshire to Brookline or Berkshire or any of their wholly-owned subsidiaries, respectively, (D)&#160;regular distributions on outstanding trust preferred securities in accordance with their terms or (E)&#160;the acceptance of shares of Brookline common stock or Berkshire common stock, as the case may be, as payment for the exercise price of stock options or for withholding taxes incurred in connection with the exercise of stock options or the vesting or settlement of equity compensation awards, in each case, in accordance with past practice and the terms of the applicable award agreements; and </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.7pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">grant any stock options, stock appreciation rights, performance shares, restricted stock&#160;units, performance stock&#160;units, phantom stock&#160;units, restricted shares or other equity-based awards or interests, or grant any person any right to acquire any shares of capital stock or other equity or voting securities of Brookline or Berkshire or any of their subsidiaries. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">other than the sale and issuance of shares of Berkshire common stock pursuant to a private placement agreement entered into prior to or simultaneously with the Merger Agreement, issue, sell, transfer, encumber or otherwise permit to become outstanding any shares of capital stock or voting securities or equity interests or securities convertible (whether currently convertible or convertible only after the passage of time or the occurrence of certain events) or exchangeable into, or exercisable for, any shares of its capital stock or other equity or voting securities, including any securities of Brookline or Berkshire or their respective subsidiaries, or any options, warrants, or other rights of any kind to acquire any shares of capital stock or other equity or voting securities, including any securities of Brookline or Berkshire or their respective subsidiaries, except pursuant to the exercise of stock options or the vesting or settlement of equity compensation awards in accordance with their terms. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Dispositions</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">sell, transfer, mortgage, encumber or otherwise dispose of any of its material properties, deposits or assets or any business to any individual, corporation or other entity other than a wholly-owned subsidiary, or cancel, release or assign any indebtedness to any such person or any claims held by any such person, in each case other than in the ordinary course of business, or pursuant to contracts or agreements in force at the date of the Merger Agreement. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">124</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Acquisitions</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">except for foreclosure or acquisitions of control in a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith in the ordinary course of business, make any material investment in or acquisition of (whether by purchase of stock or securities, contributions to capital, property transfers, merger or consolidation, or formation of a joint venture or otherwise) any other person or the property, deposits or assets of any other person, in each case, other than a wholly-owned subsidiary of Brookline or Berkshire, as applicable. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Investment Securities</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">materially restructure or materially change its investment securities, derivatives, wholesale funding or BOLI portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported except (i)&#160;in accordance with its investment policy, and (ii)&#160;for security purchases greater than $5.0&#160;million (other than U.S. Treasuries, U.S. securities and municipal securities supporting the community each bank serves). Neither party will purchase new mortgage-related securities. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Contracts</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">in each case except for transactions in the ordinary course of business, terminate, materially amend, or waive any material provision of, any material contract, as the case may be, or make any change in any instrument or agreement governing the terms of any of its securities, other than normal renewals of contracts without material adverse changes of terms with respect to Brookline or Berkshire, or enter into any contract that would constitute a material contract, if it were in effect on the date of the Merger Agreement. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Loans</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">make, increase, extend additional credit, purchase any loans except (i)&#160;in accordance with the respective party&#8217;s loan policy, (ii)&#160;any new net commitment of $20.0&#160;million or greater to any on obligor, or (iii)&#160;any participation purchased (including extensions of creditor renewals of existing commitments) greater than $10.0&#160;million; provided that consent shall be deemed to have been granted if not received by the requesting party within two business days of the receiving party&#8217;s receipt of the request for such consent. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Loan Policies</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">make a material change in its loan policies in effect as of the date of the Merger Agreement, except as required by a governmental authority. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Benefit Plans</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
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          <font style="letter-spacing:0.2pt;">except as required under applicable law, the terms of any Brookline benefit plan or Berkshire benefit plan (as applicable) existing as of the date of the Merger Agreement or set forth on in the disclosure schedules, (i)&#160;enter into, establish, adopt, amend or terminate any Brookline benefit plan or Berkshire benefit plan, or any arrangement that would be a Brookline benefit plan or Berkshire benefit plan if in effect on the date hereof, other than with respect to renewal of broad-based welfare benefit plans (other than severance) in the ordinary course of business consistent with past practice and as would not reasonably be expected to materially increase the cost of benefits under any such Brookline benefit plan or Berkshire benefit plan, (ii)&#160;increase the compensation or benefits payable to any current or former employee, director or individual consultant except for (A)&#160;normal increases in base compensation to employees in the ordinary course of business consistent with past practice; provided, that such increases in base compensation do not exceed five&#160;percent (5%) on an individual basis (other than promotions made in the ordinary course, which increase in base compensation on account of any such promotion do not exceed ten&#160;percent (10%)), (B)&#160;as may be required by law, (iii)&#160;to satisfy contractual obligations existing as of the date of the Merger Agreement and disclosed in the disclosure schedules, (iii)&#160;accelerate the vesting of any equity-based awards or other compensation or benefits, (iv)&#160;except as disclosed in the disclosure schedules, enter into any new, or amend any </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">125</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:30pt; width:426pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">existing, employment, severance, change in control, retention, collective bargaining agreement or similar agreement or arrangement, (v)&#160;fund any rabbi trust or similar arrangement, or in any other way secure the payment of compensation or benefits under any Brookline benefit plan or Berkshire benefit plan, (vi)&#160;materially change any actuarial or other assumptions used to calculate funding obligations with respect to any Brookline benefit plan or Berkshire benefit plan that is required by applicable law to be funded or change the manner in which contributions to such plan are made or the basis on which such contributions are determined, except as may be required by generally accepted accounting principles, (vii)&#160;terminate the employment or services of any employee with an annual base salary equal to or in excess of $150,000, other than for cause, (viii)&#160;hire or promote any employee with an annual base salary equal to or in excess of $150,000 (other than as a replacement hire or promotion on substantially similar terms of employment as the departed employee), or significantly change the responsibilities assigned to any such employee, (ix)&#160;implement or announce any employee layoffs, plant closings, reductions in force, furloughs, temporary layoffs, salary or wage reductions, work schedule changes or other such actions that trigger notice requirements under the WARN Act; or (x)&#160;negotiate, modify, extend, or enter into any collective bargaining or other agreement with any labor union or other labor organization or recognize or certify any labor union, labor organization, works council, or group of employees as the bargaining representative for any employees of Berkshire, Brookline or any of their subsidiaries. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Accounting Methods</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">implement or adopt any change in its accounting principles, practices or methods, other than as may be required by GAAP. </font>
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        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Banking Operations</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">enter into any new line of business or, other than in the ordinary course of business consistent with past practice, change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and operating, hedging, securitization and servicing policies (including any change in the maximum ratio or similar limits as a&#160;percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof), except as required by applicable law, regulation or policies imposed by any governmental entity. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Reorganizations</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">merge or consolidate itself or any of its significant subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its significant subsidiaries. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Tax Matters</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
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        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">make, change or revoke any material tax election, change an annual tax accounting period, adopt or change any material tax accounting method, file any material amended tax return, enter into any closing agreement with respect to a material amount of taxes, or settle any material tax claim, audit, assessment or dispute or surrender any material right to claim a refund of taxes. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Additional Covenants of Brookline and Berkshire in the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Agreement Not to Solicit Other Proposals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each of Brookline and Berkshire agreed in the Merger Agreement that it will not, and will cause each of its subsidiaries and its and their respective officers, directors, employees, agents, advisors and representatives not to, directly or indirectly, (i)&#160;initiate, solicit, knowingly encourage or knowingly facilitate any inquiries or proposals with respect to any &#8220;acquisition proposal&#8221; &#8203;(as defined below), (ii)&#160;engage or participate in any negotiations with any person concerning any acquisition proposal, (iii)&#160;provide any confidential or nonpublic information or data to, or have or participate in any discussions with, any person relating to any acquisition proposal, or (iv)&#160;unless the Merger Agreement has been terminated in accordance with its terms, approve or enter into any term sheet, letter of intent, commitment, memorandum of understanding, agreement in principle, acquisition agreement, merger agreement or other agreement (whether written or oral, binding or nonbinding) (other than a confidentiality agreement referred to and entered into in accordance with this provision) in connection with or relating to </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">126</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">any acquisition proposal. Notwithstanding the foregoing, in the event that after the date of the Merger Agreement and prior to the receipt of the required Berkshire stockholder vote to approve the Berkshire Required Proposals, in the case or Berkshire, or the required Brookline stockholder vote to approve the Brookline Merger Proposal, in the case of Brookline, a party receives an unsolicited </font><font style="font-style:italic;letter-spacing:0.2pt;">bona fide</font><font style="letter-spacing:0.2pt;"> written acquisition proposal, such party may, and may permit its subsidiaries and its subsidiaries&#8217; representatives to, furnish or cause to be furnished confidential or nonpublic information or data and participate in such negotiations or discussions with the person making the acquisition proposal if the board of directors of such party concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial advisor) that failure to take such actions would reasonably be likely to result in a violation of its fiduciary duties under applicable law; provided, that, prior to furnishing any confidential or nonpublic information permitted to be provided pursuant to this sentence, such party shall have entered into a confidentiality agreement with the person making such acquisition proposal on terms no less favorable to such party than the Mutual Confidentiality and Exclusivity Agreement dated June&#160;19, 2024, by and between Berkshire and Brookline, which confidentiality agreement shall not provide such person with any exclusive right to negotiate with such party. Each party will, and will cause its representatives to, immediately cease and cause to be terminated any activities, discussions or negotiations conducted before the date of the Merger Agreement with any person other than Brookline or Berkshire, as applicable, with respect to any acquisition proposal. Each party will promptly (within 24 hours) advise the other party following receipt of any acquisition proposal or any inquiry which could reasonably be expected to lead to an acquisition proposal, and the substance thereof (including the terms and conditions of and the identity of the person making such inquiry or acquisition proposal), will provide the other party with an unredacted copy of any such acquisition proposal and any draft agreements, proposals or other materials received in connection with any such inquiry or acquisition proposal, and will keep the other party apprised of any related developments, discussions and negotiations on a current basis, including any amendments to or revisions of the terms of such inquiry or acquisition proposal. Each party shall use its reasonable best efforts to enforce any existing confidentiality or standstill agreements to which it or any of its subsidiaries is a party in accordance with the terms thereof. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As used in the Merger Agreement, &#8220;acquisition proposal&#8221; shall mean, with respect to Berkshire or Brookline, as applicable, other than the transactions contemplated by the Merger Agreement, any offer, proposal or inquiry relating to, or any third-party indication of interest in, (i)&#160;any acquisition or purchase, directly or indirectly, of twenty&#160;percent (20%) or more of the consolidated assets of a party and its subsidiaries or twenty&#160;percent (20%) or more of any class of equity or voting securities of a party or its subsidiaries whose assets, individually or in the aggregate, constitute twenty&#160;percent (20%) or more of the consolidated assets of the party, (ii)&#160;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result in such third party beneficially owning twenty&#160;percent (20%) or more of any class of equity or voting securities of a party or its subsidiaries whose assets, individually or in the aggregate, constitute twenty&#160;percent (20%) or more of the consolidated assets of the party, or (iii)&#160;a merger, consolidation, share exchange, business combination, reorganization, recapitalization, liquidation, dissolution or other similar transaction involving a party or its subsidiaries whose assets, individually or in the aggregate, constitute twenty&#160;percent (20%) or more of the consolidated assets of the party. </font>
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          <font style="letter-spacing:0.2pt;">Nothing contained in the Merger Agreement shall prevent a party or its board of directors from complying with Rule&#160;14d-9 and Rule&#160;14e-2 under the Securities Exchange Act of 1934, as amended, with respect to an acquisition proposal; provided, that such rules will in no way eliminate or modify the effect that any action pursuant to such rules would otherwise have under the Merger Agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Other Covenants</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Merger Agreement also contains other agreements relating to the conduct of Berkshire and Brookline before consummation of the Mergers, including the following: </font>
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          <font style="letter-spacing:0.2pt;">Berkshire and Brookline will provide each other access during normal business hours to its properties, books, contracts, commitments, personnel, information technology systems and records and will make available other reports as may be reasonably requested; </font>
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          <font style="letter-spacing:0.2pt;">Berkshire and Brookline will each promptly advise the other of any effect, change, event, circumstance, condition, occurrence or development (i)&#160;that has had or would reasonably be expected to have, either individually or in the aggregate, a material adverse effect on it or its subsidiaries, or (ii)&#160;that it </font>
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          <font style="letter-spacing:0.2pt;">127</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">believes would or would reasonably be expected to cause or constitute a material breach of any of its representations, warranties, obligations, covenants or agreements contained in the Merger Agreement; </font>
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          <font style="letter-spacing:0.2pt;">each party will give the other party prompt notice of any stockholder litigation against such party or its directors or officers relating to the transactions contemplated by the Merger Agreement, and will give the other party the opportunity to participate (at such other&#8217;s party&#8217;s expense) in the defense or settlement of any such litigation; </font>
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          <font style="letter-spacing:0.2pt;">the surviving corporation will indemnify and hold harmless and will advance expenses as incurred, in each case to the extent (subject to applicable law) such persons are indemnified or entitled to such advancement of expenses as of the date of the Merger Agreement by Brookline pursuant to the Brookline Certificate of Incorporation, the Brookline bylaws, the governing or organizational documents of any subsidiary of Brookline and any indemnification agreements in existence as of the date of the Merger Agreement, each present and former director or officer of Brookline and its subsidiaries against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the completion of the Mergers, arising out of the fact that such person is or was a director or officer of Brookline or any of its subsidiaries and pertaining to matters existing or occurring at or prior to the completion of the Mergers, including the transactions contemplated by the Merger Agreement; provided, that in the case of advancement of expenses, any Brookline indemnified party to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such Brookline indemnified party is not entitled to indemnification; </font>
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          <font style="letter-spacing:0.2pt;">for a period of six&#160;years after the completion of the Mergers, the surviving corporation will maintain the current policies of directors&#8217; and officers&#8217; liability insurance maintained by Brookline (provided, that the surviving corporation may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions that are no less advantageous to the insured) with respect to claims against the present and former officers and directors of Brookline or any of its subsidiaries arising from facts or events which occurred at or before the effective time; provided, that the surviving corporation shall not be obligated to expend, on an annual basis, an amount in excess of 300% of the current annual premium paid by Brookline for such insurance (the &#8220;Premium Cap&#8221;), and if such premiums for such insurance would at any time exceed the Premium Cap, then the surviving corporation shall cause to be maintained policies of insurance which, in the surviving corporation&#8217;s good faith determination, provide the maximum coverage available at an annual premium equal to the Premium Cap. In lieu of the foregoing, Berkshire or Brookline, in consultation with, but only upon the consent of Berkshire, may (and at the request of Berkshire, Brookline will use its reasonable best efforts to) obtain at or prior to the completion of the Mergers a six-year &#8220;tail&#8221; policy under Brookline&#8217;s existing directors&#8217; and officers&#8217; insurance policy providing equivalent coverage to that described in the preceding sentence; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">neither party will take any action that would cause any takeover restriction to become applicable to the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the parties will coordinate with respect to the declaration of any dividends with respect to Berkshire common stock and Brookline common stock and the record dates and payment dates relating thereto, it being the intention of the parties that holders of Brookline common stock will not receive two dividends, or fail to receive one dividend, in respect of any quarter with respect to their shares of Brookline common stock and any shares of Berkshire common stock any such holder receives in exchange therefor in the Mergers; and </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">effective as of the consummation of the Mergers, Berkshire will assume the payment and other obligations associated with Brookline&#8217;s trust preferred and subordinated debt securities. </font>
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          <font style="letter-spacing:-0.2pt;">Representations and Warranties Made by Berkshire and Brookline in the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire and Brookline have made certain customary representations and warranties to each other in the Merger Agreement relating to their businesses. The representations and warranties contained in the </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">128</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">Merger Agreement were made only for purposes of such agreement and are made as of specific dates, were solely for the benefit of the parties to such agreement, and may be subject to limitations agreed to by Berkshire or Brookline, including being qualified by confidential disclosures between the parties. These representations and warranties may have been made for the purpose of allocating risk between the parties to the Merger Agreement instead of establishing these matters as facts, and may be subject to standards of materiality that differ from the standard of materiality that an investor may apply when reviewing statements of factual information. </font>
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          <font style="letter-spacing:0.2pt;">Each of Berkshire and Brookline has made representations and warranties to the other regarding, among other things: </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">corporate matters, including due organization, qualification and the organizational structure; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">capitalization, including total outstanding shares and classes of stock; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">authority relative to execution and delivery of the Merger Agreement and the absence of conflicts with, violations of, or a default under organizational documents or other obligations as a result of the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">governmental filings and consents necessary to complete the Mergers; </font>
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          <font style="letter-spacing:0.2pt;">the timely filing of regulatory and securities reports; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">financial statements; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">broker&#8217;s fees; </font>
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          <font style="letter-spacing:0.2pt;">&#8226;</font>
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          <font style="letter-spacing:0.2pt;">the absence of any event or action that would, or reasonably be expected to, constitute a material adverse effect; </font>
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          <font style="letter-spacing:0.2pt;">legal proceedings; </font>
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          <font style="letter-spacing:0.2pt;">tax matters; </font>
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          <font style="letter-spacing:0.2pt;">employee benefit matters; </font>
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          <font style="letter-spacing:0.2pt;">compliance with applicable laws; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">material contracts and leases; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">agreements with regulatory agencies; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">environmental matters; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">ownership of real property; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">intellectual property; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">insurance coverage; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reorganizations; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">receipt of an opinion regarding fairness of the Merger Consideration; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">brokers or financial advisor fees; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">compliance with applicable environmental laws; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">loan portfolio matters; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.81pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">investment securities portfolio; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">risk management instruments; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">information security; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">anti-takeover provisions; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">subordinated indebtedness; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.8pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">insurance matters; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">129</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">corporate documents and records; and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">related party transactions. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The full text of such covenants, representations and warranties of each of Berkshire and Brookline are set forth in the Merger Agreement. Such covenants, representations and warranties will expire upon the completion of the Mergers, except for those covenants and agreements in the Merger Agreement which by their terms apply in whole or in part after the completion of the Mergers. </font>
        </div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Terminating the Merger Agreement</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement may be terminated by mutual written consent of Berkshire and Brookline at any time prior to the completion of the Mergers. Additionally, subject to conditions and circumstances described in the Merger Agreement, either Berkshire or Brookline may terminate the Merger Agreement if, among other things, any of the following occur: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:5.9pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:5.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Berkshire or Brookline if any governmental entity that must grant a regulatory approval has denied approval of the Mergers or the Bank Merger and such denial has become final and nonappealable or any governmental entity of competent jurisdiction has issued a final and nonappealable order, injunction, decree or other legal restraint or prohibition permanently enjoining or otherwise prohibiting or making illegal the consummation of the Mergers or the Bank Merger, unless the failure to obtain a regulatory approval is be due to the failure of the party seeking to terminate the Mergers to perform or observe the obligations, covenants and agreements of such party set forth in the Merger Agreement; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Berkshire or Brookline if the Mergers is not completed by December&#160;16, 2025, unless the failure to close by December&#160;16, 2025 is due to the failure of the party seeking to terminate the Mergers to perform or observe the obligations, covenants and agreements of such party set forth in the Merger Agreement; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either Berkshire or Brookline (provided, that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained in the Merger Agreement) if there is a material failure to perform or comply with any of the covenants or agreements set forth in the Merger Agreement, which failure (i)&#160;would constitute a breach of a closing condition, or (ii)&#160;is not cured within 30&#160;days after written notice of such failure by the terminating party to the other party; or </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">by either party if, prior to the other party having obtained its stockholders&#8217; approval, the other party (i)&#160;withholds, withdraws, modifies or qualifies its recommendation in favor of the Brookline Merger Proposal (in the case of Brookline) or the Berkshire Required Proposals (in the case of Berkshire), or (ii)&#160;breaches its obligations with respect to acquisition proposals or obtaining stockholder approval. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Termination Fee</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The Merger Agreement requires Brookline to pay Berkshire a fee of $45.0&#160;million if: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Berkshire terminates the Merger Agreement as a result of a: </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:30pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">breach by Brookline of its covenants regarding acquisition proposals or its obligation to submit the Brookline Merger Proposal to its stockholders, or </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:30pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Brookline board&#8217;s failure to recommend approval of the Brookline Merger Proposal or, after recommending the approval of the Brookline Merger Proposal, it withdraws, modifies or changes its recommendation, so long as at the time of such termination Berkshire is not in material breach of any representation, warranty, or material covenant contained in the Merger Agreement. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:6pt; margin-bottom:0pt; text-align:left; width:10pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#8226;</font>
          <br >
        </div>
        <div style=" margin-top:6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:30pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Berkshire or Brookline terminates the Merger Agreement if, prior to the termination of the Merger Agreement, a bona fide acquisition proposal shall have been communicated to or otherwise made known to the board of directors or senior management of Brookline or shall have been made directly to the stockholders of Brookline generally or any person shall have publicly announced (and </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">130</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:100pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:30pt; width:426pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">not withdrawn at least two business days prior to the Brookline meeting) an acquisition proposal, in each case with respect to Brookline and (A)&#160;(x)&#160;thereafter the Merger Agreement is terminated by either Berkshire or Brookline without the requisite Brookline vote having been obtained or (y)&#160;thereafter the Merger Agreement is terminated by Berkshire as a result of a willful breach by Brookline, and (B)&#160;prior to the date that is 12&#160;months after the date of such termination, Brookline enters into a definitive agreement or consummates a transaction with respect to an acquisition proposal (whether or not the same acquisition proposal as that referred to above); provided, that all references in the definition of acquisition proposal to &#8220;20% or more&#8221; shall instead refer to &#8220;more than 50%.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">The Merger Agreement requires Berkshire to pay Brookline a fee of $45.0&#160;million if: </font>
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          <font style="letter-spacing:0.2pt;">Brookline terminates the Merger Agreement as a result of a: </font>
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          <font style="letter-spacing:0.2pt;">breach by Berkshire of its covenants regarding acquisition proposals or its obligation to submit the Berkshire Required Proposals to its stockholders, or </font>
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          <font style="letter-spacing:0.2pt;">Berkshire board&#8217;s failure to recommend approval of the Berkshire Required Proposals or, after recommending the approval of Berkshire Required Proposals, it withdraws, modifies or changes its recommendation, so long as at the time of such termination Brookline is not in material breach of any representation, warranty, or material covenant contained in the Merger Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Brookline or Berkshire terminates the Merger Agreement, prior to the termination of the Merger Agreement, a bona fide acquisition proposal shall have been communicated to or otherwise made known to the board of directors or senior management of Berkshire or shall have been made directly to the stockholders of Berkshire generally or any person shall have publicly announced (and not withdrawn at least two business days prior to the Berkshire Meeting) an acquisition proposal, in each case with respect to Berkshire, and (A)&#160;(x)&#160;thereafter the Merger Agreement is terminated by either Berkshire or Brookline without the requisite Berkshire vote having been obtained or (y)&#160;thereafter the Merger Agreement is terminated by Brookline as a result of a willful breach by Berkshire, and (B)&#160;prior to the date that is 12&#160;months after the date of such termination, Berkshire enters into a definitive agreement or consummates a transaction with respect to an acquisition proposal (whether or not the same acquisition proposal as that referred to above); provided, that all references in the definition of acquisition proposal to &#8220;20% or more&#8221; shall instead refer to &#8220;more than 50%.&#8221; </font>
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          <font style="letter-spacing:-0.2pt;">Expenses</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Each of Berkshire and Brookline will pay its own costs and expenses incurred in connection with the Mergers, other than the costs and expenses of printing and mailing this document, which will be shared equally by the parties. </font>
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          <font style="letter-spacing:-0.2pt;">Changing the Terms of the Agreement and Plan of Merger</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Subject to compliance with applicable law, the Merger Agreement may be amended by the parties at any time before or after the receipt of the stockholder votes; provided, that after the receipt of the stockholder votes, there may not be, without further approval of the stockholders of Berkshire or the stockholders of Brookline, as applicable, any amendment of the Merger Agreement that requires such further approval under applicable law.</font>
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          <font style="letter-spacing:0.2pt;">131</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tDOBC">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">DESCRIPTION OF BERKSHIRE CAPITAL STOCK</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Authorized Capital Stock</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire is currently authorized to issue 102,000,000 shares of capital stock, 100,000,000 of which are shares of common stock, par value of $0.01 per share, and 2,000,000 of which are shares of preferred stock, par value of $0.01 per share. As of the record date for the Berkshire Annual Meeting, there are &#8199;&#8199;&#8199;&#8199;&#8199; shares of Berkshire common stock issued and outstanding and no shares of Berkshire preferred stock issued or outstanding. There are no other shares of capital stock of Berkshire authorized, issued or outstanding. As of the record date for the Berkshire Annual Meeting, Berkshire had outstanding stock options to purchase an aggregate of &#8199;&#8199;&#8199;&#8199;&#8199; shares of Berkshire common stock. </font>
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          <font style="letter-spacing:0.2pt;">In connection with the Mergers, Berkshire is asking its stockholders to approve an amendment to its Certificate of Incorporation to increase the number of authorized shares of capital stock to 202,000,000, consisting of 200,000,000 shares of common stock, par value $0.01 per share, and 2,000,000 shares of preferred stock, par value $0.01 per share. </font>
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          <font style="letter-spacing:-0.2pt;">Common Stock</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Listing and Trading of Common Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s shares of common stock are listed on the NYSE and trade under the symbol &#8220;BHLB.&#8221; Following the Mergers, shares of Berkshire common stock will continue to be listed on the NYSE, under the symbol &#8220;BHLB.&#8221; </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Voting Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The holders of the common stock exclusively possess all voting power in Berkshire, subject to the authority of the board of directors to offer voting rights to the holders of preferred stock. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The holders of common stock are entitled to one vote per share on all matters presented to stockholders. However, Berkshire&#8217;s Certificate of Incorporation provides that a record owner of Berkshire common stock who beneficially owns, either directly or indirectly, in excess of 10% of Berkshire&#8217;s outstanding shares, is not entitled to any vote in respect of the shares held in excess of the 10% limit. Holders of common stock are not entitled to cumulate their votes in the election of directors. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">No Preemptive or Conversion Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The holders of common stock do not have preemptive rights to subscribe for a proportionate share of any additional securities issued by Berkshire before such securities are offered to others. The absence of preemptive rights increases Berkshire&#8217;s flexibility to issue additional shares of common stock in connection with Berkshire&#8217;s acquisitions, employee benefit plans and for other purposes, without affording the holders of common stock a right to subscribe for their proportionate share of those additional securities. The holders of common stock are not entitled to any redemption privileges, sinking fund privileges or conversion rights. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Dividends</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Holders of common stock are entitled to receive dividends ratably when, as and if declared by Berkshire&#8217;s board of directors from assets legally available therefor, after payment of all dividends on preferred stock, if any is outstanding. Under Delaware law, Berkshire may pay dividends out of surplus or net profits for the fiscal year in which declared and/or for the preceding fiscal year, even if Berkshire&#8217;s surplus accounts are in a deficit position. </font>
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          <font style="letter-spacing:0.2pt;">Dividends paid by Berkshire Bank have historically been a significant source of funds available to Berkshire. Berkshire expects to use these sources of funds in the future, as well as proceeds it may obtain from the offering of common stock, preferred stock and/or debt securities for payment of dividends to Berkshire stockholders, the repurchase of Berkshire common stock and for other needs. The declaration and amount of future dividends will depend on circumstances existing at the time, including Berkshire&#8217;s earnings, financial condition and capital requirements, as well as regulatory limitations and such other factors as Berkshire&#8217;s board of directors deems relevant. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s principal assets and sources of income consist of investments in Berkshire&#8217;s operating subsidiaries, which are separate and distinct legal entities. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Certain Certificate of Incorporation and Bylaw Provisions Affecting Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s certificate of incorporation and bylaws contain several provisions that may make Berkshire a less attractive target for an </font>
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          <font style="letter-spacing:0.2pt;">132</font>
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          <font style="letter-spacing:0.2pt;">acquisition of control by anyone who does not have the support of Berkshire&#8217;s board of directors. Such provisions include, among other things, the requirement of a supermajority vote of stockholders or directors to approve certain business combinations and other corporate actions and a related minimum price provision, several special procedural rules, a vote limitation provision and the limitation that stockholder actions may only be taken at a meeting and may not be taken by unanimous written stockholder consent. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Restrictions on Call of Special Meetings</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s bylaws provide that special meetings of stockholders can be called by the board of directors, subject to the rights of any holders of preferred stock. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Board of Directors</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s board of directors is not classified. Subject to the rights of holders of preferred stock, a director may be removed only for cause and only by the affirmative vote of the holders of at least 80% of the voting power of all of the outstanding shares of capital stock of Berkshire entitled to vote generally in the election of directors. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Amendments to Bylaws</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s bylaws may be adopted, amended or repealed by action of Berkshire&#8217;s board of directors. Stockholders may adopt, amend or repeal the bylaws of Berkshire only by the affirmative vote of the holders of at least 80% of the voting power of all of the outstanding shares of the capital stock of Berkshire entitled to vote generally in the election of directors, in addition to any vote of the holders of any class or series of capital stock of Berkshire required by law or by the certificate of incorporation. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Amendments to Certificate of Incorporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s certificate of incorporation provides that certain provisions may only be amended by the approval of 80% of the voting power of all of the outstanding shares of the voting stock of Berkshire. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Action by Stockholders without a Meeting</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Action required or permitted to be taken at an annual or special meeting of stockholders must be effected at a duly called meeting and may not be effected by written consent of stockholders. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Business Combinations Involving Interested Stockholders</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At least 80% of the outstanding shares of voting stock of Berkshire must approve certain business combinations involving an interested stockholder or any affiliate of an interested stockholder. However, if a majority of directors not affiliated with the interested stockholder approve the business combination or certain pricing criteria are satisfied, the affirmative vote of a majority of the outstanding shares of Berkshire is sufficient to approve a business combination. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Evaluation of Offers</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire&#8217;s certificate of incorporation provides that the board of directors may, in the context of opposing a tender offer, take into account all relevant factors, including, without limitation, the social and economic effect of acceptance of such offer on Berkshire&#8217;s present and future customers and employees and those of its subsidiaries, and the communities in which Berkshire and its subsidiaries operate or are located. </font>
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          <font style="letter-spacing:0.2pt;">The foregoing is qualified in its entirely by reference to Berkshire&#8217;s certificate of incorporation and bylaws, both of which are on file with the SEC. </font>
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          <font style="font-style:italic;font-weight:bold;letter-spacing:-0.2pt;">Restrictions on Ownership</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Under the federal Change in Bank Control Act, a notice must be submitted to the Federal Reserve if any person (including a company), or group acting in concert, seeks to acquire &#8220;control&#8221; of a bank holding company or bank. An acquisition of &#8220;control&#8221; can occur upon the acquisition of 10% or more of a class of voting securities of a bank holding company or savings institution or as otherwise defined by the Federal Reserve. Under the Change in Bank Control Act, the Federal Reserve has 60&#160;days from the filing of a complete notice to act, taking into consideration certain factors, including the financial and managerial resources of the acquirer and the anti-trust effects of the acquisition. </font>
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          <font style="letter-spacing:0.2pt;">In addition to the federal bank holding company regulations, a bank holding company organized or doing business in Massachusetts must comply with requirements under Massachusetts law. Approval of the Massachusetts regulatory authorities is generally required for the Company to acquire 25% or more of the voting stock of another depository institution. Similarly, prior regulatory approval would be necessary for any person or company to acquire 25% or more of the voting stock of Berkshire. </font>
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          <font style="letter-spacing:-0.2pt;">Transfer Agent and Registrar</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The transfer agent and registrar for Berkshire common stock is Broadridge Corporate Issuer Solutions. </font>
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          <font style="letter-spacing:0.2pt;">133</font>
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          <font style="letter-spacing:-0.2pt;">Preferred Stock</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Berkshire may elect to issue shares of preferred stock from time to time. Shares of Berkshire preferred stock may have dividend, redemption, voting, sinking fund and liquidation rights, as well as other rights, preferences and privileges, taking priority over Berkshire common stock. </font>
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          <font style="letter-spacing:0.2pt;">Berkshire&#8217;s board of directors is authorized, subject to any limitations prescribed by law, to provide for the issuance of shares of preferred stock in one or more series without stockholder approval. In addition, Berkshire&#8217;s board of directors is authorized to establish from time to time the number of shares to be included in each series of preferred stock and to fix the designation, powers (including but not limited to voting powers, if any), preferences and rights of the shares of each series of preferred stock and any qualifications, limitations or restrictions of each series of preferred stock.</font>
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          <font style="letter-spacing:0.2pt;">134</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tCORO">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:6pt;margin-bottom:5.35000000000002pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">COMPARISON OF RIGHTS OF STOCKHOLDERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">The rights of stockholders of Berkshire are currently governed by Berkshire&#8217;s Certificate of Incorporation and bylaws and by Delaware law. The rights of stockholders of Brookline are currently governed by Brookline&#8217;s Certificate of Incorporation and bylaws and by Delaware law. If the Mergers are completed, Brookline stockholders who receive Berkshire common stock will become Berkshire stockholders and their rights will likewise be governed by Berkshire&#8217;s Certificate of Incorporation and bylaws and Delaware law. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12.5pt;">
          <font style="letter-spacing:0.2pt;">The following is a summary of the material differences between the rights of a Brookline stockholder and the rights of a Berkshire stockholder. This summary is not a complete statement of the differences between the rights of Brookline stockholders and the rights of Berkshire stockholders and is qualified in its entirety by reference to Delaware law and to the Certificate of Incorporation and bylaws of each corporation. Copies of Berkshire&#8217;s Certificate of Incorporation and bylaws and Brookline&#8217;s Certificate of Incorporation and bylaws are on file with the SEC. Copies of Berkshire&#8217;s Certificate of Incorporation and bylaws are also available upon written request addressed to Berkshire Hills Bancorp, Inc., 60 State Street, Boston, Massachusetts 02109, Attention: Wm. Gordon Prescott, Corporate Secretary. Copies of Brookline&#8217;s Certificate of Incorporation and bylaws are available upon written request addressed to Brookline Bancorp, Inc., 131 Clarendon Street, Boston, Massachusetts 02116, Attention: Marissa Martin, Corporate Secretary. </font>
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        <table style="width:456pt;margin-bottom:5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Authorized Stock </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">The Certificate of Incorporation currently authorizes 102,000,000 shares of capital stock, consisting of 100,000,000 shares of common stock, $0.01 par value, and 2,000,000 shares of preferred stock, $0.01 par value. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">The Certificate of Incorporation authorizes 250,000,000 shares of capital stock, consisting of 200,000,000 shares of common stock, $0.01 par value, and 50,000,000 shares of preferred stock, $0.01 par value. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">In connection with the Mergers, Berkshire is asking its stockholders to approve an amendment to its Certificate of Incorporation to increase the number of authorized shares of capital stock to 202,000,000, consisting of 200,000,000 shares of common stock, par value $0.01 per share, and 2,000,000 shares of preferred stock, par value $0.01 per share. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">At&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, there were &#8199;&#8199;&#8199;&#8199;&#8199; shares of Berkshire common stock issued and outstanding.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">At &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, there were &#8199;&#8199;&#8199;&#8199;&#8199; shares of Brookline common stock issued and outstanding. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">As of&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, there were no shares of Berkshire preferred stock issued and outstanding. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">As of &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, there were no shares of Brookline preferred stock issued and outstanding.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-bottom:5pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Limitations on Voting Rights </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">The holders of Berkshire common stock are generally entitled to one vote per share; however, Berkshire&#8217;s Certificate of Incorporation provides that a record owner of Berkshire common stock who beneficially owns, either directly or indirectly, in excess of 10% of Berkshire&#8217;s outstanding shares, is not entitled to any vote in respect of the shares held in excess of the 10% limit. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">The holders of Brookline common stock are generally entitled to one vote per share; however, Brookline&#8217;s Certificate of Incorporation provides that a record owner of Brookline common stock who beneficially owns, either directly or indirectly, in excess of 10% of Brookline&#8217;s outstanding shares, is not entitled to any vote in respect of the shares held in excess of the 10% limit.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">135</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-bottom:5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Required Vote for Authorization of Certain Actions </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s Certificate of Incorporation provides that an &#8220;interested stockholder&#8221; &#8203;(a person who directly or indirectly owns, or an affiliate or associate of Berkshire who has owned in the previous two-year period, more than 10% of Berkshire common stock) may engage in a business combination with Berkshire if at least 80% of the then-outstanding shares of voting stock of Berkshire approve certain business combinations involving an interested stockholder or any affiliate of an interested stockholder. However, if a majority of directors not affiliated with the interested stockholder approve the business combination or certain pricing criteria are satisfied, the affirmative vote of a majority of the outstanding shares of Berkshire is sufficient to approve a business combination. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s Certificate of Incorporation provides that an &#8220;interested stockholder&#8221; &#8203;(a person who directly or indirectly owns, or an affiliate or associate of Brookline who has owned in the previous two-year period, more than 10% of Brookline common stock) may engage in a business combination with Brookline if at least 80% of the then-outstanding shares of voting stock of Brookline approve certain business combinations involving an interested stockholder or any affiliate of an interested stockholder. However, if a majority of directors not affiliated with the interested stockholder approve the business combination or certain pricing criteria are satisfied, the affirmative vote of a majority of the outstanding shares of Brookline is sufficient to approve a business combination.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-bottom:5pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Evaluation of Offers </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s Certificate of Incorporation provides that its board of directors may, in the context of evaluating any offer of another person to (i)&#160;make a tender or exchange offer for any equity security of Berkshire; (ii)&#160;merge or consolidate Berkshire with another corporation or entity; or (iii)&#160;purchase or otherwise acquire all or substantially all of the properties and assets of Berkshire, in connection with the exercise of its judgement in determining what is in the best interest of Berkshire and its stockholders, give due consideration to all relevant factors, including, without limitation, those factors that Directors of any subsidiary of Berkshire may consider in evaluating any action that may result in a change or potential change in the control of the subsidiary, and the social and economic effect of acceptance of such offer: on Berkshire&#8217;s present and future customers and employees and those of its subsidiaries; on the communities in which the Berkshire and its subsidiaries operate or are located; on the ability of the Berkshire to fulfill its corporate objective as a savings and loan holding company under applicable laws and regulations; and on the ability of its subsidiary savings institution to fulfill the objectives of a stock form savings institution under applicable statutes and regulations. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s Certificate of Incorporation provides that when evaluating any offer to Brookline or to Brookline stockholders from another party to (i)&#160;make a tender or exchange offer for any equity security of Brookline, (ii)&#160;merge or consolidate Brookline with another corporation or entity, or (iii)&#160;purchase or otherwise acquire all or substantially all of the properties and assets of Brookline, its board of directors may, in connection with the exercise of its judgment in determining what is in the best interest of Brookline and its stockholders, give due consideration to all relevant factors, including, without limitation, the social and economic effect of acceptance of such offer on: Brookline&#8217;s present and future customers and employees and those of its subsidiaries; the communities in which Brookline and its subsidiaries operate or are located; the ability of Brookline to fulfill its corporate objectives as a savings or bank holding company; and the ability of its subsidiary bank to fulfill its corporate objectives under applicable statutes and regulations.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;height:37pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Annual Meetings of Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s bylaws provide that annual meetings </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s bylaws provide that annual meetings </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">136</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Annual Meetings of Stockholders </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">of stockholders can be called by the board of directors. An annual meeting of the stockholders, for the election of directors to succeed those whose terms expire and for the transaction of such other business as may properly come before the meeting, shall be held at such place, on such date, and at such time as the board of directors shall each year fix, which date shall be within 13&#160;months subsequent to the later of the date of incorporation or the last annual meeting of stockholders. </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">of stockholders can be called by the board of directors. An annual meeting of the stockholders, for the election of directors to succeed those whose terms expire and for the transaction of such other business as may properly come before the meeting, shall be held at such place, on such date, and at such time as the board of directors shall each year fix, which place, date and time may subsequently be changed at any time by vote of the board of directors. If no annual meeting has been held for a period of 13&#160;months after Brookline&#8217;s last annual meeting, a special meeting in lieu thereof may be held, and such special meeting shall have all the force and effect of an annual meeting.</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-bottom:5pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Stockholder Nominations and Proposals </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Under Berkshire&#8217;s bylaws, in order for a stockholder to properly bring business before an annual meeting and for stockholder nominations for director and proposals not included in the proxy materials, the stockholder must give written notice to Berkshire&#8217;s Corporate Secretary not less than 90&#160;days prior to the date of the annual meeting; provided, however, that in the event that less than 100&#160;days&#8217; notice or prior public disclosure of the date of the meeting is given or made to stockholders, notice by the stockholder to be timely must be received not later than the close of business on the 10th day following the day on which such notice of the date of the annual meeting was mailed or such public disclosure was made. For business to properly be brought before an annual meeting, the business must relate to a proper subject matter for stockholder action. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Under Brookline&#8217;s bylaws, in order to be considered for possible action by the stockholders at an annual meeting, stockholder nominations for director and stockholder proposals not included in Brookline&#8217;s proxy materials must be delivered to or received by Brookline not later than the close of business on the 90th day nor earlier than the close of business on the 120th prior to the one-year anniversary of the preceding year&#8217;s annual meeting; provided, however, that in the event the annual meeting is first convened more than 30&#160;days before or more than 60&#160;days after such anniversary date, or if no annual meeting were held in the preceding year, notice by the stockholder to be timely must be received by Brookline not later than the close of business on the later of the 90th day prior to the scheduled date of such annual meeting or the 10th day following the day on which public announcement of the date of such meeting is first made. A stockholder&#8217;s notice must set forth such information as required by, and otherwise comply with, Brookline&#8217;s bylaws.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-bottom:5pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Board of Directors </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s bylaws provide that its board of directors shall be such number as the board shall designate from time to time, but such number shall not exceed 15. The directors are elected for a concurrent term that shall expire at the next annual meeting of stockholders. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s bylaws provide that its board of directors shall consist of such number as the board shall from time to time have designated, except in the absence of such designation the number shall be 14. Brookline&#8217;s board of directors is divided into three classes, other than those who may be elected by the holders of any class or series of preferred stock. The term of </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">137</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Board of Directors </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:222pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:1.917pt 0pt 0.833pt 0pt; width:222pt;white-space:normal;">
              <div style="margin-left:10pt;">
                <font style="letter-spacing:0.2pt;">office of the first class to expire at the first annual meeting of stockholders, the term of office of the second class to expire at the annual meeting of stockholders one year thereafter and the term of office of the third class to expire at the annual meeting of stockholders two&#160;years, thereafter, with each Director to hold office until his or her successor shall have been duly elected and qualified. </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Under Berkshire&#8217;s bylaws, any vacancy occurring on the board of directors, including any vacancy created by an increase in the number of directors, may be filled by a majority vote of the directors then in office, though less than a quorum. Any director so chosen will hold office for a term expiring at the annual meeting of stockholders at which the term of office of the class to which they have been elected expires and until such director&#8217;s successor shall have been duly elected and qualified. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Under Brookline&#8217;s bylaws, any vacancy occurring in the board of directors, including any vacancy created by an increase in the number of directors, may only be filled by an affirmative vote of the majority of the directors then holding office, though less than a quorum, and directors so chosen shall hold office for a term expiring at the annual meeting of stockholders at which the term of office of the class to which they have been elected expires and until such director&#8217;s successor shall have been duly elected and qualified. No decrease in the number of authorized directors constituting the board shall shorten the term of any incumbent director. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Under Berkshire&#8217;s Certificate of Incorporation, a director may be removed only for cause and only by the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of capital stock entitled to vote generally in the election of directors. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s Certificate of Incorporation provides that directors may be removed only for cause and only by the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of capital stock entitled to vote generally in the election of directors.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-bottom:5pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Director and Officer Liability </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s Certificate of Incorporation provides that a director will not be personally liable to Berkshire for monetary damages for breach of fiduciary duty, except for liability: (i)&#160;for any breach of the Director&#8217;s duty of loyalty to Berkshire or its stockholders; (ii)&#160;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (iii)&#160;under Section&#160;174 of the DGCL; or (iv)&#160;for any transaction from which the director derived an improper personal benefit. If the DGCL is amended to authorize corporate action further eliminating or limiting the personal liability of directors, then the liability of a director of Berkshire shall be eliminated or limited to the fullest extent permitted by the DGCL as so amended. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s Certificate of Incorporation provides that a director will not be personally liable to Brookline for monetary damages for breach of fiduciary duty, except for liability (i)&#160;for any breach of the director&#8217;s duty of loyalty to Brookline or its stockholders; (ii)&#160;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (iii)&#160;under Section&#160;174 of the DGCL; or (iv)&#160;for any transaction from which the director derived an improper personal benefit. If the DGCL is amended to authorize corporate action further eliminating or limiting the personal liability of directors, then the liability of a director of Brookline shall be eliminated or limited to the fullest extent permitted by the DGCL as so amended.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">138</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:18pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;margin-bottom:5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Indemnification </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:20pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s Certificate of Incorporation provides that Berkshire shall indemnify any director or officer who is made party to an action by reason of the fact that he or she was a director or officer of Berkshire to the fullest extent permitted by the DGCL, except where indemnification may be prohibited by applicable law. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Brookline&#8217;s Certificate of Incorporation provides that Brookline shall indemnify any officer or director of Brookline who is made party to an action by reason of the fact that he or she was an officer or director of Brookline to the fullest extent permitted by the DGCL, except where indemnification may be prohibited by applicable law.</font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <table style="width:456pt;margin-bottom:5pt;margin-top:13pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Amendment of the Bylaws </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Berkshire </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:3.25pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 2.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s bylaws generally may be amended or repealed by the board of directors at any meeting of the board, provided notice of the proposed change was given not less than two days prior to the meeting. The stockholders shall also have power to amend, alter or repeal the bylaws at any meeting of stockholders provided notice of the proposed change was given in the notice of the meeting; provided, however, that, notwithstanding any other provisions of the bylaws or any provision of law which might otherwise permit a lesser vote or no vote, but in addition to any affirmative vote of the holders of any particular class or series of the voting stock required by law, the Certificate of Incorporation, any preferred stock designation or the bylaws, the affirmative votes of the holders of at least 80% of the voting power of all the then-outstanding shares of the voting stock, voting together as a single class, shall be required. </font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Brookline&#8217;s bylaws generally may be amended or repealed by the board of directors at any meeting of the board, provided notice of the proposed change was given not less than two days prior to the meeting. The stockholders shall also have power to amend, alter or repeal the bylaws at any meeting of stockholders provided notice of the proposed change was given in the notice of the meeting; provided, however, that, notwithstanding any other provisions of the bylaws or any provision of law which might otherwise permit a lesser vote or no vote, but in addition to any affirmative vote of the holders of any particular class or series of the voting stock required by law, the Certificate of Incorporation, any preferred stock designation or the bylaws, the affirmative votes of the holders of at least 80% of the voting power of all the then-outstanding shares of the voting stock, voting together as a single class, shall be required.</font>
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                <font style="letter-spacing:0.2pt;">Berkshire&#8217;s Certificate of Incorporation provides that Berkshire may amend or repeal any provision contained in this Certificate of Incorporation in the manner prescribed by the laws of the state of Delaware and all rights conferred upon stockholders are granted subject to this reservation; provided, however, that, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the capital stock of Berkshire entitled to vote generally in the election of directors shall be required to amend or repeal certain provisions of the Certificate of Incorporation. </font>
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                <font style="letter-spacing:0.2pt;">Brookline&#8217;s Certificate of Incorporation provides that Brookline may amend or repeal any provision contained in the Certificate of Incorporation in the manner prescribed by the laws of the state of Delaware and all rights conferred upon stockholders are granted subject to this reservation; provided, however, that, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the capital stock of Brookline entitled to vote generally in the election of directors shall be required to amend or repeal certain provisions of the Certificate of Incorporation.</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tMPAD">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">MARKET PRICE AND DIVIDEND INFORMATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Berkshire common stock is listed on the NYSE under the symbol &#8220;BHLB.&#8221; Brookline common stock is listed on the Nasdaq Global Select Market under the symbol &#8220;BRKL.&#8221; As of&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, there were approximately&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;holders of record of Berkshire common stock. As of&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025, there were approximately&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;holders of record of Brookline common stock. These numbers do not reflect the number of persons or entities who may hold their stock in nominee or &#8220;street name&#8221; through brokerage firms. </font>
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          <font style="letter-spacing:0.2pt;">Changes in the market price of Berkshire common stock prior to the completion of the Mergers will affect the value of the Merger Consideration that Brookline stockholders will be entitled to receive upon completion of the Mergers. You should obtain current market quotations for Berkshire common stock and Brookline common stock, as the market price of Berkshire common stock and Brookline common stock will fluctuate between the date of this document and the date on which the Mergers are completed. You can get these quotations on the internet or by calling your broker. </font>
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          <font style="letter-spacing:0.2pt;">140</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tLEMA">&#8203;</a><a name="tEXP">&#8203;</a><a name="tHOU">&#8203;</a><a name="tSPAN">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">LEGAL MATTERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The validity of the Berkshire common stock to be issued in the proposed Mergers has been passed upon for Berkshire by Luse Gorman, PC, Washington, D.C. Certain United States federal income taxes consequences relating to the Mergers will be passed upon for Berkshire by Luse Gorman, PC, Washington, D.C. and for Brookline by Goodwin Procter LLP, Boston, Massachusetts. </font>
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          <font style="letter-spacing:-0.2pt;">EXPERTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The consolidated financial statements of Berkshire Hills Bancorp, Inc. as of December&#160;31, 2024 and 2023, and for each of the three&#160;years in the period ended December&#160;31, 2024, have been audited by Crowe LLP, independent registered public accounting firm, and are incorporated herein by reference. Such consolidated financial statements are incorporated herein by reference in reliance upon the report of Crowe&#160;LLP given on the authority of such firm as experts in accounting and auditing. </font>
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          <font style="letter-spacing:0.2pt;">The consolidated financial statements of Brookline Bancorp, Inc. as of December&#160;31, 2024 and 2023, and for each of the&#160;years in the three-year period ended December&#160;31, 2024, and management&#8217;s assessment of the effectiveness of internal control over financial reporting as of December&#160;31, 2024 have been incorporated by reference herein in reliance upon the reports of KPMG LLP, independent registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts in accounting and auditing. </font>
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          <font style="letter-spacing:-0.2pt;">HOUSEHOLDING</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The SEC has adopted rules that permit companies and intermediaries, such as brokers, to satisfy delivery requirements for joint proxy statement/prospectuses with respect to two or more stockholders sharing the same address by delivering a single joint proxy statement/prospectus addressed to those stockholders. This process, which is commonly referred to as &#8220;householding,&#8221; potentially provides extra convenience for stockholders and cost savings for companies. Each of Berkshire and Brookline will mail only one copy of the Joint Proxy Statement/Prospectus to multiple stockholders sharing the same address. Once you have received notice from your broker or either Berkshire or Brookline, as applicable, that they will be householding materials to your address, householding will continue until you are notified otherwise or until you revoke your consent. If you hold your shares in street name and reside in a household that received only one copy of the proxy materials, you can request to receive a separate copy in the future by following the instructions sent by your broker, bank, trustee or other nominee. If your household is receiving multiple copies of the proxy materials, you may request that only a single set of materials be sent by following the instructions sent by your bank or broker. </font>
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          <font style="letter-spacing:-0.2pt;">STOCKHOLDER PROPOSALS AND NOMINATIONS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Brookline held its 2024 annual meeting of stockholders on May&#160;8, 2024. Brookline does not intend to hold a 2025 annual meeting of stockholders if the Mergers are completed as currently expected. In the event that the Mergers are not completed within the expected timeframe or at all, Brookline may hold an annual meeting of stockholders in 2025 (the &#8220;Brookline 2025 Annual Meeting&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">In order to be considered for inclusion in the proxy materials for Brookline 2025 Annual Meeting, any stockholder proposals submitted pursuant to Exchange Act Rule&#160;14a-8 for inclusion in Brookline&#8217;s proxy materials for the Brookline 2025 Annual Meeting must be received by Brookline on or before November&#160;29, 2024 in order to be considered for inclusion in its proxy materials. Such proposals must also comply with the requirements as to form and substance established by the SEC if such proposals are to be included in the proxy materials. Stockholder proposals to be presented at the Brookline 2025 Annual Meeting, other than stockholder proposals submitted pursuant to Exchange Act Rule&#160;14a-8 for inclusion in Brookline&#8217;s proxy materials for its 2025 Annual Meeting, must be received in writing at Brookline&#8217;s principal executive office, together with the appropriate supporting documentation, not later than February&#160;7, 2025, nor earlier than January&#160;8, 2025, provided, however, that in the event the Brookline 2025 Annual Meeting is first convened more than thirty (30) days before or more than sixty (60) days after the anniversary of the annual meeting of stockholders held in 2024, the stockholder proposal must be so received by the later of the close of business on the ninetieth (90th) day prior to the scheduled date of the Brookline 2025 Annual Meeting or the tenth </font>
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          <font style="letter-spacing:0.2pt;">141</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tWYCF">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">(10th) day following the date on which such notice of the date of the meeting was mailed or such public disclosure was made. Proxies solicited by Brookline&#8217;s board of directors will confer discretionary voting authority with respect to these proposals, subject to SEC rules and regulations governing the exercise of this authority. Any such proposals must be mailed to: Brookline Bancorp, Inc., 131 Clarendon Street, Boston, Massachusetts 02116, Attn.: Corporate Secretary. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In order to be eligible for inclusion in the proxy materials for Berkshire&#8217;s annual meeting to be held in 2025 any stockholder proposal to take action at such meeting must be received at Berkshire&#8217;s executive offices, 60 State Street, Boston, Massachusetts 02109, no later than&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. Any such proposals shall be subject to the requirements of the proxy rules adopted under the Exchange Act. Berkshire&#8217;s bylaws also provide an advance notice procedure for certain business, or nominations to the board of directors, to be brought before an annual meeting of stockholders. In order for a stockholder to properly bring business before an annual meeting, the stockholder must give written notice to Berkshire&#8217;s Corporate Secretary not less than 90&#160;days prior to the anniversary of the date of Berkshire&#8217;s proxy materials for the preceding year&#8217;s annual meeting; provided, however, that if the date of the annual meeting is advanced more than 30&#160;days prior to or delayed by more than 30&#160;days after the anniversary of the preceding year&#8217;s annual meeting, notice by the stockholder to be timely must be so delivered not later than the close of business on the tenth day following the day on which public announcement of the date of such annual meeting is first made. Accordingly, advance notice for certain business or nominations to Berkshire&#8217;s board of directors to be brought before the 2025 annual meeting of stockholders must be given to Berkshire by&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. Berkshire&#8217;s bylaws require that the notice must include, among other things, the stockholder&#8217;s name, record address, and number of shares owned, describe briefly the proposed business, the reasons for bringing the business before the annual meeting, and any material interest of the stockholder in the proposed business. </font>
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          <font style="letter-spacing:0.2pt;">Nothing in the foregoing shall be deemed to require Brookline or Berkshire to include in their respective proxy materials relating to any annual meeting any stockholder proposal or nomination which does not satisfy all of the requirements for inclusion established by the Securities and Exchange Commission in effect at the time such proposal or nomination is received. </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">WHERE YOU CAN FIND MORE INFORMATION</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire and Brookline file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission. These filings are available to the public over the internet at the Securities and Exchange Commission&#8217;s website at www.sec.gov. You may also read and copy any document Berkshire or Brookline files with the SEC at its public reference room located at 100&#160;F&#160;Street, NE, Washington, DC 20549. Copies of these documents also can be obtained at prescribed rates by writing to the Public Reference Section of the SEC, at 100 F Street, NE, Washington, DC 20549 or by calling 1-800-SEC-0330 for additional information on the operation of the public reference facilities. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire has filed with the SEC a registration statement on Form S-4 under the Securities Act to register the shares of Berkshire common stock to be issued to Brookline stockholders in the Mergers. This document is a part of that registration statement and constitutes a prospectus of Berkshire and a proxy statement of Berkshire in addition to being a proxy statement of Brookline for its special meeting and of Berkshire for its annual meeting. As permitted by the SEC rules, this document does not contain all of the information that you can find in the registration statement or in the exhibits to the registration statement. The additional information may be inspected and copied as set forth above. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">All information in this document concerning Berkshire and its subsidiaries has been furnished by Berkshire and all information in this document concerning Brookline and its subsidiaries has been furnished by Brookline. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Each Berkshire stockholder and each Brookline stockholder will receive a separate copy of this document, regardless of whether such stockholder is residing at a shared address with one or more other Berkshire or Brookline stockholders. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">You should rely only on the information contained in this document when evaluating the Merger Agreement and the Mergers. We have not authorized anyone to provide you with information that is different from what is contained in this document. This document is dated&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. You should not assume that the </font>
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          <font style="letter-spacing:0.2pt;">142</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:6pt;margin-bottom:35pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">information contained in this document is accurate as of any date other than such date, and neither the mailing of this document to stockholders of Brookline or Berkshire nor the issuance of shares of Berkshire common stock as contemplated by the Merger Agreement shall create any implication to the contrary</font><font style="font-weight:normal;letter-spacing:0.2pt;">. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Berkshire and Brookline incorporate by reference additional documents that each company may file with the SEC between the date of this document and the later of the date of the Berkshire Annual Meeting and the date of the Brookline Special Meeting. These documents include periodic reports, such as annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K (other than information furnished under Items&#160;2.02 or 7.01 of Form 8-K), as well as proxy statements. </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
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        <table style="width:456pt;height:65.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
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            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:222pt;">
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.75pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Annual Report on Form 10-K</a>, as <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110465925025523/tm259423d1_10ka.htm">amended</a> by that Amendment No. 1 on Form 10-K/A </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.75pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Year ended December&#160;31, 2024</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:4pt 0pt 1pt 0pt; width:222pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
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              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813424000011/bhlb-20240331.htm">Quarterly Report on Form 10-Q</a></font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:222pt;white-space:nowrap;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813424000011/bhlb-20240331.htm">Quarter Ended March&#160;31, 2024</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000094337425000064/form8k_020725.htm">Current Reports on Form 8-K</a></font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 1pt 0pt; width:222pt;white-space:nowrap;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000094337425000064/form8k_020725.htm">Filed on February&#160;27, 2025</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BROOKLINE FILINGS (SEC FILE NO. 001-23695)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:50.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
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              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:-0.16pt;">Period of Report or Date Filed </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.75pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:12pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:12pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Annual Report on Form 10-K</a>, as <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1049782/000104978225000009/brkl-20241231.htm">amended</a> by that Amendment No. 1 on Form 10-K/A </font>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3.75pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813425000003/bhlb-20241231.htm">Year ended December&#160;31, 2024</a>
              </div>
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          <tr style="line-height:10pt;white-space:normal;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;">
              <div style=" float:left; line-height:10pt; text-align:left; width:10pt;white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">&#8226;</font>
                <br >
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:10pt;">
                <!--blacklining:none;-->
                <font style="letter-spacing:0.2pt;"><a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813424000011/bhlb-20240331.htm">Quarterly Report on Form 10-Q</a></font>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:4pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="http://www.sec.gov/ix?doc=/Archives/edgar/data/1108134/000110813424000011/bhlb-20240331.htm">Quarter Ended March&#160;31, 2024</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Documents incorporated by reference are available from Berkshire and Brookline without charge (except for exhibits to the documents unless the exhibits are specifically incorporated in this document by reference). You may obtain documents incorporated by reference in this document by requesting them in writing or by telephone from the appropriate company at the following address: </font>
        </div>
        <table style="width:456pt;margin-bottom:5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:12pt;white-space:nowrap;text-align:center;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:232pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc.</font>
                <br >
                <font style="letter-spacing:0.2pt;">60 State Street</font>
                <br >
                <font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109</font>
                <br >
                <font style="letter-spacing:0.2pt;">Attention: Wm. Gordon Prescott, Corporate Secretary</font>
                <br >
                <font style="letter-spacing:0.2pt;">Telephone: (800) 773-5601 ext. 133773 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:212pt;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc.</font>
                <br >
                <font style="letter-spacing:0.2pt;">131 Clarendon Street</font>
                <br >
                <font style="letter-spacing:0.2pt;">Boston, Massachusetts 02116</font>
                <br >
                <font style="letter-spacing:0.2pt;">Attention: Marissa Martin</font>
                <br >
                <font style="letter-spacing:0.2pt;">Telephone: (617) 425-4600</font>
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            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">If you would like to request documents from Berkshire and/or Brookline, please do so by [&#8226;], 2025 to receive them before each company&#8217;s meeting of stockholders. If you request any incorporated documents, Berkshire and/or Brookline will mail them to you by first-class mail, or other equally prompt means, within one business day of its receipt of your request. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Neither Berkshire nor Brookline has authorized anyone to give any information or make any representation about the Mergers or the companies that is different from, or in addition to, that contained in this document or in any of the materials that have been incorporated in this document. Therefore, if anyone does give you information of this sort, you should not rely on it. If you are in a jurisdiction where offers to exchange or sell, or solicitations of offers to exchange or purchase, the securities offered by document or the solicitation of proxies is unlawful, or if you are a person to whom it is unlawful to direct these types of activities, then the offer presented in this document does not extend to you. The information contained in this document speaks only as of the date of this document unless the information specifically indicates that another date applies.</font>
        </div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">143</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tANA">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:476pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:right; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">ANNEX A</font>&#8203;</div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">AGREEMENT AND PLAN OF MERGER </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">by and among </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">BERKSHIRE HILLS BANCORP, INC., </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">COMMERCE ACQUISITION SUB, INC. </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">and </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">BROOKLINE BANCORP, INC. </font>
        </div>
        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dated as of December&#160;16, 2024 </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-1</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="TOC2">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">TABLE OF CONTENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:623.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.96pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Page </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <a href="#tARI"><font style="letter-spacing:-0.2pt;">Article&#160;I THE MERGER AND THE HOLDCO MERGER </font></a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.2pt;"><a href="#tARI">A-10</a></font>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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                <a href="#tSE11"><font style="letter-spacing:0.2pt;">Section&#160;1.1.</font>
                  <br >
                </a>
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                </a>
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                <a href="#tSE13"><font style="letter-spacing:0.2pt;">Section&#160;1.3.</font>
                  <br >
                </a>
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                </a>
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                <a href="#tSE15"><font style="letter-spacing:0.2pt;">Section&#160;1.5.</font>
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                <a href="#tSE16"><font style="letter-spacing:0.2pt;">Section&#160;1.6.</font>
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                <a href="#tSE17"><font style="letter-spacing:0.2pt;">Section&#160;1.7.</font>
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                  <br >
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <font style="letter-spacing:0.2pt;"><a href="#tSE112">A-13</a></font> <a href="#tSE112"></a></td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE113">A-13</a></font> <a href="#tSE113"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <font style="letter-spacing:0.2pt;"><a href="#tSE114">A-13</a></font> <a href="#tSE114"></a></td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE3110"><font style="letter-spacing:0.2pt;">Section&#160;3.10.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE3110">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Taxes and Tax Returns </font></a>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE311"><font style="letter-spacing:0.2pt;">Section&#160;3.11.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE311">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Employees and Employee Benefit Plans </font></a>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE311">A-25</a></font> <a href="#tSE311"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE312"><font style="letter-spacing:0.2pt;">Section&#160;3.12.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE312">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Compliance with Applicable Law </font></a>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE312">A-27</a></font> <a href="#tSE312"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE313"><font style="letter-spacing:0.2pt;">Section&#160;3.13.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE313">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Certain Contracts </font></a>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE314"><font style="letter-spacing:0.2pt;">Section&#160;3.14.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE314">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Agreements with Regulatory Agencies </font></a>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE315"><font style="letter-spacing:0.2pt;">Section&#160;3.15.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE315">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Risk Management Instruments </font></a>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE315">A-30</a></font> <a href="#tSE315"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE316"><font style="letter-spacing:0.2pt;">Section&#160;3.16.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE316">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Environmental Matters </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE316">A-30</a></font> <a href="#tSE316"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE317"><font style="letter-spacing:0.2pt;">Section&#160;3.17.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE317">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Investment Securities and Commodities </font></a>
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            </td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE317">A-30</a></font> <a href="#tSE317"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE318"><font style="letter-spacing:0.2pt;">Section&#160;3.18.</font>
                  <br >
                </a>
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              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE318">A-30</a></font> <a href="#tSE318"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE319"><font style="letter-spacing:0.2pt;">Section&#160;3.19.</font>
                  <br >
                </a>
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              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE319">A-31</a></font> <a href="#tSE319"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE320"><font style="letter-spacing:0.2pt;">Section&#160;3.20.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE320">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Related Party Transactions </font></a>
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE320">A-31</a></font> <a href="#tSE320"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE321"><font style="letter-spacing:0.2pt;">Section&#160;3.21.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE321">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">State Takeover Laws </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE321">A-31</a></font> <a href="#tSE321"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE322"><font style="letter-spacing:0.2pt;">Section&#160;3.22.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Reorganization </font></a>
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-2</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC3">TABLE OF CONTENTS</a><a name="TOC3">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:5.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:620.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.96pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
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                <font style="letter-spacing:-0.16pt;">Page </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE323"><font style="letter-spacing:0.2pt;">Section&#160;3.23.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE323">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Opinions </font></a>
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                <a href="#tSE323">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE323">A-32</a></font> <a href="#tSE323"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE324"><font style="letter-spacing:0.2pt;">Section&#160;3.24.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE324">
                  <!--blacklining:none;-->
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE325"><font style="letter-spacing:0.2pt;">Section&#160;3.25.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE325">A-32</a></font> <a href="#tSE325"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE326"><font style="letter-spacing:0.2pt;">Section&#160;3.26.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE326">A-33</a></font> <a href="#tSE326"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE327"><font style="letter-spacing:0.2pt;">Section&#160;3.27.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE327">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Information Security </font></a>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE327">&#8203;</a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE327">A-33</a></font> <a href="#tSE327"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE328"><font style="letter-spacing:0.2pt;">Section&#160;3.28.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE328">A-33</a></font> <a href="#tSE328"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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                <a href="#tSE329"><font style="letter-spacing:0.2pt;">Section&#160;3.29.</font>
                  <br >
                </a>
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              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:-0.2pt;"><a href="#tARIV">A-33</a></font> <a href="#tARIV"></a></td>
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                </a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE41">A-34</a></font> <a href="#tSE41"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
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                  <br >
                </a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE42">A-34</a></font> <a href="#tSE42"></a></td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE43"><font style="letter-spacing:0.2pt;">Section&#160;4.3.</font>
                  <br >
                </a>
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              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE43">A-35</a></font> <a href="#tSE43"></a></td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE44">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Consents and Approvals </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE44">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE44">A-36</a></font> <a href="#tSE44"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE45"><font style="letter-spacing:0.2pt;">Section&#160;4.5.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE45">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Reports </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE45">A-37</a></font> <a href="#tSE45"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE46"><font style="letter-spacing:0.2pt;">Section&#160;4.6.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE46">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Financial Statements </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE46">A-37</a></font> <a href="#tSE46"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE47"><font style="letter-spacing:0.2pt;">Section&#160;4.7.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE47">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Broker&#8217;s Fees </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE47">A-39</a></font> <a href="#tSE47"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE48"><font style="letter-spacing:0.2pt;">Section&#160;4.8.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE48">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Absence of Certain Changes or Events </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE48">A-39</a></font> <a href="#tSE48"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE49"><font style="letter-spacing:0.2pt;">Section&#160;4.9.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE49">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Legal Proceedings </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE49">A-39</a></font> <a href="#tSE49"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE410"><font style="letter-spacing:0.2pt;">Section&#160;4.10.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE410">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Taxes and Tax Returns </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE410">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE410">A-39</a></font> <a href="#tSE410"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE411"><font style="letter-spacing:0.2pt;">Section&#160;4.11.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE411">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Employees and Employee Benefit Plans </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE411">A-41</a></font> <a href="#tSE411"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE412"><font style="letter-spacing:0.2pt;">Section&#160;4.12.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE412">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Compliance with Applicable Law </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE412">A-43</a></font> <a href="#tSE412"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE413"><font style="letter-spacing:0.2pt;">Section&#160;4.13.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE413">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Certain Contracts </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE413">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE413">A-44</a></font> <a href="#tSE413"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE414"><font style="letter-spacing:0.2pt;">Section&#160;4.14.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE414">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Agreements with Regulatory Agencies </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE414">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE414">A-45</a></font> <a href="#tSE414"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE415"><font style="letter-spacing:0.2pt;">Section&#160;4.15.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE415">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Risk Management Instruments </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE415">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE415">A-45</a></font> <a href="#tSE415"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE416"><font style="letter-spacing:0.2pt;">Section&#160;4.16.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE416">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Environmental Matters </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE416">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE416">A-45</a></font> <a href="#tSE416"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE417"><font style="letter-spacing:0.2pt;">Section&#160;4.17.</font>
                  <br >
                </a>
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                  <font style="letter-spacing:0.2pt;">Additional Agreements </font></a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE6110"><font style="letter-spacing:0.2pt;">Section&#160;6.10.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Advice of Changes </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE6110">A-58</a></font> <a href="#tSE6110"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE611"><font style="letter-spacing:0.2pt;">Section&#160;6.11.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE611">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Dividends </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE611">A-58</a></font> <a href="#tSE611"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE612"><font style="letter-spacing:0.2pt;">Section&#160;6.12.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE612">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Stockholder Litigation </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE612">A-58</a></font> <a href="#tSE612"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE613"><font style="letter-spacing:0.2pt;">Section&#160;6.13.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE613">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Corporate Governance </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE613">A-59</a></font> <a href="#tSE613"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE614"><font style="letter-spacing:0.2pt;">Section&#160;6.14.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE614">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Acquisition Proposals </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE614">A-59</a></font> <a href="#tSE614"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE615"><font style="letter-spacing:0.2pt;">Section&#160;6.15.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE615">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Public Announcements </font></a>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE615">A-60</a></font> <a href="#tSE615"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE616"><font style="letter-spacing:0.2pt;">Section&#160;6.16.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE616">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Change of Method </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE616">A-60</a></font> <a href="#tSE616"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE617"><font style="letter-spacing:0.2pt;">Section&#160;6.17.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE617">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Restructuring Efforts </font></a>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE617">A-61</a></font> <a href="#tSE617"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE618"><font style="letter-spacing:0.2pt;">Section&#160;6.18.</font>
                  <br >
                </a>
              </div>
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                  <!--blacklining:none;-->
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE618">A-61</a></font> <a href="#tSE618"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE619"><font style="letter-spacing:0.2pt;">Section&#160;6.19.</font>
                  <br >
                </a>
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                  <!--blacklining:none;-->
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE619">A-61</a></font> <a href="#tSE619"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
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                <a href="#tSE621"><font style="letter-spacing:0.2pt;">Section&#160;6.20.</font>
                  <br >
                </a>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE621">A-61</a></font> <a href="#tSE621"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE622"><font style="letter-spacing:0.2pt;">Section&#160;6.21.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE622">
                  <!--blacklining:none;-->
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              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE622">A-62</a></font> <a href="#tSE622"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE623"><font style="letter-spacing:0.2pt;">Section&#160;6.22.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
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                <a href="#tSE95"><font style="letter-spacing:0.2pt;">Section&#160;9.5.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE95">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Notices </font></a>
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              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE96"><font style="letter-spacing:0.2pt;">Section&#160;9.6.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE96">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Interpretation </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE97"><font style="letter-spacing:0.2pt;">Section&#160;9.7.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE97">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Counterparts </font></a>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE97">A-68</a></font> <a href="#tSE97"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE98"><font style="letter-spacing:0.2pt;">Section&#160;9.8.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE98">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Entire Agreement </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE98">A-69</a></font> <a href="#tSE98"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE99"><font style="letter-spacing:0.2pt;">Section&#160;9.9.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE99">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Governing Law; Jurisdiction </font></a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE99">A-69</a></font> <a href="#tSE99"></a></td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE910"><font style="letter-spacing:0.2pt;">Section&#160;9.10.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE910">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Waiver of Jury Trial </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE910">A-69</a></font> <a href="#tSE910"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE911"><font style="letter-spacing:0.2pt;">Section&#160;9.11.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE911">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Assignment; Third-Party Beneficiaries </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
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              </div>
            </td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE911">A-69</a></font> <a href="#tSE911"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-4</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:476.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:134.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:left;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:422.96pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt;text-align:center;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Page </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.25pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE912"><font style="letter-spacing:0.2pt;">Section&#160;9.12.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE912">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Specific Performance </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE912">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.25pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE912">A-70</a></font> <a href="#tSE912"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE913"><font style="letter-spacing:0.2pt;">Section&#160;9.13.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE913">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Severability </font></a>
              </div>
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                <a href="#tSE913">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE913">A-70</a></font> <a href="#tSE913"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE914"><font style="letter-spacing:0.2pt;">Section&#160;9.14.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE914">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Confidential Supervisory Information </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE914">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE914">A-70</a></font> <a href="#tSE914"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE915"><font style="letter-spacing:0.2pt;">Section&#160;9.15.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE915">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">Delivery by Electronic Transmission </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE915">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">
              <font style="letter-spacing:0.2pt;"><a href="#tSE915">A-70</a></font> <a href="#tSE915"></a></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;white-space:normal;text-align:left;">
              <div style=" float:left; margin-left:10pt; line-height:10pt; text-align:left; width:70pt;white-space:nowrap;">
                <a href="#tSE916"><font style="letter-spacing:0.2pt;">Section&#160;9.16.</font>
                  <br >
                </a>
              </div>
              <div style=" line-height:10pt; text-align:left; margin-left:80pt;">
                <a href="#tSE916">
                  <!--blacklining:none;-->
                  <font style="letter-spacing:0.2pt;">No Other Representations or Warranties </font></a>
              </div>
              <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">
                <a href="#tSE916">&#8203;</a>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <a href="#tEXHA">Exhibit&#160;A&#8201;&#8212;&#8201;Form of Restated Certificate of Incorporation</a>
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            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:0.2pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <a href="#tEXHB">Exhibit&#160;B&#8201;&#8212;&#8201;Form of Bylaws Amendment</a>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;letter-spacing:0.2pt;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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              <a href="#tEXHC">Exhibit&#160;C&#8201;&#8212;&#8201;Form of Bank Merger Agreement</a>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:18pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        </table>
        <div style="margin-left:10pt; margin-top:8pt; text-align:center; width:446pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;"> </font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-5</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">INDEX OF DEFINED TERMS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <table style="width:456pt;height:625pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Acquisition Proposal </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-49</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Affiliate </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-59</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Agreement </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger Agreement </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger Certificates </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Bank Merger Effective Time </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Bank Rhode Island </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
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                <font style="letter-spacing:0.2pt;">Bank Rhode Island Bank Merger </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
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                <font style="letter-spacing:0.2pt;">Baseline Closing Date </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Berkshire </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-45</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-35</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-48</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-23</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-4</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-24</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-33</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-27</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Berkshire Restricted Stock Unit Awards </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-24</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-24</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Berkshire Stock Plans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Berkshire Subsidiary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-27</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">BHC Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">BOLI </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-23</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Borrower </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-22</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline 401(k) Plan </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-45</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Bank </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-6</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:655pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Benefit Plans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Board Recommendation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-43</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Bylaws </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Certificate </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Common Stock </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Contract </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-19</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Disclosure Schedule </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Equity Awards </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Indemnified Parties </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-46</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Brookline Insiders </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
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              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-3</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Confidentiality Agreement </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-42</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Continuation Period </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-45</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Continuing Employees </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-45</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Controlled Group Liability </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Delaware Secretary </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">DGCL </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Effective Time </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Enforceability Exceptions </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Environmental Laws </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-20</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">ERISA </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">ERISA Affiliate </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-0</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Agent </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Fund </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-7</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:655pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Exchange Ratio </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">FDIC </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Federal Reserve Board </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Holdco Merger Certificate </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
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                <font style="letter-spacing:0.2pt;">Holdco Merger Effective Time </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-4</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Hovde </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-13</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
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                <font style="letter-spacing:0.2pt;">Intellectual Property </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-21</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Interim Surviving Corporation </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">IRS </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-13</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Joint Proxy Statement </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Knowledge </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-57</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Liens </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-9</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Loans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-22</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Material Adverse Effect </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Materially Burdensome Regulatory Condition </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-41</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">MDOB </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Merger </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Merger Consideration </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
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                <font style="letter-spacing:0.2pt;">Multiemployer Plan </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Nasdaq </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">New Certificates </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">New Or Revised Equity Incentive Plan </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-25</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">NYDFS </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">NYSE </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-6</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Old Certificate </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-2</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">PBGC </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">PCSB Bank </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Permitted Encumbrances </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-20</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Person </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-57</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Personal Data </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-18</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Premium Cap </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-46</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Raymond James </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-28</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Recommendation Change </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-43</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Regulatory Agencies </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-11</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Representatives </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-49</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Requisite Brookline Vote </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Requisite Berkshire Vote </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-25</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Requisite Regulatory Approvals </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-41</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Restated Certificate of Incorporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">RIDOB </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 0.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-8</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:346pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:265pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">S-4 </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:0pt 0pt 1pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Sarbanes-Oxley Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-11</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">SEC </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-10</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Securities Act </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-11</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Security Breach </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-18</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Significant Subsidiaries </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">SRO </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-11</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Subsidiary </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-8</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Surviving Bank </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-5</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Surviving Corporation </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-1</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Surviving Entity Plans </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-45</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Takeover Statutes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-21</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tax </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Tax Return </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Taxes </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-15</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:422.96pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.2pt;">Termination Date </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:0pt; text-align:right; ">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-53</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-53</td>
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                <font style="letter-spacing:0.2pt;">Total Borrower Commitment </font>
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            <td style="padding:3.5pt 0pt 1.5pt 0pt; min-width:15pt; text-align:right; white-space:nowrap;">A-22</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tARI">&#8203;</a><a name="tSE11">&#8203;</a><a name="tSE12">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">AGREEMENT AND PLAN OF MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">AGREEMENT AND PLAN OF MERGER, dated as of December&#160;16, 2024 (this &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), by and among Berkshire Hills Bancorp, Inc., a Delaware corporation (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire</font><font style="letter-spacing:0.2pt;">&#8221;), Commerce Acquisition Sub, Inc., a Delaware corporation and a direct, wholly-owned subsidiary of Berkshire (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Commerce Acquisition Sub, Inc.</font><font style="letter-spacing:0.2pt;">&#8221;), and Brookline Bancorp, Inc., a Delaware corporation (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:-0.2pt;">W I T N E S S E T H:</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">WHEREAS, the Boards of Directors of Berkshire, Commerce Acquisition Sub, Inc. and Brookline have determined that it is in the best interests of their respective companies and stockholders, as applicable, to consummate the strategic business combination transaction provided for herein, pursuant to which Commerce Acquisition Sub, Inc. will, subject to the terms and conditions set forth herein, merge with and into Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger</font><font style="letter-spacing:0.2pt;">&#8221;), so that Brookline is the surviving corporation (hereinafter sometimes referred to in such capacity, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Interim Surviving Corporation</font><font style="letter-spacing:0.2pt;">&#8221;) in the Merger, and, immediately following the Merger and as part of a single integrated transaction for purposes of the Internal Revenue Code of 1986, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Code</font><font style="letter-spacing:0.2pt;">&#8221;), the Interim Surviving Corporation will, subject to the terms and conditions set forth herein, merge with and into Berkshire (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Holdco Merger</font><font style="letter-spacing:0.2pt;">&#8221;), so that Berkshire is the surviving corporation in the Holdco Merger (hereinafter sometimes referred to in such capacity as the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Surviving Corporation</font><font style="letter-spacing:0.2pt;">&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">WHEREAS, in furtherance thereof, the respective Boards of Directors of Berkshire, Commerce Acquisition Sub, Inc. and Brookline have approved this Agreement and the transactions contemplated hereby and, in the case of Berkshire, have resolved to submit the Berkshire Share Issuance (as defined in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.4</font><font style="letter-spacing:0.2pt;"> below) to its stockholders for approval and to recommend that its stockholders approve the Berkshire Share Issuance and, in the case of Brookline, have directed that this Agreement be submitted to a vote of its stockholders for approval and have recommended that its stockholders approve this Agreement; </font>
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          <font style="letter-spacing:0.2pt;">WHEREAS, for federal income tax purposes, it is intended that the Merger and the Holdco Merger, taken together, shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code, and this Agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections&#160;354 and 361 of the Code; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the parties acknowledge that the Merger and the Holdco Merger, taken together, shall constitute a &#8220;change in control&#8221; as such term is defined in the benefit plans and agreements of Berkshire, Brookline and their subsidiaries; and </font>
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          <font style="letter-spacing:0.2pt;">WHEREAS, the parties desire to make certain representations, warranties and agreements in connection with the transactions contemplated hereby and also to prescribe certain conditions to the transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">NOW, THEREFORE, in consideration of the mutual covenants, representations, warranties and agreements contained herein, and intending to be legally bound hereby, the parties agree as follows: </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE I </font>
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          <font style="letter-spacing:-0.2pt;">THE MERGER AND THE HOLDCO MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">The Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, in accordance with the Delaware General Corporation Law (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">DGCL</font><font style="letter-spacing:0.2pt;">&#8221;), at the Effective Time, Commerce Acquisition Sub, Inc. shall merge with and into Brookline. Brookline shall be the Interim Surviving Corporation in the Merger and shall continue its corporate existence under its certificate of incorporation, bylaws, and the laws of the State of Delaware. Upon consummation of the Merger, the separate corporate existence of Commerce Acquisition Sub, Inc. shall terminate. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Closing</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, the closing of the Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Closing</font><font style="letter-spacing:0.2pt;">&#8221;) will take place (a)&#160;by electronic exchange of documents at 9:00&#160;a.m., Eastern time, on a date which shall be no later than five (5)&#160;business days after all of the conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;VII</font><font style="letter-spacing:0.2pt;"> hereof have been satisfied or waived (other than those conditions that by their nature can only be satisfied at the Closing, but subject to the satisfaction or waiver thereof) (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Baseline Closing Date</font><font style="letter-spacing:0.2pt;">&#8221;); (b)&#160;at the </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSE13">&#8203;</a><a name="tSE14">&#8203;</a><a name="tSE15">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">election of both parties, on the last business day of the month in which the Baseline Closing Date occurs; or (c)&#160;at such other date, time or place as Berkshire and Brookline may mutually agree in writing after all of such conditions have been satisfied or waived (other than those conditions that by their nature can only be satisfied at the Closing, but subject to the satisfaction or waiver thereof). The date on which the Closing actually occurs is hereinafter referred to as the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Closing Date</font><font style="letter-spacing:0.2pt;">&#8221;. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effective Time</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Merger shall become effective as set forth in the certificate of merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certificate of Merger</font><font style="letter-spacing:0.2pt;">&#8221;) to be filed with the Secretary of State of the State of Delaware (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Delaware Secretary</font><font style="letter-spacing:0.2pt;">&#8221;), on the Closing Date. The Certificate of Merger, which shall be in a form reasonably satisfactory to Brookline and Berkshire, shall be executed and caused to be filed as promptly as practicable after all of the conditions in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;VII</font><font style="letter-spacing:0.2pt;"> have been satisfied or, if permissible, waived by the party entitled to do so. The term &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effective Time</font><font style="letter-spacing:0.2pt;">&#8221; shall be the time on the Closing Date when the Merger becomes effective, as set forth in the Certificate of Merger. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.4.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effects of the Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the Merger shall have the effects set forth in the applicable provisions of the DGCL and this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.5.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conversion of Brookline Common Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, by virtue of the Merger and without any action on the part of Berkshire, Commerce Acquisition Sub, Inc., Brookline, or the holder of any securities of Berkshire or Brookline: </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(e)</font><font style="letter-spacing:0.2pt;">, each share of the common stock, $0.01 par value, of Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;) issued and outstanding immediately prior to the Effective Time, except for shares of Brookline Common Stock owned by Brookline as treasury shares or owned by Brookline or Berkshire (in each case other than shares of Brookline Common Stock (i)&#160;held in trust accounts, managed accounts, mutual funds and the like, or otherwise held in a fiduciary or agency capacity that are beneficially owned by third parties or (ii)&#160;held, directly or indirectly, by Brookline or Berkshire in respect of debts previously contracted), shall be converted into the right to receive 0.42 of a share (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Ratio</font><font style="letter-spacing:0.2pt;">&#8221; and such shares, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger Consideration</font><font style="letter-spacing:0.2pt;">&#8221;) of the common stock, $0.01 par value, of Berkshire (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;All of the shares of Brookline Common Stock converted into the right to receive the Merger Consideration pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;"> shall no longer be outstanding and shall automatically be cancelled and shall cease to exist as of the Effective Time, and each certificate (each, an &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Old Certificate</font><font style="letter-spacing:0.2pt;">,&#8221; it being understood that any reference herein to an &#8220;Old Certificate&#8221; shall be deemed to include reference to book-entry account statements relating to the ownership of shares of Brookline Common Stock) previously representing any such shares of Brookline Common Stock shall thereafter represent only the right to receive (i)&#160;a New Certificate representing the number of whole shares of Berkshire Common Stock which such shares of Brookline Common Stock have been converted into the right to receive, (ii)&#160;cash in lieu of fractional shares which the shares of Brookline Common Stock represented by such Old Certificate have been converted into the right to receive pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(e)</font><font style="letter-spacing:0.2pt;">, without any interest thereon, and (iii)&#160;any dividends or distributions which the holder thereof has the right to receive pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">, without any interest thereon. If, prior to the Effective Time, the outstanding shares of Berkshire Common Stock or Brookline Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification, stock dividend, stock split, reverse stock split, or other similar change in capitalization, or there shall be any extraordinary dividend or distribution, an appropriate and proportionate adjustment shall be made to the Exchange Ratio to give Berkshire and the holders of Brookline Common Stock the same economic effect as contemplated by this Agreement prior to such event; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that nothing contained in this sentence shall be construed to permit Brookline or Berkshire to take any action with respect to its securities or otherwise that is prohibited by the terms of this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Notwithstanding anything in this Agreement to the contrary, at the Effective Time, all shares of Brookline Common Stock owned by Brookline as treasury shares or owned by Brookline or Berkshire (in each case other than shares of Brookline Common Stock (i)&#160;held in trust accounts, managed accounts, mutual funds and the like, or otherwise held in a fiduciary or agency capacity that are beneficially owned by third parties or (ii)&#160;held, directly or indirectly, by Brookline or Berkshire in respect </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSE16">&#8203;</a><a name="tSE17">&#8203;</a><a name="tSE18">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">of debts previously contracted) shall be cancelled and shall cease to exist and no Berkshire Common Stock or other consideration shall be delivered in exchange therefor. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.6.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Commerce Acquisition Sub, Inc. Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Effective Time, each share of common stock of Commerce Acquisition Sub, Inc., par value $0.01 per share (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Commerce Acquisition Sub, Inc. Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;), issued and outstanding immediately prior to the Effective Time shall at the Effective Time be converted into and become one share of common stock, par value $0.01 per share, of the Interim Surviving Corporation. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.7.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Treatment of Brookline Equity Awards</font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as otherwise agreed between Brookline and Berkshire, at the Effective Time, all outstanding time or performance-based restricted stock awards in respect of a share of Brookline Common Stock under the Brookline Stock Plan (as defined below) (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Restricted Stock Award</font><font style="letter-spacing:0.2pt;">&#8221;), shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest, with any applicable performance-based vesting condition to be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recent completed fiscal quarter, and shall be converted into, and become exchanged for the Merger Consideration (less applicable Taxes (as defined in Section&#160;3.10(b)) required to be withheld, if any, with respect to such vesting in accordance with </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(g))</font><font style="letter-spacing:0.2pt;"> within five (5)&#160;business days after the Effective Time; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that if such time frame is not operationally feasible, each Brookline Restricted Stock Award shall be cancelled and converted into the right to receive the Merger Consideration as soon as reasonably practicable after the Effective Time. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;At or prior to the Effective Time, Brookline, the Board of Directors of Brookline or the compensation committee of the Board of Directors of Brookline, as applicable, shall adopt any resolutions and take any actions that are necessary to (i)&#160;effectuate the treatment of the Brookline Equity Awards (as defined below) consistent with the provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.7</font><font style="letter-spacing:0.2pt;"> and (ii)&#160;cause the Brookline Stock Plan to terminate at or prior to the Effective Time. Brookline shall take all actions necessary to ensure that from and after the Effective Time, Berkshire will not be required to deliver shares of Brookline Common Stock or other capital stock of Brookline to any person pursuant to or in settlement of Brookline Equity Awards. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;For purposes of this Agreement, the following terms shall have the following meanings: </font>
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        <div style="margin-left:60pt; margin-top:8pt; width:396pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Equity Awards</font><font style="letter-spacing:0.2pt;">&#8221; means the Brookline Restricted Stock Awards. </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Stock Plan</font><font style="letter-spacing:0.2pt;">&#8221; means the Brookline Bancorp, Inc. 2021 Stock Option and Incentive Plan. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.8.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Treatment of Berkshire Equity Awards</font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as otherwise agreed between Brookline and Berkshire, at the Effective Time, all outstanding restricted stock awards in respect of a share of Berkshire Common Stock under the Berkshire Stock Plans (as defined below) (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Restricted Stock Award</font><font style="letter-spacing:0.2pt;">&#8221;), shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest (less applicable Taxes required to be withheld, if any, with respect to such vesting in accordance with applicable law). </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as otherwise agreed between Brookline and Berkshire, at the Effective Time, (i)&#160;any vesting conditions applicable to each outstanding time or performance-based restricted stock unit award in respect of a share of Berkshire Common Stock granted under the Berkshire Stock Plans (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Restricted Stock Unit Award</font><font style="letter-spacing:0.2pt;">&#8221;), shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest (less applicable Taxes required to be withheld, if any, with respect to such vesting in accordance with applicable law), with any applicable performance-based vesting condition to be deemed achieved at the greater of the target level of performance or actual annualized performance measured as of the most recent completed fiscal quarter. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Except as otherwise agreed between Brookline and Berkshire, at the Effective Time, all outstanding and unexercised stock options in respect of a share of Berkshire Common Stock under the </font>
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          <font style="letter-spacing:0.2pt;">A-12</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSE19">&#8203;</a><a name="tSE111">&#8203;</a><a name="tSE112">&#8203;</a><a name="tSE113">&#8203;</a><a name="tSE114">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">Berkshire Stock Plans (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Stock Option</font><font style="letter-spacing:0.2pt;">&#8221;), shall, automatically and without any required action on the part of the holder thereof, accelerate in full and fully vest, and shall remain outstanding with the same exercise price to which they were subject prior to the Effective Time, and except as noted above, shall not otherwise be affected by the Merger. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;At or prior to the Effective Time, Berkshire, the Board of Directors of Berkshire or the compensation committee of the Board of Directors of Berkshire, as applicable, shall adopt any resolutions and take any actions that are necessary to (i)&#160;effectuate the treatment of the Berkshire Equity Awards (as defined below) consistent with the provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.8</font><font style="letter-spacing:0.2pt;"> and (ii)&#160;cause contingent on the approval of the New Or Revised Equity Incentive Plan by Berkshire&#8217;s stockholders at the Berkshire Meeting, the Berkshire Stock Plans to terminate at the Effective Time, if necessary. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;For purposes of this Agreement, the following terms shall have the following meanings: </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Equity Awards</font><font style="letter-spacing:0.2pt;">&#8221; means the Berkshire Restricted Stock Awards, the Berkshire Restricted Stock Unit Awards and the Berkshire Stock Options. </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Stock Plans</font><font style="letter-spacing:0.2pt;">&#8221; means the Berkshire Hills Bancorp, Inc. 2018 Equity Incentive Plan and the Berkshire Hills Bancorp, Inc. 2022 Equity Incentive Plan. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.9.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certificate of Incorporation of Interim Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the Certificate of Incorporation of Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Certificate</font><font style="letter-spacing:0.2pt;">&#8221;), as in effect immediately prior to the Effective Time, shall be the Certificate of Incorporation of the Interim Surviving Corporation until thereafter amended in accordance with applicable law. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.10.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bylaws of Interim Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the Amended and Restated Bylaws of Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Bylaws</font><font style="letter-spacing:0.2pt;">&#8221;), as in effect immediately prior to the Effective Time, shall be the bylaws of the Interim Surviving Corporation until thereafter amended in accordance with applicable law. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.11.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Directors and Officers of Interim Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the directors and officers of Commerce Acquisition Sub, Inc. as of immediately prior to the Effective Time shall, at and after the Effective Time, be the directors and officers, respectively, of the Interim Surviving Corporation, such individuals to serve in such capacities until such time as their respective successors shall have been duly elected or appointed and qualified or until their respective earlier death, resignation or removal from office. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.12.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax Consequences</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;It is intended that the Merger and the Holdco Merger, taken together, shall be treated as an integrated transaction described in Revenue Ruling 2001-46, 2001-2 C.B.&#160;321, and shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code, and that this Agreement is intended to be and is adopted as a plan of reorganization for the purposes of Sections&#160;354 and 361 of the Code. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.13.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Holdco Merger.</font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">General</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Immediately following the Merger and as part of a single integrated transaction for U.S. federal income tax purposes, Berkshire shall cause the Interim Surviving Corporation to be, and the Interim Surviving Corporation shall be, merged with and into Berkshire in accordance with the DGCL. Berkshire shall be the Surviving Corporation in the Holdco Merger, and shall continue its corporate existence under the laws of the State of Delaware. Upon consummation of the Holdco Merger, the separate corporate existence of the Interim Surviving Corporation shall terminate. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Holdco Merger Effective Time</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and the Interim Surviving Corporation shall cause to be filed a certificate of merger with the Delaware Secretary with respect to the Holdco Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Holdco Merger Certificate</font><font style="letter-spacing:0.2pt;">&#8221;). The Holdco Merger shall become effective at such date and time as specified in the Holdco Merger Certificate in accordance with the relevant provisions of the DGCL, as applicable, or at such other date and time as shall be provided by applicable law (such date and time hereinafter referred to as the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Holdco Merger Effective Time</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC2">TABLE OF CONTENTS</a><a name="tSE115">&#8203;</a><a name="bBAME">&#8203;</a><a name="tARII">&#8203;</a><a name="tSE21">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Effects of the Holdco Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Holdco Merger Effective Time, the Holdco Merger shall have the effects set forth in the applicable provisions of the DGCL and this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Cancellation of Interim Surviving Corporation Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each share of common stock, par value $0.01 per share, of the Interim Surviving Corporation, as well as each share of any other class or series of capital stock of the Interim Surviving Corporation, in each case that is issued and outstanding immediately prior to the Holdco Merger Effective Time, shall, at the Holdco Merger Effective Time, solely by virtue and as a result of the Holdco Merger and without any action on the part of any holder thereof, automatically be cancelled and retired for no consideration and shall cease to exist. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Berkshire Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Holdco Merger Effective Time, each share of Berkshire Common Stock issued and outstanding immediately prior to the Holdco Merger Effective Time shall remain an issued and outstanding share of Berkshire Common Stock and shall not be affected by the Holdco Merger. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Certificate of Incorporation of Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Holdco Merger Effective Time, the Certificate of Incorporation of Berkshire (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Certificate</font><font style="letter-spacing:0.2pt;">&#8221;), as in effect immediately prior to the Holdco Merger Effective Time, shall be amended and restated in its entirety, as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exhibit&#160;A</font><font style="letter-spacing:0.2pt;"> attached hereto (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Restated Certificate of Incorporation</font><font style="letter-spacing:0.2pt;">&#8221;), and as so amended and restated shall be the certificate of incorporation of the Surviving Corporation, until thereafter amended or provided therein and by applicable law. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Bylaws of Surviving Corporation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Holdco Merger Effective Time, the Amended and Restated Bylaws of Berkshire (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Bylaws</font><font style="letter-spacing:0.2pt;">&#8221;) as in effect immediately prior to the Holdco Merger Effective Time and as amended as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exhibit&#160;B</font><font style="letter-spacing:0.2pt;"> attached hereto (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bylaws Amendment</font><font style="letter-spacing:0.2pt;">&#8221;), shall be the bylaws of the Surviving Corporation until thereafter amended in accordance with their terms and applicable law. </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Directors and Officers of the Surviving Corporation and Surviving Bank.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;The directors and officers of Surviving Corporation and Surviving Bank shall be as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.13</font><font style="letter-spacing:0.2pt;">, each to serve or hold office in accordance with the certificate of incorporation and bylaws of the Surviving Corporation or Surviving Bank, as applicable. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.14.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Immediately after the Merger, Berkshire Bank (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Bank</font><font style="letter-spacing:0.2pt;">&#8221;), a Massachusetts trust company and a wholly-owned subsidiary of Berkshire, Bank Rhode Island (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Rhode Island</font><font style="letter-spacing:0.2pt;">&#8221;), a Rhode Island bank and a wholly-owned subsidiary of Brookline, and PCSB Bank (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">PCSB Bank</font><font style="letter-spacing:0.2pt;">&#8221;), a New York savings bank and a wholly-owned subsidiary of Brookline, will merge (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger</font><font style="letter-spacing:0.2pt;">&#8221;) with and into Brookline Bank, a Massachusetts trust company and a wholly-owned subsidiary of Brookline (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Bank</font><font style="letter-spacing:0.2pt;">&#8221;). Brookline Bank shall be the surviving entity in the Bank Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Surviving Bank</font><font style="letter-spacing:0.2pt;">&#8221;), and following the Bank Merger, the separate corporate existence of each of Berkshire Bank, Bank Rhode Island, and PCSB Bank shall cease. Promptly after the date of this Agreement, Brookline Bank, Bank Rhode Island, PCSB Bank and Berkshire Bank will enter into an agreement and plan of merger in substantially the form set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exhibit&#160;C</font><font style="letter-spacing:0.2pt;"> (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger Agreement</font><font style="letter-spacing:0.2pt;">&#8221;). Brookline shall approve the Bank Merger Agreement and the Bank Merger as the sole stockholder of Brookline Bank, Bank Rhode Island, and PCSB Bank, and Berkshire shall approve the Bank Merger Agreement and the Bank Merger as the sole stockholder of Berkshire Bank. Brookline and Berkshire shall, and shall cause Brookline Bank, Bank Rhode Island, PCSB Bank, and Berkshire Bank, respectively, to execute certificates or articles of merger and such other documents and certificates as are necessary to make the Bank Merger effective (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger Certificates</font><font style="letter-spacing:0.2pt;">&#8221;) immediately following the Holdco Merger Effective Time. The Bank Merger shall become effective promptly following the Holdco Merger Effective Time or at such date and time as specified in the Bank Merger Agreement in accordance with applicable law (such date and time hereinafter referred to as the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bank Merger Effective Time</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE II</font>
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          <font style="letter-spacing:-0.2pt;">EXCHANGE OF SHARES</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;2.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire to Make Merger Consideration Available</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At or prior to the Effective Time, Berkshire shall deposit, or shall cause to be deposited, with an exchange agent designated by Berkshire and acceptable to Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Agent</font><font style="letter-spacing:0.2pt;">&#8221;), for the benefit of the holders of Old Certificates, for </font>
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          <font style="letter-spacing:0.2pt;">exchange in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">, (a)&#160;certificates or, at Berkshire&#8217;s option, evidence of shares in book-entry form (collectively, referred to herein as &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">New Certificates</font><font style="letter-spacing:0.2pt;">&#8221;), representing the shares of Berkshire Common Stock to be issued to holders of Brookline Common Stock and (b)&#160;cash in lieu of any fractional shares (such cash and New Certificates, together with any dividends or distributions with respect thereto, being hereinafter referred to as the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Fund</font><font style="letter-spacing:0.2pt;">&#8221;), to be issued pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5</font><font style="letter-spacing:0.2pt;"> and paid pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(a)</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;2.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange of Shares</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;As promptly as practicable after the Effective Time, but in no event later than five (5)&#160;business days thereafter, Berkshire and Brookline shall cause the Exchange Agent to mail to each holder of record of one or more Old Certificates representing shares of Brookline Common Stock immediately prior to the Effective Time that have been converted at the Effective Time into the right to receive the Merger Consideration pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;">, a letter of transmittal (which shall specify that delivery shall be effected, and risk of loss and title to the Old Certificates shall pass, only upon proper delivery of the Old Certificates to the Exchange Agent) and instructions for use in effecting the surrender of the Old Certificates in exchange for New Certificates representing the number of whole shares of Berkshire Common Stock and any cash in lieu of fractional shares which the shares of Brookline Common Stock represented by such Old Certificate or Old Certificates shall have been converted into the right to receive pursuant to this Agreement as well as any dividends or distributions to be paid pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(b)</font><font style="letter-spacing:0.2pt;">. Upon proper surrender of an Old Certificate or Old Certificates for exchange and cancellation to the Exchange Agent, together with such properly completed letter of transmittal, duly executed, the holder of such Old Certificate or Old Certificates shall be entitled to receive in exchange therefor, as applicable, (i)&#160;a New Certificate representing that number of whole shares of Berkshire Common Stock to which such holder of Brookline Common Stock shall have become entitled pursuant to the provisions of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;"> and (ii)&#160;a check representing the amount of (A)&#160;any cash in lieu of fractional shares which such holder has the right to receive in respect of the Old Certificate or Old Certificates surrendered pursuant to the provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;"> and (B)&#160;any dividends or distributions which the holder thereof has the right to receive pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2(b)</font><font style="letter-spacing:0.2pt;">, and the Old Certificate or Old Certificates so surrendered shall forthwith be cancelled. No interest will be paid or accrued on any cash in lieu of fractional shares or dividends or distributions payable to holders of Old Certificates. Until surrendered as contemplated by this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">, each Old Certificate shall be deemed at any time after the Effective Time to represent only the right to receive, upon surrender, the number of whole shares of Berkshire Common Stock which the shares of Brookline Common Stock represented by such Old Certificate have been converted into the right to receive and any cash in lieu of fractional shares or in respect of dividends or distributions as contemplated by this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;No dividends or other distributions declared with respect to Berkshire Common Stock shall be paid to the holder of any unsurrendered Old Certificate until the holder thereof shall surrender such Old Certificate in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">. After the surrender of an Old Certificate in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">, the record holder thereof shall be entitled to receive any such dividends or other distributions, without any interest thereon, which theretofore had become payable with respect to the whole shares of Berkshire Common Stock which the shares of Brookline Common Stock represented by such Old Certificate have been converted into the right to receive. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;If any New Certificate representing shares of Berkshire Common Stock is to be issued in a name other than that in which the Old Certificate or Old Certificates surrendered in exchange therefor is or are registered, it shall be a condition of the issuance thereof that the Old Certificate or Old Certificates so surrendered shall be properly endorsed (or accompanied by an appropriate instrument of transfer) and otherwise in proper form for transfer, and that the person requesting such exchange shall pay to the Exchange Agent in advance any transfer or other similar Taxes required by reason of the issuance of a New Certificate representing shares of Berkshire Common Stock in any name other than that of the registered holder of the Old Certificate or Old Certificates surrendered, or required for any other reason, or shall establish to the satisfaction of the Exchange Agent that such Tax has been paid or is not payable. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;After the Effective Time, there shall be no transfers on the stock transfer books of Brookline of the shares of Brookline Common Stock that were issued and outstanding immediately prior to the </font>
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          <font style="letter-spacing:0.2pt;">Effective Time. If, after the Effective Time, Old Certificates representing such shares are presented for transfer to the Exchange Agent, they shall be cancelled and exchanged for New Certificates representing shares of Berkshire Common Stock, cash in lieu of fractional shares and dividends or distributions as provided in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary contained herein, no New Certificates or scrip representing fractional shares of Berkshire Common Stock shall be issued upon the surrender for exchange of Old Certificates, no dividend or distribution with respect to Berkshire Common Stock shall be payable on or with respect to any fractional share, and such fractional share interests shall not entitle the owner thereof to vote or to any other rights of a stockholder of Berkshire. In lieu of the issuance of any such fractional share, Berkshire shall pay to each former holder of Brookline Common Stock who otherwise would be entitled to receive such fractional share an amount in cash (rounded to the nearest cent) determined by multiplying (i)&#160;the average of the closing-sale prices of Berkshire Common Stock on the New York Stock Exchange (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">NYSE</font><font style="letter-spacing:0.2pt;">&#8221;) as reported by </font><font style="font-style:italic;letter-spacing:0.2pt;">The Wall Street Journal</font><font style="letter-spacing:0.2pt;"> for the consecutive period of ten (10) full trading days ending on the day preceding the Closing Date by (ii)&#160;the fraction of a share (after taking into account all shares of Brookline Common Stock held by such holder immediately prior to the Effective Time and rounded to the nearest thousandth when expressed in decimal form) of Berkshire Common Stock which such holder would otherwise be entitled to receive pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;1.5</font><font style="letter-spacing:0.2pt;">. The parties acknowledge that payment of such cash consideration in lieu of issuing fractional shares is not separately bargained-for consideration, but merely represents a mechanical rounding off for purposes of avoiding the expense and inconvenience that would otherwise be caused by the issuance of fractional shares. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;Any portion of the Exchange Fund that remains unclaimed by the holders of Brookline Common Stock for twelve (12) months after the Effective Time shall be paid to the Surviving Corporation. Any former holders of Brookline Common Stock who have not theretofore complied with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;II</font><font style="letter-spacing:0.2pt;"> shall thereafter look only to the Surviving Corporation for payment of the shares of Berkshire Common Stock, cash in lieu of any fractional shares and any unpaid dividends and distributions on the Berkshire Common Stock deliverable in respect of each former share of Brookline Common Stock that such holder holds as determined pursuant to this Agreement, in each case, without any interest thereon. Notwithstanding the foregoing, none of Berkshire, Brookline, the Surviving Corporation, the Exchange Agent or any other person shall be liable to any former holder of shares of Brookline Common Stock for any amount delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar laws. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;Berkshire shall be entitled to deduct and withhold, or cause the Exchange Agent to deduct and withhold, from any cash in lieu of fractional shares of Berkshire Common Stock, any dividends or distributions payable pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;2.2</font><font style="letter-spacing:0.2pt;"> or any other consideration otherwise payable pursuant to this Agreement to any holder of Brookline Common Stock or Brookline Equity Awards such amounts as it is required to deduct and withhold with respect to the making of such payment under the Code or any provision of Tax law. To the extent that amounts are so withheld by Berkshire or the Exchange Agent, as the case may be, and timely paid over to the appropriate Governmental Entity, the withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of Brookline Common Stock or Brookline Equity Awards in respect of which the deduction and withholding was made by Berkshire or the Exchange Agent, as the case may be. </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;In the event any Old Certificate shall have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the person claiming such Old Certificate to be lost, stolen or destroyed and, if required by Berkshire or the Exchange Agent, the posting by such person of a bond in such amount as Berkshire or the Exchange Agent may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such Old Certificate, the Exchange Agent will issue in exchange for such lost, stolen or destroyed Old Certificate the shares of Berkshire Common Stock and any cash in lieu of fractional shares, and dividends of distributions, deliverable in respect thereof pursuant to this Agreement. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE III</font>
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          <font style="letter-spacing:-0.2pt;">REPRESENTATIONS AND WARRANTIES OF BROOKLINE</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Except (a)&#160;as disclosed in the disclosure schedule delivered by Brookline to Berkshire concurrently herewith (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Disclosure Schedule</font><font style="letter-spacing:0.2pt;">&#8221;); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that (i)&#160;no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (ii)&#160;the mere inclusion of an item in the Brookline Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by Brookline that such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to result in a Material Adverse Effect, and (iii)&#160;any disclosures made with respect to a section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> shall be deemed to qualify (1)&#160;any other section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> specifically referenced or cross-referenced and (2)&#160;other sections of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of the disclosure that such disclosure applies to such other sections or (b)&#160;as disclosed in any Brookline Reports (as defined in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.5(b)</font><font style="letter-spacing:0.2pt;">) filed by Brookline after January&#160;1, 2023 and prior to the date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are similarly nonspecific or cautionary, predictive or forward-looking in nature), Brookline hereby represents and warrants to Berkshire and Commerce Acquisition Sub, Inc. as follows: </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Organization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Brookline is a corporation duly organized, validly existing and in good standing under the laws of the State of Delaware and is a bank holding company duly registered under the Bank Holding Company Act of 1956, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">BHC Act</font><font style="letter-spacing:0.2pt;">&#8221;). Brookline has the corporate power and authority to own or lease all of its properties and assets and to carry on its business as it is now being conducted. Brookline is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Brookline. As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Material Adverse Effect</font><font style="letter-spacing:0.2pt;">&#8221; means, with respect to Berkshire, Commerce Acquisition Sub, Inc., Brookline or the Surviving Corporation, as the case may be, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on (i)&#160;the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries taken as a whole (</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that, with respect to this clause (i), Material Adverse Effect shall not be deemed to include the impact of (A)&#160;changes, after the date hereof, in U.S. generally accepted accounting principles (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">GAAP</font><font style="letter-spacing:0.2pt;">&#8221;) or applicable regulatory accounting requirements, (B)&#160;changes, after the date hereof, in laws, rules or regulations of general applicability to companies in the industries in which such party and its Subsidiaries operate, or interpretations thereof by courts or Governmental Entities, (C)&#160;changes, after the date hereof, in global, national or regional political conditions (including the outbreak of war or acts of terrorism) or in economic or market (including equity, credit and debt markets, as well as changes in interest rates) conditions affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries, (D)&#160;changes, after the date hereof, resulting from hurricanes, earthquakes, tornados, floods or other natural disasters or from any outbreak of any disease or other public health event, (E)&#160;public disclosure of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on a party&#8217;s relationships with its customers or employees) (it being understood and agreed that the foregoing in this subclause&#160;(E)&#160;shall not apply for purposes of the representations and warranties in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.3(b)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.4</font><font style="letter-spacing:0.2pt;">,&#160;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.11(j)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.3(b)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.4</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.11(j)</font><font style="letter-spacing:0.2pt;">) or actions expressly required by this Agreement or that are taken with the prior written consent of the other party in contemplation of the transactions contemplated hereby, (F)&#160;a decline in the trading price of a party&#8217;s common stock or the failure, in and of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying causes of such decline or failure may be taken into account in determining whether a Material Adverse Effect has occurred, except to the extent otherwise excepted by this proviso) or (G)&#160;the expenses incurred by Brookline or Berkshire in negotiating, documenting, effecting and consummating the transactions </font>
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          <font style="letter-spacing:0.2pt;">contemplated by this Agreement; except, with respect to subclauses (A), (B), (C)&#160;or (D)&#160;to the extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole, as compared to other companies in the industry in which such party and its Subsidiaries operate) or (ii)&#160;the ability of such party to timely consummate the transactions contemplated hereby. As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Subsidiary</font><font style="letter-spacing:0.2pt;">,&#8221; when used with respect to any person, means any subsidiary of such person within the meaning ascribed to such term in either Rule&#160;1-02 of Regulation&#160;S-X promulgated by the SEC or the BHC Act; and &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Significant Subsidiaries</font><font style="letter-spacing:0.2pt;">&#8221; shall have the meaning ascribed to it in Rule&#160;1-02 of Regulation&#160;S-X promulgated under the Securities Exchange Act of 1934, as amended (the &#8220; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Act</font><font style="letter-spacing:0.2pt;">&#8221;). True and complete copies of the Brookline Certificate and the Brookline Bylaws, as in effect as of the date of this Agreement, have previously been made available by Brookline to Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each Subsidiary of Brookline (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Subsidiary</font><font style="letter-spacing:0.2pt;">&#8221;) (i)&#160;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&#160;is duly qualified to do business and, where such concept is recognized under applicable law, in good standing in all jurisdictions (whether federal, state, local or foreign) where its ownership or leasing of property or the conduct of its business requires it to be so qualified and in which the failure to be so qualified would reasonably be expected to have a Material Adverse Effect on Brookline and (iii)&#160;has all requisite corporate power and authority to own or lease its properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary of Brookline to pay dividends or distributions except, in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities. The deposit accounts of each Subsidiary of Brookline that is an insured depository institution are insured by the Federal Deposit Insurance Corporation (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FDIC</font><font style="letter-spacing:0.2pt;">&#8221;) through the deposit insurance fund (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Deposit Insurance Fund</font><font style="letter-spacing:0.2pt;">&#8221;) to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings for the termination of such insurance are pending or threatened. There are no Subsidiaries of Brookline other than Brookline Bank, Bank Rhode Island and PCSB Bank that have or are required to have deposit insurance. </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.1(b)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule sets forth a true and complete list of all Subsidiaries of Brookline as of the date hereof. True and complete copies of the organizational documents of each Brookline Subsidiary as in effect as of the date of this Agreement have previously been made available by Brookline to Berkshire. There is no person whose results of operations, cash flows, changes in stockholders&#8217; equity or financial position are consolidated in the financial statements of Brookline other than the Brookline Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Capitalization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;As of the date of this Agreement, the authorized capital stock of Brookline consists of 200,000,000 shares of Brookline Common Stock and 50,000,000 shares of preferred stock, $0.01 par value (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Preferred Stock</font><font style="letter-spacing:0.2pt;">&#8221;). As of December&#160;11, 2024, there are (i)&#160;89,980,839 shares of Brookline Common Stock outstanding, including 880,748 shares of Brookline Common Stock granted in respect of outstanding Brookline Restricted Stock Awards (assuming any applicable performance goals are satisfied at the maximum level), (ii)&#160;7,017,236 shares of Brookline Common Stock held in treasury, (iii)&#160;365,868 shares of Brookline Common Stock reserved for issuance pursuant to future grants under the Brookline Stock Plan, and (iv)&#160;no shares of Brookline Preferred Stock outstanding. As of the date of this Agreement, except as set forth in the immediately preceding sentence and for changes since December&#160;11, 2024 resulting from the exercise, vesting or settlement of any Brookline Equity Awards described in the immediately preceding sentence, there are no other shares of capital stock or other equity or voting securities of Brookline issued, reserved for issuance or outstanding. All of the issued and outstanding shares of Brookline Common Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which stockholders of Brookline may vote. The trust preferred or subordinated debt securities of Brookline are issued or outstanding set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.2(a)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule (the &#8220;Brookline Debt Securities&#8221;). Other than Brookline Equity Awards issued prior to the date of this Agreement as described in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.2(a)</font><font style="letter-spacing:0.2pt;">, as of the date of this Agreement there are no outstanding subscriptions, options, warrants, stock appreciation rights, phantom&#160;units, </font>
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          <font style="letter-spacing:0.2pt;">scrip, rights to subscribe to, preemptive rights, anti-dilutive rights, rights of first refusal or similar rights, puts, calls, commitments or agreements of any character relating to, or securities or rights convertible or exchangeable into or exercisable for, or valued by reference to, shares of capital stock or other equity or voting securities of or ownership interest in Brookline, or contracts, commitments, understandings or arrangements by which Brookline may become bound to issue additional shares of its capital stock or other equity or voting securities of or ownership interests in Brookline, or that otherwise obligate Brookline to issue, transfer, sell, purchase, redeem or otherwise acquire, any of the foregoing. There are no voting trusts, stockholder agreements, proxies or other agreements in effect to which Brookline is a party or is bound with respect to the voting or transfer of Brookline Common Stock or other equity interests of Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Brookline owns, directly or indirectly, all the issued and outstanding shares of capital stock or other equity ownership interests of each of the Brookline Subsidiaries, free and clear of any liens, claims, title defects, mortgages, pledges, charges, encumbrances and security interests whatsoever (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Liens</font><font style="letter-spacing:0.2pt;">&#8221;), and all of such shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to bank Subsidiaries, as provided under any provision of applicable state law comparable to 12 U.S.C. &#167;&#160;55) and free of preemptive rights, with no personal liability attaching to the ownership thereof. No Brookline Subsidiary has or is bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Authority; No Violation</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Brookline has full corporate power and authority to execute and deliver this Agreement and, subject to the stockholder and other actions described below, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the transactions contemplated hereby (including the Merger, the Holdco Merger and the Bank Merger) have been duly and validly approved by the Board of Directors of Brookline. The Board of Directors of Brookline has determined that the transactions contemplated hereby, on the terms and conditions set forth in this Agreement, are advisable to and in the best interests of Brookline and its stockholders and has directed that this Agreement and the transactions contemplated hereby be submitted to a vote of Brookline&#8217;s stockholders at a meeting of such stockholders and has adopted a resolution to the foregoing effect. Except for (i)&#160;the approval of this Agreement by the affirmative vote of a majority of the votes outstanding by the holders of outstanding shares of Brookline Common Stock entitled to vote on this Agreement (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Requisite Brookline Vote</font><font style="letter-spacing:0.2pt;">&#8221;), (ii)&#160;the authorization of the execution of the Bank Merger Agreement by (x)&#160;the Board of Directors of Brookline Bank, (y)&#160;the Board of Directors of Bank Rhode Island, and (z)&#160;the Board of Directors of PCSB Bank and the approval of the Bank Merger Agreement by Brookline as sole stockholder of Brookline Bank, Bank Rhode Island and PCSB Bank, respectively, and (iii)&#160;if applicable, an advisory (non-binding) vote on the compensation that may be paid or become payable to Brookline&#8217;s named executive officers that is based on or otherwise related to the transactions contemplated by this Agreement, no other corporate proceedings on the part of Brookline are necessary to approve this Agreement or to consummate the transactions contemplated hereby. This Agreement has been duly and validly executed and delivered by Brookline and (assuming due authorization, execution and delivery by Berkshire and Commerce Acquisition Sub, Inc.) constitutes a valid and binding obligation of Brookline, enforceable against Brookline in accordance with its terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, moratorium, reorganization or similar laws affecting the rights of creditors generally and the availability of equitable remedies (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Enforceability Exceptions</font><font style="letter-spacing:0.2pt;">&#8221;)). </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Neither the execution and delivery of this Agreement by Brookline nor the consummation by Brookline of the transactions contemplated hereby (including the Merger, the Holdco Merger and the Bank Merger), nor compliance by Brookline with any of the terms or provisions hereof, will (i)&#160;violate any provision of the Brookline Certificate or the Brookline Bylaws or (ii)&#160;assuming that the consents and approvals referred to in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.4</font><font style="letter-spacing:0.2pt;"> are duly obtained, (x)&#160;violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Brookline or any of its Subsidiaries </font>
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          <font style="letter-spacing:0.2pt;">or any of their respective properties or assets or (y)&#160;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Brookline or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Brookline or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clauses (x)&#160;and (y)&#160;above) for such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Brookline. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.4.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Consents and Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except for (a)&#160;the filing of any required applications, filings and notices, as applicable, with the NYSE and the NASDAQ Global Select Market (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Nasdaq</font><font style="letter-spacing:0.2pt;">&#8221;), (b)&#160;the filing of any required applications, filings and notices, as applicable, with the Board of Governors of the Federal Reserve System (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Federal Reserve Board</font><font style="letter-spacing:0.2pt;">&#8221;) under the BHC Act and approval of such applications, filings and notices, (c)&#160;the filing of any required applications, filings and notices, as applicable, with the Massachusetts Division of Banks (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">MDOB</font><font style="letter-spacing:0.2pt;">&#8221;), Rhode Island Department of Business Regulation, Division of Banking (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">RIDOB</font><font style="letter-spacing:0.2pt;">&#8221;) and the New York Department of Financial Services (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">NYDFS</font><font style="letter-spacing:0.2pt;">&#8221;) and approval of such applications, filings and notices, (d)&#160;the filing of any required applications, filings or notices with any state banking or insurance authorities listed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.4</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.4</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule and approval of such applications, filings and notices, (e)&#160;the filing with the Securities and Exchange Commission (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SEC</font><font style="letter-spacing:0.2pt;">&#8221;) of a joint proxy statement in definitive form relating to the meetings of Brookline&#8217;s stockholders and Berkshire&#8217;s stockholders to be held in connection with this Agreement and the transactions contemplated hereby (including any amendments or supplements thereto, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Joint Proxy Statement</font><font style="letter-spacing:0.2pt;">&#8221;), and of the registration statement on Form S-4 in which the Joint Proxy Statement will be included as a prospectus, to be filed with the SEC by Berkshire in connection with the transactions contemplated by this Agreement (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">S-4</font><font style="letter-spacing:0.2pt;">&#8221;) and the declaration of effectiveness of the S-4, (f)&#160;the filing of the Certificate of Merger with the Delaware Secretary pursuant to the DGCL, (g)&#160;the filing of the Holdco Merger Certificate with the Delaware Secretary pursuant to the DGCL, (h)&#160;the filing of the Bank Merger Certificates with the applicable Governmental Entities as required by applicable law, (i)&#160;such filings and approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the issuance of the shares of Berkshire Common Stock pursuant to this Agreement (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Share Issuance</font><font style="letter-spacing:0.2pt;">&#8221;), and (j)&#160;the approval of the listing of such Berkshire Common Stock on the NYSE, no consents or approvals of or filings or registrations with any court, administrative agency or commission or other governmental authority or instrumentality or self-regulatory organization (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SRO</font><font style="letter-spacing:0.2pt;">&#8221;) (each a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Governmental Entity</font><font style="letter-spacing:0.2pt;">&#8221;) are necessary in connection with (A)&#160;the execution and delivery by Brookline of this Agreement or (B)&#160;the consummation by Brookline of the Merger and the other transactions contemplated hereby (including the Holdco Merger and the Bank Merger). As of the date hereof, Brookline is not aware of any reason why the necessary regulatory approvals and consents will not be received in order to permit consummation of the Merger, the Holdco Merger and the Bank Merger on a timely basis. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.5.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reports</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Brookline and each of its Subsidiaries have timely filed (or furnished) all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were required to file (or furnish, as applicable) since January&#160;1, 2023 with (i)&#160;any state regulatory authority, (ii)&#160;the SEC, (iii)&#160;the Federal Reserve Board, (iv)&#160;the FDIC, (v)&#160;the MDOB, (vi)&#160;the RIDOB, (vii)&#160;the NYDFS, (viii)&#160;any foreign regulatory authority and (ix)&#160;any SRO ((i)&#8201;&#8212;&#8201;(ix), collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Regulatory Agencies</font><font style="letter-spacing:0.2pt;">&#8221;), including, without limitation, any report, registration or statement required to be filed (or furnished, as applicable) pursuant to the laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Brookline. Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.14</font><font style="letter-spacing:0.2pt;">, except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.5(a)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule (i)&#160;other than normal </font>
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          <font style="letter-spacing:0.2pt;">examinations conducted by a Regulatory Agency in the ordinary course of business of Brookline and its Subsidiaries, no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Brookline, investigation into the business or operations of Brookline or any of its Subsidiaries since January&#160;1, 2023, (ii)&#160;there is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Brookline or any of its Subsidiaries, and (iii)&#160;there have been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of Brookline or any of its Subsidiaries since January&#160;1, 2023, in the case of each of clauses&#160;(i)&#160;through (iii), which would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;An accurate copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished by Brookline to the SEC since December&#160;31, 2022 pursuant to the Securities Act of 1933, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Securities Act</font><font style="letter-spacing:0.2pt;">&#8221;), or the Exchange Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Reports</font><font style="letter-spacing:0.2pt;">&#8221;) is publicly available. No such Brookline Report, as of the date thereof (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date. As of their respective dates, all Brookline Reports filed under the Securities Act and the Exchange Act complied in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of this Agreement, no executive officer of Brookline has failed in any respect to make the certifications required of him or her under Section&#160;302 or 906 of the Sarbanes-Oxley Act of 2002 (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sarbanes-Oxley Act</font><font style="letter-spacing:0.2pt;">&#8221;). As of the date of this Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to any of the Brookline Reports. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.6.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Financial Statements</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;The financial statements of Brookline and its Subsidiaries included (or incorporated by reference) in the Brookline Reports (including the related notes, where applicable) (i)&#160;have been prepared from, and are in accordance with, the books and records of Brookline and its Subsidiaries, (ii)&#160;fairly present in all material respects the consolidated results of operations, cash flows, changes in stockholders&#8217; equity and consolidated financial position of Brookline and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii)&#160;complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv)&#160;have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of Brookline and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. Since January&#160;1, 2023, no independent public accounting firm of Brookline has resigned (or informed Brookline that it intends to resign) or been dismissed as independent public accountants of Brookline as a result of, or in connection with, any disagreements with Brookline on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure. The financial statements of Brookline Bank, Bank Rhode Island and PCSB Bank included in the consolidated reports of condition and income (call reports) of Brookline Bank, Bank Rhode Island and PCSB Bank, as applicable complied, as of their respective dates of filing with the MDOB, RIDOB and NYDFS, as applicable, and the FDIC, in all material respects with applicable accounting requirements and with the published instructions of the Federal Financial Institutions Examination Council with respect thereto. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Brookline, neither Brookline nor any of its Subsidiaries has any liability (whether absolute, accrued, contingent or otherwise and whether due or to become due), except for those </font>
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          <font style="letter-spacing:0.2pt;">liabilities that are reflected or reserved against on the consolidated balance sheet of Brookline included in its Quarterly Report on Form 10-Q for the quarter ended September&#160;30, 2024 (including any notes thereto) and for liabilities incurred in the ordinary course of business since September&#160;30, 2024, or in connection with this Agreement and the transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;The records, systems, controls, data and information of Brookline and its Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Brookline or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline. Brookline (x)&#160;has implemented and maintains disclosure controls and procedures (as defined in Rule&#160;13a-15(e) of the Exchange Act) to ensure that material information relating to Brookline, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of Brookline by others within those entities as appropriate to allow timely decisions regarding required disclosures and to make the certifications required by the Exchange Act and Sections&#160;302 and 906 of the Sarbanes-Oxley Act, and (y)&#160;has disclosed, based on its most recent evaluation prior to the date hereof, to Brookline&#8217;s outside auditors and the audit committee of Brookline&#8217;s Board of Directors (i)&#160;any significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule&#160;13a-15(f) of the Exchange Act) which would reasonably be expected to adversely affect Brookline&#8217;s ability to record, process, summarize and report financial information, and (ii)&#160;to the knowledge of Brookline, any fraud, whether or not material, that involves management or other employees who have a significant role in Brookline&#8217;s internal controls over financial reporting. Any such disclosures were made in writing by management to Brookline&#8217;s auditors and audit committee and true, correct and complete copies of such disclosures have been made available to Berkshire. To the knowledge of Brookline, there is no reason to believe that Brookline&#8217;s outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section&#160;404 of the Sarbanes-Oxley Act, without qualification, when next due and for so long as this Agreement continues in existence. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Since January&#160;1, 2023, (i)&#160;neither Brookline nor any of its Subsidiaries, nor, to the knowledge of Brookline, any director, officer, auditor, accountant or representative of Brookline or any of its Subsidiaries, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Brookline or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that Brookline or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii)&#160;no attorney representing Brookline or any of its Subsidiaries, whether or not employed by Brookline or any of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by Brookline or any of its officers, directors, employees or agents to the Board of Directors of Brookline or any committee thereof or, to the knowledge of Brookline, to any director or officer of Brookline. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.7.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Broker&#8217;s Fees</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;With the exception of the engagement of Hovde Group, LLC (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Hovde</font><font style="letter-spacing:0.2pt;">&#8221;), neither Brookline nor any Brookline Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with the Merger or the other transactions contemplated by this Agreement. Brookline has disclosed to Berkshire as of the date hereof the aggregate fees provided for in connection with the engagement by Brookline of Hovde related to the Merger and the other transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.8.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Absence of Certain Changes or Events</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Since December&#160;31, 2023, no event or events have occurred that have had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.8(b)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule and in connection with the transactions contemplated by this Agreement, since December&#160;31, 2023, Brookline and its Subsidiaries have carried on their respective businesses in all material respects in the ordinary course. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.9.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Legal Proceedings</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Brookline, neither Brookline nor any of its Subsidiaries is or has been a party to any, and there are and have been no pending or, to Brookline&#8217;s knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions, charges, complaints or governmental or regulatory audits or investigations of any nature against or by Brookline or any of its Subsidiaries or any of their current or former directors or executive officers, in each case, or challenging the validity or propriety of the transactions contemplated by this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;There is no injunction, order, judgment, decree, ruling, writ or regulatory restriction imposed upon Brookline, any of its Subsidiaries or the assets of Brookline or any of its Subsidiaries (or that, upon consummation of the Merger and the Holdco Merger, would apply to the Surviving Corporation or any of its affiliates) that would reasonably be expected to be material to Brookline and its Subsidiaries, taken as a whole. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.10.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Taxes and Tax Returns</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each of Brookline and its Subsidiaries has duly and timely filed (including all applicable extensions) all material Tax Returns (as defined below) in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct, and complete in all material respects. Neither Brookline nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any material Tax Return (other than extensions to file Tax Returns obtained in the ordinary course). All material Taxes of Brookline and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid except such Taxes, if any, that are being contested in good faith by appropriate proceedings for which adequate accruals have been established in Brookline&#8217;s or its applicable Subsidiary&#8217;s audited consolidated financial statements in accordance with GAAP. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each of Brookline and its Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, stockholder, independent contractor or other third party. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries has requested an extension of time within which to file any Tax Return that has not since been filed or granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;The federal income Tax Returns of Brookline and its Subsidiaries for all&#160;years to and including 2020 have been examined by the Internal Revenue Service (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">IRS</font><font style="letter-spacing:0.2pt;">&#8221;) or are Tax Returns with respect to which the applicable period for assessment under applicable law, after giving effect to extensions or waivers, has expired. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries has received written notice of assessment or proposed assessment in connection with any material amount of Taxes that has not been fully settled or satisfied, and there are no threatened in writing or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of Brookline and its Subsidiaries or the assets of Brookline and its Subsidiaries. To the knowledge of Brookline, neither Brookline nor any of its Subsidiaries is aware of any claim made by any governmental authority in a jurisdiction where Brookline or any of its Subsidiaries does not file Tax Returns that any such entity is, or may be, subject to taxation by that jurisdiction. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;Brookline has made available to Berkshire true and complete copies of any private letter ruling requests, closing agreements, audit reports, technical advice memorandum or gain recognition agreements with respect to Taxes requested or executed in the last six (6)&#160;years. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between or among Brookline and its Subsidiaries). </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries (i)&#160;has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which was Brookline) or (ii)&#160;has any liability for the Taxes of any person (other than Brookline or any of its Subsidiaries) under Treasury Regulation&#160;Section&#160;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor, by contract (other than pursuant to contracts entered into in the ordinary course the principal purposes of which is not Taxes) or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries has been, within the past two (2)&#160;years or otherwise as part of a &#8220;plan (or series of related transactions)&#8221; within the meaning of Section&#160;355(e) of the Code of which the Merger is also a part, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; (within the meaning of Section&#160;355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section&#160;355 of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries has participated in a &#8220;listed transaction&#8221; within the meaning of Treasury Regulation&#160;Section&#160;1.6011-4(b)(2). </font>
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          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;At no time during the past five (5)&#160;years has Brookline been a United States real property holding corporation within the meaning of Section&#160;897(c)(2) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;Each of Brookline and its Subsidiaries currently computes its taxable income using the accrual method of accounting and has used the accrual method of accounting to compute its taxable income for all taxable&#160;years ended after December&#160;31, 2020. </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;There have not been, within two&#160;years of the date of this Agreement, any (i)&#160;redemptions of their shares by Brookline or any of its Subsidiaries, (ii)&#160;transfers or dispositions of material property by Brookline or any of its Subsidiaries for which Brookline or any of its Subsidiaries did not receive adequate consideration, or (iii)&#160;distributions by Brookline or any of its Subsidiaries with respect to their stock other than distributions of cash in the ordinary course of business. </font>
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          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries will be required to include any item of income in, or exclude any item of deduction from, taxable income for any taxable period (or portion thereof) beginning after the Closing Date, as a result of (i)&#160;any change in accounting method made before the Closing under Section&#160;481(c) of the Code (or any similar provision of state, local or foreign law), (ii)&#160;&#8220;closing agreement&#8221; described in Section&#160;7121 of the Code (or any similar provision of state, local or foreign law) entered into prior to the Closing, (iii)&#160;installment sale or open transaction disposition or intercompany transaction made on or prior to the Closing, (iv)&#160;prepaid amount received on or prior to the Closing, (v)&#160;any intercompany transactions or any excess loss account described in Treasury Regulations under Section&#160;1502 of the Code (or any corresponding or similar provision of state or local law) existing on or prior to the Closing, or (vi)&#160;any similar election, action, or agreement that would have the effect of deferring any liability for Taxes of Brookline or any of its Subsidiaries from any period ending on or before the Closing Date to any period ending after the Closing Date, in each case with respect to clauses (i)&#160;through (vi), as a result of any action or transaction occurring prior to the Closing. </font>
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          <font style="letter-spacing:0.2pt;">(o)&nbsp;&nbsp;&nbsp;As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax</font><font style="letter-spacing:0.2pt;">&#8221; or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Taxes</font><font style="letter-spacing:0.2pt;">&#8221; means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property, capital, sales, transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall profits, intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges, levies or like assessments together with all penalties and additions to tax and interest thereon, whether disputed or not. </font>
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          <font style="letter-spacing:0.2pt;">(p)&nbsp;&nbsp;&nbsp;As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax Return</font><font style="letter-spacing:0.2pt;">&#8221; means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.11.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Employees and Employee Benefit Plans</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.11(a)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule lists all material Brookline Benefit Plans. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Benefit Plans</font><font style="letter-spacing:0.2pt;">&#8221; means all employee benefit plans (as&#160;defined in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3(3)</font><font style="letter-spacing:0.2pt;"> of the Employee Retirement Income Security Act of 1974, as amended (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ERISA</font><font style="letter-spacing:0.2pt;">&#8221;)), whether or not subject to ERISA, and all stock option, stock purchase, restricted stock, incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance or other benefit plans, programs or arrangements, retention, bonus, employment, change in control, termination or severance plans, programs, agreements or arrangements that are maintained, contributed to or sponsored or maintained by, or required to be contributed to, Brookline or any of its Subsidiaries for the benefit of any current or former employee, officer or director of Brookline or any of its Subsidiaries, excluding, in each case, any Multiemployer Plan. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Brookline has heretofore made available to Berkshire true and complete copies of (i)&#160;each material Brookline Benefit Plan, including any amendments thereto and all related trust documents, insurance contracts or other funding vehicles (or, for any unwritten Brookline Benefit Plan, a written description of the material terms of such plan), and (ii)&#160;to the extent applicable, (A)&#160;the most recent summary plan description, if any, required under ERISA with respect to such Brookline Benefit Plan, (B)&#160;the most recent annual report (Form 5500), if any, filed with the IRS, (C)&#160;the most recently received IRS determination letter, if any, relating to such Brookline Benefit Plan, (D)&#160;the most recently prepared actuarial report for each Brookline Benefit Plan (if applicable), (E)&#160;non-discrimination testing results for the three most recent plan&#160;years, and (F)&#160;all material non-routine correspondence to or from any Governmental Entity received in the last three (3)&#160;years with respect to such Brookline Benefit Plan. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Each Brookline Benefit Plan has been established, operated and administered in all material respects in accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;For each Brookline Benefit Plan that is intended to be qualified under Section&#160;401(a) of the Code (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Qualified Plans</font><font style="letter-spacing:0.2pt;">&#8221;), the IRS has issued a favorable determination letter or advisory opinion with respect to each Brookline Qualified Plan and the related trust, and, to the knowledge of Brookline, there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status of any Brookline Qualified Plan or the related trust or require corrective action to the IRS Employee Plans Compliance Resolution System to maintain such qualified status. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;With respect to each Brookline Benefit Plan that is subject to Title IV or Section&#160;302 of ERISA or Section&#160;412, 430 or 4971 of the Code: (i)&#160;no such Brookline Benefit Plan is in &#8220;at-risk&#8221; status for purposes of Section&#160;430 of the Code, (ii)&#160;no reportable event within the meaning of Section&#160;4043(c) of ERISA for which the 30-day notice requirement has not been waived has occurred, (iii)&#160;all premiums to the Pension Benefit Guaranty Corporation (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">PBGC</font><font style="letter-spacing:0.2pt;">&#8221;) have been timely paid in full, (iv)&#160;no material liability (other than for premiums to the PBGC) under Title IV of ERISA has been or is reasonably expected to be incurred by Brookline or any of its Subsidiaries, and (v)&#160;the PBGC has not instituted proceedings to terminate any such Brookline Benefit Plan. No Controlled Group Liability has been incurred by Brookline or its ERISA Affiliates that has not been satisfied in full, and, to the knowledge of Brookline, no condition exists that presents a material risk to Brookline or its ERISA Affiliates of incurring any such liability, except as, either individually or in the aggregate, would not reasonably be expected to result in any material liability to Brookline and its Subsidiaries. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Controlled Group Liability</font><font style="letter-spacing:0.2pt;">&#8221; means any and all liabilities (A)&#160;under Title&#160;IV of ERISA, (B)&#160;under Section&#160;302 of ERISA, (C)&#160;under Sections&#160;412 and 4971 of the Code, and (D)&#160;as a result of a failure to comply with the continuing coverage requirements of Section&#160;601 </font><font style="font-style:italic;letter-spacing:0.2pt;">et seq</font><font style="letter-spacing:0.2pt;">. of ERISA and Section&#160;4980B of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;None of Brookline, any of its Subsidiaries or any of their respective ERISA Affiliates has, at any time during the last six (6)&#160;years, contributed to or been obligated to contribute to (i)&#160;any employee benefit plan that is or was subject to Title IV of ERISA, or Section&#160;412 of the Code, or Section&#160;302 of ERISA, (ii)&#160;any plan that is a &#8220;multiemployer plan&#8221; within the meaning of Section&#160;4001(a)(3) of </font>
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          <font style="letter-spacing:0.2pt;">ERISA (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Multiemployer Plan</font><font style="letter-spacing:0.2pt;">&#8221;) (iii)&#160;a plan that has two or more contributing sponsors, at least two of whom are not under common control, within the meaning of Section&#160;4063 of ERISA (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Multiple Employer Plan</font><font style="letter-spacing:0.2pt;">&#8221;), (iv)&#160;any funded welfare benefit plan within the meaning of Section&#160;419 of the Code, or (v)&#160;any &#8220;multiple employer welfare arrangement&#8221; &#8203;(as such term is defined in Section&#160;3(40) of ERISA), and none of Brookline, any of its Subsidiaries or any of their respective ERISA Affiliates has incurred any material liability to a Multiemployer Plan or a Multiple Employer Plan as a result of a complete or partial withdrawal (as those terms are defined in Part&#160;I of Subtitle E of Title IV of ERISA) from a Multiemployer Plan or a Multiple Employer Plan that has not been satisfied in full. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ERISA Affiliate</font><font style="letter-spacing:0.2pt;">&#8221; means, with respect to any entity, trade or business, any other entity, trade or business that is, or was at the relevant time, a member of a group described in Section&#160;414(b), (c), (m)&#160;or (o)&#160;of the Code or Section&#160;4001(b)(1) of ERISA that includes or included the first entity, trade or business, or that is, or was at the relevant time, a member of the same &#8220;controlled group&#8221; as the first entity, trade or business pursuant to Section&#160;4001(a)(14) of ERISA. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.11(g)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, neither Brookline nor any of its Subsidiaries sponsors, has sponsored or has any obligation with respect to any employee benefit plan that provides for any post-employment or post-retirement health or medical or life insurance benefits for retired or former employees or their dependents, except as required by Section&#160;4980B of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;All contributions required to be made to any Brookline Benefit Plan by applicable law or by any plan document, and all premiums due or payable with respect to insurance policies funding any Brookline Benefit Plan, for any period through the date hereof, have been timely made or paid in full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the books and records of Brookline, except as, either individually or in the aggregate, would not reasonably be expected to result in any material liability to Brookline and its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;There are no pending or threatened claims (other than claims for benefits in the ordinary course), lawsuits or arbitrations that have been asserted or instituted, and, to Brookline&#8217;s knowledge, no set of circumstances exists that may reasonably be expected to give rise to a claim or lawsuit, against the Brookline Benefit Plans, any fiduciaries thereof with respect to their duties to the Brookline Benefit Plans or the assets of any of the trusts under any of the Brookline Benefit Plans, except as, either individually or in the aggregate, would not reasonably be expected to result in any material liability to Brookline and its Subsidiaries. No Brookline Benefit Plan is, or within the past six&#160;years has been, the subject of an application or filing under a government sponsored amnesty, voluntary compliance, or similar program, or been the subject of any self-correction under any such program. </font>
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          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.11(j)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby will (either alone or in conjunction with any other event) (i)&#160;entitle any employee, officer, director or individual independent contractor of Brookline or any of its Subsidiaries to any payment or benefit, (ii)&#160;result in, accelerate, cause the vesting, exercisability, funding, payment or delivery of, or increase in the amount or value of, any payment, right or other benefit to any employee, officer, director or independent contractor of Brookline or any of its Subsidiaries, (iii)&#160;accelerate the timing of or cause Brookline or any of its Subsidiaries to transfer or set aside any assets to fund any material benefits under any Brookline Benefit Plan, (iv)&#160;result in any limitation on the right of Brookline or any of its Subsidiaries to amend, merge, terminate or receive a reversion of assets from any Brookline Benefit Plan or related trust, or (v)&#160;result in any amount paid or payable (whether in cash, in property, or in the form of benefits) by Brookline or any of its Subsidiaries in connection with the transactions contemplated hereby (either solely as a result thereof or as a result of such transactions in conjunction with any other event) that will be an &#8220;excess parachute payment&#8221; within the meaning of Section&#160;280G of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries is a party to any plan, program, agreement or arrangement that provides for the gross-up or reimbursement of Taxes imposed under Sections&#160;409A or 4999 of the Code (or any corresponding provisions of state or local law relating to Tax). </font>
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          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;No Brookline Benefit Plan is maintained outside the jurisdiction of the United States or covers any employees or other service providers of Brookline or any of its Subsidiaries who reside or work outside of the United States. </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;There are no and, for the past three (3)&#160;years, there have not been any pending or, to the knowledge of Brookline, threatened material labor grievances, labor arbitrations or unfair labor practice claims or charges against Brookline or any of its Subsidiaries, or any strikes, lockouts, concerted work stoppages, handbillings, picketings or other material labor disputes against or by Brookline or any of its Subsidiaries. Neither Brookline nor any of its Subsidiaries is party to or bound by any collective bargaining or other agreement with any labor union or other labor organization, or work rules or practices agreed to with any labor organization or employee association applicable to employees of Brookline or any of its Subsidiaries and, to the knowledge of Brookline, there have been no organizing efforts by any union or other group seeking to represent any employees of Brookline and its Subsidiaries in the past three (3)&#160;years. No employees of Brookline or any of its Subsidiaries are represented by any labor union, works council, or other labor organization with respect to their employment with Brookline or any of its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;Brookline and its Subsidiaries are in compliance in all material respects with and, for the past three (3)&#160;years, have complied in all material respects with, all laws regarding labor, employment and employment practices including all such laws respecting terms and conditions of employment, wages and hours, paid sick leave, classification of employees and independent contractors, equitable pay practices, privacy rights, labor disputes, employment discrimination, harassment, workers&#8217; compensation or long-term disability policies, retaliation, immigration (including the completion of Forms I-9 for all employees and the proper confirmation of employee visas), family and medical leave and other disability rights and benefits, whistleblowing, employee trainings and notices, artificial intelligence and the use of automated decision-making tools in employment decisions, employee leave issues, occupational safety and health and plant closings and layoffs (including notice, information, consultation and other requirements under the Worker Adjustment and Retraining Act of 1988 or similar state or local law (the &#8220;WARN Act&#8221;)). </font>
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          <font style="letter-spacing:0.2pt;">(o)&nbsp;&nbsp;&nbsp;Except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.11(o)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule: (i)&#160;No written or, to the knowledge of Brookline, oral allegations of sexual or other harassment or sexual or other misconduct premised on inclusion in a protected class have been made in the past three (3)&#160;years against any individual in his or her capacity as a Brookline Insider (as defined in Section&#160;6.19) or managerial- or supervisory-level employee of Brookline of any of its Subsidiaries, (ii)&#160;in the past three (3)&#160;years, neither Brookline nor any of its Subsidiaries has entered into any settlement agreement related to allegations of sexual or other harassment or sexual or other misconduct premised on inclusion in a protected class by any Brookline Insiders or managerial- or supervisory-level employees of Brookline of any of its Subsidiaries, and (iii)&#160;in the past three (3)&#160;years, there have been no proceedings pending or, to the knowledge of Brookline, threatened related to any allegations of sexual or other harassment or sexual or other misconduct premised on inclusion in a protected class by any individual in his or her capacity as a Brookline Insider or managerial- or supervisory-level employee of Brookline of any of its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(p)&nbsp;&nbsp;&nbsp;All Brookline Benefit Plans that constitute in any part &#8220;nonqualified deferred compensation plans&#8221; &#8203;(within the meaning of Section&#160;409A of the Code) have been operated and maintained in all material respects in operational and documentary compliance with Section&#160;409A of the Code and the regulations issued thereunder. No payment to be made under any Brookline Benefit Plan is, or to the knowledge of Brookline, will be, subject to the penalties of Section&#160;409A(a)(1) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.12.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Compliance with Applicable Law</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline and each of its Subsidiaries hold, and have at all times since December&#160;31, 2022, held, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Brookline, and, to the knowledge of Brookline, no suspension or cancellation of any such necessary license, franchise, </font>
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          <font style="letter-spacing:0.2pt;">permit or authorization is threatened. Brookline and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any applicable law, statute, order, rule, regulation, written policy and/or guideline of any Governmental Entity relating to Brookline or any of its Subsidiaries, except where any failure to so comply or the existence of any such default or violation would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Brookline. Each of Brookline&#8217;s Subsidiaries that is an insured depository institution has a Community Reinvestment Act rating of &#8220;satisfactory&#8221; or better, and no such Subsidiary anticipates that a current &#8220;satisfactory&#8221; or better rating will be reduced. Except as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Brookline, to the knowledge of Brookline, no director, officer, employee, agent or other person acting on behalf of Brookline or any of its Subsidiaries has, directly or indirectly, (a)&#160;used any funds of Brookline or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (b)&#160;made any unlawful payment to foreign or domestic governmental officials or employees or to foreign or domestic political parties or campaigns from funds of Brookline or any of its Subsidiaries, (c)&#160;violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d)&#160;established or maintained any unlawful fund of monies or other assets of Brookline or any of its Subsidiaries, (e)&#160;made any fraudulent entry on the books or records of Brookline or any of its Subsidiaries, or (f)&#160;made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment in securing business, to obtain special concessions for Brookline or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Brookline or any of its Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department. Brookline maintains a written information privacy and security program that maintains commercially reasonable measures designed to protect the privacy, confidentiality and security of all data or information that constitutes personal data or personal information under applicable law (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Personal Data</font><font style="letter-spacing:0.2pt;">&#8221;) against any (i)&#160;loss or misuse of Personal Data, (ii)&#160;unauthorized or unlawful operations performed upon Personal Data or (iii)&#160;other act or omission that compromises the security or confidentiality of Personal Data (clauses (i)&#160;through (iii), a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Security Breach</font><font style="letter-spacing:0.2pt;">&#8221;). To the knowledge of Brookline, Brookline has not experienced any Security Breach that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Brookline. To the knowledge of Brookline, there are no data security or other technological vulnerabilities with respect to Brookline&#8217;s information technology systems or networks that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Brookline. Except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Brookline: (i)&#160;Brookline and each of its Subsidiaries have properly administered all accounts for which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign law; and (ii)&#160;none of Brookline, any of its Subsidiaries, or any of its or its Subsidiaries&#8217; directors, officers or employees, has committed any breach of trust or fiduciary duty with respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately reflect the assets and results of such fiduciary account. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.13.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certain Contracts</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.13(a)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or as filed with or incorporated into any Brookline Report filed prior to the date hereof, as of the date hereof, neither Brookline nor any of its Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral, but excluding any Brookline Benefit Plan): (i)&#160;which is a &#8220;material contract&#8221; &#8203;(as such term is defined in Item&#160;601(b)(10) of Regulation&#160;S-K of the SEC); (ii)&#160;which contains a provision that materially restricts the conduct of any line of business by Brookline or any of its Subsidiaries or upon consummation of the transactions contemplated by this Agreement will materially restrict the ability of the Surviving Corporation or any of its affiliates to engage in any line of business or in any geographic region (including any exclusivity or exclusive dealing provisions with such an effect); (iii)&#160;which is a collective bargaining agreement or other agreement with any labor union, works council, or other labor organization; (iv)&#160;any of the benefits of or obligations under which will arise or be increased or accelerated by the occurrence of the execution and delivery of this Agreement, receipt of the Requisite Brookline Vote or the announcement or consummation of any of the </font>
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          <font style="letter-spacing:0.2pt;">transactions contemplated by this Agreement, or under which a right of cancellation or termination will arise as a result thereof, or the value of any of the benefits of which will be calculated on the basis of any of the transactions contemplated by this Agreement, where such increase or acceleration of benefits or obligations, right of cancellation or termination, or change in calculation of value of benefits would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Brookline; (v)&#160;(A)&#160;that relates to the incurrence of indebtedness by Brookline or any of its Subsidiaries, including any sale and leaseback transactions, capitalized leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case incurred in the ordinary course of business), (B)&#160;that provides for the guarantee, support, assumption or endorsement by Brookline or any of its Subsidiaries of, or any similar commitment by Brookline or any of its Subsidiaries with respect to, the obligations, liabilities or indebtedness of any other person, in the case of each of clauses (A)&#160;and (B), in the principal amount of $250,000 or more, or (C)&#160;that provides for any material indemnification or similar obligations on the part of Brookline or any of its Subsidiaries; (vi)&#160;that grants any right of first refusal, right of first offer or similar right with respect to any material assets, rights or properties of Brookline or its Subsidiaries, taken as a whole; (vii)&#160;which creates future payment obligations in excess of $500,000 per annum other than any such contracts which are terminable by Brookline or any of its Subsidiaries on sixty (60) days or less notice without any required payment or other conditions, other than extensions of credit, other customary banking products offered by Brookline or its Subsidiaries, or derivatives issued or entered into in the ordinary course of business; (viii)&#160;that is a settlement, consent or similar agreement and contains any material continuing obligations of Brookline or any of its Subsidiaries; or (ix)&#160;that relates to the acquisition or disposition of any person, business or asset and under which Brookline or its Subsidiaries have or may have a material obligation or liability. Each contract, arrangement, commitment or understanding of the type described in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.13(a)</font><font style="letter-spacing:0.2pt;"> (excluding any Brookline Benefit Plan), whether or not set forth in the Brookline Disclosure Schedule, is referred to herein as a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Contract</font><font style="letter-spacing:0.2pt;">.&#8221; Brookline has made available to Berkshire true, correct and complete copies of each Brookline Contract in effect as of the date hereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;In each case, except as, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Brookline, (i)&#160;each Brookline Contract is valid and binding on Brookline or one of its Subsidiaries, as applicable, and in full force and effect, (ii)&#160;Brookline and each of its Subsidiaries has complied with and performed all obligations required to be performed by it to date under each Brookline Contract, (iii)&#160;to the knowledge of Brookline, each third-party counterparty to each Brookline Contract has complied with and performed all obligations required to be performed by it to date under such Brookline Contract, (iv)&#160;Brookline does not have knowledge of, and has not received notice of, any violation of any Brookline Contract by any of the other parties thereto, and (v)&#160;no event or condition exists which constitutes or, after notice or lapse of time or both, will constitute, a breach or default on the part of Brookline or any of its Subsidiaries, or to the knowledge of Brookline, any other party thereto, of or under any such Brookline Contract. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.14.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreements with Regulatory Agencies</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Neither Brookline nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January&#160;1, 2023, a recipient of any supervisory letter from, or since January&#160;1, 2023, has adopted any policies, procedures or board resolutions at the request or suggestion of, any Regulatory Agency or other Governmental Entity that currently restricts in any material respect or would reasonably be expected to restrict in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Brookline Disclosure Schedule, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Regulatory Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), nor has Brookline or any of its Subsidiaries been advised in writing, or to Brookline&#8217;s knowledge, orally, since January&#160;1, 2023, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering, or requesting any such Brookline Regulatory Agreement, nor does Brookline believe that any such Brookline Regulatory Agreement is likely to be initiated, ordered or requested. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.15.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Risk Management Instruments</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Brookline, (a)&#160;all interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements, whether entered into for the account of Brookline, any of its Subsidiaries or for the account of a customer of Brookline or one of its Subsidiaries, were entered into in the ordinary course of business and in accordance with applicable rules, regulations and policies of any Regulatory Agency and with counterparties believed to be financially responsible at the time and are legal, valid and binding obligations of Brookline or one of its Subsidiaries enforceable in accordance with their terms (except as may be limited by the Enforceability Exceptions), and are in full force and effect; and (b)&#160;Brookline and each of its Subsidiaries have duly performed in all material respects all of their material obligations thereunder to the extent that such obligations to perform have accrued, and, to Brookline&#8217;s knowledge, there are no material breaches, violations or defaults or allegations or assertions of such by any party thereunder. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.16.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Environmental Matters</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Brookline, Brookline and its Subsidiaries are in compliance, and have complied since January&#160;1, 2023, with each binding and applicable federal, state or local law, regulation, order, decree, permit, authorization, common law or agency requirement relating to: (a)&#160;the protection or restoration of the environment, the protection of human health and safety as it relates to hazardous substance exposure, or natural resource damages, (b)&#160;the handling, use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance, or (c)&#160;pollution, contamination or any injury to persons or property from exposure to any hazardous substance (collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Environmental Laws</font><font style="letter-spacing:0.2pt;">&#8221;). There are no legal, administrative, arbitral or other proceedings, claims or actions or, to the knowledge of Brookline, any governmental investigations of any nature seeking to impose, or that would reasonably be expected to result in the imposition, on Brookline or any of its Subsidiaries of any liability or obligation arising under any Environmental Law, pending or threatened against Brookline, which liability or obligation would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Brookline. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.17.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Investment Securities and Commodities</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each of Brookline and its Subsidiaries has good title in all material respects to all securities and commodities owned by it (except those sold under repurchase agreements), free and clear of any Liens, except as set forth in the financial statements included in the Brookline Reports or to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of Brookline or its Subsidiaries. Such securities and commodities are valued on the books of Brookline in accordance with GAAP in all material respects. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Brookline and its Subsidiaries and their respective businesses employ investment, securities, commodities, risk management and other policies, practices and procedures that Brookline believes are prudent and reasonable in the context of such businesses, and Brookline and its Subsidiaries have, since January&#160;1, 2023, been in compliance with such policies, practices and procedures in all material respects. Prior to the date of this Agreement, Brookline has made available to Berkshire the material terms of such policies, practices and procedures. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.18.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Real Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline, (a)&#160;Brookline or a Brookline Subsidiary has good and marketable title to all the real property reflected in the latest audited balance sheet included in the Brookline Reports as being owned by Brookline or a Brookline Subsidiary or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course of business) (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Owned Properties</font><font style="letter-spacing:0.2pt;">&#8221;), free and clear of all Liens, except (i)&#160;statutory Liens securing payments not yet due, (ii)&#160;Liens for real property Taxes not yet due and payable, (iii)&#160;easements, rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties and (iv)&#160;such imperfections or irregularities of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties (clauses (i)&#160;through (iv), collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Permitted Encumbrances</font><font style="letter-spacing:0.2pt;">&#8221;), and (b)&#160;is the lessee of all leasehold estates reflected in the latest audited financial statements included in such Brookline Reports or acquired after the date thereof (except for leases that have expired by their terms since the date thereof) </font>
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          <font style="letter-spacing:0.2pt;">(collectively with Brookline Owned Properties, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Real Property</font><font style="letter-spacing:0.2pt;">&#8221;), free and clear of all Liens of any nature whatsoever, except for Permitted Encumbrances, and is in possession of the properties purported to be leased thereunder, and each such lease is valid without default thereunder by the lessee or, to the knowledge of Brookline, the lessor. There are no pending or, to the knowledge of Brookline, threatened condemnation proceedings against Brookline Real Property. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.19.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Intellectual Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline and each of its Subsidiaries owns, or is licensed to use (in each case, free and clear of any material Liens), all Intellectual Property necessary for the conduct of its business as currently conducted. Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline, (a)&#160;(i)&#160;to the knowledge of Brookline, the use of any Intellectual Property by Brookline and its Subsidiaries does not infringe, misappropriate or otherwise violate the rights of any person and is in accordance with any applicable license pursuant to which Brookline or any Brookline Subsidiary acquired the right to use any Intellectual Property, and (ii)&#160;no person has asserted in writing to Brookline that Brookline or any of its Subsidiaries has infringed, misappropriated or otherwise violated the Intellectual Property rights of such person, (b)&#160;no person is challenging or, to the knowledge of Brookline, infringing on or otherwise violating, any right of Brookline or any of its Subsidiaries with respect to any Intellectual Property owned by Brookline or its Subsidiaries, and (c)&#160;neither Brookline nor any Brookline Subsidiary has received any written notice of any pending claim with respect to any Intellectual Property owned by Brookline or any Brookline Subsidiary, and Brookline and its Subsidiaries have taken commercially reasonable actions to avoid the abandonment, cancellation or unenforceability of all Intellectual Property owned or licensed, respectively, by Brookline and its Subsidiaries. Brookline and each of its Subsidiaries has obtained and possesses valid licenses to use all of the software programs present on the computers and other software-enabled electronic devices that it owns or leases or that it has otherwise provided to its employees and contractors for their use. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Intellectual Property</font><font style="letter-spacing:0.2pt;">&#8221; means trademarks, service marks, brand names, internet domain names, logos, symbols, certification marks, trade dress and other indications of origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application; patents, applications for patents (including divisions, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or reissues thereof, in any jurisdiction; trade secrets; and copyright registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.20.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Related Party Transactions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.20</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, there are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of related transactions, between Brookline or any of its Subsidiaries, on the one hand, and any current or former director or &#8220;executive officer&#8221; &#8203;(as defined in Rule&#160;3b-7 under the Exchange Act) of Brookline or any of its Subsidiaries or any person who beneficially owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or more of the outstanding Brookline Common Stock (or any of such person&#8217;s immediate family members or affiliates) (other than Subsidiaries of Brookline) on the other hand, of the type required to be reported in any Brookline Report pursuant to Item&#160;404 of Regulation&#160;S-K promulgated under the Exchange Act that have not been so reported on a timely basis. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.21.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">State Takeover Laws</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Board of Directors of Brookline has approved this Agreement and the transactions contemplated hereby and has taken all such other necessary actions as required to render inapplicable to such agreements and transactions the provisions of any potentially applicable takeover laws of any state including the DGCL or similar provision of the Brookline Certificate or Brookline Bylaws (any of the foregoing, together with any similar provisions of law applicable to Berkshire and provisions of the Berkshire Certificate, Berkshire Bylaws, Commerce Acquisition Sub, Inc. Certificate or Commerce Acquisition Sub, Inc. Bylaws, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Takeover Statutes</font><font style="letter-spacing:0.2pt;">&#8221;). In accordance with Section&#160;262 of the DGCL, no appraisal or dissenters&#8217; rights will be available to the holders of Brookline Common Stock in connection with the Merger. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.22.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reorganization</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline has not taken any action (or failed to take any action, including failing to use its reasonable best efforts to cause any of its respective Subsidiaries from taking any action) and is not aware of any fact or circumstance, in each case, that could reasonably be expected to </font>
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          <font style="letter-spacing:0.2pt;">prevent (i)&#160;the Merger and the Holdco Merger, taken together, from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code or (ii)&#160;Goodwin Procter LLP from delivering the opinions described in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3(c)</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.23.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Opinions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Prior to the execution of this Agreement, the Board of Directors of Brookline has received an opinion (which, if initially rendered verbally, has been or will be confirmed by a written opinion, dated the same date) of Hovde to the effect that, as of the date of such opinion, and based upon and subject to the factors, assumptions and limitations set forth therein, the Exchange Ratio in the Merger is fair from a financial point of view to the holders of Brookline Common Stock. Such opinion has not been amended or rescinded as of the date of this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.24.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Information</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The information relating to Brookline and its Subsidiaries to be contained in the Joint Proxy Statement and the S-4, and the information relating to Brookline and its Subsidiaries that is provided by Brookline or its representatives for inclusion in any other document filed with any Regulatory Agency in connection herewith, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading. The Joint Proxy Statement (except for such portions thereof that relate only to Berkshire or any of its Subsidiaries) will comply in all material respects with the provisions of the Exchange Act and the rules and regulations thereunder. The S-4 (except for such portions thereof that relate only to Berkshire or any of its Subsidiaries) will comply in all material respects with the provisions of the Securities Act and the rules and regulations thereunder. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.25.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Loan Portfolio</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;As of the date hereof, except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.25(a)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, neither Brookline nor any of its Subsidiaries is a party to any written or oral loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Loans</font><font style="letter-spacing:0.2pt;">&#8221;) with any borrower (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Borrower</font><font style="letter-spacing:0.2pt;">&#8221;) in which Brookline or any Subsidiary of Brookline is a creditor which as of September&#160;30, 2024, had an outstanding balance plus unfunded commitments, if any (collectively, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Total Borrower Commitment</font><font style="letter-spacing:0.2pt;">&#8221;), of $10,000,000 or more and under the terms of which the Borrower was, as of September&#160;30, 2024, over ninety (90) days or more delinquent in payment of principal or interest. Set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.25(a)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule is a true, correct and complete list in all material respects of (A)&#160;all of the Loans of Brookline and its Subsidiaries that, as of September&#160;30, 2024, had an outstanding balance of $20,000,000 or more and were classified by Brookline as &#8220;Other Loans Specially Mentioned,&#8221; &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import, together with the principal amount and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B)&#160;each asset of Brookline or any of its Subsidiaries that, as of September&#160;30, 2024, is classified as &#8220;Other Real Estate Owned&#8221; and the book value thereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline, each Loan of Brookline and its Subsidiaries (i)&#160;is evidenced by notes, agreements or other evidences of indebtedness (including, as applicable, lost note affidavits) that are true, genuine and what they purport to be in all material respects, (ii)&#160;to the extent carried on the books and records of Brookline and its Subsidiaries as secured Loans, has been secured by valid Liens, as applicable, which have been perfected or are in the process of being recorded and perfected and (iii)&#160;is the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline, each outstanding Loan of Brookline or any of its Subsidiaries (including Loans held for resale to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written underwriting standards of Brookline and its Subsidiaries (and, in the case of Loans held for resale to </font>
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          <font style="letter-spacing:0.2pt;">investors, the underwriting standards, if any, of the applicable investors) and with all applicable federal, state and local laws, regulations and rules. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.26.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Insurance</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline, Brookline and its Subsidiaries are insured with reputable insurers against such risks and in such amounts as the management of Brookline reasonably has determined to be prudent and consistent with industry practice, and Brookline and its Subsidiaries are in compliance in all material respects with their insurance policies and are not in default under any of the terms thereof, each such policy is outstanding and in full force and effect and, except for policies insuring against potential liabilities of officers, directors and employees of Brookline and its Subsidiaries, Brookline or the relevant Subsidiary thereof is the sole beneficiary of such policies, and all premiums and other payments due under any such policy have been paid, and all claims thereunder have been filed in due and timely fashion. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.26(b)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule sets forth a true, correct and complete description of all bank owned life insurance (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">BOLI</font><font style="letter-spacing:0.2pt;">&#8221;) owned by each of Brookline Bank, Bank Rhode Island and PCSB Bank or their respective Subsidiaries as applicable, including the value of its BOLI. The value of such BOLI is and has been fairly and accurately reflected in the most recent balance sheet included in Brookline Reports in accordance with GAAP. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.27.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Information Security</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Brookline, to the knowledge of Brookline, since January&#160;1, 2023, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of the business of Brookline and its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.28.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Subordinated Indebtedness</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline has performed, or has caused its applicable Subsidiary to perform, all of the obligations required to be performed by it and its Subsidiaries and is not in default under the terms of the indebtedness or other instruments related thereto set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.19</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, including any indentures, junior subordinated debentures or trust preferred securities or any agreements related thereto. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.29.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Investment Advisor Subsidiary; No Broker-Dealer Subsidiary</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;No Brookline Subsidiary is required to be registered with the SEC as an investment adviser under the Investment Advisers Act of 1940, as amended. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;No Brookline Subsidiary is a broker-dealer or is required to be registered as a &#8220;broker&#8221; or &#8220;dealer&#8221; in accordance with the provisions of the Exchange Act, and no employee of a Subsidiary of Brookline is required to be registered, licensed or qualified as a registered representative of a broker-dealer under, and in compliance with, applicable law. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE IV</font>
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          <font style="letter-spacing:-0.2pt;">REPRESENTATIONS AND WARRANTIES OF BERKSHIRE AND COMMERCE ACQUISITION SUB, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Except (a)&#160;as disclosed in the disclosure schedule delivered by Berkshire to Brookline concurrently herewith (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Disclosure Schedule</font><font style="letter-spacing:0.2pt;">&#8221;); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that (i)&#160;no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (ii)&#160;the mere inclusion of an item in the Berkshire Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by Berkshire or Commerce Acquisition Sub, Inc. that such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to result in a Material Adverse Effect, and (iii)&#160;any disclosures made with respect to a section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;"> shall be deemed to qualify (1)&#160;any other section of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;"> specifically referenced or cross-referenced and (2)&#160;other sections of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;"> to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of the disclosure that such disclosure applies to such other sections or (b)&#160;as disclosed in any Berkshire Reports filed by Berkshire after January&#160;1, 2023 and prior to the date hereof (but disregarding </font>
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          <font style="letter-spacing:0.2pt;">risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking statements&#8221; disclaimer or any other statements that are similarly nonspecific or cautionary, predictive or forward-looking in nature), Berkshire and Commerce Acquisition Sub, Inc. hereby represent and warrant to Brookline as follows: </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Organization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Berkshire is a corporation duly organized, validly existing and in good standing under the laws of the State of Delaware and is a bank holding company duly registered under the BHC Act. Commerce Acquisition Sub, Inc. is a corporation duly organized, validly existing and in good standing under the laws of the State of Delaware. Each of Berkshire and Commerce Acquisition Sub, Inc. has the corporate power and authority to own or lease all of its properties and assets and to carry on its business as it is now being conducted. Each of Berkshire and Commerce Acquisition Sub, Inc. is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing, qualification or standing necessary, except where the failure to be so licensed or qualified or to be in good standing would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Berkshire. True and complete copies of the Berkshire Certificate, Berkshire Bylaws, certificate of incorporation of Commerce Acquisition Sub, Inc. (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Commerce Acquisition Sub, Inc. Certificate</font><font style="letter-spacing:0.2pt;">&#8221;) and bylaws of Commerce Acquisition Sub, Inc. (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Commerce Acquisition Sub, Inc. Bylaws</font><font style="letter-spacing:0.2pt;">&#8221;), as in effect as of the date of this Agreement, have previously been made available by Berkshire to Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each Subsidiary of Berkshire (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Subsidiary</font><font style="letter-spacing:0.2pt;">&#8221;) (i)&#160;is duly organized and validly existing under the laws of its jurisdiction of organization, (ii)&#160;is duly qualified to do business and, where such concept is recognized under applicable law, in good standing in all jurisdictions (whether federal, state, local or foreign) where its ownership or leasing of property or the conduct of its business requires it to be so qualified and in which the failure to be so qualified would reasonably be expected to have a Material Adverse Effect on Berkshire, and (iii)&#160;has all requisite corporate power and authority to own or lease its properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary of Berkshire to pay dividends or distributions except, in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities. The deposit accounts of each Subsidiary of Berkshire that is an insured depository institution are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings for the termination of such insurance are pending or threatened. There are no Subsidiaries of Berkshire other than Berkshire Bank that have or are required to have deposit insurance. </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.1(b)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule sets forth a true and complete list of all Subsidiaries of Berkshire as of the date hereof. True and complete copies of the organizational documents of each Berkshire Subsidiary as in effect as of the date of this Agreement have previously been made available by Berkshire to Brookline. There is no person whose results of operations, cash flows, changes in stockholders&#8217; equity or financial position are consolidated in the financial statements of Berkshire other than the Berkshire Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Capitalization</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;As of the date of this Agreement, the authorized capital stock of Berkshire consists of 100,000,000 shares of Berkshire Common Stock and 2,000,000 shares of preferred stock, $0.01 par value (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Preferred Stock</font><font style="letter-spacing:0.2pt;">&#8221;). As of December&#160;9, 2024, there are (i)&#160;42,975,741 shares of Berkshire Common Stock outstanding, including 645,929 shares of Berkshire Common Stock granted in respect of outstanding Berkshire Restricted Stock Awards, (ii)&#160;8,927,449 shares of Berkshire Common Stock held in treasury, including 712,285 shares of Berkshire Common Stock reserved for issuance pursuant to future grants under the Berkshire Stock Plans, (iii)&#160;44,400 shares of Berkshire Common Stock reserved for issuance upon the exercise of outstanding Berkshire Stock Options, (iv)&#160;225,291 shares of Berkshire Common Stock reserved for issuance upon the settlement of outstanding Berkshire Restricted Stock Unit Awards (assuming any applicable performance goals are satisfied at the maximum level) under the Berkshire Stock Plans and (v)&#160;no shares of Berkshire Preferred Stock outstanding. The authorized capital stock of Commerce Acquisition Sub, Inc. consists of 100 shares of Commerce Acquisition Sub, Inc. Common Stock, all of which are issued and outstanding. As of the date of this Agreement, except as set forth in the immediately preceding sentence and for changes since December&#160;9, 2024 resulting from the exercise, vesting or settlement </font>
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          <font style="letter-spacing:0.2pt;">of any Berkshire Equity Awards described in the immediately preceding sentence, there are no other shares of capital stock or other equity or voting securities of Berkshire or Commerce Acquisition Sub, Inc. issued, reserved for issuance or outstanding. All of the issued and outstanding shares of Berkshire Common Stock and Commerce Acquisition Sub, Inc. Common Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which stockholders of Berkshire or Commerce Acquisition Sub, Inc. may vote. Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.2(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, no trust preferred or subordinated debt securities of Berkshire are issued or outstanding. Other than Berkshire Equity Awards issued prior to the date of this Agreement as described in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.2(a)</font><font style="letter-spacing:0.2pt;">, as of the date of this Agreement there are no outstanding subscriptions, options, warrants, stock appreciation rights, phantom&#160;units, scrip, rights to subscribe to, preemptive rights, anti-dilutive rights, rights of first refusal or similar rights, puts, calls, commitments or agreements of any character relating to, or securities or rights convertible or exchangeable into or exercisable for, or valued by reference to, shares of capital stock or other equity or voting securities of or ownership interest in Berkshire or Commerce Acquisition Sub, Inc., or contracts, commitments, understandings or arrangements by which Berkshire or Commerce Acquisition Sub, Inc. may become bound to issue additional shares of its capital stock or other equity or voting securities of or ownership interests in Berkshire or Merger, or that otherwise obligate Berkshire or Commerce Acquisition Sub, Inc. to issue, transfer, sell, purchase, redeem or otherwise acquire, any of the foregoing. There are no voting trusts, stockholder agreements, proxies or other agreements in effect to which Berkshire or Commerce Acquisition Sub, Inc. is a party or is bound with respect to the voting or transfer of Berkshire Common Stock or Commerce Acquisition Sub, Inc. Common Stock or other equity interests of Berkshire or Commerce Acquisition Sub, Inc. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Berkshire owns, directly or indirectly, all the issued and outstanding shares of capital stock or other equity ownership interests of each of the Berkshire Subsidiaries, free and clear of any Liens, and all of such shares or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to bank Subsidiaries, as provided under any provision of applicable state law comparable to 12 U.S.C. &#167;&#160;55) and free of preemptive rights, with no personal liability attaching to the ownership thereof. No Berkshire Subsidiary has or is bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Authority; No Violation</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each of Berkshire and Commerce Acquisition Sub, Inc. has full corporate power and authority to execute and deliver this Agreement and, subject to the stockholder and other actions described below, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement, the Restated Certificate of Incorporation and the consummation of the transactions contemplated hereby (including the proposed New Or Revised Equity Incentive Plan) have been duly and validly approved by the Board of Directors of Berkshire and Commerce Acquisition Sub, Inc. and by Berkshire, as the sole stockholder of Commerce Acquisition Sub, Inc. The Board of Directors of Berkshire has determined that the transactions contemplated hereby, on the terms and conditions set forth in this Agreement, are advisable to and in the best interests of Berkshire and its stockholders, adopted, approved and declared advisable this Agreement and the transactions contemplated hereby (including the Merger and the Berkshire Share Issuance), has directed that the Berkshire Share Issuance, the Restated Certificate of Incorporation and the New Or Revised Equity Incentive Plan be submitted to Berkshire&#8217;s stockholders for approval at a meeting of such stockholders, has recommended that its stockholders approve the Berkshire Share Issuance and has adopted resolutions to the foregoing effect. The Board of Directors of Commerce Acquisition Sub, Inc. has determined that the transactions contemplated hereby, on the terms and conditions set forth in this Agreement, are advisable to and in the best interests of Commerce Acquisition Sub, Inc. and its sole stockholder, has adopted and approved this Agreement and the transactions contemplated hereby (including the Merger and the Holdco Merger), has directed that this Agreement be submitted to Commerce Acquisition Sub, Inc.&#8217;s sole stockholder for approval, and has adopted resolutions to the foregoing effect. Except for (i)&#160;the approval, at a meeting of the stockholders of Berkshire at which a quorum exists, of (A)&#160;the </font>
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          <font style="letter-spacing:0.2pt;">Berkshire Share Issuance by a majority of all the votes cast by the holders of outstanding Berkshire Common Stock, (B)&#160;the Restated Certificate of Incorporation by a majority of the holders of outstanding shares of Berkshire Common Stock, and (C)&#160;the approval of a new equity incentive plan or amendments to the Berkshire Hills Bancorp, Inc. 2022 Equity Incentive Plan, as recommended by a mutually-agreed upon independent compensation consultant and as approved by the Boards of Directors of Berkshire and Brookline (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">New Or Revised Equity Incentive Plan</font><font style="letter-spacing:0.2pt;">&#8221;), no other corporate proceedings on the part of Berkshire are necessary to approve this Agreement or to consummate the transactions contemplated hereby. The form of the Berkshire Hills Bancorp, Inc. Restated Certificate of Incorporation is attached hereto as </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exhibit&#160;B</font><font style="letter-spacing:0.2pt;"> (the approval in clause (i), the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Requisite Berkshire Vote</font><font style="letter-spacing:0.2pt;">&#8221;), (ii)&#160;the authorization of the execution of the Bank Merger Agreement by the Board of Directors of Berkshire Bank and the approval of the Bank Merger Agreement by Berkshire as Berkshire Bank&#8217;s sole stockholder, (iii)&#160;if applicable, an advisory (non-binding) vote on the compensation that may be paid or become payable to Berkshire&#8217;s named executive officers that is based on or otherwise related to the transactions contemplated by this Agreement and (iv)&#160;the adoption of resolutions to give effect to the provisions of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.12</font><font style="letter-spacing:0.2pt;"> in connection with the Closing, no other corporate proceedings on the part of Berkshire or Commerce Acquisition Sub, Inc. are necessary to approve this Agreement or to consummate the transactions contemplated hereby. This Agreement has been duly and validly executed and delivered by Berkshire and Commerce Acquisition Sub, Inc. and (assuming due authorization, execution and delivery by Brookline) constitutes a valid and binding obligation of Berkshire and Commerce Acquisition Sub, Inc., enforceable against Berkshire and Commerce Acquisition Sub, Inc. in accordance with its terms (except in all cases as such enforceability may be limited by the Enforceability Exceptions). The shares of Berkshire Common Stock to be issued in the Merger have been validly authorized (subject to receipt of the Requisite Berkshire Vote), when issued, will be validly issued, fully paid and nonassessable, and no current or past stockholder of Berkshire will have any preemptive right or similar rights in respect thereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Neither the execution and delivery of this Agreement by Berkshire or Commerce Acquisition Sub, Inc., nor the consummation by Berkshire or Commerce Acquisition Sub, Inc. of the transactions contemplated hereby (including the Merger, the Holdco Merger, the Bank Merger and the Berkshire Share Issuance), nor compliance by Berkshire or Commerce Acquisition Sub, Inc. with any of the terms or provisions hereof, will (i)&#160;violate any provision of the Berkshire Certificate, Berkshire Bylaws, Commerce Acquisition Sub, Inc. Certificate or Commerce Acquisition Sub, Inc. Bylaws, or (ii)&#160;assuming that the consents and approvals referred to in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.4</font><font style="letter-spacing:0.2pt;"> are duly obtained, (x)&#160;violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Berkshire, Commerce Acquisition Sub, Inc., any of the Berkshire Subsidiaries or any of their respective properties or assets or (y)&#160;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Berkshire, Commerce Acquisition Sub, Inc. or any of the Berkshire Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Berkshire, Commerce Acquisition Sub, Inc. or any of the Berkshire Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clauses (x)&#160;and (y)&#160;above) for such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.4.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Consents and Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except for (a)&#160;the filing of any required applications, filings and notices, as applicable, with the NYSE and Nasdaq, (b)&#160;the filing of any required applications, filings and notices, as applicable, with the Federal Reserve Board under the BHC Act and approval of such applications, filings and notices, (c)&#160;the filing of any required applications, filings and notices, as applicable, with the MDOB, the RIDOB, and the NYDFS and approval of such applications, filings and notices, (d)&#160;the filing of any required applications, filings or notices with any state banking or insurance authorities listed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.4</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.4</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule and approval of such applications, filings and notices, (e)&#160;the filing with the SEC of the Joint Proxy Statement and of the S-4 in which the Joint Proxy Statement will be included as a prospectus, and the declaration of effectiveness of the S-4, (f)&#160;the filing of the Certificate of Merger with the Delaware Secretary pursuant to the DGCL, (g)&#160;the filing of the Holdco Merger Certificate with the Delaware Secretary pursuant to the DGCL, (h)&#160;the filing of the Bank Merger Certificates with the applicable Governmental </font>
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          <font style="letter-spacing:0.2pt;">Entities as required by applicable law, (i)&#160;the filing of the Restated Certificate of Incorporation with the Delaware Secretary of State in accordance with the DGCL, (j)&#160;such filings and approvals as are required to be made or obtained under the securities or &#8220;Blue Sky&#8221; laws of various states in connection with the Berkshire Share Issuance, and (k)&#160;the approval of the listing of the Berkshire Common Stock to be issued in the Berkshire Share Issuance on the NYSE, no consents or approvals of or filings or registrations with any Governmental Entity are necessary in connection with (A)&#160;the execution and delivery by Berkshire and Commerce Acquisition Sub, Inc. of this Agreement or (B)&#160;the consummation by Berkshire, Commerce Acquisition Sub, Inc. and Berkshire Bank of the Merger and the other transactions contemplated hereby (including the Holdco Merger, the Bank Merger and the Berkshire Share Issuance). As of the date hereof, each of Berkshire and Commerce Acquisition Sub, Inc. is not aware of any reason why the necessary regulatory approvals and consents will not be received in order to permit consummation of the Merger, the Holdco Merger, the Bank Merger or the Berkshire Share Issuance on a timely basis. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.5.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reports</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Berkshire and each of its Subsidiaries have timely filed (or furnished) all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were required to file (or furnish, as applicable) since January&#160;1, 2023 with any Regulatory Agencies, including, without limitation, any report, registration or statement required to be filed (or furnished, as applicable) pursuant to the laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file (or furnish, as applicable) such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Berkshire. Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.14</font><font style="letter-spacing:0.2pt;">, except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.5(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, (i)&#160;other than normal examinations conducted by a Regulatory Agency in the ordinary course of business of Berkshire and its Subsidiaries, no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Berkshire, investigation into the business or operations of Berkshire or any of its Subsidiaries since January&#160;1, 2023, (ii)&#160;there is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of Berkshire or any of its Subsidiaries, and (iii)&#160;there have been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of Berkshire or any of its Subsidiaries since January&#160;1, 2023; in the case of each of clauses (i)&#160;through (iii), which would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;An accurate copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished by Berkshire to the SEC since December&#160;31, 2022 pursuant to the Securities Act or the Exchange Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Reports</font><font style="letter-spacing:0.2pt;">&#8221;) is publicly available. No such Berkshire Report as of the date thereof (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date. As of their respective dates, all Berkshire Reports filed under the Securities Act and the Exchange Act complied in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of this Agreement, no executive officer of Berkshire has failed in any respect to make the certifications required of him or her under Section&#160;302 or 906 of the Sarbanes-Oxley Act. As of the date of this Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to any of the Berkshire Reports. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.6.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Financial Statements</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;The financial statements of Berkshire and its Subsidiaries included (or incorporated by reference) in the Berkshire Reports (including the related notes, where applicable) (i)&#160;have been prepared from, and are in accordance with, the books and records of Berkshire and its Subsidiaries, (ii)&#160;fairly present in all material respects the consolidated results of operations, cash flows, changes in stockholders&#8217; equity and consolidated financial position of Berkshire and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments </font>
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          <font style="letter-spacing:0.2pt;">normal in nature and amount), (iii)&#160;complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv)&#160;have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of Berkshire and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. Since January&#160;1, 2023, no independent public accounting firm of Berkshire has resigned (or informed Berkshire that it intends to resign) or been dismissed as independent public accountants of Berkshire as a result of, or in connection with, any disagreements with Berkshire on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure. The financial statements of Berkshire Bank included in the consolidated reports of condition and income (call reports) of Berkshire Bank complied, as of their respective dates of filing with the MDOB and the FDIC, in all material respects with applicable accounting requirements and with the published instructions of the Federal Financial Institutions Examination Council with respect thereto. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Berkshire, neither Berkshire nor any of its Subsidiaries has any liability (whether absolute, accrued, contingent or otherwise and whether due or to become due), except for those liabilities that are reflected or reserved against on the consolidated balance sheet of Berkshire included in its Quarterly Report on Form 10-Q for the quarter ended September&#160;30, 2024 (including any notes thereto) and for liabilities incurred in the ordinary course of business since September&#160;30, 2024, or in connection with this Agreement and the transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;The records, systems, controls, data and information of Berkshire and its Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Berkshire or its Subsidiaries or accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire. Berkshire (x)&#160;has implemented and maintains disclosure controls and procedures (as defined in Rule&#160;13a-15(e) of the Exchange Act) to ensure that material information relating to Berkshire, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of Berkshire by others within those entities as appropriate to allow timely decisions regarding required disclosures and to make the certifications required by the Exchange Act and Sections&#160;302 and 906 of the Sarbanes-Oxley Act, and (y)&#160;has disclosed, based on its most recent evaluation prior to the date hereof, to Berkshire&#8217;s outside auditors and the audit committee of Berkshire&#8217;s Board of Directors (i)&#160;any significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule&#160;13a-15(f) of the Exchange Act) which would reasonably be expected to adversely affect Berkshire&#8217;s ability to record, process, summarize and report financial information, and (ii)&#160;to the knowledge of Berkshire, any fraud, whether or not material, that involves management or other employees who have a significant role in Berkshire&#8217;s internal controls over financial reporting. Any such disclosures were made in writing by management to Berkshire&#8217;s auditors and audit committee and true, correct and complete copies of such disclosures have been made available to Brookline. To the knowledge of Berkshire, there is no reason to believe that Berkshire&#8217;s outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section&#160;404 of the Sarbanes-Oxley Act, without qualification, when next due and for so long as this Agreement continues in existence. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Since January&#160;1, 2023, (i)&#160;neither Berkshire nor any of its Subsidiaries, nor, to the knowledge of Berkshire, any director, officer, auditor, accountant or representative of Berkshire or any of its Subsidiaries, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Berkshire or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that Berkshire or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii)&#160;no attorney representing Berkshire or any of its Subsidiaries, whether or not employed by Berkshire or any of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation by Berkshire or any of its officers, directors, </font>
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          <font style="letter-spacing:0.2pt;">employees or agents to the Board of Directors of Berkshire or any committee thereof or, to the knowledge of Berkshire, to any director or officer of Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.7.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Broker&#8217;s Fees</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;With the exception of the engagement of Raymond James &amp; Associates, Inc. (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Raymond James</font><font style="letter-spacing:0.2pt;">&#8221;), neither Berkshire nor any Berkshire Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with the Merger or the other transactions contemplated by this Agreement. Berkshire has disclosed to Brookline as of the date hereof the aggregate fees provided for in connection with the engagement by Berkshire of Raymond James related to the Merger and the other transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.8.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Absence of Certain Changes or Events</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Since December&#160;31, 2023, no event or events have occurred that have had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.8(b)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule and in connection with the transactions contemplated by this Agreement, since December&#160;31, 2023, Berkshire and its Subsidiaries have carried on their respective businesses in all material respects in the ordinary course. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.9.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Legal Proceedings</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Berkshire, neither Berkshire nor any of its Subsidiaries is or has been a party to any, and there are and have been no pending or, to Berkshire&#8217;s knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions, charges, complaints, or governmental or regulatory audits or investigations of any nature against or by Berkshire or any of its Subsidiaries or any of their current or former directors or executive officers, in each case, or challenging the validity or propriety of the transactions contemplated by this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;There is no injunction, order, judgment, decree, ruling, writ or regulatory restriction imposed upon Berkshire, any of its Subsidiaries or the assets of Berkshire or any of its Subsidiaries (or that, upon consummation of the Merger and the Holdco Merger, would apply to the Surviving Corporation or any of its affiliates) that would reasonably be expected to be material to Berkshire and its Subsidiaries, taken as a whole. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.10.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Taxes and Tax Returns</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each of Berkshire and its Subsidiaries has duly and timely filed (including all applicable extensions) all material Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct, and complete in all material respects. Neither Berkshire nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any material Tax Return (other than extensions to file Tax Returns obtained in the ordinary course). All material Taxes of Berkshire and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid except such Taxes, if any, that are being contested in good faith by appropriate proceedings for which adequate accruals have been established in Berkshire&#8217;s or its applicable Subsidiary&#8217;s audited consolidated financial statements in accordance with GAAP. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each of Berkshire and its Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, stockholder, independent contractor or other third party. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries has requested an extension of time within which to file any Tax Return that has not since been filed or granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;The federal income Tax Returns of Berkshire and its Subsidiaries for all&#160;years to and including 2020 have been examined by the IRS or are Tax Returns with respect to which the applicable period for assessment under applicable law, after giving effect to extensions or waivers, has expired. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries has received written notice of assessment or proposed assessment in connection with any material amount of Taxes that has not been fully settled or satisfied, and there are no threatened in writing or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of Berkshire and its Subsidiaries or the assets of Berkshire and its Subsidiaries. To the knowledge of Berkshire, Berkshire Brookline nor any of its Subsidiaries is aware of any claim made by any governmental authority in a jurisdiction where Berkshire or any of its Subsidiaries does not file Tax Returns that any such entity is, or may be, subject to taxation by that jurisdiction. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;Berkshire has made available to Brookline true and complete copies of any private letter ruling requests, closing agreements, audit reports, technical advice memorandum or gain recognition agreements with respect to Taxes requested or executed in the last six (6)&#160;years. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between or among Berkshire and its Subsidiaries). </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries (i)&#160;has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which was Berkshire) or (ii)&#160;has any liability for the Taxes of any person (other than Berkshire or any of its Subsidiaries) under Treasury Regulation&#160;Section&#160;1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor, by contract (other than pursuant to contracts entered into in the ordinary course the principal purposes of which is not Taxes) or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries has been, within the past two (2)&#160;years or otherwise as part of a &#8220;plan (or series of related transactions)&#8221; within the meaning of Section&#160;355(e) of the Code of which the Merger is also a part, a &#8220;distributing corporation&#8221; or a &#8220;controlled corporation&#8221; &#8203;(within the meaning of Section&#160;355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section&#160;355 of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries has participated in a &#8220;listed transaction&#8221; within the meaning of Treasury Regulation&#160;Section&#160;1.6011-4(b)(2). </font>
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          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;At no time during the past five (5)&#160;years has Berkshire been a United States real property holding corporation within the meaning of Section&#160;897(c)(2) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;Each of Berkshire and its Subsidiaries currently computes its taxable income using the accrual method of accounting and has used the accrual method of accounting to compute its taxable income for all taxable&#160;years ended after December&#160;31, 2020. </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;There have not been, within two&#160;years of the date of this Agreement, any (i)&#160;redemptions of their shares by Berkshire or any of its Subsidiaries, (ii)&#160;transfers or dispositions of material property by Berkshire or any of its Subsidiaries for which Berkshire or any of its Subsidiaries did not receive adequate consideration, or (iii)&#160;distributions by Berkshire or any of its Subsidiaries with respect to their stock other than distributions of cash in the ordinary course of business. </font>
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          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries will be required to include any item of income in, or exclude any item of deduction from, taxable income for any taxable period (or portion thereof) beginning after the Closing Date, as a result of (i)&#160;any change in accounting method made before the Closing under Section&#160;481(c) of the Code (or any similar provision of state, local or foreign law), (ii)&#160;&#8220;closing agreement&#8221; described in Section&#160;7121 of the Code (or any similar provision of state, local or foreign law) entered into prior to the Closing, (iii)&#160;installment sale or open transaction disposition or intercompany transaction made on or prior to the Closing, (iv)&#160;prepaid amount received on or prior to the Closing, (v)&#160;any intercompany transactions or any excess loss account described in Treasury Regulations under Section&#160;1502 of the Code (or any corresponding or similar provision of state or local law) existing on or prior to the Closing, or (vi)&#160;any similar election, action, or agreement that would have the effect of deferring any liability for Taxes of Berkshire or any of its Subsidiaries from any period ending on or before the Closing Date to any period ending after the Closing Date in each case with respect to clauses (i)&#160;through (vi), as a result of any action or transaction occurring prior to the Closing. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.11.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Employees and Employee Benefit Plans</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.11(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule lists all material Berkshire Benefit Plans. For purposes of this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Benefit Plans</font><font style="letter-spacing:0.2pt;">&#8221; means all employee benefit plans (as defined in Section&#160;3(3) of ERISA), whether or not subject to ERISA, and all stock option, stock purchase, restricted stock, incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance or other benefit plans, programs or arrangements, retention, bonus, employment, change in control, termination or severance plans, programs, agreements or arrangements that are maintained, contributed to or sponsored or maintained by, or required to be contributed to, Berkshire or any of its Subsidiaries for the benefit of any current or former employee, officer or director of Berkshire or any of its Subsidiaries, excluding, in each case, any Multiemployer Plan. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Berkshire has heretofore made available to Brookline true and complete copies of (i)&#160;each material Berkshire Benefit Plan, including any amendments thereto and all related trust documents, insurance contracts or other funding vehicles (or, for any unwritten Berkshire Benefit Plan, a written description of the material terms of such plan), and (ii)&#160;to the extent applicable, (A)&#160;the most recent summary plan description, if any, required under ERISA with respect to such Berkshire Benefit Plan, (B)&#160;the most recent annual report (Form 5500), if any, filed with the IRS, (C)&#160;the most recently received IRS determination letter, if any, relating to such Berkshire Benefit Plan, (D)&#160;the most recently prepared actuarial report for each Berkshire Benefit Plan (if applicable), (E)&#160;non-discrimination testing results for the three most recent plan&#160;years, and (F)&#160;all material non-routine correspondence to or from any Governmental Entity received in the last three (3)&#160;years with respect to such Berkshire Benefit Plan. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Each Berkshire Benefit Plan has been established, operated and administered in all material respects in accordance with its terms and the requirements of all applicable laws, including ERISA and the Code. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;For each Berkshire Benefit Plan that is intended to be qualified under Section&#160;401(a) of the Code (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Qualified Plans</font><font style="letter-spacing:0.2pt;">&#8221;), the IRS has issued a favorable determination letter or advisory opinion with respect to each Berkshire Qualified Plan and the related trust, and, to the knowledge of Berkshire, there are no existing circumstances and no events have occurred that would reasonably be expected to adversely affect the qualified status of any Berkshire Qualified Plan or the related trust or require corrective action to the IRS Employee Plans Compliance Resolution System to maintain such qualified status. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;With respect to each Berkshire Benefit Plan that is subject to Title IV or Section&#160;302 of ERISA or Section&#160;412, 430 or 4971 of the Code: (i)&#160;no such Berkshire Benefit Plan is in &#8220;at-risk&#8221; status for purposes of Section&#160;430 of the Code, (ii)&#160;no reportable event within the meaning of Section&#160;4043(c) of ERISA for which the 30-day notice requirement has not been waived has occurred, (iii)&#160;all premiums to the PBGC have been timely paid in full, (iv)&#160;no material liability (other than for premiums to the PBGC) under Title IV of ERISA has been or is reasonably expected to be incurred by Berkshire or any of its Subsidiaries, and (v)&#160;the PBGC has not instituted proceedings to terminate any such Berkshire Benefit Plan. No Controlled Group Liability has been incurred by Berkshire or its ERISA Affiliates that has not been satisfied in full, and, to the knowledge of Berkshire, no condition exists that presents a material risk to Berkshire or its ERISA Affiliates of incurring any such liability, except as, either individually or in the aggregate, would not reasonably be expected to result in any material liability to Berkshire and its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.11(f)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedules, none of Berkshire, any of its Subsidiaries or any of their respective ERISA Affiliates has, at any time during the last six (6)&#160;years, contributed to or been obligated to contribute to (i)&#160;any employee benefit plan that is or was subject to Title IV of ERISA, or Section&#160;412 of the Code or Section&#160;302 of ERISA, (ii)&#160;any Multiemployer Plan, (iii)&#160;any Multiple Employer Plan, (iv)&#160;any funded welfare benefit plan within the meaning of Section&#160;419 of the Code, or (v)&#160;any &#8220;multiple employer welfare arrangement&#8221; &#8203;(as such term is defined in Section&#160;3(40) of ERISA), and none of Berkshire, any of its Subsidiaries or any of their respective ERISA Affiliates has incurred any material liability to a Multiemployer Plan or a Multiple Employer Plan as a result of a complete or partial withdrawal (as those terms are defined in Part&#160;I of Subtitle E of Title IV of ERISA) from a Multiemployer Plan or a Multiple Employer Plan that has not been satisfied in full. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries sponsors, has sponsored or has any obligation with respect to any employee benefit plan that provides for any post-employment or post-retirement health or </font>
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          <font style="letter-spacing:0.2pt;">medical or life insurance benefits for retired or former employees or their dependents, except as required by Section&#160;4980B of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;All contributions required to be made to any Berkshire Benefit Plan by applicable law or by any plan document, and all premiums due or payable with respect to insurance policies funding any Berkshire Benefit Plan, for any period through the date hereof, have been timely made or paid in full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the books and records of Berkshire, except as, either individually or in the aggregate, would not reasonably be expected to result in any material liability to Berkshire and its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;There are no pending or threatened claims (other than claims for benefits in the ordinary course), lawsuits or arbitrations that have been asserted or instituted, and, to Berkshire&#8217;s knowledge, no set of circumstances exists that may reasonably be expected to give rise to a claim or lawsuit, against the Berkshire Benefit Plans, any fiduciaries thereof with respect to their duties to the Berkshire Benefit Plans or the assets of any of the trusts under any of the Berkshire Benefit Plans, except as, either individually or in the aggregate, would not reasonably be expected to result in any material liability to Berkshire and its Subsidiaries. No Berkshire Benefit Plan is, or within the past six&#160;years has been, the subject of an application or filing under a government sponsored amnesty, voluntary compliance, or similar program, or been the subject of any self-correction under any such program. </font>
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          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.11(j)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby will (either alone or in conjunction with any other event) (i)&#160;entitle any employee, officer, director or individual independent contractor of Berkshire or any of its Subsidiaries to any payment or benefit, (ii)&#160;result in, accelerate, cause the vesting, exercisability, funding, payment or delivery of, or increase in the amount or value of, any payment, right or other benefit to any employee, officer, director or independent contractor of Berkshire or any of its Subsidiaries, (iii)&#160;accelerate the timing of or cause Berkshire or any of its Subsidiaries to transfer or set aside any assets to fund any material benefits under any Berkshire Benefit Plan, (iv)&#160;result in any limitation on the right of Berkshire or any of its Subsidiaries to amend, merge, terminate or receive a reversion of assets from any Berkshire Benefit Plan or related trust, or (v)&#160;result in any amount paid or payable (whether in cash, in property, or in the form of benefits) by Berkshire or any of its Subsidiaries in connection with the transactions contemplated hereby (either solely as a result thereof or as a result of such transactions in conjunction with any other event) that will be an &#8220;excess parachute payment&#8221; within the meaning of Section&#160;280G of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries is a party to any plan, program, agreement or arrangement that provides for the gross-up or reimbursement of Taxes imposed under Sections&#160;409A or 4999 of the Code (or any corresponding provisions of state or local law relating to Tax). </font>
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          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;No Berkshire Benefit Plan is maintained outside the jurisdiction of the United States or covers any employees or other service providers of Berkshire or any of its Subsidiaries who reside or work outside of the United States. </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;There are no and, for the past three (3)&#160;years, there have not been any pending or, to the knowledge of Berkshire, threatened material labor grievances, labor arbitrations or unfair labor practice claims or charges against Berkshire or any of its Subsidiaries, or any strikes, lockouts, concerted work stoppages, handbillings, picketings or other material labor disputes against or by Berkshire or any of its Subsidiaries. Neither Berkshire nor any of its Subsidiaries is party to or bound by any collective bargaining or other agreement with any labor union or other labor organization, or work rules or practices agreed to with any labor organization or employee association applicable to employees of Berkshire or any of its Subsidiaries and, to the knowledge of Berkshire, there have been no organizing efforts by any union or other group seeking to represent any employees of Berkshire and its Subsidiaries in the past three (3)&#160;years. No employee of Berkshire or any of its Subsidiaries are represented by any labor union, works council, or other labor organization with respect to their employment with Berkshire or any of its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;Berkshire and its Subsidiaries are in compliance in all material respects with, and for the past three (3)&#160;years, have complied in all material respects with, all laws regarding labor, employment and employment practices including all such laws respecting terms and conditions of employment, wages and </font>
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          <font style="letter-spacing:0.2pt;">hours, paid sick leave, classification of employees and independent contractors, equitable pay practices, privacy rights, labor disputes, employment discrimination, harassment, workers&#8217; compensation or long-term disability policies, retaliation, immigration (including the completion of Forms I-9 for all employees and the proper confirmation of employee visas), family and medical leave and other disability rights and benefits, whistleblowing, employee trainings and notices, artificial intelligence and the use of automated decision-making tools in employment decisions, employee leave issues, occupational safety and health and plant closings and layoffs (including notice, information, consultation and other requirements under the WARN Act). </font>
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          <font style="letter-spacing:0.2pt;">(o)&nbsp;&nbsp;&nbsp;(i) No written or, to the knowledge of Berkshire, oral allegations of sexual or other harassment or sexual or other misconduct premised on inclusion in a protected class have been made in the past three (3)&#160;years against any individual in his or her capacity as an officer or director of Berkshire subject to the reporting requirements of Section&#160;16(a) of the Exchange Act (&#8220;Berkshire Insiders&#8221;) or any managerial- or supervisory-level employee of Berkshire or any of its Subsidiaries, (ii)&#160;in the past three (3)&#160;years, neither Berkshire nor any of its Subsidiaries has entered into any settlement agreement related to allegations of sexual or other harassment or sexual or other misconduct premised on inclusion in a protected class by any Berkshire Insiders or any managerial- or supervisory-level employees of Berkshire or any of its Subsidiaries, and (iii)&#160;in the past three (3)&#160;years there have been no proceedings pending or, to the knowledge of Berkshire, threatened related to any allegations of sexual or other harassment or sexual or other misconduct premised on inclusion in a protected class by any individual in his or her capacity as a Berkshire Insider or any managerial- or supervisory-level employee of Berkshire or any of its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">(p)&nbsp;&nbsp;&nbsp;The per share exercise price of each Berkshire Stock Option is no less than the fair market value of a share of Berkshire Common Stock on the date of grant of such Berkshire Stock Option, determined in a manner consistent with Section&#160;409A of the Code. All Berkshire Benefit Plans that constitute in any part &#8220;nonqualified deferred compensation plans&#8221; &#8203;(within the meaning of Section&#160;409A of the Code) have been operated and maintained in all material respects in operational and documentary compliance with Section&#160;409A of the Code and the regulations issued thereunder. No payment to be made under any Berkshire Benefit Plan is, or to the knowledge of Berkshire, will be, subject to the penalties of Section&#160;409A(a)(1) of the Code. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.12.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Compliance with Applicable Law</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and each of its Subsidiaries hold, and have at all times since December&#160;31, 2022, held, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Berkshire, and, to the knowledge of Berkshire, no suspension or cancellation of any such necessary license, franchise, permit or authorization is threatened. Berkshire and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any, applicable law, statute, order, rule, regulation, written policy and/or guideline of any Governmental Entity relating to Berkshire or any of its Subsidiaries, except where any failure to so comply or the existence of any such default or violation would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Berkshire. Each of Berkshire&#8217;s Subsidiaries that is an insured depository institution has a Community Reinvestment Act rating of &#8220;satisfactory&#8221; or better, and no such Subsidiary anticipates that a current &#8220;satisfactory&#8221; or better rating will be reduced. Except as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect on Berkshire, to the knowledge of Berkshire, no director, officer, employee, agent or other person acting on behalf of Berkshire or any of its Subsidiaries has, directly or indirectly, (a)&#160;used any funds of Berkshire or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (b)&#160;made any unlawful payment to foreign or domestic governmental officials or employees or to foreign or domestic political parties or campaigns from funds of Berkshire or any of its Subsidiaries, (c)&#160;violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d)&#160;established or maintained any unlawful fund of monies or other assets of Berkshire or any of its Subsidiaries, (e)&#160;made any fraudulent entry on the books or records of Berkshire or any of its Subsidiaries, or (f)&#160;made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful </font>
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          <font style="letter-spacing:0.2pt;">kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment in securing business to obtain special concessions for Berkshire or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Berkshire or any of its Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department. Berkshire maintains a written information privacy and security program that maintains commercially reasonable measures designed to protect the privacy, confidentiality and security of all Personal Data against any Security Breach. To the knowledge of Berkshire, Berkshire has not experienced any Security Breach that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Berkshire. To the knowledge of Berkshire, there are no data security or other technological vulnerabilities with respect to Berkshire information technology systems or networks that, individually or in the aggregate, would reasonably be expected to have a Material Adverse Effect on Berkshire. Except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Berkshire: (i)&#160;Berkshire and each of its Subsidiaries have properly administered all accounts for which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable state, federal and foreign law; and (ii)&#160;none of Berkshire, any of its Subsidiaries, or any of its or its Subsidiaries&#8217; directors, officers or employees, has committed any breach of trust or fiduciary duty with respect to any such fiduciary account, and the accountings for each such fiduciary account are true, correct and complete and accurately reflect the assets and results of such fiduciary account. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.13.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certain Contracts</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.13(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule or as filed with or incorporated into any Berkshire Report filed prior to the date hereof, as of the date hereof, neither Berkshire nor any of its Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral, but excluding any Berkshire Benefit Plan): (i)&#160;which is a &#8220;material contract&#8221; &#8203;(as such term is defined in Item&#160;601(b)(10) of Regulation&#160;S-K of the SEC); (ii)&#160;which contains a provision that materially restricts the conduct of any line of business by Berkshire or any of its Subsidiaries or upon consummation of the transactions contemplated by this Agreement will materially restrict the ability of the Surviving Corporation or any of its affiliates to engage in any line of business or in any geographic region (including any exclusivity or exclusive dealing provisions with such an effect); (iii)&#160;which is a collective bargaining agreement or other agreement with any labor union, works council, or other labor organization; (iv)&#160;any of the benefits of or obligations under which will arise or be increased or accelerated by the occurrence of the execution and delivery of this Agreement, receipt of the Requisite Berkshire Vote or the announcement or consummation of any of the transactions contemplated by this Agreement, or under which a right of cancellation or termination will arise as a result thereof, or the value of any of the benefits of which will be calculated on the basis of any of the transactions contemplated by this Agreement, where such increase or acceleration of benefits or obligations, right of cancellation or termination, or change in calculation of value of benefits would, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Berkshire; (v)&#160;(A)&#160;that relates to the incurrence of indebtedness by Berkshire or any of its Subsidiaries, including any sale and leaseback transactions, capitalized leases and other similar financing arrangements (other than deposit liabilities, trade payables, federal funds purchased, advances and loans from the Federal Home Loan Bank and securities sold under agreements to repurchase, in each case incurred in the ordinary course of business), (B)&#160;that provides for the guarantee, support, assumption or endorsement by Berkshire or any of its Subsidiaries of, or any similar commitment by Berkshire or any of its Subsidiaries with respect to, the obligations, liabilities or indebtedness of any other person, in the case of each of clauses (A)&#160;and (B), in the principal amount of $250,000 or more, or (C)&#160;that provides for any material indemnification or similar obligations on the part of Berkshire or any of its Subsidiaries; (vi)&#160;that grants any right of first refusal, right of first offer or similar right with respect to any material assets, rights or properties of Berkshire or its Subsidiaries, taken as a whole; (vii)&#160;which creates future payment obligations in excess of $500,000 per annum other than any such contracts which are terminable by Berkshire or any of its Subsidiaries on sixty (60) days or less notice without any required payment or other conditions, other than extensions of credit, other customary banking products offered by Berkshire or its Subsidiaries, or derivatives issued or entered into in the ordinary course of business; (viii)&#160;that is a settlement, consent or similar agreement and contains any material continuing obligations of Berkshire or any of its Subsidiaries; (ix)&#160;that relates to the acquisition or disposition of any person, business </font>
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          <font style="letter-spacing:0.2pt;">or asset and under which Berkshire or its Subsidiaries have or may have a material obligation or liability. Each contract, arrangement, commitment or understanding of the type described in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.13(a)</font><font style="letter-spacing:0.2pt;"> (excluding any Berkshire Benefit Plan), whether or not set forth in the Berkshire Disclosure Schedule, is referred to herein as a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Contract</font><font style="letter-spacing:0.2pt;">&#8221;. Berkshire has made available to Brookline true, correct and complete copies of each Berkshire Contract in effect as of the date hereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;In each case, except as, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Berkshire, (i)&#160;each Berkshire Contract is valid and binding on Berkshire or one of its Subsidiaries, as applicable, and in full force and effect, (ii)&#160;Berkshire and each of its Subsidiaries has complied with and performed all obligations required to be performed by it to date under each Berkshire Contract, (iii)&#160;to the knowledge of Berkshire, each third-party counterparty to each Berkshire Contract has complied with and performed all obligations required to be performed by it to date under such Berkshire Contract, (iv)&#160;Berkshire does not have knowledge of, and has not received notice of, any violation of any Berkshire Contract by any of the other parties thereto, and (v)&#160;no event or condition exists which constitutes or, after notice or lapse of time or both, will constitute, a breach or default on the part of Berkshire or any of its Subsidiaries, or to the knowledge of Berkshire, any other party thereto, of or under any such Berkshire Contract. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.14.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreements with Regulatory Agencies</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Neither Berkshire nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January&#160;1, 2023, a recipient of any supervisory letter from, or since January&#160;1, 2023, has adopted any policies, procedures or board resolutions at the request or suggestion of, any Regulatory Agency or other Governmental Entity that currently restricts in any material respect or would reasonably be expected to restrict in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Berkshire Disclosure Schedule, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Regulatory Agreement</font><font style="letter-spacing:0.2pt;">&#8221;), nor has Berkshire or any of its Subsidiaries been advised in writing, or to Berkshire&#8217;s knowledge, orally, since January&#160;1, 2023, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Berkshire Regulatory Agreement, nor does Berkshire believe that any such Berkshire Regulatory Agreement is likely to be initiated, ordered or requested. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.15.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Risk Management Instruments</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Berkshire, (a)&#160;all interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements, whether entered into for the account of Berkshire, any of its Subsidiaries or for the account of a customer of Berkshire or one of its Subsidiaries, were entered into in the ordinary course of business and in accordance with applicable rules, regulations and policies of any Regulatory Agency and with counterparties believed to be financially responsible at the time and are legal, valid and binding obligations of Berkshire or one of its Subsidiaries enforceable in accordance with their terms (except as may be limited by the Enforceability Exceptions), and are in full force and effect; and (b)&#160;Berkshire and each of its Subsidiaries have duly performed in all material respects all of their material obligations thereunder to the extent that such obligations to perform have accrued, and, to Berkshire&#8217;s knowledge, there are no material breaches, violations or defaults or allegations or assertions of such by any party thereunder. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.16.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Environmental Matters</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Berkshire, Berkshire and its Subsidiaries are in compliance, and have complied since January&#160;1, 2023, with all Environmental Laws. There are no legal, administrative, arbitral or other proceedings, claims or actions, or, to the knowledge of Berkshire, any governmental investigations of any nature seeking to impose, or that would reasonably be expected to result in the imposition, on Berkshire or any of its Subsidiaries of any liability or obligation arising under any Environmental Law, pending or threatened against Berkshire, which liability or obligation would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.17.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Investment Securities and Commodities</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each of Berkshire and its Subsidiaries has good title in all material respects to all securities and commodities owned by it (except those sold under repurchase agreements), free and clear of any Liens, except as set forth in the financial statements included in the Berkshire Reports or to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of Berkshire or its Subsidiaries. Such securities and commodities are valued on the books of Berkshire in accordance with GAAP in all material respects. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Berkshire and its Subsidiaries and their respective businesses employ investment, securities, commodities, risk management and other policies, practices and procedures that Berkshire believes are prudent and reasonable in the context of such businesses, and Berkshire and its Subsidiaries have, since January&#160;1, 2023, been in compliance with such policies, practices and procedures in all material respects. Prior to the date of this Agreement, Berkshire has made available to Brookline the material terms of such policies, practices and procedures. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.18.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Real Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire, (a)&#160;Berkshire or a Berkshire Subsidiary has good and marketable title to all the real property reflected in the latest audited balance sheet included in the Berkshire Reports as being owned by Berkshire or a Berkshire Subsidiary or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course of business) (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Owned Properties</font><font style="letter-spacing:0.2pt;">&#8221;), free and clear of all Liens, except for Permitted Encumbrances, and (b)&#160;is the lessee of all leasehold estates reflected in the latest audited financial statements included in such Berkshire Reports or acquired after the date thereof (except for leases that have expired by their terms since the date thereof) (collectively with Berkshire Owned Properties, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Real Property</font><font style="letter-spacing:0.2pt;">&#8221;), free and clear of all Liens of any nature whatsoever, except for Permitted Encumbrances, and is in possession of the properties purported to be leased thereunder, and each such lease is valid without default thereunder by the lessee or, to the knowledge of Berkshire, the lessor. There are no pending or, to the knowledge of Berkshire, threatened condemnation proceedings against Berkshire Real Property. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.19.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Intellectual Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and each of its Subsidiaries owns, or is licensed to use (in each case, free and clear of any material Liens), all Intellectual Property necessary for the conduct of its business as currently conducted. Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire, (a)&#160;(i)&#160;to the knowledge of Berkshire, the use of any Intellectual Property by Berkshire and its Subsidiaries does not infringe, misappropriate or otherwise violate the rights of any person and is in accordance with any applicable license pursuant to which Berkshire or any Berkshire Subsidiary acquired the right to use any Intellectual Property, and (ii)&#160;no person has asserted in writing to Berkshire that Berkshire or any of its Subsidiaries has infringed, misappropriated or otherwise violated the Intellectual Property rights of such person, (b)&#160;no person is challenging or, to the knowledge of Berkshire, infringing on or otherwise violating, any right of Berkshire or any of its Subsidiaries with respect to any Intellectual Property owned by Berkshire or its Subsidiaries, and (c)&#160;neither Berkshire nor any Berkshire Subsidiary has received any written notice of any pending claim with respect to any Intellectual Property owned by Berkshire or any Berkshire Subsidiary, and Berkshire and its Subsidiaries have taken commercially reasonable actions to avoid the abandonment, cancellation or unenforceability of all Intellectual Property owned or licensed, respectively, by Berkshire and its Subsidiaries. Berkshire and each of its Subsidiaries obtained and possesses valid licenses to use all of the software programs present on the computers and other software-enabled electronic devices that it owns or leases or that it has otherwise provided to its employees and contractors for their use. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.20.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Related Party Transactions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.20</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, there are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions or series of related transactions, between Berkshire or any of its Subsidiaries, on the one hand, and any current or former director or &#8220;executive officer&#8221; &#8203;(as defined in Rule&#160;3b-7 under the Exchange Act) of Berkshire or any of its Subsidiaries or any person who beneficially owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or more of the outstanding Berkshire Common Stock (or any of such person&#8217;s immediate family members or affiliates) (other than Subsidiaries of Berkshire) on the other hand, of the type required to be reported in any Berkshire Report pursuant to Item&#160;404 of Regulation&#160;S-K promulgated under the Exchange Act that have not been so reported on a timely basis. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.21.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">State Takeover Laws</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each of the Boards of Directors of Berkshire and Commerce Acquisition Sub, Inc. has approved this Agreement and the transactions contemplated hereby and has taken all such other necessary actions as required to render inapplicable to such agreements and transactions the provisions of any potentially applicable takeover laws of any state including the DGCL, including any Takeover Statutes. In accordance with Section&#160;262 of the DGCL, no appraisal or dissenters&#8217; rights will be available to the holders of Berkshire Common Stock or Commerce Acquisition Sub, Inc. Common Stock in connection with the Merger and the Holdco Merger. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.22.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Reorganization</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire has not taken any action (or failed to take any action, including failing to use its reasonable best efforts to cause any of its respective Subsidiaries from taking any action) and is not aware of any fact or circumstance, in each case, that could reasonably be expected to prevent (i)&#160;the Merger and the Holdco Merger, taken together, from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code or (ii)&#160;Luse Gorman, PC or Goodwin Procter LLP from delivering the opinions described in Sections&#160;7.2(c) and 7.3(c), respectively. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.23.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Opinions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Prior to the execution of this Agreement, the Board of Directors of Berkshire has received an opinion (which, if initially rendered verbally, has been or will be confirmed by a written opinion, dated the same date) of Raymond James to the effect that as of the date of such opinion, and based upon and subject to the factors, assumptions, and limitations set forth therein, the Exchange Ratio in the Merger is fair from a financial point of view to Berkshire. Such opinion has not been amended or rescinded as of the date of this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.24.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Information</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The information relating to Berkshire and its Subsidiaries to be contained in the Joint Proxy Statement and the S-4, and the information relating to Berkshire and its Subsidiaries that is provided by Berkshire or its representatives for inclusion in any other document filed with any Regulatory Agency in connection herewith, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading. The Joint Proxy Statement (except for such portions thereof that relate only to Brookline or any of its Subsidiaries) will comply in all material respects with the provisions of the Exchange Act and the rules and regulations thereunder. The S-4 (except for such portions thereof that relate only to Brookline or any of its Subsidiaries) will comply in all material respects with the provisions of the Securities Act and the rules and regulations thereunder. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.25.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Loan Portfolio</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;As of the date hereof, except as set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.25(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, neither Berkshire nor any of its Subsidiaries is a party to any Loan in which Berkshire or any Subsidiary of Berkshire is a creditor which as of September&#160;30, 2024, had a Total Borrower Commitment of $10,000,000 or more and under the terms of which the Borrower was, as of September&#160;30, 2024, over ninety (90) days or more delinquent in payment of principal or interest. Set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.25(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule is a true, correct and complete list in all material respects of (A)&#160;all of the Loans of Berkshire and its Subsidiaries that, as of September&#160;30, 2024, had an outstanding balance of $20,000,000 or more and were classified by Berkshire as &#8220;Other Loans Specially Mentioned,&#8221; &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import, together with the principal amount and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B)&#160;each asset of Berkshire or any of its Subsidiaries that, as of September&#160;30, 2024, is classified as &#8220;Other Real Estate Owned&#8221; and the book value thereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire, each Loan of Berkshire and its Subsidiaries (i)&#160;is evidenced by notes, agreements or other evidences of indebtedness (including, as applicable, lost note affidavits) that are true, genuine and what they purport to be in all material respects, (ii)&#160;to the extent carried on the books and records of Berkshire and its Subsidiaries as secured Loans, has been secured by valid Liens, as applicable, which have been perfected or are in the process of being recorded and perfected and (iii)&#160;is the legal, valid and </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire, each outstanding Loan of Berkshire or any of its Subsidiaries (including Loans held for resale to investors) was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, the written underwriting standards of Berkshire and its Subsidiaries (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable investors) and with all applicable federal, state and local laws, regulations and rules. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.26.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Insurance</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire, Berkshire and its Subsidiaries are insured with reputable insurers against such risks and in such amounts as the management of Berkshire reasonably has determined to be prudent and consistent with industry practice, and Berkshire and its Subsidiaries are in compliance in all material respects with their insurance policies and are not in default under any of the terms thereof, each such policy is outstanding and in full force and effect and, except for policies insuring against potential liabilities of officers, directors and employees of Berkshire and its Subsidiaries, Berkshire or the relevant Subsidiary thereof is the sole beneficiary of such policies, and all premiums and other payments due under any such policy have been paid, and all claims thereunder have been filed in due and timely fashion. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.26(b)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule sets forth a true, correct and complete description of all BOLI owned by Berkshire Bank or its Subsidiaries, including the value of its BOLI. The value of such BOLI is and has been fairly and accurately reflected in the most recent balance sheet included in Berkshire Reports in accordance with GAAP. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.27.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Information Security</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on Berkshire, to the knowledge of Berkshire, since January&#160;1, 2023, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of the business of Berkshire and its Subsidiaries. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.28.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Subordinated Indebtedness</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire has performed, or has caused its applicable Subsidiary to perform, all of the obligations required to be performed by it and its Subsidiaries and is not in default under the terms of the indebtedness or other instruments related thereto set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.19</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, including any indentures, junior subordinated debentures or trust preferred securities or any agreements related thereto. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;4.29.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Investment Advisor Subsidiary; No Broker-Dealer Subsidiary</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;No Berkshire Subsidiary is required to be registered with the SEC as an investment adviser under the Investment Advisers Act of 1940, as amended. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;No Berkshire Subsidiary is a broker-dealer or is required to be registered as a &#8220;broker&#8221; or &#8220;dealer&#8221; in accordance with the provisions of the Exchange Act, and no employee of a Subsidiary of Berkshire is required to be registered, licensed or qualified as a registered representative of a broker-dealer under, and in compliance with, applicable law. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE V</font>
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          <font style="letter-spacing:-0.2pt;">COVENANTS RELATING TO CONDUCT OF BUSINESS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;5.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conduct of Businesses Prior to the Effective Time</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as expressly contemplated or permitted by this Agreement (including as set forth in the Brookline Disclosure Schedule or the Berkshire Disclosure Schedule), required by law or as consented to in writing by the other party (such consent not to be unreasonably withheld, conditioned or delayed), each of Brookline and Berkshire shall, and shall cause its respective Subsidiaries to, (a)&#160;conduct its business in the ordinary course in all material </font>
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          <font style="letter-spacing:0.2pt;">respects, (b)&#160;use reasonable best efforts to maintain and preserve intact its business organization, employees and advantageous business relationships, and (c)&#160;take no action that would reasonably be expected to adversely affect or materially delay the ability of either Brookline or Berkshire to obtain any necessary approvals of any Regulatory Agency or other Governmental Entity required for the transactions contemplated hereby or to perform its respective covenants and agreements under this Agreement or to consummate the transactions contemplated hereby on a timely basis. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;5.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Forbearances</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as set forth in the Brookline Disclosure Schedule or the Berkshire Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required by law, neither Brookline nor Berkshire shall, and neither Brookline nor Berkshire shall permit any of their respective Subsidiaries to, without the prior written consent of the other party to this Agreement (such consent not to be unreasonably withheld, conditioned or delayed): </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Borrowings</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Other than (i)&#160;federal funds borrowings and Federal Home Loan Bank borrowings, in each case with a maturity not in excess of six (6)&#160;months and (ii)&#160;deposits or other customary banking products such as letters of credit, in each case in the ordinary course of business, incur any indebtedness for borrowed money (other than indebtedness of Brookline or any of its wholly-owned Subsidiaries to Brookline or any of its wholly-owned Subsidiaries, on the one hand, or of Berkshire or any of its wholly-owned Subsidiaries to Berkshire or any of its wholly-owned Subsidiaries, on the other hand), or assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other individual, corporation or other entity; </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Stock; Dividends</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;Adjust, split, combine or reclassify any capital stock; </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;Make, declare, pay or set a record date for any dividend, or any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its capital stock or other equity or voting securities or any securities or obligations convertible (whether currently convertible or convertible only after the passage of time or the occurrence of certain events) or exchangeable into or exercisable for any shares of its capital stock or other equity or voting securities, except, in each case, (A)&#160;regular quarterly cash dividends by Brookline at a rate not in excess of $0.135 per share of Brookline Common Stock, (B)&#160;regular quarterly cash dividends by Berkshire at a rate not in excess of $0.18 per share of Berkshire Common Stock, (C)&#160;dividends paid by any of the Subsidiaries of each of Brookline and Berkshire to Brookline or Berkshire or any of their wholly-owned Subsidiaries, respectively, (D)&#160;regular distributions on outstanding trust preferred securities in accordance with their terms or (E)&#160;the acceptance of shares of Brookline Common Stock or Berkshire Common Stock, as the case may be, as payment for the exercise price of stock options or for withholding Taxes incurred in connection with the exercise of stock options or the vesting or settlement of equity compensation awards, in each case, in accordance with past practice and the terms of the applicable award agreements; </font>
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          <font style="letter-spacing:0.2pt;">(iii)&nbsp;&nbsp;&nbsp;Grant any stock options, stock appreciation rights, performance shares, restricted stock&#160;units, performance stock&#160;units, phantom stock&#160;units, restricted shares or other equity-based awards or interests, or grant any person any right to acquire any shares of capital stock or other equity or voting securities of Brookline or Berkshire or any of their Subsidiaries; or </font>
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          <font style="letter-spacing:0.2pt;">(iv)&nbsp;&nbsp;&nbsp;Other than the sale and issuance of shares of Berkshire Common Stock pursuant to a private placement agreement entered into prior to or simultaneously with this Agreement, issue, sell, transfer, encumber or otherwise permit to become outstanding any shares of capital stock or voting securities or equity interests or securities convertible (whether currently convertible or convertible only after the passage of time or the occurrence of certain events) or exchangeable into, or exercisable for, any shares of its capital stock or other equity or voting securities, including any securities of Brookline or Berkshire or their respective Subsidiaries, or any options, warrants, or other rights of any kind to acquire any shares of capital stock or other equity or voting securities, including any securities of Brookline or Berkshire or their respective Subsidiaries, except pursuant to the exercise of stock options or the vesting or settlement of equity compensation awards in accordance with their terms; </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Dispositions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Sell, transfer, mortgage, encumber or otherwise dispose of any of its material properties, deposits or assets or any business to any individual, corporation or other entity other than a wholly-owned Subsidiary, or cancel, release or assign any indebtedness to any such person or any claims held by any such person, in each case other than in the ordinary course of business, or pursuant to contracts or agreements in force at the date of this Agreement; </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Acquisitions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except for foreclosure or acquisitions of control in a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith in the ordinary course of business, make any material investment in or acquisition of (whether by purchase of stock or securities, contributions to capital, property transfers, merger or consolidation, or formation of a joint venture or otherwise) any other person or the property, deposits or assets of any other person, in each case, other than a wholly-owned Subsidiary of Brookline or Berkshire, as applicable; </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Material Contracts</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In each case except for transactions in the ordinary course of business, terminate, materially amend, or waive any material provision of, any Brookline Contract or Berkshire Contract, as the case may be, or make any change in any instrument or agreement governing the terms of any of its securities, other than normal renewals of contracts without material adverse changes of terms with respect to Brookline or Berkshire, or enter into any contract that would constitute a Brookline Contract or Berkshire Contract, if it were in effect on the date of this Agreement; </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Benefit Plans, Etc</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as required under applicable law, the terms of any Brookline Benefit Plan or Berkshire Benefit Plan (as applicable) existing as of the date hereof or set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(f)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(f)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, (i)&#160;enter into, establish, adopt, amend or terminate any Brookline Benefit Plan or Berkshire Benefit Plan, or any arrangement that would be a Brookline Benefit Plan or Berkshire Benefit Plan if in effect on the date hereof, other than with respect to renewal of broad-based welfare benefit plans (other than severance) in the ordinary course of business consistent with past practice and as would not reasonably be expected to materially increase the cost of benefits under any such Brookline Benefit Plan or Berkshire Benefit Plan, (ii)&#160;increase the compensation or benefits payable to any current or former employee, director or individual consultant except for (A)&#160;normal increases in base compensation to employees in the ordinary course of business consistent with past practice; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that such increases in base compensation do not exceed five&#160;percent (5%) on an individual basis (other than promotions made in the ordinary course, which increase in base compensation on account of any such promotion do not exceed ten&#160;percent (10%)), (B)&#160;as may be required by law, (iii)&#160;to satisfy contractual obligations existing as of the date hereof and disclosed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(f)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(f)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, as the case may be, (iii)&#160;accelerate the vesting of any equity-based awards or other compensation or benefits, (iv)&#160;except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(f)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, enter into any new, or amend any existing, employment, severance, change in control, retention, collective bargaining agreement or similar agreement or arrangement, (v)&#160;fund any rabbi trust or similar arrangement, or in any other way secure the payment of compensation or benefits under any Brookline Benefit Plan or Berkshire Benefit Plan, (vi)&#160;materially change any actuarial or other assumptions used to calculate funding obligations with respect to any Brookline Benefit Plan or Berkshire Benefit Plan that is required by applicable law to be funded or change the manner in which contributions to such plan are made or the basis on which such contributions are determined, except as may be required by generally accepted accounting principles, (vii)&#160;terminate the employment or services of any employee with an annual base salary equal to or in excess of $150,000, other than for cause, (viii)&#160;hire or promote any employee with an annual base salary equal to or in excess of $150,000 (other than as a replacement hire or promotion on substantially similar terms of employment as the departed employee), or significantly change the responsibilities assigned to any such employee, (ix)&#160;implement or announce any employee layoffs, plant closings, reductions in force, furloughs, temporary layoffs, salary or wage reductions, work schedule changes or other such actions that trigger notice requirements under the WARN Act; or (x)&#160;negotiate, modify, extend, or enter into any collective bargaining or other agreement with any labor union or other labor organization or recognize or certify any labor union, labor organization, works council, or group of employees as the bargaining representative for any employees of Berkshire, Brookline or any of their Subsidiaries; </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Claims</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Settle any material claim, suit, action or proceeding, except involving solely monetary remedies in an amount and for consideration not in excess of $500,000 individually or $2,000,000 in the aggregate and that would not impose any material restriction on, or create any adverse precedent that would be material to, the business of it or its Subsidiaries or the Surviving Corporation or its Subsidiaries; </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Real Property</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(h)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(h</font><font style="letter-spacing:0.2pt;">) of the Berkshire Disclosure Schedule, as applicable, enter into any new, or amend any existing, lease or sublease of real property; </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Adverse Actions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Take any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the Merger and the Holdco Merger, taken together, from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code; </font>
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          <font style="letter-spacing:0.2pt;">(j)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Governing Documents</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Amend its certificate of incorporation, its bylaws or comparable governing documents of its Significant Subsidiaries; </font>
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          <font style="letter-spacing:0.2pt;">(k)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Investment Securities</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Materially restructure or materially change its investment securities, derivatives, wholesale funding or BOLI portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported except in accordance with its investment policy as qualified by </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(j)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(j)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, as applicable; </font>
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          <font style="letter-spacing:0.2pt;">(l)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Loans</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Make, increase, extend additional credit, purchase any Loans except in accordance with its loan policy as qualified by </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(k)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2(k)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, as applicable; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;"> that consent shall be deemed to have been granted if not received by the requesting party within two business days of the receiving party&#8217;s receipt of the request for such consent; </font>
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          <font style="letter-spacing:0.2pt;">(m)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Loan Policies</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Make a material change its loan policies in effect as of the date hereof, except as required by any Governmental Entity. </font>
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          <font style="letter-spacing:0.2pt;">(n)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Accounting Methods</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Implement or adopt any change in its accounting principles, practices or methods, other than as may be required by GAAP; </font>
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          <font style="letter-spacing:0.2pt;">(o)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Banking Operations</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Enter into any new line of business or, other than in the ordinary course of business consistent with past practice, change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and operating, hedging, securitization and servicing policies (including any change in the maximum ratio or similar limits as a&#160;percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof), except as required by applicable law, regulation or policies imposed by any Governmental Entity; </font>
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          <font style="letter-spacing:0.2pt;">(p)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Reorganizations</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Merge or consolidate itself or any of its Significant Subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its Significant Subsidiaries; </font>
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          <font style="letter-spacing:0.2pt;">(q)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Tax Matters</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Make, change or revoke any material Tax election, change an annual Tax accounting period, adopt or change any material Tax accounting method, file any material amended Tax Return, enter into any closing agreement with respect to a material amount of Taxes, or settle any material Tax claim, audit, assessment or dispute or surrender any material right to claim a refund of Taxes; or </font>
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          <font style="letter-spacing:0.2pt;">(r)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Agreements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar governing body in support of, any of the actions prohibited by this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;5.2</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VI</font>
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          <font style="letter-spacing:-0.2pt;">ADDITIONAL AGREEMENTS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Regulatory Matters</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Promptly after the date of this Agreement, Brookline and Berkshire shall prepare and file with the SEC the Joint Proxy Statement and Berkshire shall prepare and file with the SEC the S-4, in which the Joint Proxy Statement will be included as a prospectus. The parties shall use reasonable best efforts to make such filings within forty (40) days of the date of this Agreement. Each of Berkshire and Brookline shall use its reasonable best efforts to have the S-4 declared effective under the Securities Act as promptly as practicable after such filings, and Berkshire and Brookline shall thereafter mail or deliver the Joint Proxy Statement to their respective stockholders. Berkshire shall also use its reasonable best efforts to obtain all necessary state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions contemplated by this Agreement, and Brookline shall furnish all information concerning Brookline and the holders of Brookline Common Stock as may be reasonably requested in connection with any such action. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;The parties hereto shall cooperate with each other and use their reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings (and in the case of applications, notices, petitions and filings in respect of the Requisite Regulatory Approvals, use their reasonable best efforts to make such filings within forty (40) days of the date of this Agreement), to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and Governmental Entities which are necessary or advisable to consummate the transactions contemplated by this Agreement (including the Merger, the Holdco Merger and the Bank Merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such Governmental Entities. Berkshire and Brookline shall have the right to review in advance, and, to the extent practicable, each will consult the other on, in each case subject to applicable laws relating to the exchange of information, all the information relating to Brookline or Berkshire, as the case may be, and any of their respective Subsidiaries, which appears in any filing made with, or written materials submitted to, any third party or any Governmental Entity in connection with the transactions contemplated by this Agreement. In exercising the foregoing right, each of the parties hereto shall act reasonably and as promptly as practicable. The parties hereto agree that they will consult with each other with respect to the obtaining of all permits, consents, approvals and authorizations of all third parties and Governmental Entities necessary or advisable to consummate the transactions contemplated by this Agreement and each party will keep the other apprised of the status of matters relating to completion of the transactions contemplated hereby. Each party shall consult with the other in advance of any meeting or conference with any Governmental Entity in connection with the transactions contemplated by this Agreement and to the extent permitted by such Governmental Entity, give the other party and/or its counsel the opportunity to attend and participate in such meetings and conferences, in each case subject to applicable law. As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Requisite Regulatory Approvals</font><font style="letter-spacing:0.2pt;">&#8221; means all regulatory authorizations, consents, orders or approvals (and the expiration or termination of all statutory waiting periods in respect thereof) (x)&#160;from the Federal Reserve Board, the RIDOB, the NYDFS and the MDOB and (y)&#160;set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.4</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.4</font><font style="letter-spacing:0.2pt;"> that are necessary to consummate the transactions contemplated by this Agreement, including the Merger, the Holdco Merger and the Bank Merger, or those the failure of which to be obtained would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on the Surviving Corporation. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Each party shall use its reasonable best efforts to respond to any request for information and resolve any objection that may be asserted by any Governmental Entity with respect to this Agreement or the transactions contemplated hereby. Notwithstanding the foregoing, nothing contained in this Agreement shall be deemed to require Berkshire or Brookline or any of their respective Subsidiaries, and neither Berkshire nor Brookline nor any of their respective Subsidiaries shall be permitted (without the written consent of the other party), to take any action, or commit to take any action, or agree to any condition or restriction, in connection with obtaining the foregoing permits, consents, approvals and authorizations of Governmental Entities or Regulatory Agencies that would reasonably be expected to have a material adverse effect on the Surviving Corporation and its Subsidiaries, taken as a whole, after giving effect to the Merger, the Holdco Merger and the Bank Merger (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Materially Burdensome Regulatory Condition</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;To the extent permitted by applicable law, Berkshire and Brookline shall, upon request, furnish each other with all information concerning themselves, their Subsidiaries, directors, officers and stockholders, </font>
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          <font style="letter-spacing:0.2pt;">and such other matters as may be reasonably necessary or advisable in connection with the Joint Proxy Statement, the S-4 or any other statement, filing, notice or application made by or on behalf of Berkshire, Brookline or any of their respective Subsidiaries to any Governmental Entity in connection with the Merger, the Holdco Merger, the Bank Merger and the other transactions contemplated by this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;To the extent permitted by applicable law, Berkshire and Brookline shall promptly advise each other upon receiving any communication from any Governmental Entity whose consent or approval is required for consummation of the transactions contemplated by this Agreement that causes such party to believe that there is a reasonable likelihood that any Requisite Regulatory Approval will not be obtained or that the receipt of any such approval will be materially delayed. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Access to Information; Confidentiality</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Upon reasonable notice and subject to applicable laws, each of Berkshire and Brookline, for the purposes of verifying the representations and warranties of the other and preparing for the Merger, the related integration and systems conversion or consolidation, and the other matters contemplated by this Agreement, shall, and shall cause each of their respective Subsidiaries to, afford to the officers, employees, accountants, counsel, advisors and other representatives of the other party, access, during normal business hours during the period prior to the Effective Time, to all its properties, books, contracts, commitments, personnel, information technology systems, and records, and each shall cooperate with the other party in preparing to execute after the Effective Time conversion or consolidation of systems and business operations generally, and, during the period prior to the Effective Time, each of Berkshire and Brookline shall, and shall cause its respective Subsidiaries to, make available to the other party (i)&#160;a copy of each report, schedule, registration statement and other document filed or received by it during such period pursuant to the requirements of federal securities laws or federal or state banking laws (other than reports or documents that Berkshire or Brookline, as the case may be, is not permitted to disclose under applicable law), and (ii)&#160;all other information concerning its business, properties and personnel as such party may reasonably request. Notwithstanding the foregoing, neither Berkshire nor Brookline nor any of their respective Subsidiaries shall be required to provide access to or to disclose information where such access or disclosure would violate or prejudice the rights of Berkshire&#8217;s or Brookline&#8217;s, as the case may be, customers, jeopardize the attorney-client privilege of the institution in possession or control of such information (after giving due consideration to the existence of any common interest, joint defense or similar agreement between the parties) or contravene any law, rule, regulation, order, judgment, decree, fiduciary duty or binding agreement entered into prior to the date of this Agreement. The parties hereto will make appropriate substitute disclosure arrangements under circumstances in which the restrictions of the preceding sentence apply. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each of Berkshire and Brookline shall hold all information furnished by or on behalf of the other party or any of such party&#8217;s Subsidiaries or representatives pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.2(a)</font><font style="letter-spacing:0.2pt;"> in confidence to the extent required by, and in accordance with, the provisions of the Mutual Confidentiality and Exclusivity Agreement, dated June&#160;19, 2024, by and between Berkshire and Brookline, as amended, restated or otherwise modified (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Confidentiality Agreement</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;No investigation by either of the parties or their respective representatives or information shared pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.2</font><font style="letter-spacing:0.2pt;"> shall affect or be deemed to modify or waive the representations and warranties of the other set forth herein. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Non-Control</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Nothing contained in this Agreement shall give either Berkshire or Brookline, directly or indirectly, the right to control or direct the operations of the other party prior to the Effective Time. Prior to the Effective Time, each of Berkshire and Brookline shall exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over its and its Subsidiaries&#8217; respective operations. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.4.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stockholders&#8217; Approval</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each of Brookline and Berkshire shall call, give notice of, convene and hold a meeting of its stockholders (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Meeting</font><font style="letter-spacing:0.2pt;">&#8221; and the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Meeting</font><font style="letter-spacing:0.2pt;">,&#8221; respectively) to be held as soon as reasonably practicable after the S-4 is declared effective, for the purpose of obtaining (a)&#160;in the case of Brookline, the Requisite Brookline Vote and, in the case of Berkshire, the Requisite Berkshire Vote, respectively, required in connection with this Agreement, the Berkshire Share Issuance and the Merger and </font>
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          <font style="letter-spacing:0.2pt;">(b)&#160;if so desired and mutually agreed, a vote upon other matters of the type customarily brought before a meeting of stockholders in connection with the approval of a merger agreement or the transactions contemplated thereby, and each of Brookline and Berkshire shall use its reasonable best efforts to cause such meetings to occur as soon as reasonably practicable and on the same date and to set the same record date for such meetings. Such meetings may be held virtually, subject to applicable law and the organizational documents of Brookline and Berkshire, as applicable. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.4(c)</font><font style="letter-spacing:0.2pt;">, each of Berkshire and Brookline and their respective Boards of Directors shall use its reasonable best efforts to obtain from the stockholders of Berkshire and the stockholders of Brookline, the Requisite Berkshire Vote and the Requisite Brookline Vote, respectively, including by communicating to the respective stockholders of Berkshire and stockholders of Brookline its recommendation (and including such recommendation in the Joint Proxy Statement) that, in the case of Berkshire, the stockholders of Berkshire approve (i)&#160;the Berkshire Share Issuance, (ii)&#160;an amendment and restatement of the Berkshire Certificate to increase the number of authorized shares of Berkshire Common Stock to 200,000,000 shares, and (iii)&#160;the New Or Revised Equity Incentive Plan, (collectively the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Board Recommendation</font><font style="letter-spacing:0.2pt;">&#8221;) and, in the case of Brookline, that the stockholders of Brookline approve this Agreement (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Board Recommendation</font><font style="letter-spacing:0.2pt;">&#8221;). Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.4(c)</font><font style="letter-spacing:0.2pt;">, each of Berkshire and Brookline and their respective Boards of Directors shall not (i)&#160;withhold, withdraw, modify or qualify in a manner adverse to the other party the Berkshire Board Recommendation, in the case of Berkshire, or the Brookline Board Recommendation, in the case of Brookline, (ii)&#160;fail to make the Berkshire Board Recommendation, in the case of Berkshire, or the Brookline Board Recommendation, in the case of Brookline, in the Joint Proxy Statement, (iii)&#160;adopt, approve, recommend or endorse an Acquisition Proposal or publicly announce an intention to adopt, approve, recommend or endorse an Acquisition Proposal, (iv)&#160;fail to publicly and without qualification (A)&#160;recommend against any Acquisition Proposal or (B)&#160;reaffirm the Berkshire Board Recommendation, in the case of Berkshire, or the Brookline Board Recommendation, in the case of Brookline, in each case within ten (10) business days (or such fewer number of days as remains prior to the Berkshire Meeting or the Brookline Meeting, as applicable) after an Acquisition Proposal is made public or any request by the other party to do so, or (v)&#160;publicly propose to do any of the foregoing (any of the foregoing, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Recommendation Change</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Subject to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, if the Board of Directors of Berkshire or Brookline, after receiving the advice of its outside counsel and, with respect to financial matters, its outside financial advisors, determines in good faith that it would reasonably be likely to result in a violation of its fiduciary duties under applicable law to make or continue to make the Berkshire Board Recommendation or the Brookline Board Recommendation, as applicable, such Board of Directors may, in the case of Berkshire, prior to the receipt of the Requisite Berkshire Vote submit the Berkshire Share Issuance to its stockholders, and in the case of Brookline, prior to the receipt of the Requisite Brookline Vote submit this Agreement to its stockholders, in each case, without recommendation (which, for the avoidance of doubt, shall constitute a Recommendation Change) (although the resolutions approving this Agreement as of the date hereof may not be rescinded or amended), in which event such Board of Directors may communicate the basis for its lack of a recommendation to its stockholders, in the Joint Proxy Statement or an appropriate amendment or supplement thereto to the extent required by law; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that such Board of Directors may not take any actions under this sentence unless it (A)&#160;gives the other party at least four (4)&#160;business days&#8217; prior written notice of its intention to take such action and a reasonable description of the event or circumstances giving rise to its determination to take such action (including, in the event such action is taken in response to an Acquisition Proposal, the latest material terms and conditions of, and the identity of the third party making, any such Acquisition Proposal, or any amendment or modification thereof, and describe in reasonable detail such other event or circumstances) and (B)&#160;at the end of such notice period, takes into account any amendment or modification to this Agreement proposed by the other party and, after receiving the advice of its outside counsel and, with respect to financial matters, its outside financial advisors, determines in good faith that it would nevertheless reasonably be likely to result in a violation of its fiduciary duties under applicable law to make or continue to make the Berkshire Board Recommendation or Brookline Board Recommendation, as the case may be. Any material amendment to any Acquisition Proposal will be deemed to be a new Acquisition Proposal for purposes of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.4(c)</font><font style="letter-spacing:0.2pt;"> and will require a new notice period of two (2)&#160;business days. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Subject to applicable law, Berkshire or Brookline shall adjourn or postpone the Berkshire Meeting or the Brookline Meeting, as the case may be, if, as of the time for which such meeting is originally scheduled there are insufficient shares of Berkshire Common Stock or Brookline Common Stock, as the case may be, represented (either in person or by proxy) to constitute a quorum necessary to conduct the business of such meeting, or if on the date of such meeting Berkshire or Brookline, as applicable, has not received proxies representing a sufficient number of shares necessary to obtain the Requisite Berkshire Vote or the Requisite Brookline Vote, and subject to the terms and conditions of this Agreement, Brookline or Berkshire, as applicable, shall continue to use reasonable best efforts to solicit proxies from its stockholders in order to obtain the Requisite Brookline Vote or the Requisite Berkshire Vote, respectively; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">however</font><font style="letter-spacing:0.2pt;">, that neither Berkshire nor Brookline shall be required to adjourn or postpone the Berkshire Meeting or the Brookline Meeting, as the case may be, more than two (2)&#160;times. Notwithstanding anything to the contrary herein, but subject to the obligation to adjourn or postpone such meeting as set forth in the immediately preceding sentence, unless this Agreement has been terminated in accordance with its terms, (x)&#160;the Brookline Meeting shall be convened and this Agreement shall be submitted to the stockholders of Brookline at the Brookline Meeting and (y)&#160;the Berkshire Meeting shall be convened and the Berkshire Share Issuance shall be submitted to the stockholders of Berkshire at the Berkshire Meeting, and nothing contained herein shall be deemed to relieve either Berkshire or Brookline of such obligation. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.5.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Legal Conditions to Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject in all respects to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.1(c)</font><font style="letter-spacing:0.2pt;"> of this Agreement, each of Berkshire and Brookline shall, and shall cause its Subsidiaries to, use their reasonable best efforts (a)&#160;to take, or cause to be taken, all actions necessary, proper or advisable to comply promptly with all legal and regulatory requirements that may be imposed on such party or its Subsidiaries with respect to the Merger, the Holdco Merger and the Bank Merger and, subject to the conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;VII</font><font style="letter-spacing:0.2pt;"> hereof, to consummate the transactions contemplated by this Agreement, including the Merger, the Holdco Merger and the Bank Merger, and (b)&#160;to obtain (and to cooperate with the other party to obtain) any material consent, authorization, order or approval of, or any exemption by, any Governmental Entity and any other third party that is required to be obtained by Berkshire or Brookline or any of their respective Subsidiaries in connection with the Merger, the Holdco Merger, the Bank Merger and the other transactions contemplated by this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.6.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stock Exchange Listing</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Berkshire shall cause the shares of Berkshire Common Stock to be issued in the Merger to be approved for listing on the NYSE, subject to official notice of issuance, prior to the Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Prior to the Closing Date, Brookline shall cooperate with Berkshire and use reasonable best efforts to take, or cause to be taken, all actions, and do or cause to be done all things, reasonably necessary, proper or advisable on its part under applicable laws and rules and policies of Nasdaq to enable the delisting by the Surviving Corporation of Brookline Common Stock from Nasdaq and the deregistration of Brookline Common Stock under the Exchange Act as promptly as practicable after the Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.7.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Employee Matters</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Unless otherwise agreed between Berkshire and the Continuing Employee (as defined below), Berkshire, as the Surviving Corporation, shall provide the employees of Brookline and its Subsidiaries as of the Effective Time (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Continuing Employees</font><font style="letter-spacing:0.2pt;">&#8221;), during the period commencing at the Effective Time and ending on the first anniversary thereof (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Continuation Period</font><font style="letter-spacing:0.2pt;">&#8221;), for so long as such Continuing Employees are employed with the Surviving Corporation or its Subsidiaries following the Effective Time, with the following: (i)&#160;(x)&#160;each such Continuing Employee&#8217;s annual base salary or wages, as applicable, that is no less than that provided to such Continuing Employee as of immediately prior to the Closing and (y)&#160;annual cash incentive opportunities that are no less than the cash incentive opportunities provided to such Continuing Employee as of immediately prior to the Closing; and (ii)&#160;(x)&#160;all employee statutory entitlements; and (y)&#160;all employee benefits (other than severance which will be provided as set forth in the last sentence of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(a)</font><font style="letter-spacing:0.2pt;">) and other compensation (including long-term incentive compensation opportunities) that are substantially comparable in the aggregate to those provided to similarly situated employees of Berkshire and its Subsidiaries; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that with respect to clause (ii), until such time as Berkshire fully integrates the Continuing Employees into its plans, participation in the Brookline Benefit Plans (other than severance) shall be deemed to satisfy the foregoing standards, it being understood that the Continuing </font>
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          <font style="letter-spacing:0.2pt;">Employees may commence participating in the plans of Berkshire and its Subsidiaries on different dates following the Effective Time with respect to different plans. During the Continuation Period, each Continuing Employee who is not party to an individual agreement providing for severance or termination benefits and is terminated under severance qualifying circumstances shall be provided severance benefits set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(a)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, subject to such employee&#8217;s execution (and non-revocation) of a release of claims. Prior to the Effective Time, Berkshire and Brookline shall cooperate in reviewing, evaluating and analyzing the Berkshire Benefit Plans and Brookline Benefit Plans. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;With respect to any employee benefit plans of Berkshire or its Subsidiaries in which any Continuing Employees become eligible to participate on or after the Effective Time (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Surviving Entity Plans</font><font style="letter-spacing:0.2pt;">&#8221;), Berkshire, as the Surviving Corporation, and its Subsidiaries shall use commercially reasonable efforts to (i)&#160;waive all pre-existing conditions, exclusions and waiting periods with respect to participation and coverage requirements applicable to such employees and their eligible dependents under any Surviving Entity Plans, (ii)&#160;provide each such employee and their eligible dependents with credit for any co-payments or coinsurance and deductibles paid prior to the Effective Time under a Brookline Benefit Plan that provides health care benefits, to the same extent that such credit was given under the analogous Brookline Benefit Plan prior to the Effective Time, in satisfying any applicable deductible, co-payment, coinsurance or out-of-pocket requirements under any Surviving Entity Plans, and (iii)&#160;recognize all service of such employees with Brookline and its Subsidiaries for all purposes in any Surviving Entity Plan to the same extent that such service was taken into account under the analogous Brookline Benefit Plan prior to the Effective Time for purposes of eligibility, participation and vesting (but not for purposes of benefit accrual), vacation entitlement and severance benefits; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that the foregoing service recognition shall not apply (A)&#160;to the extent it would result in duplication of benefits for the same period of service, (B)&#160;for purposes of any defined benefit pension plan, or (C)&#160;for purposes of any benefit plan that is a frozen plan or provides grandfathered benefits. As of the Effective Time, the Surviving Corporation shall credit each Continuing Employee the amount of vacation time that such employee had accrued under any applicable Brookline Benefit Plan as of the Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Unless otherwise agreed between Berkshire and Brookline, no later than ten (10) business days prior to the Effective Time, Brookline shall cause any 401(k) plan sponsored or maintained by Brookline and its Subsidiaries, including, without limitation, the Brookline Bancorp, Inc. 401(k) Plan (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline 401(k) Plan</font><font style="letter-spacing:0.2pt;">&#8221;) to be terminated effective as of the day immediately prior to the Effective Time and contingent upon the occurrence of the Closing. Brookline shall provide Berkshire with evidence that such plan has been terminated (the form and substance of which shall be subject to reasonable review and comment by Berkshire) not later than two (2)&#160;business days immediately preceding the Effective Time, and (ii)&#160;the Continuing Employees of Brookline shall be eligible to participate, effective as of the Effective Time, in a 401(k) plan sponsored or maintained by Berkshire or one of its Subsidiaries (an &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire 401(k) Plan</font><font style="letter-spacing:0.2pt;">&#8221;), it being agreed that there shall be no gap in participation in a tax-qualified defined contribution plan. Berkshire and Brookline shall take any and all actions as may be required, including amendments to any Brookline 401(k) Plan and/or Berkshire 401(k) Plan, to permit the Continuing Employees of Brookline who are then actively employed to make rollover contributions to the Berkshire 401(k) Plan of &#8220;eligible rollover distributions&#8221; &#8203;(within the meaning of Section&#160;401(a)(31) of the Code). </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;From and after the Effective Time, Berkshire agrees to honor all obligations under the employment agreements, change in control agreements, supplemental executive retirement plans, and similar arrangements as set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(d)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule. Berkshire shall assume and honor all Brookline Benefit Plans listed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(d)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule in accordance with their terms. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;To the extent necessary, Berkshire and Brookline may provide a retention pool up to the amount set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(e)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(e)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, respectively, to enable Berkshire and Brookline to provide pay for performance retention incentives to certain employees of Berkshire or Brookline who are not covered by a written employment agreement, change in control agreement or similar agreement. The recipients and amounts will be mutually determined by Berkshire and Brookline. Such pay for performance retention incentives will be in addition to, and not in lieu of, any severance payment, including the amount that may be paid pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(a)</font><font style="letter-spacing:0.2pt;">. Such designated employees will enter into retention agreements to be provided by Berkshire and reasonably acceptable to Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;No earlier than thirty (30) days prior to the Closing Date, Berkshire shall take all actions, including through resolutions of the boards of directors of Berkshire, that may be necessary or appropriate, to cause the non-qualified deferred compensation plans set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(f)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule to terminate and to be paid out, in the amounts set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(f)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, no later than the first payroll cycle following the Closing Date in accordance with Section&#160;409A of the Code. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;As of the date of this Agreement, (i)&#160;Berkshire and Berkshire Bank shall enter into the agreements set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(g)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule with the individuals listed in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(g)</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule, and such agreements shall be effective as of the Closing Date, and (ii)&#160;Brookline, Brookline Bank, PCSB Bank and Bank Rhode Island, as applicable, shall enter into the agreements set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(g)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule with the individuals listed in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.7(g)</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, and such agreements shall be effective as of the Closing Date. </font>
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          <font style="letter-spacing:0.2pt;">(h)&nbsp;&nbsp;&nbsp;Nothing in this Agreement shall confer upon any employee, officer, director or consultant of Brookline, Berkshire or any of their respective Subsidiaries or affiliates any right to continue in the employ or service of the Surviving Corporation, Brookline, Berkshire or any Subsidiary or affiliate thereof, or shall interfere with or restrict in any way the rights of the Surviving Corporation, Brookline, Berkshire or any Subsidiary or affiliate thereof to discharge or terminate the services of any employee (including any Continuing Employee), officer, director or consultant of the Surviving Corporation, Brookline, Berkshire or any of their respective Subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in this Agreement shall be deemed to (i)&#160;establish, amend, or modify any Brookline Benefit Plan, Berkshire Benefit Plan, Surviving Entity Plan or any other benefit or employment plan, program, agreement or arrangement, or (ii)&#160;alter or limit the ability of the Surviving Corporation or any of its Subsidiaries or affiliates to amend, modify or terminate any particular Brookline Benefit Plan, Berkshire Benefit Plan, Surviving Entity Plan or any other benefit or employment plan, program, agreement or arrangement after the Effective Time. Without limiting the generality of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.11</font><font style="letter-spacing:0.2pt;">, nothing in this Agreement, express or implied, is intended to or shall confer upon any person, including, without limitation, any current or former employee, officer, director or consultant of Brookline, Berkshire or any of their respective Subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.8.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Indemnification; Directors&#8217; and Officers&#8217; Insurance</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;From and after the Effective Time, the Surviving Corporation shall indemnify and hold harmless and shall advance expenses as incurred, in each case to the extent (subject to applicable law) such persons are indemnified or entitled to such advancement of expenses as of the date of this Agreement by Brookline pursuant to the Brookline Certificate, Brookline Bylaws, the governing or organizational documents of any Subsidiary of Brookline, any indemnification agreements in existence as of the date hereof that have been disclosed to Berkshire, each present and former director or officer of Brookline and its Subsidiaries (in each case, when acting in such capacity) (collectively, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Indemnified Parties</font><font style="letter-spacing:0.2pt;">&#8221;) against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, fines, losses, damages, liabilities and other amounts incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the Effective Time, arising out of the fact that such person is or was a director or officer of Brookline or any of its Subsidiaries and pertaining to matters existing or occurring at or prior to the Effective Time, including the transactions contemplated by this Agreement; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that in the case of advancement of expenses, the Brookline Indemnified Party to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such Brookline Indemnified Party is not entitled to indemnification. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;For a period of six (6)&#160;years after the Effective Time, the Surviving Corporation shall cause to be maintained in effect the current policies of directors&#8217; and officers&#8217; liability insurance maintained by Brookline (</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that the Surviving Corporation may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions that are no less advantageous to the insured) with respect to claims against the present and former officers and directors of Brookline or any of its Subsidiaries arising from facts or events which occurred at or before the Effective Time; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that the Surviving Corporation shall not be obligated to expend, on an annual basis, an </font>
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          <font style="letter-spacing:0.2pt;">amount in excess of 300% of the current annual premium paid as of the date hereof by Brookline for such insurance (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Premium Cap</font><font style="letter-spacing:0.2pt;">&#8221;), and if such premiums for such insurance would at any time exceed the Premium Cap, then the Surviving Corporation shall cause to be maintained policies of insurance which, in the Surviving Corporation&#8217;s good faith determination, provide the maximum coverage available at an annual premium equal to the Premium Cap. In lieu of the foregoing, Brookline, in consultation with, but only upon the consent of Berkshire, may (and at the request of Berkshire, Brookline shall use its reasonable best efforts to) obtain at or prior to the Effective Time a six (6)-year &#8220;tail&#8221; policy under Brookline&#8217;s existing directors and officers insurance policy providing equivalent coverage to that described in the preceding sentence if and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed the Premium Cap. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;The provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.8</font><font style="letter-spacing:0.2pt;"> shall survive the Effective Time and are intended to be for the benefit of, and shall be enforceable by, each Brookline Indemnified Party and his or her heirs and representatives. If the Surviving Corporation or any of its successors or assigns (i)&#160;consolidates with or merges into any other person and is not the continuing or surviving person of such consolidation or merger, or (ii)&#160;transfers all or substantially all of its assets or deposits to any other person or engages in any similar transaction, then in each such case the Surviving Corporation will cause proper provision to be made so that the successors and assigns of the Surviving Corporation will expressly assume the obligations set forth in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.8</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.9.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Additional Agreements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In case at any time after the Effective Time any further action is necessary or desirable to carry out the purposes of this Agreement (including any merger between a Subsidiary of Berkshire, on the one hand, and a Subsidiary of Brookline, on the other) or to vest the Surviving Corporation with full title to all properties, assets, rights, approvals, immunities and franchises of any of the parties to the Merger, the Holdco Merger or the Bank Merger, the proper officers and directors of each party to this Agreement and their respective Subsidiaries shall take all such necessary action as may be reasonably requested by Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.10.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Advice of Changes</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and Brookline shall each promptly advise the other party of any effect, change, event, circumstance, condition, occurrence or development (i)&#160;that has had or would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Effect on it or (ii)&#160;that it believes would or would reasonably be expected to cause or constitute a material breach of any of its representations, warranties, obligations, covenants or agreements contained herein that reasonably could be expected to give rise, individually or in the aggregate, to the failure of a condition in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;VII</font><font style="letter-spacing:0.2pt;">; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that any failure to give notice in accordance with the foregoing with respect to any breach shall not be deemed to constitute a violation of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.10</font><font style="letter-spacing:0.2pt;"> or the failure of any condition set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">7.3</font><font style="letter-spacing:0.2pt;"> to be satisfied, or otherwise constitute a breach of this Agreement by the party failing to give such notice, in each case unless the underlying breach would independently result in a failure of the conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">7.3</font><font style="letter-spacing:0.2pt;"> to be satisfied; and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">further</font><font style="letter-spacing:0.2pt;">, that the delivery of any notice pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.10</font><font style="letter-spacing:0.2pt;"> shall not cure any breach of, or noncompliance with, any other provision of this Agreement or limit the remedies available to the party receiving such notice. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.11.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Dividends</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;After the date of this Agreement, each of Berkshire and Brookline shall coordinate with the other the declaration of any dividends in respect of Berkshire Common Stock and Brookline Common Stock and the record dates and payment dates relating thereto, it being the intention of the parties hereto that&#160;holders of Brookline Common Stock shall not receive two dividends, or fail to receive one dividend, in any quarter with respect to their shares of Brookline Common Stock and any shares of Berkshire Common Stock any such holder receives in exchange therefor in the Merger. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;After the Effective Time, the Surviving Corporation shall amend Berkshire&#8217;s dividend policy to include language stating the Board of Directors&#8217; intention to pay a quarterly cash dividend in an amount not less than $1.29 per share, subject to the financial condition of the Surviving Corporation, and provided that sufficient funds are legally available therefor, and provided that the Surviving Corporation and the Surviving Bank each remain &#8220;well capitalized&#8221; as set forth in applicable law or rules. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.12.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stockholder Litigation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each party shall give the other party prompt notice of any stockholder litigation against such party or its directors or officers relating to the transactions contemplated </font>
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          <font style="letter-spacing:0.2pt;">by this Agreement, and shall give the other party the opportunity to participate (at such other&#8217;s party&#8217;s expense) in the defense or settlement of any such litigation. Each party shall give the other the right to review and comment on all filings or responses to be made by such party in connection with any such litigation, and will in good faith take such comments into account. No party shall agree to settle any such litigation without the other party&#8217;s prior written consent, which consent shall not be unreasonably withheld, conditioned or delayed; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that the other party shall not be obligated to consent to any settlement which does not include a full release of such other party and its affiliates or which imposes an injunction or other equitable relief after the Effective Time upon the Surviving Corporation or any of its affiliates. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.13.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Governance</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Prior to the Effective Time, the Board of Directors of Berkshire shall take all actions necessary to adopt the Restated Certificate of Incorporation and the Bylaws Amendment, and to effect the requirements referenced therein that are to be effected as of the Effective Time. Effective as of the Effective Time, the number of directors that will comprise the full Board of Directors of Berkshire (and, as of the Holdco Merger Effective Time, the Surviving Corporation) and the full Board of Directors of Brookline Bank (and, as of the Bank Merger Effective Time, the Surviving Bank) shall each be sixteen (16), of which (i)&#160;eight (8)&#160;shall be directors of Berkshire immediately prior to the Effective Time, which shall include David M. Brunelle and such other directors as determined by Berkshire and (ii)&#160;eight (8)&#160;shall be directors of Brookline immediately prior to the Effective Time, which shall include Paul A. Perrault and such other directors as determined by Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Effective as of the Effective Time, (i)&#160;David M. Brunelle shall serve as the Chairman of the Board of Directors of Berkshire (and, as of the Holdco Merger Effective Time, the Surviving Corporation) and of the Board of Directors of Berkshire Bank (and, as of the Bank Merger Effective Time, the Surviving Bank) for a term of at least two (2)&#160;years (assuming Mr.&#160;Brunelle is elected for a second term) from the Closing Date, and (ii)&#160;Paul A. Perrault shall serve as the President and Chief Executive Officer of the Surviving Corporation and a member of the Board of Directors of the Surviving Bank for a term of at least two (2)&#160;years (assuming Mr.&#160;Perrault is elected for a second term). </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;Effective as of the Effective Time, the headquarters and main office of Berkshire (and, as of the Holdco Merger Effective Time, the Surviving Corporation) and Brookline Bank (and, as of the Bank Merger Effective Time, the Surviving Bank) shall be located 131 Clarendon Street, Boston Massachusetts, 02116. The parties shall mutually agree on determining the successor core processing company, the names of the Surviving Corporation and Surviving Bank and shall cooperate in developing and implementing a branding strategy during the pendency of the proposed transaction, which process will include the President and Chief Operating Officer of Berkshire and presentations to and approvals by each of the Board of Directors of Berkshire and Brookline. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;The bylaws of the Surviving Bank in effect as of the Bank Merger Effective Time will be consistent in all respects with the foregoing provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.13</font><font style="letter-spacing:0.2pt;"> and the corresponding provisions of the Bylaws Amendment. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.14.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Acquisition Proposals</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Each party agrees that it will not, and will cause each of its Subsidiaries and its and their respective officers, directors, employees, agents, advisors and representatives (collectively, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Representatives</font><font style="letter-spacing:0.2pt;">&#8221;) not to, directly or indirectly, (i)&#160;initiate, solicit, knowingly encourage or knowingly facilitate inquiries or proposals with respect to any Acquisition Proposal, (ii)&#160;engage or participate in any negotiations with any person concerning any Acquisition Proposal, (iii)&#160;provide any confidential or nonpublic information or data to, or have or participate in any discussions with, any person relating to any Acquisition Proposal or (iv)&#160;unless this Agreement has been terminated in accordance with its terms, approve or enter into any term sheet, letter of intent, commitment, memorandum of understanding, agreement in principle, acquisition agreement, merger agreement or other agreement (whether written or oral, binding or nonbinding) (other than a confidentiality agreement referred to and entered into in accordance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.14</font><font style="letter-spacing:0.2pt;">) in connection with or relating to any Acquisition Proposal. Notwithstanding the foregoing, in the event that after the date of this Agreement and prior to the receipt of the Requisite Brookline Vote, in the case of Brookline, or the Requisite Berkshire Vote, in the case of Berkshire, a party receives an unsolicited bona fide written </font>
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          <font style="letter-spacing:0.2pt;">Acquisition Proposal, such party may, and may permit its Subsidiaries and its and its Subsidiaries&#8217; Representatives to, furnish or cause to be furnished confidential or nonpublic information or data and participate in such negotiations or discussions with the person making the Acquisition Proposal if the Board of Directors of such party concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its outside financial advisors) that failure to take such actions would reasonably be likely to result in a violation of its fiduciary duties under applicable law; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that, prior to furnishing any confidential or nonpublic information permitted to be provided pursuant to this sentence, such party shall have entered into a confidentiality agreement with the person making such Acquisition Proposal on terms no less favorable in the aggregate to it than the Confidentiality Agreement, which confidentiality agreement shall not provide such person with any exclusive right to negotiate with such party. Each party will, and will cause its Subsidiaries and Representatives to, immediately cease and cause to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any person other than the other party with respect to any Acquisition Proposal. Each party will promptly (within twenty-four (24) hours) advise the other party following receipt of any Acquisition Proposal or any inquiry which could reasonably be expected to lead to an Acquisition Proposal, and the substance thereof (including the terms and conditions of and the identity of the person making such inquiry or Acquisition Proposal), will provide the other party with an unredacted copy of any such Acquisition Proposal and any draft agreements, proposals or other materials received from or on behalf of the person making such inquiry or Acquisition Proposal in connection with such inquiry or Acquisition Proposal, and will keep the other party reasonably apprised of any related developments, discussions and negotiations on a current basis, including any amendments to or revisions of the terms of such inquiry or Acquisition Proposal. Each party shall use its reasonable best efforts to enforce any existing confidentiality or standstill agreements to which it or any of its Subsidiaries is a party in accordance with the terms thereof. As used in this Agreement, &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Acquisition Proposal</font><font style="letter-spacing:0.2pt;">&#8221; means, with respect to Berkshire or Brookline, as applicable, other than the transactions contemplated by this Agreement, as it may be amended from time to time, any offer, proposal or inquiry relating to, or any third party indication of interest in, (i)&#160;any acquisition or purchase, direct or indirect, of 20% or more of the consolidated assets of a party and its Subsidiaries or 20% or more of any class of equity or voting securities of a party or its Subsidiaries whose assets, individually or in the aggregate, constitute 20% or more of the consolidated assets of the party, (ii)&#160;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result in such third party beneficially owning 20% or more of any class of equity or voting securities of a party or its Subsidiaries whose assets, individually or in the aggregate, constitute 20% or more of the consolidated assets of the party, or (iii)&#160;a merger, consolidation, share exchange, business combination, reorganization, recapitalization, liquidation, dissolution or other similar transaction involving a party or its Subsidiaries whose assets, individually or in the aggregate, constitute 20% or more of the consolidated assets of the party. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Nothing contained in this Agreement shall prevent a party or its Board of Directors from complying with Rules 14d-9 and 14e-2 under the Exchange Act with respect to an Acquisition Proposal; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that such rules will in no way eliminate or modify the effect that any action pursuant to such rules would otherwise have under this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.15.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Public Announcements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline and Berkshire agree that the initial press release with respect to the execution and delivery of this Agreement shall be a release mutually agreed to by Brookline and Berkshire. Thereafter, each of the parties agrees that no public release or announcement or statement concerning this Agreement or the transactions contemplated hereby shall be issued by any party without the prior written consent of the other party (which consent shall not be unreasonably withheld, conditioned or delayed), except (a)&#160;as required by applicable law or the rules or regulations of any applicable Governmental Entity or stock exchange to which the relevant party is subject, in which case the party required to make the release or announcement shall consult with the other party about, and allow the other party reasonable time to comment on, such release or announcement in advance of such issuance or (b)&#160;for such releases, announcements or statements that are consistent with other such releases, announcement or statements made after the date of this Agreement in compliance with this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.15</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.16.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Change of Method</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline and Berkshire shall be empowered, upon their mutual agreement, at any time prior to the Effective Time, to change the method or structure of effecting the combination of Brookline and Berkshire (including the provisions of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;I</font><font style="letter-spacing:0.2pt;">), if and to the extent they both deem such change to be necessary, appropriate or desirable; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that no such change shall (a)&#160;alter </font>
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          <font style="letter-spacing:0.2pt;">or change the Exchange Ratio or the number of shares of Berkshire Common Stock received by holders of Brookline Common Stock in exchange for each share of Brookline Common Stock, (b)&#160;adversely affect the Tax treatment of holders of Brookline Common Stock or Berkshire Common Stock pursuant to this Agreement, (c)&#160;adversely affect the Tax treatment of Brookline or Berkshire pursuant to this Agreement or (d)&#160;materially impede or delay the consummation of the transactions contemplated by this Agreement in a timely manner. The parties agree to reflect any such change in an appropriate amendment to this Agreement executed by both parties in accordance with </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.2</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.17.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Restructuring Efforts</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If either Brookline or Berkshire shall have failed to obtain the Requisite Brookline Vote or the Requisite Berkshire Vote at the duly convened Brookline Meeting or Berkshire Meeting, as applicable, or any adjournment or postponement thereof, each of the parties shall in good faith use its reasonable best efforts to negotiate a restructuring of the transactions contemplated by this Agreement (it being understood that neither party shall have any obligation to alter or change any material terms, including the Exchange Ratio or the amount or kind of the consideration to be issued to holders of the capital stock of Brookline as provided for in this Agreement, in a manner adverse to such party or its stockholders) and/or resubmit this Agreement and/or the transactions contemplated hereby (or as restructured pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.16</font><font style="letter-spacing:0.2pt;">) to its stockholders, for approval. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.18.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Takeover Statutes</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;None of Brookline, Berkshire, Commerce Acquisition Sub, Inc. or their respective Boards of Directors shall take any action that would cause any Takeover Statute to become applicable to this Agreement, the Merger or any of the other transactions contemplated hereby, and each shall take all necessary steps to exempt (or ensure the continued exemption of) the Merger and the other transactions contemplated hereby from any applicable Takeover Statute now or hereafter in effect. If any Takeover Statute may become, or may purport to be, applicable to the transactions contemplated hereby, each party and the members of its Board of Directors will grant such approvals and take such actions as are necessary so that the transactions contemplated by this Agreement may be consummated as promptly as practicable on the terms contemplated hereby and otherwise act to eliminate or minimize the effects of any Takeover Statute on any of the transactions contemplated by this Agreement, including, if necessary, challenging the validity or applicability of any such Takeover Statute. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.19.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Treatment of Brookline Debt</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Upon the Holdco Merger Effective Time, Berkshire shall assume the due and punctual performance and observance of the covenants and other obligations to be performed by Brookline, under the Brookline Debt Securities, including the due and punctual payment of the principal of (and premium, if any) and interest thereon, to the extent required and permitted thereby. In connection therewith, (i)&#160;Berkshire shall cooperate and use reasonable best efforts to execute and deliver any supplemental indentures, officer&#8217;s certificates or other documents and provide any opinions of counsel to the trustee thereof, and (ii)&#160;Brookline shall cooperate and use reasonable best efforts to execute and deliver any supplemental indentures, officer&#8217;s certificates or other documents and provide any opinions of counsel to the trustee thereof, in each case, required to make such assumption effective as of the Holdco Merger Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.20.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exemption from Liability under Section&#160;16(b)</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire and Brookline agree that, in order to most effectively compensate and retain Brookline Insiders, both prior to and after the Effective Time, it is desirable that Brookline Insiders not be subject to a risk of liability under Section&#160;16(b) of the Exchange Act to the fullest extent permitted by applicable law in connection with the conversion of shares of Brookline Common Stock and Brookline Equity Awards into Berkshire Common Stock or Berkshire Equity Awards, as applicable, in connection with the Merger, and for that compensatory and retentive purpose agree to the provisions of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.20</font><font style="letter-spacing:0.2pt;">. Brookline shall deliver to Berkshire in a reasonably timely fashion prior to the Effective Time accurate information regarding those officers and directors of Brookline subject to the reporting requirements of Section&#160;16(a) of the Exchange Act (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Insiders</font><font style="letter-spacing:0.2pt;">&#8221;), and the Board of Directors of Berkshire and of Brookline, or a committee of non-employee directors thereof (as such term is defined for purposes of Rule&#160;16b-3(d) under the Exchange Act), shall reasonably promptly thereafter, and in any event prior to the Effective Time, take all such steps as may be required to cause (in the case of Brookline) any dispositions of Brookline Common Stock or Brookline Equity Awards by the Brookline Insiders, and (in the case of Berkshire) any acquisitions of Berkshire Common Stock or Berkshire Equity Awards by any Brookline Insiders who, immediately following the Merger, will be officers or directors of the Surviving Corporation subject to the reporting requirements of Section&#160;16(a) of the Exchange </font>
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          <font style="letter-spacing:0.2pt;">Act, in each case pursuant to the transactions contemplated by this Agreement, to be exempt from liability pursuant to Rule&#160;16b-3 under the Exchange Act to the fullest extent permitted by applicable law. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.21.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Corporate Actions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire shall take the actions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.21</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure schedules no later than ten (10) business days prior to the Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.22.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">New Or Revised Equity Incentive Plan</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;As soon as reasonably possible following the date of this Agreement, a committee composed of members of the Berkshire Board of Directors and the Brookline Board of Directors, including Mr.&#160;Perrault, shall determine, in consultation with a mutually-agreed upon independent compensation consultant and Goodwin Procter LLP, whether to adopt a new equity incentive plan or amendments to the Berkshire Hills Bancorp, Inc. 2022 Equity Incentive Plan. Such determination shall be made prior to the filing of the Joint Proxy Statement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;6.23.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax-Free Reorganization Treatment</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Unless otherwise required pursuant to a final &#8220;determination&#8221; within the meaning of Section&#160;1313(a) of the Code, (i)&#160;each of the parties shall report the Merger and the Holdco Merger, taken together, as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code in all Tax Returns, and (ii)&#160;none of the parties shall take any Tax reporting position inconsistent with the characterization of the Merger and the Holdco Merger, taken together, as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VII</font>
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          <font style="letter-spacing:-0.2pt;">CONDITIONS PRECEDENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;7.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conditions to Each Party&#8217;s Obligation to Effect the Merger</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The respective obligations of the parties to effect the Merger shall be subject to the satisfaction at or prior to the Effective Time of the following conditions: </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Stockholder Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Requisite Berkshire Vote and the Requisite Brookline Vote shall have been obtained in accordance with all applicable laws. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">NYSE Listing</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The shares of Berkshire Common Stock that shall be issuable pursuant to this Agreement shall have been authorized for listing on the NYSE, subject to official notice of issuance. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Regulatory Approvals</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;(i) All Requisite Regulatory Approvals shall have been obtained and shall remain in full force and effect and all statutory waiting periods in respect thereof shall have expired or been terminated, and (ii)&#160;no such Requisite Regulatory Approval shall have resulted in the imposition of any Materially Burdensome Regulatory Condition. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">S-4</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The S-4 shall have become effective under the Securities Act and no stop order suspending the effectiveness of the S-4 shall have been issued and no proceedings for such purpose shall have been initiated or threatened by the SEC and not withdrawn. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">No Injunctions or Restraints; Illegality</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;No order, injunction or decree issued by any court or Governmental Entity of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the Merger, the Holdco Merger, the Bank Merger or any of the other transactions contemplated by this Agreement shall be in effect. No law, statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Entity which prohibits or makes illegal consummation of the Merger, the Holdco Merger, the Bank Merger or any of the other transactions contemplated by this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;7.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conditions to Obligations of Berkshire and Commerce Acquisition Sub, Inc.</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The obligations of Berkshire and Commerce Acquisition Sub, Inc. to effect the Merger are also subject to the satisfaction or waiver by Berkshire at or prior to the Effective Time of the following conditions: </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Representations and Warranties</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The representations and warranties of Brookline set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.2(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.8(a)</font><font style="letter-spacing:0.2pt;"> (in each case after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">) shall be true and correct (other than, in the case of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;3.2(a)</font><font style="letter-spacing:0.2pt;">, such failures to be true and correct as are </font><font style="font-style:italic;letter-spacing:0.2pt;">de minimis</font><font style="letter-spacing:0.2pt;">) in each case as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties are expressly made as of another date, in which case as of such date), and the representations and warranties of Brookline set </font>
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          <font style="letter-spacing:0.2pt;">forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;3.1(a)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.1(b)</font><font style="letter-spacing:0.2pt;"> (with respect to Significant Subsidiaries only), </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.2(b)</font><font style="letter-spacing:0.2pt;"> (with respect to Significant Subsidiaries only), </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.3(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">3.7</font><font style="letter-spacing:0.2pt;"> (in each case, read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">) shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties are expressly made as of another date, in which case as of such date). All other representations and warranties of Brookline set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;">) shall be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties are expressly made as of another date, in which case as of such date); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be expected to have a Material Adverse Effect on Brookline or the Surviving Corporation. Berkshire shall have received a certificate dated as of the Closing Date signed on behalf of Brookline by the Chief Executive Officer and the Chief Financial Officer of Brookline to the foregoing effect. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Performance of Obligations of Brookline</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline shall have performed in all material respects the obligations, covenants and agreements required to be performed by it under this Agreement at or prior to the Effective Time, and Berkshire shall have received a certificate dated as of the Closing Date signed on behalf of Brookline by the Chief Executive Officer and the Chief Financial Officer of Brookline to such effect. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Federal Tax Opinion</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire shall have received the opinion of Luse Gorman, PC, in form and substance reasonably satisfactory to Berkshire, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Merger and the Holdco Merger, taken together, shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. In rendering such opinion, counsel may require (at such time or times as reasonably requested by such counsel) and rely upon representations contained in certificates of officers of Berkshire and Brookline, reasonably satisfactory in form and substance to such counsel. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Bank Merger Agreement</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline shall have caused each of Brookline Bank, Bank Rhode Island, and PCSB Bank to execute and deliver the Bank Merger Agreement. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;7.3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Conditions to Obligations of Brookline</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The obligation of Brookline to effect the Merger is also subject to the satisfaction or waiver by Brookline at or prior to the Effective Time of the following conditions: </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Representations and Warranties</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The representations and warranties of Berkshire set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;4.2(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.8(a)</font><font style="letter-spacing:0.2pt;"> (in each case, after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">) shall be true and correct (other than, in the case of </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;4.2(a)</font><font style="letter-spacing:0.2pt;">, such failures to be true and correct as are </font><font style="font-style:italic;letter-spacing:0.2pt;">de&#160;minimis</font><font style="letter-spacing:0.2pt;">) in each case as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties are expressly made as of another date, in which case as of such date), and the representations and warranties of Berkshire set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;4.1(a)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.1(b)</font><font style="letter-spacing:0.2pt;"> (with respect to Significant Subsidiaries only), </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.2(b)</font><font style="letter-spacing:0.2pt;"> (with respect to Significant Subsidiaries only), </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.3(a)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">4.7</font><font style="letter-spacing:0.2pt;"> (in each case, read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">) shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties are expressly made as of another date, in which case as of such date). All other representations and warranties of Berkshire set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">) shall be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties </font>
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          <font style="letter-spacing:0.2pt;">are expressly made as of another date, in which case as of such date), </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be expected to have a Material Adverse Effect on Berkshire. Brookline shall have received a certificate dated as of the Closing Date signed on behalf of Berkshire by the Chief Executive Officer and the Chief Financial Officer of Berkshire to the foregoing effect. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Performance of Obligations of Berkshire and Commerce Acquisition Sub, Inc</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each of Berkshire and Commerce Acquisition Sub, Inc. shall have performed in all material respects the obligations, covenants and agreements required to be performed by it under this Agreement at or prior to the Effective Time, including, but not limited to, each of the obligations, covenants and agreements set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.12</font><font style="letter-spacing:0.2pt;"> and to effect the requirements referenced therein that are to be effected as of the Holdco Merger Effective Time, and Brookline shall have received a certificate dated as of the Closing Date signed on behalf of Berkshire by the Chief Executive Officer and the Chief Financial Officer of Berkshire to such effect. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Federal Tax Opinion</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Brookline shall have received the opinion of Goodwin Procter LLP, in form and substance reasonably satisfactory to Brookline, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Merger and the Holdco Merger, taken together, shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. In rendering such opinion, counsel may require (at such time or times as reasonably requested by such counsel) and rely upon representations contained in certificates of officers of Berkshire and Brookline, reasonably satisfactory in form and substance to such counsel. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style="font-style:italic;letter-spacing:0.2pt;">Bank Merger Agreement</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Berkshire shall have caused Berkshire Bank to execute and deliver the Bank Merger Agreement to Brookline Bank. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VIII</font>
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          <font style="letter-spacing:-0.2pt;">TERMINATION AND AMENDMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;8.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement may be terminated at any time prior to the Effective Time, whether before or after receipt of the Requisite Berkshire Vote or the Requisite Brookline Vote: </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;by mutual written consent of Berkshire and Brookline; </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;by either Berkshire or Brookline if any Governmental Entity that must grant a Requisite Regulatory Approval has denied approval of the Merger, the Holdco Merger or the Bank Merger and such denial has become final and nonappealable or any Governmental Entity of competent jurisdiction shall have issued a final and nonappealable order, injunction, decree or other legal restraint or prohibition permanently enjoining or otherwise prohibiting or making illegal the consummation of the Merger, the Holdco Merger or the Bank Merger, unless the failure to obtain a Requisite Regulatory Approval shall be due to the failure of the party seeking to terminate this Agreement to perform or observe the obligations, covenants and agreements of such party set forth herein; </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;by either Berkshire or Brookline if the Merger shall not have been consummated on or before the twelve (12) month anniversary of the date of this Agreement (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination Date</font><font style="letter-spacing:0.2pt;">&#8221;), unless the failure of the Closing to occur by such date shall be due to the failure of the party seeking to terminate this Agreement to perform or observe the obligations, covenants and agreements of such party set forth herein; </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;by either Berkshire or Brookline (</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that the terminating party is not then in material breach of any representation, warranty, obligation, covenant or other agreement contained herein) if there shall have been a breach of any of the obligations, covenants or agreements or any of the representations or warranties (or any such representation or warranty shall cease to be true) set forth in this Agreement on the part of Brookline, in the case of a termination by Berkshire, or Berkshire or Commerce Acquisition Sub, Inc., in the case of a termination by Brookline, which breach or failure to be true, either individually or in the aggregate with all other breaches by such party (or failures of </font>
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          <font style="letter-spacing:0.2pt;">A-64</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="tSE82">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">such representations or warranties to be true), would constitute, if occurring or continuing on the Closing Date, the failure of a condition set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.2</font><font style="letter-spacing:0.2pt;">, in the case of a termination by Berkshire, or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;7.3</font><font style="letter-spacing:0.2pt;">, in the case of a termination by Brookline, and which is not cured within thirty (30) days following written notice to Brookline, in the case of a termination by Berkshire, or Berkshire, in the case of a termination by Brookline, or by its nature or timing cannot be cured during such period (or such fewer days as remain prior to the Termination Date); </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;by Brookline prior to such time as the Requisite Berkshire Vote is obtained, if (i)&#160;Berkshire or the Board of Directors of Berkshire shall have made a Recommendation Change or (ii)&#160;Berkshire or the Board of Directors of Berkshire shall have breached its obligations under </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.4</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">6.13</font><font style="letter-spacing:0.2pt;"> in any material respect; or </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;by Berkshire prior to such time as the Requisite Brookline Vote is obtained, if (i)&#160;Brookline or the Board of Directors of Brookline shall have made a Recommendation Change or (ii)&#160;Brookline or the Board of Directors of Brookline shall have breached its obligations under </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.4</font><font style="letter-spacing:0.2pt;"> or </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">6.13</font><font style="letter-spacing:0.2pt;"> in any material respect. </font>
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          <font style="letter-spacing:0.2pt;">The party desiring to terminate this Agreement pursuant to clauses (b)&#160;through (f)&#160;of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1</font><font style="letter-spacing:0.2pt;"> shall give written notice of such termination to the other party in accordance with </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.5</font><font style="letter-spacing:0.2pt;">, specifying the provision or provisions hereof pursuant to which such termination is effected. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;8.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effect of Termination</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;In the event of termination of this Agreement by either Berkshire or Brookline as provided in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1</font><font style="letter-spacing:0.2pt;">, this Agreement shall forthwith become void and have no effect, and none of Berkshire, Commerce Acquisition Sub, Inc., Brookline, any of their respective Subsidiaries or any of the officers or directors of any of them shall have any liability of any nature whatsoever hereunder, or in connection with the transactions contemplated hereby, except that (i)&#160;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.2(b)</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.14</font><font style="letter-spacing:0.2pt;"> and this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IX</font><font style="letter-spacing:0.2pt;"> (other than </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.1</font><font style="letter-spacing:0.2pt;">) shall survive any termination of this Agreement, and (ii)&#160;notwithstanding anything to the contrary contained in this Agreement, none of Berkshire, Commerce Acquisition Sub, Inc. or Brookline shall be relieved or released from any liabilities or damages arising out of its fraud or its willful and material breach of any provision of this Agreement. </font>
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          <font style="letter-spacing:0.2pt;">(b) </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;In the event that after the date of this Agreement and prior to the termination of this Agreement, a bona fide Acquisition Proposal shall have been communicated to or otherwise made known to the Board of Directors or senior management of Brookline or shall have been made directly to the stockholders of Brookline generally or any person shall have publicly announced (and not withdrawn at least two (2)&#160;business days prior to the Brookline Meeting) an Acquisition Proposal, in each case with respect to Brookline and (A)&#160;(x)&#160;thereafter this Agreement is terminated by either Berkshire or Brookline pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(c)</font><font style="letter-spacing:0.2pt;"> without the Requisite Brookline Vote having been obtained (and all other conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;7.1</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">7.3</font><font style="letter-spacing:0.2pt;"> were satisfied or were capable of being satisfied prior to such termination) or (y)&#160;thereafter this Agreement is terminated by Berkshire pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(d)</font><font style="letter-spacing:0.2pt;"> as a result of a willful breach by Brookline, and (B)&#160;prior to the date that is twelve (12) months after the date of such termination, Brookline enters into a definitive agreement or consummates a transaction with respect to an Acquisition Proposal (whether or not the same Acquisition Proposal as that referred to above), then Brookline shall, on the earlier of the date it enters into such definitive agreement and the date of consummation of such transaction, pay Berkshire, by wire transfer of same day funds, a fee equal to $45,000,000 (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination Fee</font><font style="letter-spacing:0.2pt;">&#8221;); </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that for purposes of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(b)(i)</font><font style="letter-spacing:0.2pt;">, all references in the definition of Acquisition Proposal to &#8220;20% or more&#8221; shall instead refer to &#8220;more than 50%&#8221;. </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;In the event that this Agreement is terminated by Berkshire pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(f)</font><font style="letter-spacing:0.2pt;">, then Brookline shall pay Berkshire, by wire transfer of same day funds, the Termination Fee within two&#160;(2)&#160;business days of the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">A-65</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="tARIX">&#8203;</a><a name="tSE91">&#8203;</a><a name="tSE92">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">(c) </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;In the event that after the date of this Agreement and prior to the termination of this Agreement, a bona fide Acquisition Proposal shall have been communicated to or otherwise made known to the Board of Directors or senior management of Berkshire or shall have been made directly to the stockholders of Berkshire generally or any person shall have publicly announced (and not withdrawn at least two (2)&#160;business days prior to the Berkshire Meeting) an Acquisition Proposal, in each case with respect to Berkshire, and (A)&#160;(x)&#160;thereafter this Agreement is terminated by either Berkshire or Brookline pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(c)</font><font style="letter-spacing:0.2pt;"> without the Requisite Berkshire Vote having been obtained (and all other conditions set forth in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;7.1</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">7.2</font><font style="letter-spacing:0.2pt;"> were satisfied or were capable of being satisfied prior to such termination) or (y)&#160;thereafter this Agreement is terminated by Brookline pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(d)</font><font style="letter-spacing:0.2pt;"> as a result of a willful breach by Berkshire, and (B)&#160;prior to the date that is twelve (12) months after the date of such termination, Berkshire enters into a definitive agreement or consummates a transaction with respect to an Acquisition Proposal (whether or not the same Acquisition Proposal as that referred to above), then Berkshire shall, on the earlier of the date it enters into such definitive agreement and the date of consummation of such transaction, pay Brookline, by wire transfer of same day funds, the Termination Fee, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that for purposes of this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(c)(i)</font><font style="letter-spacing:0.2pt;">, all references in the definition of Acquisition Proposal to &#8220;20% or more&#8221; shall instead refer to &#8220;more than 50%.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;In the event that this Agreement is terminated by Brookline pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.1(e)</font><font style="letter-spacing:0.2pt;">, then Berkshire shall pay Brookline, by wire transfer of same day funds, the Termination Fee within two&#160;(2)&#160;business days of the date of termination. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary herein, but without limiting the right of any party to recover liabilities or damages arising out of the other party&#8217;s fraud or its willful and material breach of any provision of this Agreement, in no event shall either party be required to pay the Termination Fee more than once. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;Each of Berkshire and Brookline acknowledges that the agreements contained in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;"> are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, the other party would not enter into this Agreement; accordingly, if Berkshire or Brookline, as the case may be, fails promptly to pay the amount due pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, and, in order to obtain such payment, the other party commences a suit which results in a judgment against the non-paying party for the Termination Fee or any portion thereof, such non-paying party shall pay the costs and expenses of the other party (including reasonable attorneys&#8217; fees and expenses) in connection with such suit. In addition, if Berkshire or Brookline, as the case may be, fails to pay the amounts payable pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, then such party shall pay interest on such overdue amounts (for the period commencing as of the date that such overdue amount was originally required to be paid and ending on the date that such overdue amount is actually paid in full) at a rate per annum equal to the &#8220;prime rate&#8221; published in </font><font style="font-style:italic;letter-spacing:0.2pt;">The Wall Street Journal</font><font style="letter-spacing:0.2pt;"> on the date on which such payment was required to be made for the period commencing as of the date that such overdue amount was originally required to be paid and ending on the date that such overdue amount is actually paid in full. The amounts payable by Brookline and Berkshire pursuant to </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Sections&#160;8.2(b)</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">8.2(c)</font><font style="letter-spacing:0.2pt;">, respectively, and this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2(e)</font><font style="letter-spacing:0.2pt;">, constitute liquidated damages and not a penalty, and except in the case of fraud or willful and material breach, shall be the sole monetary remedy of the other party in the event of a termination of this Agreement specified in such applicable section. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE IX</font>
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          <font style="letter-spacing:-0.2pt;">GENERAL PROVISIONS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Nonsurvival of Representations, Warranties and Agreements</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;None of the representations, warranties, covenants or agreements in this Agreement or in any instrument delivered pursuant to this Agreement (other than the Confidentiality Agreement, which shall survive in accordance with its terms) shall survive the Effective Time, except for </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.9</font><font style="letter-spacing:0.2pt;"> and for those other covenants and agreements contained herein and therein which by their terms apply or are to be performed in whole or in part after the Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Amendment</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to compliance with applicable law, this Agreement may be amended by the parties hereto at any time before or after the receipt of the Requisite Berkshire Vote or the </font>
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          <font style="letter-spacing:0.2pt;">A-66</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="tSE93">&#8203;</a><a name="tSE94">&#8203;</a><a name="tSE95">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">Requisite Brookline Vote; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that after the receipt of the Requisite Berkshire Vote or the Requisite Brookline Vote, there may not be, without further approval of the stockholders of Berkshire or the stockholders of Brookline, as applicable, any amendment of this Agreement that requires such further approval under applicable law. This Agreement may not be amended, modified or supplemented in any manner, whether by course of conduct or otherwise, except by an instrument in writing specifically designated as an amendment hereto, signed on behalf of each of the parties hereto. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Extension; Waiver</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At any time prior to the Effective Time, each of the parties hereto may, to the extent legally allowed, (a)&#160;extend the time for the performance of any of the obligations or other acts of Berkshire or Commerce Acquisition Sub, Inc., in the case of Brookline, or Brookline, in the case of Berkshire, (b)&#160;waive any inaccuracies in the representations and warranties of Berkshire or Commerce Acquisition Sub, Inc., in the case of Brookline, or Brookline, in the case of Berkshire, and (c)&#160;waive compliance with any of the agreements or satisfaction of any conditions for its benefit contained herein; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that after the receipt of the Requisite Berkshire Vote or the Requisite Brookline Vote, there may not be, without further approval of the stockholders of Berkshire or the stockholders of Brookline, as applicable, any extension or waiver of this Agreement or any portion thereof that requires such further approval under applicable law. Any agreement on the part of a party hereto to any such extension or waiver shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or condition shall not operate as a waiver of, or estoppel with respect to, any subsequent or other failure. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.4.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Expenses</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as otherwise provided in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;8.2</font><font style="letter-spacing:0.2pt;">, all costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by the party incurring such expense; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, that the costs and expenses of printing and mailing the Joint Proxy Statement and all filing and other fees paid to the SEC or any other Governmental Entity in connection with the Merger shall be borne equally by Berkshire and Brookline. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Section&#160;9.5.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Notices</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;All notices and other communications hereunder shall be in writing and shall be deemed duly given (a)&#160;on the date of delivery if delivered personally, or if by e-mail, upon confirmation of receipt, (b)&#160;on the first (1st) business day following the date of dispatch if delivered utilizing a next-day service by a recognized next-day courier or (c)&#160;on the earlier of confirmed receipt or the fifth (5th) business day following the date of mailing if delivered by registered or certified mail, return receipt requested, postage prepaid. All notices hereunder shall be delivered to the addresses set forth below, or pursuant to such other instructions as may be designated in writing by the party to receive such notice: </font>
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        <div style="margin-left:60pt; margin-top:8pt; width:396pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;if to Berkshire or Commerce Acquisition Sub, Inc., to: </font>
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        <div style="margin-left:60pt; margin-top:8pt; width:396pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc. </font> <br ><font style="letter-spacing:0.2pt;">60 State Street </font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109 </font></div>
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          <font style="letter-spacing:0.2pt;">Attention:</font>
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          <font style="letter-spacing:0.2pt;">Nitin J. Mhatre, President and Chief Executive Officer </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:0pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Email:</font>
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          <font style="letter-spacing:0.2pt;">nmhatre@berkshirebank.com </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;With copies (which shall not constitute notice) to: </font>
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          <font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc. </font> <br ><font style="letter-spacing:0.2pt;">60 State Street</font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02109 </font></div>
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          <font style="letter-spacing:0.2pt;">Attention:</font>
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          <font style="letter-spacing:0.2pt;">Wm. Gordon Prescott, Senior Executive Vice President, General Counsel and Corporate Secretary </font>
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          <font style="letter-spacing:0.2pt;">Email:</font>
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          <font style="letter-spacing:0.2pt;">gprescott@berkshirebank.com </font>
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          <font style="letter-spacing:0.2pt;">and </font>
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          <font style="letter-spacing:0.2pt;">Luse Gorman, PC </font> <br ><font style="letter-spacing:0.2pt;">5335 Wisconsin Avenue NW, Suite 780 </font> <br ><font style="letter-spacing:0.2pt;">Washington, D.C. 20015 </font></div>
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          <font style="letter-spacing:0.2pt;">Attention:</font>
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          <font style="letter-spacing:0.2pt;">Lawrence M.F. Spaccasi </font> <br ><font style="letter-spacing:0.2pt;">Marc Levy </font></div>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">A-67</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="tSE96">&#8203;</a><a name="tSE97">&#8203;</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:60pt; line-height:12pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Email:</font>
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          <font style="letter-spacing:0.2pt;">lspaccasi@luselaw.com </font> <br ><font style="letter-spacing:0.2pt;">mlevy@luselaw.com </font></div>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;if to Brookline, to: </font>
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          <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc. </font> <br ><font style="letter-spacing:0.2pt;">131 Clarendon Street </font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02116 </font></div>
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          <font style="letter-spacing:0.2pt;">Attention:</font>
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          <font style="letter-spacing:0.2pt;">Paul A. Perrault, Chairman and Chief Executive Officer </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:-0.5pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Email:</font>
          <br >
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        <div style=" margin-top:-0.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:108pt;">
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          <font style="letter-spacing:0.2pt;">paul.perrault@brkl.com </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;With copies (which shall not constitute notice) to: </font>
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          <font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc. </font> <br ><font style="letter-spacing:0.2pt;">131 Clarendon Street </font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02116 </font></div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:-0.5pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Attention:</font>
          <br >
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        <div style=" margin-top:-0.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:108pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Marissa Martin, General Counsel and Corporate Secretary </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:-0.49pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Email:</font>
          <br >
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        <div style=" margin-top:-0.49pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:108pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">marissa.martin@brkl.com </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:60pt; margin-top:8pt; width:396pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">and </font>
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          <font style="letter-spacing:0.2pt;">Goodwin Procter LLP </font> <br ><font style="letter-spacing:0.2pt;">100 Northern Avenue </font> <br ><font style="letter-spacing:0.2pt;">Boston, MA 02210 </font></div>
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          <font style="letter-spacing:0.2pt;">Attention:</font>
          <br >
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        <div style=" margin-top:-0.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:108pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Samantha M. Kirby </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:-0.49pt; margin-bottom:0pt; text-align:left; width:48pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Email:</font>
          <br >
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        <div style=" margin-top:-0.49pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:108pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">skirby@goodwinlaw.com </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.6.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Interpretation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made in this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">include</font><font style="letter-spacing:0.2pt;">,&#8221; &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">includes</font><font style="letter-spacing:0.2pt;">&#8221; or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">including</font><font style="letter-spacing:0.2pt;">&#8221; are used in this Agreement, they shall be deemed to be followed by the words &#8220;without limitation.&#8221; The word &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">or</font><font style="letter-spacing:0.2pt;">&#8221; shall not be exclusive. References to &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">the date hereof</font><font style="letter-spacing:0.2pt;">&#8221; mean the date of this Agreement. As used in this Agreement, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">knowledge</font><font style="letter-spacing:0.2pt;">&#8221; of Brookline means the actual knowledge of any of the officers of Brookline listed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.6</font><font style="letter-spacing:0.2pt;"> of the Brookline Disclosure Schedule, and the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">knowledge</font><font style="letter-spacing:0.2pt;">&#8221; of Berkshire means the actual knowledge of any of the officers of Berkshire listed on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.6</font><font style="letter-spacing:0.2pt;"> of the Berkshire Disclosure Schedule. As used herein, (a)&#160;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">business day</font><font style="letter-spacing:0.2pt;">&#8221; means any day other than a Saturday, a Sunday or a day on which banks in the State of Massachusetts are authorized by law or executive order to be closed, (b)&#160;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">person</font><font style="letter-spacing:0.2pt;">&#8221; means any individual, corporation (including not-for-profit), general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity or other entity of any kind or nature, (c)&#160;an &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">affiliate</font><font style="letter-spacing:0.2pt;">&#8221; of a specified person is any person that directly or indirectly controls, is controlled by, or is under common control with, such specified person, (d)&#160;&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">made available</font><font style="letter-spacing:0.2pt;">&#8221; means any document or other information that was (i)&#160;provided by one party or its representatives to the other party and its representatives prior to the date hereof, (ii)&#160;included in the virtual data room of a party prior to the date hereof or (iii)&#160;filed by a party with the SEC and publicly available on EDGAR prior to the date hereof, and (e)&#160;the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">transactions contemplated hereby</font><font style="letter-spacing:0.2pt;">&#8221; and &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">transactions contemplated by this Agreement</font><font style="letter-spacing:0.2pt;">&#8221; shall include the Merger, the Holdco Merger and the Bank Merger. The Brookline Disclosure Schedule and the Berkshire Disclosure Schedule, as well as all other schedules and all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement. All references to &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">dollars</font><font style="letter-spacing:0.2pt;">&#8221; or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">$</font><font style="letter-spacing:0.2pt;">&#8221; in this Agreement are to United States dollars. This Agreement shall not be interpreted or construed to require any person to take any action, or fail to take any action, if to do so would violate any applicable law. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Section&#160;9.7.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Counterparts</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement may be executed in counterparts, all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties, it being understood that all parties need not sign the same counterpart. </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-68</font>
          <br >
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        <a style="text-decoration:none;color:#003366;" href="#TOC4">TABLE OF CONTENTS</a><a name="tSE98">&#8203;</a><a name="tSE99">&#8203;</a><a name="tSE910">&#8203;</a><a name="tSE911">&#8203;</a>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.8.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Entire Agreement</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement (including the documents and the instruments referred to herein) together with the Confidentiality Agreement constitutes the entire agreement among the parties and supersedes all prior agreements and understandings, both written and oral, among the parties with respect to the subject matter hereof. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.9.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Governing Law; Jurisdiction</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to any applicable conflicts of law. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement or the transactions contemplated hereby exclusively in the Court of Chancery of the State of Delaware, New Castle County, or, if that court does not have jurisdiction, a federal court sitting in Wilmington, Delaware (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Chosen Courts</font><font style="letter-spacing:0.2pt;">&#8221;), and, solely in connection with claims arising under this Agreement or the transactions that are the subject of this Agreement, (i)&#160;irrevocably submits to the exclusive jurisdiction of the Chosen Courts, (ii)&#160;waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (iii)&#160;waives any objection that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (iv)&#160;agrees that service of process upon such party in any such action or proceeding will be effective if notice is given in accordance with </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;9.5</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.10.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Waiver of Jury Trial</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (A)&#160;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (B)&#160;EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (C)&#160;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (D)&#160;EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SECTION 9.10</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.11.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Assignment; Third-Party Beneficiaries</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of Brookline, in the case of Berkshire or Commerce Acquisition Sub, Inc., or Berkshire, in the case of Brookline. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective successors and assigns. Except as otherwise specifically provided in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6.8</font><font style="letter-spacing:0.2pt;">, this Agreement (including the documents and instruments referred to herein) is not intended to, and does not, confer upon any person other than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth herein. The representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.12.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Specific Performance</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in accordance with its specific terms or otherwise breached. Accordingly, the parties shall be entitled to specific performance of the terms hereof, including an injunction or injunctions to prevent breaches or threatened breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the parties&#8217; obligation to consummate the Merger), in addition to any other remedy to which they are entitled at law or in equity. Each of the parties hereby further waives (a)&#160;any defense in any action for specific performance that a remedy at law would be adequate and (b)&#160;any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.13.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Severability</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to be only so broad as is enforceable. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.14.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Confidential Supervisory Information</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Notwithstanding any other provision of this Agreement, no disclosure, representation or warranty shall be made (or other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory information (including confidential supervisory information as defined in 12 C.F.R. &#167;&#160;261.2(b) or identified in 12 C.F.R. &#167;&#167;&#160;309.5(g)(8) and 309.6(a)) of a Governmental Entity by any party to this Agreement to the extent prohibited by applicable law. To the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the limitations of the preceding sentence apply. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.15.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Delivery by Electronic Transmission</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by e-mail delivery of a &#8220;.pdf&#8221; format data file or other electronic means, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall raise the use of e-mail delivery of a &#8220;.pdf&#8221; format data file or other electronic means to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through the use of e-mail delivery of a &#8220;.pdf&#8221; format data file or other electronic means as a defense to the formation of a contract and each party hereto forever waives any such defense. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;9.16.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Other Representations or Warranties</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Except for the representations and warranties made by Brookline in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> and by Berkshire and Commerce Acquisition Sub, Inc. in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">, none of Brookline, Berkshire, Commerce Acquisition Sub, Inc. or any other person makes any express or implied representation or warranty with respect to Brookline, Berkshire or their respective Subsidiaries (including, with respect to Berkshire, Commerce Acquisition Sub, Inc.), or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, and each of Brookline, Berkshire and Commerce Acquisition Sub, Inc. hereby disclaims any such other representations or warranties. In particular, without limiting the foregoing disclaimer, none of Brookline, Berkshire or Commerce Acquisition Sub, Inc., as applicable, or any other person makes or has made any representation or warranty to Berkshire, Commerce Acquisition Sub, Inc. or Brookline, as applicable, or any of their respective affiliates or representatives with respect to (i)&#160;any financial projection, forecast, estimate, budget or prospective information relating to Brookline or Berkshire, as applicable, or any of their respective Subsidiaries (including, with respect to Berkshire, Commerce Acquisition Sub, Inc.) or their respective businesses, or (ii)&#160;except for the representations and warranties made by Brookline in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> and by Berkshire and Commerce Acquisition Sub, Inc. in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">, any oral or written information presented to Brookline, Berkshire or Commerce Acquisition Sub, Inc., as applicable, or any of their respective affiliates or representatives in the course of their respective due diligence investigation of Brookline, Berkshire or Commerce Acquisition Sub, Inc., as applicable, the negotiation of this Agreement or in the course of the transactions contemplated hereby. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;Each of Brookline, Berkshire and Commerce Acquisition Sub, Inc. acknowledges and agrees that none of Berkshire, Commerce Acquisition Sub, Inc., Brookline or any other person has made or is making any express or implied representation or warranty other than those contained in </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;III</font><font style="letter-spacing:0.2pt;"> and </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Article&#160;IV</font><font style="letter-spacing:0.2pt;">. </font>
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          <font style="letter-spacing:0.2pt;">IN WITNESS WHEREOF, Berkshire, Commerce Acquisition Sub, Inc. and Brookline have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written. </font>
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          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">/s/ Nitin J. Mhatre&#8199;</font>
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          <font style="letter-spacing:0.2pt;">Name: Nitin J. Mhatre </font>
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          <font style="letter-spacing:0.2pt;">Title:&nbsp;&nbsp;&nbsp;President and Chief Executive Officer</font>
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          <font style="letter-spacing:0.2pt;">[Signature Page to Agreement and Plan of Merger]</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">IN WITNESS WHEREOF, Berkshire, Commerce Acquisition Sub, Inc. and Brookline have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written. </font>
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          <font style="letter-spacing:-0.2pt;">COMMERCE ACQUISITION SUB, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">/s/ Nitin J. Mhatre&#8199;</font>
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          <font style="letter-spacing:0.2pt;">Name: Nitin J. Mhatre </font>
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          <font style="letter-spacing:0.2pt;">Title:&nbsp;&nbsp;&nbsp;President and Chief Executive Officer</font>
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          <font style="letter-spacing:0.2pt;">[Signature Page to Agreement and Plan of Merger]</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">IN WITNESS WHEREOF, Berkshire, Commerce Acquisition Sub, Inc. and Brookline have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written. </font>
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          <font style="letter-spacing:-0.2pt;">BROOKLINE BANCORP, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">By:</font>
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          <font style="letter-spacing:0.2pt;">/s/ Paul A. Perrault&#8199;</font>
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          <font style="letter-spacing:0.2pt;">Name: Paul A. Perrault </font>
          <br >
          <font style="letter-spacing:0.2pt;">Title:&nbsp;&nbsp;&nbsp;Chairman and Chief Executive Officer</font>
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          <font style="letter-spacing:0.2pt;">[Signature Page to Agreement and Plan of Merger]</font><font style="font-style:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">A-74</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Exhibit&#160;A</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Form of Berkshire Hills Bancorp, Inc. Restated Certificate of Incorporation </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:-0.2pt;">Exhibit&#160;A</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">AMENDED AND RESTATED </font>
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          <font style="letter-spacing:-0.2pt;">CERTIFICATE OF INCORPORATION </font>
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          <font style="letter-spacing:-0.2pt;">OF </font>
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          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FIRST</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The name of the Corporation is Berkshire Hills Bancorp, Inc. (hereinafter sometimes referred to as the &#8220;Corporation&#8221;). </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SECOND</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The address of the registered office of the Corporation in the State of Delaware is Corporation Trust Center, 1209 Orange Street, in the City of Wilmington, County of New Castle. The name of the registered agent at that address is The Corporation Trust Company. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">THIRD</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The purpose of the Corporation is to engage in any lawful act or activity for which a corporation may be organized under the General Corporation Law of the State of Delaware. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FOURTH</font><font style="letter-spacing:0.2pt;">: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;The total number of shares of all classes of stock which the Corporation shall have authority to issue is Two hundred two million (202,000,000) consisting of: </font>
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          <font style="letter-spacing:0.2pt;">1.</font>
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          <font style="letter-spacing:0.2pt;">Two million (2,000,000) shares of Preferred Stock, par value one cent ($.01) per share (the &#8220;Preferred Stock&#8221;); and </font>
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          <font style="letter-spacing:0.2pt;">2.</font>
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          <font style="letter-spacing:0.2pt;">Two hundred million (200,000,000) shares of Common Stock, par value one cent ($.01) per share (the &#8220;Common Stock&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The Board of Directors is authorized, subject to any limitations prescribed by law, to provide for the issuance of the shares of Preferred Stock in series, and by filing a certificate pursuant to the applicable law of the State of Delaware (such certificate being hereinafter referred to as a &#8220;Preferred Stock Designation&#8221;), to establish from time to time the number of shares to be included in each such series, and to fix the designation, powers, preferences, and rights of the shares of each such series and any qualifications, limitations or restrictions thereof. The number of authorized shares of Preferred Stock may be increased or decreased (but not below the number of shares thereof then outstanding) by the affirmative vote of the holders of a majority of the Common Stock, without a vote of the holders of the Preferred Stock, or of any series thereof, unless a vote of any such holders is required pursuant to the terms of any Preferred Stock Designation. </font>
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          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;Notwithstanding any other provision of this Certificate of Incorporation, in no event shall any record owner of any outstanding Common Stock which is beneficially owned, directly or indirectly, by a person who, as of any record date for the determination of stockholders entitled to vote on any matter, beneficially owns in excess of 10% of the then-outstanding shares of Common Stock (the &#8220;Limit&#8221;), be entitled, or permitted to any vote in respect of the shares held in excess of the Limit. The number of votes which may be cast by any record owner by virtue of the provisions hereof in respect of Common Stock beneficially owned by such person beneficially owning shares in excess of the Limit shall be a number equal to the total number of votes which a single record owner of all Common Stock beneficially owned by such person would be entitled to cast, (subject to the provisions of this Article&#160;FOURTH) multiplied by a fraction, the numerator of which is the number of shares of such class or series which are both beneficially owned by such person and owned of record by such record owner and the denominator of which is the total number of shares of Common Stock beneficially owned by such person owning shares in excess of the Limit. </font>
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          <font style="letter-spacing:0.2pt;">2.</font>
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          <font style="letter-spacing:0.2pt;">The following definitions shall apply to this Section&#160;C of this Article&#160;FOURTH: </font>
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          <font style="letter-spacing:0.2pt;">a.</font>
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          <font style="letter-spacing:0.2pt;">&#8220;Affiliate&#8221; shall have the meaning ascribed to it in Rule&#160;12b-2 of the General Rules and Regulations under the Securities Exchange Act of 1934, as amended, as in effect on the date of filing of this Certificate of Incorporation. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">A-76</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">b.</font>
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          <font style="letter-spacing:0.2pt;">&#8220;Beneficial ownership&#8221; shall be determined pursuant to Rule&#160;13d-3 of the General Rules and Regulations under the Securities Exchange Act of 1934, as amended (or any successor rule or statutory provision), or, if said Rule&#160;13d-3 shall be rescinded and there shall be no successor rule or provision thereto, pursuant to said Rule&#160;13d-3 as in effect on the date of filing of this Certificate of Incorporation; provided, however, that a person shall, in any event, also be deemed the &#8220;beneficial owner&#8221; of any Common Stock: </font>
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          <font style="letter-spacing:0.2pt;">(1)</font>
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          <font style="letter-spacing:0.2pt;">which such person or any of its affiliates beneficially owns, directly or indirectly; or </font>
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          <font style="letter-spacing:0.2pt;">(2)</font>
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          <font style="letter-spacing:0.2pt;">which such person or any of its affiliates has: (i)&#160;the right to acquire (whether such right is exercisable immediately or only after the passage of time), pursuant to any agreement, arrangement or understanding (but shall not be deemed to be the beneficial owner of any voting shares solely by reason of an agreement, contract, or other arrangement with this Corporation to effect any transaction which is described in any one or more of clauses 1 through 5 of Section&#160;A of Article&#160;EIGHTH of this Certificate of Incorporation (&#8220;Article&#160;EIGHTH&#8221;)), or upon the exercise of conversion rights, exchange rights, warrants, or options or otherwise, or (ii)&#160;sole or shared voting or investment power with respect thereto pursuant to any agreement, arrangement, understanding, relationship or otherwise (but shall not be deemed to be the beneficial owner of any voting shares solely by reason of a revocable proxy granted for a particular meeting of stockholders, pursuant to a public solicitation of proxies for such meeting, with respect to shares of which neither such person nor any such Affiliate is otherwise deemed the beneficial owner); or </font>
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          <font style="letter-spacing:0.2pt;">which are beneficially owned, directly or indirectly, by any other person with which such first mentioned person or any of its Affiliates acts as a partnership, limited partnership, syndicate or other group pursuant to any agreement, arrangement or understanding for the purpose of acquiring, holding, voting or disposing of any shares of capital stock of this Corporation; and provided further, however, that: (1)&#160;no Director or Officer of this Corporation (or any Affiliate of any such Director or Officer) shall, solely by reason of any or all of such Directors or Officers acting in their capacities as such, be deemed, for any purposes hereof, to beneficially own any Common Stock beneficially owned by any other such Director or Officer (or any Affiliate thereof); and (2)&#160;neither any employee stock ownership or similar plan of this Corporation or any subsidiary of this Corporation, nor any trustee with respect thereto or any Affiliate of such trustee (solely by reason of such capacity of such trustee), shall be deemed, for any purposes hereof, to beneficially own any Common Stock held under any such plan. For purposes only of computing the&#160;percentage of beneficial ownership of Common Stock of a person, the outstanding Common Stock shall include shares deemed owned by such person through application of this subsection but shall not include any other Common Stock which may be issuable by this Corporation pursuant to any agreement, or upon exercise of conversion rights, warrants or options, or otherwise. For all other purposes, the outstanding Common Stock shall include only Common Stock then outstanding and shall not include any Common Stock which may be issuable by this Corporation pursuant to any agreement, or upon the exercise of conversion rights, warrants or options, or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">c.</font>
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          <font style="letter-spacing:0.2pt;">The &#8220;limit&#8221; shall mean 10% of the then-outstanding shares of Common Stock. </font>
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          <font style="letter-spacing:0.2pt;">d.</font>
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          <font style="letter-spacing:0.2pt;">A &#8220;person&#8221; shall include an individual, a firm, a group acting in concert, a corporation, a partnership, an association, a joint venture, a pool, a joint stock company, a trust, an unincorporated organization or similar company, a syndicate or any other group formed for the purpose of acquiring, holding or disposing of securities or any other entity. </font>
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          <font style="letter-spacing:0.2pt;">3.</font>
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          <font style="letter-spacing:0.2pt;">The Board of Directors shall have the power to construe and apply the provisions of this section and to make all determinations necessary or desirable to implement such provisions, including but not limited to matters with respect to: (i)&#160;the number of shares of Common Stock beneficially owned by any person; (ii)&#160;whether a person is an affiliate of another; (iii)&#160;whether a person has an </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-77</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:40pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">agreement, arrangement, or understanding with another as to the matters referred to in the definition of beneficial ownership; (iv)&#160;the application of any other definition or operative provision of the section to the given facts; or (v)&#160;any other matter relating to the applicability or effect of this section. </font>
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          <font style="letter-spacing:0.2pt;">4.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
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          <font style="letter-spacing:0.2pt;">The Board of Directors shall have the right to demand that any person who is reasonably believed to beneficially own Common Stock in excess of the Limit (or holds of record Common Stock beneficially owned by any person in excess of the Limit) supply the Corporation with complete information as to: (i)&#160;the record owner(s) of all shares beneficially owned by such person who is reasonably believed to own shares in excess of the Limit; and (ii)&#160;any other factual matter relating to the applicability or effect of this section as may reasonably be requested of such person. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Except as otherwise provided by law or expressly provided in this Section&#160;C, the presence, in person or by proxy, of the holders of record of shares of capital stock of the Corporation entitling the holders thereof to cast a majority of the votes (after giving effect, if required, to the provisions of this Section&#160;C) entitled to be cast by the holders of shares of capital stock of the Corporation entitled to vote shall constitute a quorum at all meetings of the stockholders, and every reference in this Certificate of Incorporation to a majority or other proportion of capital stock (or the holders thereof) for purposes of determining any quorum requirement or any requirement for stockholder consent or approval shall be deemed to refer to such majority or other proportion of the votes (or the holders thereof) then entitled to be cast in respect of such capital stock. </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">6.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Any constructions, applications, or determinations made by the Board of Directors pursuant to this section in good faith and on the basis of such information and assistance as was then reasonably available for such purpose shall be conclusive and binding upon the Corporation and its stockholders. </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">7.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">In the event any provision (or portion thereof) of this Section&#160;C shall be found to be invalid, prohibited or unenforceable for any reason, the remaining provisions (or portions thereof) of this Section shall remain in full force and effect, and shall be construed as if such invalid, prohibited or unenforceable provision had been stricken herefrom or otherwise rendered inapplicable, it being the intent of this Corporation and its stockholders that each such remaining provision (or portion thereof) of this Section&#160;C remain, to the fullest extent permitted by law, applicable and enforceable as to all stockholders, including stockholders owning an amount of stock over the Limit, notwithstanding any such finding. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FIFTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The following provisions are inserted for the management of the business and the conduct of the affairs of the Corporation, and for further definition, limitation and regulation of the powers of the Corporation and of its Directors and stockholders: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;The business and affairs of the Corporation shall be managed by or under the direction of the Board of Directors. In addition to the powers and authority expressly conferred upon them by statute or by this Certificate of Incorporation or the Bylaws of the Corporation, the Directors are hereby empowered to exercise all such powers and do all such acts and things as may be exercised or done by the Corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The Directors of the Corporation need not be elected by written ballot unless the Bylaws so provide. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;Any action required or permitted to be taken by the stockholders of the Corporation must be effected at a duly called annual or special meeting of stockholders of the Corporation and may not be effected by any consent in writing by such stockholders. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;Special meetings of stockholders of the Corporation may be called only by the Board of Directors pursuant to a resolution adopted by a majority of the Whole Board or as otherwise provided in the Bylaws. The term &#8220;Whole Board&#8221; shall mean the total number of authorized directorships (whether or not there exist any vacancies in previously authorized directorships at the time any such resolution is presented to the Board for adoption). </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-78</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SIXTH</font><font style="letter-spacing:0.2pt;">: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;The number of Directors shall be fixed from time to time exclusively by the Board of Directors pursuant to a resolution adopted by a majority of the Whole Board. The Directors shall be divided into three classes, as nearly equal in number as reasonably possible, with each Director to hold office until his or her successor shall have been duly elected and qualified. At each annual meeting of stockholders following such initial classification and election, held before the 2017 annual meeting of stockholders, the class of directors selected to succeed those Directors whose terms expire shall be elected for a term of office to expire at the third succeeding annual meeting of stockholders after their election. At each annual meeting of stockholders commencing with the 2017 annual meeting of stockholders, Directors elected to succeed those Directors whose terms then expire shall be elected for a term expiring at the next annual meeting of stockholders. Beginning with the 2020 annual meeting of stockholders, the foregoing classification of the Board of Directors shall cease. If the number of Directors is changed prior to the 2017 annual meeting of stockholders, any increase or decrease shall be apportioned among the classes so as to maintain the number of Directors in each class as nearly equal as possible, and any additional Director of any class elected to fill a vacancy resulting from an increase in such class shall hold office for a term that shall coincide with the remaining term of that class. If the number of Directors is increased at or following the 2020 annual meeting of stockholders, any additional Director elected to fill a vacancy resulting from such increase shall hold office for a term expiring at the next annual meeting of stockholders. In no case shall a decrease in the number of Directors remove or shorten the term of any incumbent Director. Each Director shall hold office for the term for which elected and until his or her successor shall have been duly elected and qualified. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;Subject to the rights of the holders of any series of Preferred Stock then outstanding, newly created directorships resulting from any increase in the authorized number of Directors or any vacancies in the Board of Directors resulting from death, resignation, retirement, disqualification, removal from office, or other cause may be filled only by a majority vote of the Directors then in office, though less than a quorum, and Directors so chosen shall hold office for a term expiring at the annual meeting of stockholders at which the term of office of the class to which they have been chosen expires, except that Directors elected to fill vacancies after the 2020 annual meeting of stockholders shall hold office for a term expiring at the next annual meeting of stockholders. No decrease in the number of Directors constituting the Board of Directors shall shorten the term of any incumbent Director. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;Advance notice of stockholder nominations for the election of Directors and of business to be brought by stockholders before any meeting of the stockholders of the Corporation shall be given in the manner provided in the Bylaws of the Corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;Subject to the rights of holders of any series of Preferred Stock then outstanding, any Director, or the entire Board of Directors, may be removed from office at any time, but only for cause and only by the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of capital stock of the Corporation entitled to vote generally in the election of Directors (after giving effect to the provisions of Article&#160;FOURTH of this Certificate of Incorporation (&#8220;Article&#160;FOURTH&#8221;)), voting together as a single class. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SEVENTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The Board of Directors is expressly empowered to adopt, amend or repeal Bylaws of the Corporation. Any adoption, amendment or repeal of the Bylaws of the Corporation by the Board of Directors shall require the approval of a majority of the Whole Board. The stockholders shall also have power to adopt, amend or repeal the Bylaws of the Corporation; provided, however, that, in addition to any vote of the holders of any class or series of stock of this Corporation required by law or by this Certificate of Incorporation, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the capital stock of the Corporation entitled to vote generally in the election of Directors (after giving effect to the provisions of Article&#160;FOURTH), voting together as a single class, shall be required to adopt, amend or repeal any provisions of the Bylaws of the Corporation. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">EIGHTH</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;In addition to any affirmative vote required by law or this Certificate of Incorporation, and except as otherwise expressly provided in this Article&#160;EIGHTH: </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-79</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:17pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
          <br >
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        <div style=" line-height:12pt; text-align:left; margin-left:37pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">any merger or consolidation of the Corporation or any Subsidiary (as hereinafter defined) with: (i)&#160;any Interested Stockholder (as hereinafter defined); or (ii)&#160;any other corporation (whether or not itself an Interested Stockholder) which is, or after such merger or consolidation would be, an Affiliate (as hereinafter defined) of an Interested Stockholder; or </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:17pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:37pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">any sale, lease, exchange, mortgage, pledge, transfer or other disposition (in one transaction or a series of transactions) to or with any Interested Stockholder, or any Affiliate of any Interested Stockholder, of any assets of the Corporation or any Subsidiary having an aggregate Fair Market Value (as hereinafter defined) equaling or exceeding 25% or more of the combined assets of the Corporation and its Subsidiaries; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.91pt; margin-bottom:0pt; text-align:left; width:17pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3.</font>
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        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:37pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the issuance or transfer by the Corporation or any Subsidiary (in one transaction or a series of transactions) of any securities of the Corporation or any Subsidiary to any Interested Stockholder or any Affiliate of any Interested Stockholder in exchange for cash, securities or other property (or a combination thereof) having an aggregate Fair Market Value (as hereinafter defined) equaling or exceeding 25% of the combined Fair Market Value of the outstanding common stock of the Corporation and its Subsidiaries, except for any issuance or transfer pursuant to an employee benefit plan of the Corporation or any Subsidiary thereof; or </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:17pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">4.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:37pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the adoption of any plan or proposal for the liquidation or dissolution of the Corporation proposed by or on behalf of an Interested Stockholder or any Affiliate of any Interested Stockholder; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:17pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5.</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:37pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">any reclassification of securities (including any reverse stock split), or recapitalization of the Corporation, or any merger or consolidation of the Corporation with any of its Subsidiaries or any other transaction (whether or not with or into or otherwise involving an Interested Stockholder) which has the effect, directly or indirectly, of increasing the proportionate share of the outstanding shares of any class of equity or convertible securities of the Corporation or any Subsidiary which is directly or indirectly owned by any Interested Stockholder or any Affiliate of any Interested Stockholder; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">shall require the affirmative vote of the holders of at least 80% of the voting power of the then-outstanding shares of stock of the Corporation entitled to vote in the election of Directors (the &#8220;Voting Stock&#8221;) (after giving effect to the provisions of Article&#160;FOURTH), voting together as a single class. Such affirmative vote shall be required notwithstanding the fact that no vote may be required, or that a lesser&#160;percentage may be specified, by law or by any other provisions of this Certificate of Incorporation or any Preferred Stock Designation in any agreement with any national securities exchange or otherwise. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The term &#8220;Business Combination&#8221; as used in this Article&#160;EIGHTH shall mean any transaction which is referred to in any one or more of paragraphs 1 through 5 of Section&#160;A of this Article&#160;EIGHTH. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The provisions of Section&#160;A of this Article&#160;EIGHTH shall not be applicable to any particular Business Combination, and such Business Combination shall require only the affirmative vote of the majority of the outstanding shares of capital stock entitled to vote after giving effect to the provisions of Article&#160;FOURTH, or such vote (if any), as is required by law or by this Certificate of Incorporation, if, in the case of any Business Combination that does not involve any cash or other consideration being received by the stockholders of the Corporation solely in their capacity as stockholders of the Corporation, the condition specified in the following paragraph 1 is met or, in the case of any other Business Combination, all of the conditions specified in either of the following paragraphs 1 or 2 are met: </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The Business Combination shall have been approved by a majority of the Disinterested Directors (as hereinafter defined). </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">All of the following conditions shall have been met: </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">a.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The aggregate amount of the cash and the Fair Market Value as of the date of the consummation of the Business Combination of consideration other than cash to be received per share by the holders of Common Stock in such Business Combination shall at least be equal to the higher of the following: </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">A-80</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:80pt; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
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          <font style="letter-spacing:0.2pt;">(if applicable) the Highest Per Share Price (as hereinafter defined), including any brokerage commissions, transfer taxes and soliciting dealers&#8217; fees, paid by the Interested Stockholder or any of its Affiliates for any shares of Common Stock acquired by it: (i)&#160;within the two-year period immediately prior to the first public announcement of the proposal of the Business Combination (the &#8220;Announcement Date&#8221;); or (ii)&#160;in the transaction in which it became an Interested Stockholder, whichever is higher; or </font>
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          <font style="letter-spacing:0.2pt;">(2)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:100pt;">
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          <font style="letter-spacing:0.2pt;">the Fair Market Value per share of Common Stock on the Announcement Date or on the date on which the Interested Stockholder became an Interested Stockholder (such latter date is referred to in this Article&#160;EIGHTH as the &#8220;Determination Date&#8221;), whichever is higher. </font>
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          <font style="letter-spacing:0.2pt;">b.</font>
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          <font style="letter-spacing:0.2pt;">The aggregate amount of the cash and the Fair Market Value as of the date of the consummation of the Business Combination of consideration other than cash to be received per share by holders of shares of any class of outstanding Voting Stock other than Common Stock shall be at least equal to the highest of the following (it being intended that the requirements of this subparagraph (b)&#160;shall be required to be met with respect to every such class of outstanding Voting Stock, whether or not the Interested Stockholder has previously acquired any shares of a particular class of Voting Stock): </font>
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          <font style="letter-spacing:0.2pt;">(1)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:100pt;">
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          <font style="letter-spacing:0.2pt;">(if applicable) the Highest Per Share Price (as hereinafter defined), including any brokerage commissions, transfer taxes and soliciting dealers&#8217; fees, paid by the Interested Stockholder for any shares of such class of Voting Stock acquired by it: (i)&#160;within the two-year period immediately prior to the Announcement Date; or (ii)&#160;in the transaction in which it became an Interested Stockholder, whichever is higher; or </font>
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          <font style="letter-spacing:0.2pt;">(2)</font>
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          <font style="letter-spacing:0.2pt;">(if applicable) the highest preferential amount per share to which the holders of shares of such class of Voting Stock are entitled in the event of any voluntary or involuntary liquidation, dissolution or winding up of the Corporation; or </font>
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          <font style="letter-spacing:0.2pt;">(3)</font>
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          <font style="letter-spacing:0.2pt;">the Fair Market Value per share of such class of Voting Stock on the Announcement Date or on the Determination Date, whichever is higher. </font>
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          <font style="letter-spacing:0.2pt;">c.</font>
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          <font style="letter-spacing:0.2pt;">The consideration to be received by holders of a particular class of outstanding Voting Stock (including Common Stock) shall be in cash or in the same form as the Interested Stockholder has previously paid for shares of such class of Voting Stock. If the Interested Stockholder has paid for shares of any class of Voting Stock with varying forms of consideration, the form of consideration to be received per share by holders of shares of such class of Voting Stock shall be either cash or the form used to acquire the largest number of shares of such class of Voting Stock previously acquired by the Interested Stockholder. The price determined in accordance with subparagraph B.2 of this Article&#160;EIGHTH shall be subject to appropriate adjustment in the event of any stock dividend, stock split, combination of shares or similar event. </font>
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          <font style="letter-spacing:0.2pt;">d.</font>
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          <font style="letter-spacing:0.2pt;">After such Interested Stockholder has become an Interested Stockholder and prior to the consummation of such Business Combination: (1)&#160;except as approved by a majority of the Disinterested Directors (as hereinafter defined), there shall have been no failure to declare and pay at the regular date therefor any full quarterly dividends (whether or not cumulative) on any outstanding stock having preference over the Common Stock as to dividends or liquidation; (2)&#160;there shall have been: (i)&#160;no reduction in the annual rate of dividends paid on the Common Stock (except as necessary to reflect any subdivision of the Common Stock), except as approved by a majority of the Disinterested Directors; and (ii)&#160;an increase in such annual rate of dividends as necessary to reflect any reclassification (including any reverse stock split), recapitalization, reorganization or any similar transaction which has the effect of reducing the number of outstanding shares of the Common Stock, unless the failure to so increase such annual rate is approved by a majority </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-81</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:80pt; width:376pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">of the Disinterested Directors, and (3)&#160;neither such Interested Stockholder or any of its Affiliates shall have become the beneficial owner of any additional shares of Voting Stock except as part of the transaction which results in such Interested Stockholder becoming an Interested Stockholder. </font>
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          <font style="letter-spacing:0.2pt;">e.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
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          <font style="letter-spacing:0.2pt;">After such Interested Stockholder has become an Interested Stockholder, such Interested Stockholder shall not have received the benefit, directly or indirectly (except proportionately as a stockholder), of any loans, advances, guarantees, pledges or other financial assistance or any tax credits or other tax advantages provided, directly or indirectly, by the Corporation, whether in anticipation of or in connection with such Business Combination or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">f.</font>
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          <font style="letter-spacing:0.2pt;">A proxy or information statement describing the proposed Business Combination and complying with the requirements of the Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder (or any subsequent provisions replacing such Act, and the rules or regulations thereunder) shall be mailed to stockholders of the Corporation at least 30&#160;days prior to the consummation of such Business Combination (whether or not such proxy or information statement is required to be mailed pursuant to such Act or subsequent provisions). </font>
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          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;For the purposes of this Article&#160;EIGHTH: </font>
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          <font style="letter-spacing:0.2pt;">1.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">A &#8220;Person&#8221; shall include an individual, a firm, a group acting in concert, a corporation, a partnership, an association, a joint venture, a pool, a joint stock company, a trust, an unincorporated organization or similar company, a syndicate or any other group formed for the purpose of acquiring, holding or disposing of securities or any other entity. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:7.81pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:7.81pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Interested Stockholder&#8221; shall mean any person (other than the Corporation or any Holding Company or Subsidiary thereof) who or which: </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">a.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">is the beneficial owner, directly or indirectly, of more than 10% of the voting power of the outstanding Voting Stock; or </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">b.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">is an Affiliate of the Corporation and at any time within the two-year period immediately prior to the date in question was the beneficial owner, directly or indirectly, of 10% or more of the voting power of the then outstanding Voting Stock; or </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">c.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">is an assignee of or has otherwise succeeded to any shares of Voting Stock which were at any time within the two-year period immediately prior to the date in question beneficially owned by any Interested Stockholder, if such assignment or succession shall have occurred in the course of a transaction or series of transactions not involving a public offering within the meaning of the Securities Act of 1933, as amended. </font>
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          <font style="letter-spacing:0.2pt;">3.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">For purposes of this Article&#160;EIGHTH, &#8220;beneficial ownership&#8221; shall be determined in the manner provided in Article&#160;FOURTH hereof. </font>
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          <font style="letter-spacing:0.2pt;">4.</font>
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          <font style="letter-spacing:0.2pt;">&#8220;Affiliate&#8221; and &#8220;Associate&#8221; shall have the respective meanings ascribed to such terms in Rule&#160;12b-2 of the General Rules and Regulations under the Securities Exchange Act of 1934, as in effect on the date of filing of this Certificate of Incorporation. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:7.91pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5.</font>
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        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Subsidiary&#8221; means any corporation of which a majority of any class of equity security is owned, directly or indirectly, by the Corporation; provided, however, that for the purposes of the definition of Interested Stockholder set forth in Paragraph 2 of this Section&#160;C, the term &#8220;Subsidiary&#8221; shall mean only a corporation of which a majority of each class of equity security is owned, directly or indirectly, by the Corporation. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">6.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Disinterested Director&#8221; means any member of the Board of Directors who is unaffiliated with the Interested Stockholder and was a member of the Board of Directors prior to the time that the Interested Stockholder became an Interested Stockholder, and any Director who is thereafter chosen to fill any vacancy of the Board of Directors or who is elected and who, in </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A-82</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:60pt; width:396pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">either event, is unaffiliated with the Interested Stockholder and in connection with his or her initial assumption of office is recommended for appointment or election by a majority of Disinterested Directors then on the Board of Directors. </font>
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          <font style="letter-spacing:0.2pt;">7.</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Fair Market Value&#8221; means: </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">a.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">in the case of stock, the highest closing sales price of the stock during the 30-day period immediately preceding the date in question of a share of such stock on the National Association of Securities Dealers Automated Quotation System or any system then in use, or, if such stock is admitted to trading on a principal United States securities exchange registered under the Securities Exchange Act of 1934, as amended, Fair Market Value shall be the highest sale price reported during the 30-day period preceding the date in question, or, if no such quotations are available, the Fair Market Value on the date in question of a share of such stock as determined by the Board of Directors in good faith, in each case with respect to any class of stock, appropriately adjusted for any dividend or distribution in shares of such stock or any stock split or reclassification of outstanding shares of such stock into a greater number of shares of such stock or any combination or reclassification of outstanding shares of such stock into a smaller number of shares of such stock; and </font>
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          <font style="letter-spacing:0.2pt;">b.</font>
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          <font style="letter-spacing:0.2pt;">in the case of property other than cash or stock, the Fair Market Value of such property on the date in question as determined by the Board of Directors in good faith. </font>
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          <font style="letter-spacing:0.2pt;">8.</font>
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          <font style="letter-spacing:0.2pt;">Reference to &#8220;Highest Per Share Price&#8221; shall in each case with respect to any class of stock reflect an appropriate adjustment for any dividend or distribution in shares of such stock or any stock split or reclassification of outstanding shares of such stock into a greater number of shares of such stock or any combination or reclassification of outstanding shares of such stock into a smaller number of shares of such stock. </font>
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          <font style="letter-spacing:0.2pt;">9.</font>
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          <font style="letter-spacing:0.2pt;">In the event of any Business Combination in which the Corporation survives, the phrase &#8220;consideration other than cash to be received&#8221; as used in Subparagraphs (a)&#160;and (b)&#160;of Paragraph 2 of Section&#160;B of this Article&#160;EIGHTH shall include the shares of Common Stock and/or the shares of any other class of outstanding Voting Stock retained by the holders of such shares. </font>
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          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;A majority of the Disinterested Directors of the Corporation shall have the power and duty to determine for the purposes of this Article&#160;EIGHTH, on the basis of information known to them after reasonable inquiry: (a)&#160;whether a person is an Interested Stockholder; (b)&#160;the number of shares of Voting Stock beneficially owned by any person; (c)&#160;whether a person is an Affiliate or Associate of another; and (d)&#160;whether the assets which are the subject of any Business Combination have, or the consideration to be received for the issuance or transfer of securities by the Corporation or any Subsidiary in any Business Combination has an aggregate Fair Market Value equaling or exceeding 25% of the combined Fair Market Value of the Common Stock of the Corporation and its Subsidiaries. A majority of the Disinterested Directors shall have the further power to interpret all of the terms and provisions of this Article&#160;EIGHTH. </font>
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          <font style="letter-spacing:0.2pt;">E.&nbsp;&nbsp;&nbsp;Nothing contained in this Article&#160;EIGHTH shall be construed to relieve any Interested Stockholder from any fiduciary obligation imposed by law. </font>
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          <font style="letter-spacing:0.2pt;">Notwithstanding any other provisions of this Certificate of Incorporation or any provision of law which might otherwise permit a lesser vote or no vote, but in addition to any affirmative vote of the holders of any particular class or series of the Voting Stock required by law, this Certificate of Incorporation or any Preferred Stock Designation, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the Voting Stock (after </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">NINTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The Board of Directors of the Corporation, when evaluating any offer of another Person (as defined in Article&#160;EIGHTH hereof) to: (A)&#160;make a tender or exchange offer for any equity security of the Corporation; (B)&#160;merge or consolidate the Corporation with another corporation or entity; or (C)&#160;purchase or otherwise acquire all or substantially all of the properties and assets of the Corporation, may, in connection with the exercise of its judgment in determining what is in the best interest of the Corporation </font>
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          <font style="letter-spacing:0.2pt;">and its stockholders, give due consideration to all relevant factors, including, without limitation, those factors that Directors of any subsidiary of the Corporation may consider in evaluating any action that may result in a change or potential change in the control of the subsidiary, and the social and economic effect of acceptance of such offer: on the Corporation&#8217;s present and future customers and employees and those of its Subsidiaries (as defined in Article&#160;EIGHTH hereof); on the communities in which the Corporation and its Subsidiaries operate or are located; on the ability of the Corporation to fulfill its corporate objective as a savings and loan holding company under applicable laws and regulations; and on the ability of its subsidiary savings institution to fulfill the objectives of a stock form savings institution under applicable statutes and regulations. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TENTH</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;Each person who was or is made a party or is threatened to be made a party to or is otherwise involved in any action, suit or proceeding, whether civil, criminal, administrative or investigative (hereinafter a &#8220;proceeding&#8221;), by reason of the fact that he or she is or was a Director or an Officer of the Corporation or is or was serving at the request of the Corporation as a Director, Officer, employee or agent of another corporation or of a partnership, joint venture, trust or other enterprise, including service with respect to an employee benefit plan (hereinafter an &#8220;indemnitee&#8221;), whether the basis of such proceeding is alleged action in an official capacity as a Director, Officer, employee or agent or in any other capacity while serving as a Director, Officer, employee or agent, shall be indemnified and held harmless by the Corporation to the fullest extent authorized by the Delaware General Corporation Law, as the same exists or may hereafter be amended (but, in the case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader indemnification rights than such law permitted the Corporation to provide prior to such amendment), against all expense, liability and loss (including attorneys&#8217; fees, judgments, fines, ERISA excise taxes or penalties and amounts paid in settlement) reasonably incurred or suffered by such indemnitee in connection therewith; provided, however, that, except as provided in Section&#160;C hereof with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation. </font>
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          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The right to indemnification conferred in Section&#160;A of this Article&#160;TENTH shall include the right to be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final disposition (hereinafter an &#8220;advancement of expenses&#8221;); provided, however, that, if the Delaware General Corporation Law requires, an advancement of expenses incurred by an indemnitee in his or her capacity as a Director or Officer (and not in any other capacity in which service was or is rendered by such indemnitee, including, without limitation, services to an employee benefit plan) shall be made only upon delivery to the Corporation of an undertaking (hereinafter an &#8220;undertaking&#8221;), by or on behalf of such indemnitee, to repay all amounts so advanced if it shall ultimately be determined by final judicial decision from which there is no further right to appeal (hereinafter a &#8220;final adjudication&#8221;) that such indemnitee is not entitled to be indemnified for such expenses under this Section or otherwise. The rights to indemnification and to the advancement of expenses conferred in Sections&#160;A and B of this Article&#160;TENTH shall be contract rights and such rights shall continue as to an indemnitee who has ceased to be a Director, Officer, employee or agent and shall inure to the benefit of the indemnitee&#8217;s heirs, executors and administrators. </font>
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          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;If a claim under Section&#160;A or B of this Article&#160;TENTH is not paid in full by the Corporation within sixty days after a written claim has been received by the Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim. If successful in whole or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall be entitled to be paid also the expenses of prosecuting or defending such suit. In (i)&#160;any suit brought by the indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii)&#160;in any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met any applicable standard for indemnification set forth in the Delaware General Corporation Law. Neither the failure of the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) to have made a </font>
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          <font style="letter-spacing:0.2pt;">determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable standard of conduct set forth in the Delaware General Corporation Law, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit. In any suit brought by the indemnitee to enforce a right to indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of expenses, under this Article&#160;TENTH or otherwise shall be on the Corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;The rights to indemnification and to the advancement of expenses conferred in this Article&#160;TENTH shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, the Corporation&#8217;s Certificate of Incorporation, Bylaws, agreement, vote of stockholders or Disinterested Directors or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">E.&nbsp;&nbsp;&nbsp;The Corporation may maintain insurance, at its expense, to protect itself and any Director, Officer, employee or agent of the Corporation or subsidiary or Affiliate or another corporation, partnership, joint venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such person against such expense, liability or loss under the Delaware General Corporation Law. </font>
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          <font style="letter-spacing:0.2pt;">F.&nbsp;&nbsp;&nbsp;The Corporation may, to the extent authorized from time to time by the Board of Directors, grant rights to indemnification and to the advancement of expenses to any employee or agent of the Corporation to the fullest extent of the provisions of this Article&#160;TENTH with respect to the indemnification and advancement of expenses of Directors and Officers of the Corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ELEVENTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;A Director of this Corporation shall not be personally liable to the Corporation or its stockholders for monetary damages for breach of fiduciary duty as a Director, except for liability: (i)&#160;for any breach of the Director&#8217;s duty of loyalty to the Corporation or its stockholders; (ii)&#160;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (iii)&#160;under Section&#160;174 of the Delaware General Corporation Law; or (iv)&#160;for any transaction from which the Director derived an improper personal benefit. If the Delaware General Corporation Law is amended to authorize corporate action further eliminating or limiting the personal liability of Directors, then the liability of a Director of the Corporation shall be eliminated or limited to the fullest extent permitted by the Delaware General Corporation Law, as so amended. </font>
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          <font style="letter-spacing:0.2pt;">Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a Director of the Corporation existing at the time of such repeal or modification. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TWELFTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The Corporation reserves the right to amend or repeal any provision contained in this Certificate of Incorporation in the manner prescribed by the laws of the State of Delaware and all rights conferred upon stockholders are granted subject to this reservation; provided, however, that, notwithstanding any other provision of this Certificate of Incorporation or any provision of law which might otherwise permit a lesser vote or no vote, but in addition to any vote of the holders of any class or series of the stock of this Corporation required by law or by this Certificate of Incorporation, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the capital stock of the Corporation entitled to vote generally in the election of Directors (after giving effect to the provisions of Article&#160;FOURTH), voting together as a single class, shall be required to amend or repeal this Article&#160;TWELFTH, Section&#160;C of Article&#160;FOURTH, Sections&#160;C or D of Article&#160;FIFTH, Article&#160;SIXTH, Article&#160;SEVENTH, Article&#160;EIGHTH or Article&#160;TENTH. </font>
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          <font style="letter-spacing:0.2pt;">A-85</font>
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          <font style="letter-spacing:0.2pt;">IN WITNESS WHEREOF, the undersigned has executed this Amended and Restated Certificate of Incorporation this &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; day of &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;, 2025. </font>
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          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">&#8199;</font>
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          <font style="letter-spacing:0.2pt;">Wm. Gordon Prescott </font>
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          <font style="letter-spacing:0.2pt;">A-86</font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Exhibit&#160;B</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Form of Bylaws Amendment </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:-0.2pt;">Exhibit&#160;B</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Amendment to the Amended and Restated Bylaws of</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">Berkshire Hills Bancorp, Inc</font><font style="letter-spacing:0.2pt;">. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The Amended and Restate Bylaws of Berkshire Hills Bancorp, Inc. (the &#8220;Bylaws&#8221;) are hereby amended as follows: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">1.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;1 of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annual Meeting.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">An annual meeting of the stockholders, for the election of Directors to succeed those whose terms expire and for the transaction of such other business as may properly come before the meeting, shall be held at such place, on such date, and at such time as the Board of Directors shall each year fix, which place, date and time may subsequently be changed at any time by vote of the Board of Directors. If no annual meeting has been held for a period of thirteen (13) months after the Corporation&#8217;s last annual meeting, a special meeting in lieu thereof may be held, and such special meeting shall have, for the purposes of these Bylaws or otherwise, all the force and effect of an annual meeting. Any and all references hereafter in these Bylaws to an annual meeting or annual meetings also shall be deemed to refer to any special meeting(s) in lieu thereof. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">2.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;2 of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Special Meetings.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Subject to the rights of the holders of any class or series of preferred stock of the Corporation, special meetings of stockholders of the Corporation may be called only by the Board of Directors pursuant to a resolution adopted by a majority of the total number of Directors which the Corporation would have if there were no vacancies on the Board of Directors (hereinafter the &#8220;Whole Board&#8221;). Only those matters set forth in the notice of the special meeting may be considered or acted upon at a special meeting of stockholders of the Corporation. Nominations of persons for election to the Board of Directors of the Corporation and stockholder proposals of other business shall not be brought before a special meeting of stockholders to be considered by the stockholders unless such special meeting is held in lieu of an annual meeting of stockholders in accordance with Article&#160;I, Section&#160;1 of these Bylaws, in which case such special meeting in lieu thereof shall be deemed an annual meeting for purposes of these Bylaws and the provisions of Article&#160;I, Section&#160;6 of these Bylaws shall govern such special meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">3.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;6(b) of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;At any annual meeting of the stockholders, only such business shall be conducted as shall have been brought before the meeting (x)&#160;by or at the direction of the Board of Directors or (y)&#160;by any stockholder of the Corporation who is entitled to vote with respect thereto, who is present (in person or by proxy) at the meeting and who complies with the notice procedures set forth in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6(b)</font><font style="letter-spacing:0.2pt;"> as to such business. For business to be properly brought before an annual meeting by a stockholder pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6(b)</font><font style="letter-spacing:0.2pt;">, (1)&#160;the business must relate to a proper subject matter for stockholder action under Delaware law, (2)&#160;the stockholder must have given Timely Notice (as defined below) thereof in writing to the Secretary of the Corporation, (3)&#160;the stockholder must have provided updates or supplements to such Timely Notice at the times and in the forms required by </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6(d)</font><font style="letter-spacing:0.2pt;"> and (4)&#160;together with the beneficial owner(s), if any, on whose behalf the business proposal is made, the stockholder must have acted in accordance with the representations set forth in the New Business Solicitation Statement (as defined below) required by this Bylaw. To be timely, a stockholder&#8217;s notice must be delivered or mailed to and received at the principal executive offices of the Corporation not later than the close of business on the ninetieth (90</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;">) day nor earlier than the close of business on the one hundred twentieth (120</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;">) prior to the one-year anniversary of the preceding year&#8217;s annual meeting; provided, however, that in the event the annual meeting is first convened more than thirty (30) days before or more than sixty (60) days after such anniversary date, or if no annual meeting were held in the preceding year, notice by the stockholder to be timely must be received by the Secretary of the Corporation not later than the close of business on the later of the ninetieth (90th) day prior to the scheduled date of </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">such annual meeting or the tenth (10th) day following the day on which public announcement of the date of such meeting is first made (such notice within such time periods shall be referred to as &#8220;Timely Notice&#8221;). A stockholder&#8217;s Timely Notice to the Secretary shall set forth: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">as to each matter such stockholder proposes to bring before the annual meeting, a brief description of the business desired to be brought before the annual meeting, the reasons for conducting such business at the annual meeting, and any material interest in such business of each New Business Proposing Person (as defined below); </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">the name and address of the stockholder giving the notice, as they appear on the Corporation&#8217;s books, and the names and addresses of the other Proposing Persons (if any); </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">as to each Proposing Person, the following information: (A)&#160;the class or series and number of all shares of capital stock of the Corporation which are, directly or indirectly, owned beneficially or of record by such Proposing Person or any of its affiliates or associates (as such terms are defined in Rule&#160;12b-2 promulgated under the Exchange Act), including any shares of any class or series of capital stock of the Corporation as to which such Proposing Person or any of its affiliates or associates has a right to acquire beneficial ownership at any time in the future, (B)&#160;any proxy (other than a revocable proxy given in response to a public proxy solicitation made pursuant to, and in accordance with, the Exchange Act), agreement, arrangement, understanding or relationship pursuant to which such Proposing Person has or shares a right to, directly or indirectly, vote any shares of any class or series of capital stock of the Corporation, (C)&#160;any rights to dividends or other distributions on the shares of any class or series of capital stock of the Corporation, directly or indirectly, owned beneficially by such&#160;Proposing Person that are separated or separable from the underlying shares of the Corporation, and (D)&#160;any performance-related fees (other than an asset based fee) that such Proposing Person, directly or indirectly, is entitled to based on any increase or decrease in the value of shares of any class or series&#160;of capital stock of the Corporation (the disclosures to be made pursuant to the foregoing clauses&#160;(A)&#160;through (D)&#160;are referred to, collectively, as &#8220;Material Ownership Interests&#8221;); </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">a description of the material terms of all agreements, arrangements or understandings (whether or not in writing) entered into by any Proposing Person or any of its affiliates or associates with any other person for the purpose of acquiring, holding, disposing or voting of any shares of any class or series of capital stock of the Corporation; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(A) a description of all agreements, arrangements or understandings by and among any of the Proposing Persons, or by and among any Proposing Persons and any other person, pertaining to the other business proposed to be brought before the meeting of stockholders (which description shall identify the name of each other person who is party to such an agreement, arrangement or understanding), and (B)&#160;identification of the names and addresses of other stockholders (including beneficial owners) known by any of the Proposing Persons to support such other business proposal(s), and to the extent known the class and number of all shares of the Corporation&#8217;s capital stock owned beneficially or of record by such other stockholder(s) or other beneficial owner(s); and </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">a statement whether or not the stockholder giving the notice and/or the other Proposing Person(s), if any, will deliver a proxy statement and form of proxy to holders of, in the case of a business proposal, at least the&#160;percentage of voting power of all of the shares of capital stock of the Corporation required under applicable law to approve the proposal (such statement, the &#8220;New Business Solicitation Statement&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of this Section&#160;6(b) and Section&#160;6(c) below, the term &#8220;Proposing Person&#8221; shall mean the following persons: (i)&#160;the stockholder of record providing the notice of nominations or business proposed to be brought before a stockholders&#8217; meeting, and (ii)&#160;the beneficial owner(s), if different, on whose behalf the nominations or business proposed to be brought before a stockholders&#8217; meeting is made. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Notwithstanding anything in these Bylaws to the contrary, no business shall be brought before or conducted at an annual meeting except in accordance with the provisions of this Section&#160;6(b) or in accordance with Rule&#160;14a-8 under the Exchange Act (or any successor provision thereto). The officer of the Corporation or other person presiding over the annual meeting shall, if the facts so warrant, determine and declare to the meeting that business was not properly brought before the meeting in accordance with the provisions of </font>
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          <font style="letter-spacing:0.2pt;">A-89</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">this Section&#160;6(b) and, if he should so determine, he shall so declare to the meeting and any such business so determined to be not properly brought before the meeting shall not be transacted. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">At any special meeting of the stockholders, only such business shall be conducted as shall have been brought before the meeting by or at the direction of the Board of Directors. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">4.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;6(c) of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Only persons who are nominated in accordance with the procedures and qualifications set forth in these Bylaws shall be eligible for election as Directors. Nominations of persons for election to the Board of Directors of the Corporation may be made at a meeting of stockholders at which directors are to be elected only (x)&#160;by or at the direction of the Board of Directors or (y)&#160;by any stockholder of the Corporation entitled to vote for the election of Directors at the meeting, who is present (in person or by proxy) at the meeting and who complies with the notice procedures set forth in this Section&#160;6(c) as to such nomination. For nominations to be properly brought before an annual meeting by a stockholder pursuant to this Section&#160;6(c), (1)&#160;the stockholder must have given Timely Notice thereof in writing to the Secretary of the Corporation, (2)&#160;the stockholder must have provided updates or supplements to such Timely Notice at the times and in the forms required by Section&#160;6(d) and (3)&#160;together with the beneficial owner(s), if any, on whose behalf the nomination is made, the stockholder must have acted in accordance with the representations set forth in the Nomination Solicitation Statement (as defined below) required by this Bylaw. A stockholder&#8217;s Timely Notice to the Secretary shall set forth: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">as to each person whom the stockholder proposes to nominate for election or reelection as a director, all information relating to such person that is required to be disclosed in solicitations of proxies for election of directors in an election contest, or is otherwise required, in each case pursuant to Regulation&#160;14A under the Exchange Act (including such person&#8217;s written consent to being named in the proxy statement as a nominee and to serving as a director if elected); </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">the name and address of the stockholder giving the notice, as they appear on the Corporation&#8217;s books, and the names and addresses of the other Proposing Persons (if any); </font>
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        <div style="margin-left:40pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">as to each Proposing Person, any Material Ownership Interests; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">a description of the material terms of all agreements, arrangements or understandings (whether or not in writing) entered into by any Proposing Person or any of its affiliates or associates with any other person for the purpose of acquiring, holding, disposing or voting of any shares of any class or series of capital stock of the Corporation; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(A) a description of all agreements, arrangements or understandings by and among any of the Proposing Persons, or by and among any Proposing Persons and any other person (including with any proposed nominee(s)), pertaining to the nomination(s) proposed to be brought before the meeting of stockholders (which description shall identify the name of each other person who is party to such an agreement, arrangement or understanding), and (B)&#160;identification of the names and addresses of other stockholders (including beneficial owners) known by any of the Proposing Persons to support such nomination(s), and to the extent known the class and number of all shares of the Corporation&#8217;s capital stock owned beneficially or of record by such other stockholder(s) or other beneficial owner(s); and </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">a statement whether or not the stockholder giving the notice and/or the other Proposing Person(s), if any, will deliver a proxy statement and form of proxy to holders of at least the&#160;percentage of voting power of all of the shares of capital stock of the Corporation reasonably believed by such Proposing Person to be sufficient to elect the nominee or nominees proposed to be nominated by such stockholder (such statement, the &#8220;Nomination Solicitation Statement&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">No person shall be eligible for election as a Director of the Corporation unless nominated in accordance with the provisions of this Section&#160;6(c). The officer of the Corporation or other person presiding at the meeting shall, if the facts so warrant, determine that a nomination was not made in accordance with such provisions and, if he or she shall so determine, he or she shall so declare to the meeting and the defective nomination shall be disregarded. </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">5.&nbsp;&nbsp;&nbsp;A new Article&#160;IX in is hereby inserted in its entirety: </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE IX</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">CERTAIN GOVERNANCE MATTERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Interpretations; Definitions.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The provisions of this Article&#160;IX shall apply notwithstanding anything to the contrary set forth in these Bylaws. In the event of any inconsistency between any provision of this Article&#160;IX and any other provision of these Bylaws, such provision of this Article&#160;IX shall control. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The following definitions shall apply to this Article&#160;IX and otherwise as applicable in these Bylaws: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;Effective Date&#8221; shall mean the effective date of the merger of the Brookline Bancorp, Inc. with and into the Corporation. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;Specified Period&#8221; shall mean the period beginning on the Effective Date and ending on the two-year anniversary of the Effective Date. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Chairman of the Board.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">David M. Brunelle shall serve as the Chairman of the Board during the Specified Period (assuming Mr.&#160;Brunelle is elected for a second term following the Effective Date). </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certain Executive Officers.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Paul A. Perrault shall serve as President and Chief Executive Officer of the Corporation effective as of the Effective Date. </font>
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          <font style="letter-spacing:0.2pt;">Carl M. Carlson shall serve as the Chief Financial and Strategy Officer of the Corporation effective as of the Effective Date. </font>
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          <font style="letter-spacing:0.2pt;">Sean A. Gray shall serve as the Chief Operations Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Michael W. McCurdy shall serve as the Chief Banking Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Mark Meiklejohn shall serve as the Chief Credit Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Board Actions.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">During the Specified Period, the affirmative vote of at least two-thirds of the members of the Board of Directors shall be required to: </font>
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          <font style="letter-spacing:0.2pt;">remove Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;Gray, Mr.&#160;McCurdy or Mr.&#160;Meiklejohn from their respective offices; and </font>
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        <div style="text-indent:40pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">approve any merger or consolidation of the Corporation with and into any other corporation. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Amendment.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">During the Specified Period, the provisions of this Article&#160;IX shall not be modified, amended or repealed and any Bylaws provision inconsistent with such provisions may be adopted, except upon the affirmative vote of at least two-thirds of the members of the Board of Directors. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:-0.2pt;">Exhibit&#160;C</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Form of Bank Merger Agreement </font>
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          <font style="letter-spacing:-0.2pt;">AGREEMENT AND PLAN OF BANK MERGER</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">THIS AGREEMENT AND PLAN OF BANK MERGER, dated as of [&#8226;] (this &#8220;Agreement&#8221;), is by and among Brookline Bank (&#8220;Brookline Bank&#8221;), a Massachusetts-chartered trust company; Bank Rhode Island (&#8220;BankRI&#8221;), a Rhode Island-chartered bank; PCSB Bank (&#8220;PCSB&#8221;), a New York-chartered bank; and Berkshire Bank, a Massachusetts-chartered trust company. Brookline Bank, BankRI, and PCSB are referred to collectively as the BRKL Banks, and together with Berkshire Bank, are referred to as the Banks in this Agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the BRKL Banks are each wholly owned subsidiaries of Brookline Bancorp, Inc., a Delaware corporation (&#8220;Brookline&#8221;); </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, Berkshire Bank is the wholly owned subsidiary of Berkshire Hills Bancorp, Inc., a Delaware corporation (&#8220;Berkshire&#8221;); </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, pursuant to an Agreement and Plan of Merger (the &#8220;Holdco Merger Agreement&#8221;) dated as of December&#160;16, 2024, by and among Brookline, Berkshire, and Commerce Acquisition Sub, Inc., Commerce Acquisition Sub, Inc. will be merged into Brookline, with Brookline as the surviving corporation, and immediately thereafter Brookline will be merged with and into Berkshire with Berkshire as the surviving corporation (the &#8220;Merger&#8221;); </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the Holdco Merger Agreement provides that the parties intend to cause the merger of BankRI, PCSB, and Berkshire Bank with and into Brookline Bank with Brookline Bank as the surviving bank (the &#8220;Bank Mergers&#8221;); </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, it is anticipated that the Bank Mergers will occur immediately after the transactions contemplated by the Holdco Merger Agreement; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, pursuant to Rhode Island General Laws Section&#160;19-7-3, a Rhode Island-chartered bank such as BankRI may merge with a Massachusetts-chartered bank such as Brookline Bank; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, pursuant to Section&#160;600 of the New York Consolidated Laws, Banking Law, a New York-chartered bank such as PCSB may merge with a Massachusetts-chartered bank such as Brookline Bank. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the board of directors of each of the Banks has unanimously approved this Agreement and determined that the Bank Mergers, under and pursuant to the terms and conditions set forth herein, is in the best interests of each of the BRKL Banks and Berkshire Bank, and the Banks as a whole; </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, this Agreement has been approved by the unanimous written consent of the sole shareholders of the BRKL Banks and Berkshire Bank, respectively; and </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">WHEREAS, the Bank Mergers must be approved by the Massachusetts Commissioner of Banks (the &#8220;Commissioner&#8221;), the Rhode Island Department of Business Regulation, Division of Banking (&#8220;RIDOB&#8221;), the New York Department of Financial Services (the &#8220;NYDFS&#8221;), and the Board of Governors of the Federal Reserve System (the &#8220;FRB&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein and in the Holdco Merger Agreement and for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Banks agree as follows: </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE I</font>
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          <font style="letter-spacing:-0.2pt;">THE BANK MERGERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">The Bank Mergers</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The constituent corporations to the Bank Mergers shall be the Banks. Subject to the terms and conditions set forth in Holdco Merger Agreement and the terms and conditions of this Agreement, in accordance with Massachusetts General Laws, chapter 167I, Section&#160;7, at the Effective Time (as defined in Section&#160;1.02 below), BankRI, PCSB, and Berkshire Bank shall merge with and into Brookline Bank. Brookline Bank shall be the surviving bank (the &#8220;Resulting Bank&#8221;) of the Bank Mergers and shall continue its corporate existence as a Massachusetts-chartered bank under the Massachusetts General </font>
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          <font style="letter-spacing:0.2pt;">A-93</font>
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          <font style="letter-spacing:0.2pt;">Laws following consummation of the Bank Mergers. Upon consummation of the Bank Mergers, the separate corporate existence of each of BankRI, PCSB, and Berkshire Bank shall cease. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effective Time</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Bank Mergers shall become effective upon the filing of the Articles of Merger with the Secretary of State of the Commonwealth of Massachusetts at either the time of such filing or such other time as may be specified in the Articles of Merger (the &#8220;Effective Time&#8221;). </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Effects of the Bank Mergers</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Effective Time, the Bank Mergers shall have the effects provided in this Agreement and set forth in the applicable provisions of the Massachusetts General Laws. At the Effective Time all of the respective property, rights, privileges, powers and franchises of the Banks shall vest in the Resulting Bank, and all of the respective debts, liabilities, obligations, restrictions, disabilities and duties of the Banks shall become the debts, liabilities, obligations, restrictions, disabilities and duties of the Resulting Bank. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Articles of Organization</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Effective Time, the Articles of Organization of Brookline Bank, as in effect immediately prior to the Effective Time, shall be the Articles of Organization of the Resulting Bank, until thereafter amended in accordance with applicable law and such Articles of Organization. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Bylaws</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Effective Time, the Bylaws of Brookline Bank, as in effect immediately prior to the Effective Time, shall be the Bylaws of the Resulting Bank, except as such Bylaws may be amended in accordance with applicable law and such Bylaws. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Name</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Effective Time, the name of the Resulting Bank shall be &#8220;Brookline Bank.&#8221; </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Authorized Capital Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The authorized capital stock of the Resulting Bank and the number of shares into which it shall be divided shall be such shares of capital stock authorized to be issued by the Articles of Organization of Brookline Bank, and the par value of such shares shall be the par value of shares of capital stock authorized to be issued by the Articles of Organization of Brookline Bank, as such Articles of Organization are in effect immediately prior to the Effective Time, until thereafter modified in accordance with applicable law and such Articles of Organization. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Directors and Officers</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At the Effective Time, the initial directors and officers of the Resulting Bank shall be the directors and officers of Brookline Bank immediately prior to the Effective Time, except as noted on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Schedule&#160;A</font><font style="letter-spacing:0.2pt;"> (as such Schedule may be modified as of the Effective Time), and the additional directors and officers set forth on </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Schedule&#160;A</font><font style="letter-spacing:0.2pt;"> (as such Schedule may be modified as of the Effective Time), each to hold office in accordance with the Articles of Organization and Bylaws of the Resulting Bank until their respective successors are duly elected or appointed and qualified. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Main Office</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;At and after the Effective Time, the main office of the Resulting Bank shall be located at 131 Clarendon Street, Boston, MA 02116. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Tax Treatment</font><font style="font-weight:bold;letter-spacing:-0.2pt;">.</font><font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;The parties hereto intend that the Bank Mergers shall qualify as a &#8220;reorganization&#8221; under Section&#160;368(a) of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), and the rules and regulations thereunder, and this Agreement shall constitute a &#8220;plan of reorganization&#8221; for the purposes of Sections&#160;354 and 361 of the Code. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE II</font>
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          <font style="letter-spacing:-0.2pt;">CANCELLATION OF SHARES</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">BankRI Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each share of common stock, par value $1.00 per share, of BankRI issued and outstanding immediately prior to the Effective Time shall, by virtue of the Bank Mergers and without any action on the part of the holder thereof, be canceled. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">PCSB Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each share of common stock, par value $1.00 per share, of PCSB issued and outstanding immediately prior to the Effective Time shall, by virtue of the Bank Mergers and without any action on the part of the holder thereof, be canceled. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Bank Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each share of common stock, par value $1.00 per share, of Berkshire Bank issued and outstanding immediately prior to the Effective Time shall, by virtue of the Bank Mergers and without any action on the part of the holder thereof, be canceled. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE III</font>
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          <font style="letter-spacing:-0.2pt;">REPRESENTATIONS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Each of the Banks represents that this Agreement has been duly authorized, executed and delivered by such party and constitutes a legal, valid and binding obligation of such party, enforceable against it in accordance with the terms of this Agreement. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE IV</font>
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          <font style="letter-spacing:-0.2pt;">CONDITIONS TO CLOSING</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Consummation of the Bank Mergers is conditioned upon the satisfaction of all conditions set forth below: </font>
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          <font style="letter-spacing:0.2pt;">that the Merger shall have been consummated in accordance with the terms of the Holdco Merger Agreement; and </font>
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          <font style="letter-spacing:0.2pt;">that all necessary approvals, authorizations, and consents of any governmental entity, department, commission, board, agency, regulatory authority, or instrumentality, in each case, of competent jurisdiction, whether federal, state, or local, and whether domestic or foreign (a &#8220;Government Entity&#8221;), required to consummate the Bank Mergers, including, but not limited to, approvals required from the Commissioner, the RIDOB, the NYDFS, and the FRB, shall have been obtained and remain in full force and effect, and all waiting periods, if any, relating to such approvals, authorizations, and consents shall have been expired or been terminated. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE V</font>
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          <font style="letter-spacing:-0.2pt;">TERMINATION AND AMENDMENT</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">This Agreement may be terminated at any time prior to the Effective Time by an instrument executed by each of the parties hereto. This Agreement will terminate automatically without any action by the parties hereto upon the termination of the Holdco Merger Agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Amendment</font><font style="font-style:italic;letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;</font><font style="letter-spacing:0.2pt;">This Agreement may be amended by an instrument in writing signed on behalf of each of the parties hereto. </font>
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          <font style="letter-spacing:-0.2pt;">ARTICLE VI</font>
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          <font style="letter-spacing:-0.2pt;">MISCELLANEOUS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Counterparts</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement may be executed in counterparts, all of which together shall constitute one agreement binding on all of the parties, notwithstanding that all such parties are not signatories to the original or the same counterpart. Each party shall become bound by this Agreement immediately upon affixing its signature to this Agreement. Execution and delivery of this Agreement by facsimile or electronic communication shall be legal, valid and binding execution and delivery for all purposes. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Applicable Law; Choice of Forum</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement shall be construed and enforced in accordance with and governed by the laws of the Commonwealth of Massachusetts, without regard to the principles of conflicts of law. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Severability</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision of this Agreement is held to be prohibited by or invalid under applicable law, then such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Entire Agreement</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;This Agreement contains the entire understanding and agreement among the parties with respect to the subject matter of this Agreement and supersedes any other prior written or oral understandings or agreements among the parties with respect to its subject matter. </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">[</font><font style="font-style:italic;letter-spacing:0.2pt;">Remainder of page intentionally left blank.</font><font style="letter-spacing:0.2pt;">] </font>
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          <font style="letter-spacing:0.2pt;">A-95</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">IN WITNESS WHEREOF, the Banks have each caused this Agreement to be executed under seal by their duly authorized officers as of the date first set forth above. </font>
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          <font style="letter-spacing:-0.2pt;">BROOKLINE BANK</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">By:</font>
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          <font style="letter-spacing:0.2pt;">Name: </font>
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          <font style="letter-spacing:-0.2pt;">BANK RHODE ISLAND</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">By:</font>
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          <font style="letter-spacing:0.2pt;">Name: </font>
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          <font style="letter-spacing:-0.2pt;">PCSB BANK</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">By:</font>
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          <font style="letter-spacing:0.2pt;">Name: </font>
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          <font style="letter-spacing:-0.2pt;">BERKSHIRE BANK</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Name: </font>
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          <font style="letter-spacing:0.2pt;">A-96</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tANB">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">ANNEX B</font>&#8203;</div>
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          <img src="lg_raymondjames-4clr.jpg" alt="[MISSING IMAGE: lg_raymondjames-4clr.jpg]" height="23" width="261" >
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          <font style="letter-spacing:0.2pt;">December&#160;16, 2024 </font>
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          <font style="letter-spacing:0.2pt;">Board of Directors </font> <br ><font style="letter-spacing:0.2pt;">Berkshire Hills Bancorp, Inc. </font> <br ><font style="letter-spacing:0.2pt;">60 State Street </font> <br ><font style="letter-spacing:0.2pt;">Boston, MA 02109 </font></div>
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          <font style="letter-spacing:0.2pt;">Members of the Board of Directors: </font>
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          <font style="letter-spacing:0.2pt;">We understand that Brookline Bancorp, Inc. (&#8220;Brookline&#8221;) and Berkshire Hills Bancorp, Inc. (the &#8220;Company&#8221; or &#8220;Berkshire&#8221;), propose to enter into the Agreement (defined below) pursuant to which, among other things, Brookline will be merged with and into Berkshire (the &#8220;Merger&#8221;), with Berkshire as the surviving corporation and that, in connection with the Merger, each share of issued and outstanding common stock, par value $0.01, of Brookline (the &#8220;Brookline Common Stock&#8221;), except for the Excluded Shares (defined below), will be converted into the right to receive 0.42 shares (the &#8220;Exchange Ratio&#8221;) of Company common stock, par value of $0.01 (the &#8220;Company Common Stock&#8221;). &#8220;Excluded Shares&#8221; shall mean each share of Brookline Common Stock held as treasury stock or owned by Brookline or Berkshire (in each case other than shares of Brookline Common Stock (i)&#160;held in trust accounts, managed accounts, mutual funds and the like, or otherwise held in a fiduciary or agency capacity that are beneficially owned by third parties or (ii)&#160;held, directly or indirectly, by Brookline or Berkshire in respect to debts previously contracted). The Board of Directors of the Company (the &#8220;Board&#8221;) has requested that Raymond James &amp; Associates, Inc. (&#8220;Raymond James&#8221;) provide an opinion (the &#8220;Opinion&#8221;) to the Board as to whether, as of the date hereof, the Exchange Ratio is fair from a financial point of view to the Company. For purposes of this Opinion, and with your consent, we have assumed that as of the date of this Opinion there are approximately 90.0&#160;million shares of Brookline Common Stock issued and outstanding (including unvested restricted stock awards), approximately 43.2&#160;million shares of Company Common Stock issued and outstanding (including unvested restricted stock awards and shares reserved for unvested restricted stock unit awards) and 44,400 Company stock options outstanding with a weighted average strike price of $26.65. </font>
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          <font style="letter-spacing:0.2pt;">In connection with our review of the proposed Merger and the preparation of this Opinion, we have, among other things: </font>
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          <font style="letter-spacing:0.2pt;">1.</font>
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          <font style="letter-spacing:0.2pt;">reviewed the financial terms and conditions as stated in a draft of the Agreement and Plan of Merger, dated as of December&#160;14, 2024, by and among Berkshire and Brookline (the &#8220;Agreement&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">2.</font>
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          <font style="letter-spacing:0.2pt;">reviewed certain information related to the historical financial condition and prospects of the Company and Brookline, as made available to Raymond James by or on behalf of the Company, including, but not limited to, (a)&#160;financial projections for each of the Company and Brookline that were prepared using consensus analyst estimates for the&#160;years 2024, 2025 and 2026 with further&#160;years extrapolated based on appropriate growth rates, which estimates were reviewed and approved for our use by the management of the Company (the &#8220;Projections&#8221;) and (b)&#160;certain forecasts and estimates of the amount and timing of potential cost savings, operating efficiencies, revenue effects, and pro&#160;forma financial adjustments expected to result from the Merger, as prepared by the management of Brookline and reviewed and approved for our use by the management of the Company (the &#8220;Pro Forma Financial Adjustments&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">3.</font>
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          <font style="letter-spacing:0.2pt;">reviewed the Company&#8217;s and Brookline&#8217;s audited financial statements for the&#160;years ended December&#160;31, 2021, December&#160;31, 2022 and December&#160;31, 2023 and unaudited financial statements for the three month period ended March&#160;31, 2024, three and six month periods ended June&#160;30, 2024 and three and nine month periods ended September&#160;30, 2024; </font>
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          <font style="letter-spacing:0.2pt;">4.</font>
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          <font style="letter-spacing:0.2pt;">reviewed certain of the Company&#8217;s and Brookline&#8217;s recent public filings and certain other publicly available information regarding the Company and Brookline that we deemed to be relevant; </font>
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          <font style="letter-spacing:0.2pt;">B-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">5.</font>
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          <font style="letter-spacing:0.2pt;">reviewed the financial and operating performance of the Company and Brookline and those of other selected public companies that we deemed to be relevant; </font>
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          <font style="letter-spacing:0.2pt;">6.</font>
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          <font style="letter-spacing:0.2pt;">reviewed the current and historical market prices for shares of Company Common Stock and shares of Brookline Common Stock, and the current market prices of the publicly traded securities of certain other companies that we deemed to be relevant; </font>
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          <font style="letter-spacing:0.2pt;">7.</font>
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          <font style="letter-spacing:0.2pt;">compared the relative contributions of the Company and Brookline to certain historical and projected financial statistics of the combined company on a pro&#160;forma basis; </font>
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          <font style="letter-spacing:0.2pt;">8.</font>
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          <font style="letter-spacing:0.2pt;">reviewed certain potential pro&#160;forma financial effects of the Merger on earnings per share, capitalization and financial ratios of the Company, as well as certain balance sheet assumptions, including the offer and sale by the Company of approximately $100&#160;million of Company Common Stock to support the Merger, as provided by management of the Company (the &#8220;Offering&#8221;); </font>
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          <font style="letter-spacing:0.2pt;">9.</font>
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          <font style="letter-spacing:0.2pt;">conducted such other financial studies, analyses and inquiries and considered such other information and factors as we deemed appropriate; </font>
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          <font style="letter-spacing:0.2pt;">10.</font>
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          <font style="letter-spacing:0.2pt;">received a certificate addressed to Raymond James from the Chief Financial Officer of the Company regarding, among other things, the accuracy of the information, data and other materials (financial or otherwise) of the Company and Brookline provided to, or discussed with, Raymond James by or on behalf of the Company; and </font>
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          <font style="letter-spacing:0.2pt;">11.</font>
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          <font style="letter-spacing:0.2pt;">discussed with members of the senior management of the Company certain information relating to the aforementioned and any other matters which we have deemed relevant to our inquiry including, but not limited to, the past and current business operations of the Company and Brookline and the financial condition and future prospects and operations of the Company and Brookline, respectively. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">With your consent, we have assumed and relied upon the accuracy and completeness of all information supplied by or on behalf of the Company or Brookline or otherwise reviewed by or discussed with us, and we have undertaken no duty or responsibility to, nor did we, independently verify any of such information. Furthermore, we have undertaken no independent analysis of any potential or actual litigation, regulatory action, possible unasserted claims or other contingent liabilities, to which the Company or Brookline is a party or may be subject, or of any governmental investigation of any possible unasserted claims or other contingent liabilities to which the Company or Brookline is a party or may be subject. With your consent, this Opinion makes no assumption concerning, and therefore does not consider, the potential effects of any such litigation, claims or investigations or possible assertions. We are not experts in generally accepted accounting principles in the United States (GAAP) in general and also specifically regarding the evaluation of loan and lease portfolios for purposes of assessing the adequacy of the allowance for credit losses or any other reserves. We have not independently verified such allowance for credit losses or reviewed or examined any individual loan or credit files. We have assumed, with your consent, that the allowance for credit losses (i)&#160;set forth in the financial statements of the Company and Brookline are adequate to cover such losses, (ii)&#160;will be adequate on a pro&#160;forma basis for the combined entity and (iii)&#160;comply fully with applicable law, regulatory policy and sound banking practices as of the date of such financial statements. We have not made or obtained an independent appraisal of the assets or liabilities (contingent or otherwise) of the Company or Brookline. </font>
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          <font style="letter-spacing:0.2pt;">With respect to the Projections, Pro Forma Financial Adjustments and any other information and data provided to or otherwise reviewed by or discussed with us, we have, with your consent, assumed that the Projections, Pro Forma Financial Adjustments and such other information and data have been reasonably prepared in good faith on bases reflecting (or, in the case of the Projections, with respect to 2024, 2025 and 2026, which were prepared using consensus analyst estimates for the&#160;years 2024, 2025 and 2026, are consistent with) the best currently available estimates and judgments of the management of each of the Company and Brookline, and we have relied upon the Company to advise us promptly if any information previously provided became inaccurate or was required to be updated during the period of our review. We express no opinion with respect to the Projections, Pro Forma Financial Adjustments or the assumptions on which they are based. We have assumed that the final form of the Agreement will be substantially similar </font>
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          <font style="letter-spacing:0.2pt;">to the draft reviewed by us, and that the Merger will be consummated in accordance with the terms of the Agreement without waiver or amendment of any conditions thereto. In addition, we have assumed that the Offering will occur on the terms and in the time frame described by management of the Company. Furthermore, we have assumed, in all respects material to our analysis, that the representations and warranties of each party contained in the Agreement are true and correct and that each such party will perform all of the covenants and agreements required to be performed by it under the Agreement without being waived. We have relied upon and assumed, without independent verification, that (i)&#160;the Merger will be consummated in a manner that complies in all respects with all applicable federal and state statutes, rules and regulations, and (ii)&#160;all governmental, regulatory, and other consents and approvals necessary for the consummation of the Merger will be obtained and that no delay, limitations, restrictions or conditions will be imposed or amendments, modifications or waivers made that would have an effect on the Merger, Brookline or the Company that would be material to our analyses or this Opinion. </font>
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          <font style="letter-spacing:0.2pt;">As contemplated by the Agreement, we have assumed that the Merger will qualify as a &#8220;reorganization&#8221; under the provisions of Section&#160;368(a) of the Internal Revenue Code of 1986, as amended, and the regulations and formal guidance issued thereunder. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Our opinion is based upon market, economic, financial and other circumstances and conditions existing and disclosed to us as of December&#160;13, 2024, and any material change in such circumstances and conditions would require a reevaluation of this Opinion, which we are under no obligation to undertake. We have relied upon and assumed, without independent verification, that there has been no change in the business, assets, liabilities, financial condition, results of operations, cash flows or prospects of the Company or Brookline since the respective dates of the most recent financial statements and other information, financial or otherwise, provided to us that would be material to our analyses or this Opinion, and that there is no information or any facts that would make any of the information reviewed by us incomplete or misleading in any material respect. </font>
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          <font style="letter-spacing:0.2pt;">As the Board is aware, the credit, financial and stock markets have been experiencing, and do experience, volatility from time to time, and Raymond James expresses no opinion or view as to any potential effects of such volatility on the Merger, Brookline or the Company. This Opinion does not purport to address potential developments in any such credit, financial and stock markets on the Exchange Ratio after the date hereof. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We express no opinion as to the underlying business decision to effect the Merger, the structure or tax consequences of the Merger or the availability or advisability of any alternatives to the Merger. We provided advice to the Company with respect to the proposed Merger. We did not, however, recommend any specific amount of consideration or that any specific consideration constituted the only appropriate consideration for the Merger. We did not solicit indications of interest with respect to a transaction involving the Company nor did we advise the Company with respect to its strategic alternatives. This letter does not express any opinion as to the likely trading range of the shares of Company Common Stock or Brookline Common Stock following the announcement or consummation of the Merger, which may vary depending on numerous factors that generally impact the price of securities or on the financial condition of the Company or Brookline at that time. Our opinion is limited to the fairness, from a financial point of view, to the Company, of the Exchange Ratio. </font>
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          <font style="letter-spacing:0.2pt;">We express no opinion with respect to any other reasons, legal, business, or otherwise, that may support the decision of the Board to approve or consummate the Merger. Furthermore, no opinion, counsel or interpretation is intended by Raymond James on matters that require legal, accounting or tax advice. It is assumed that such opinions, counsel or interpretations have been or will be obtained from the appropriate professional sources. Furthermore, we have relied, with the consent of the Company, on the fact that the Company has been assisted by legal, accounting and tax advisors and we have, with the consent of the Company, relied upon and assumed the accuracy and completeness of the assessments by the Company and its advisors as to all legal, accounting and tax matters with respect to the Company, Brookline and the Merger, including, without limitation, that the Merger will qualify as a reorganization within the meaning of Section&#160;368(a) of the Internal Revenue Code of 1986, as amended. </font>
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          <font style="letter-spacing:0.2pt;">In formulating our opinion, we have considered only what we understand to be the Exchange Ratio to be paid by the Company as is described above and we did not consider and we express no opinion on the </font>
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          <font style="letter-spacing:0.2pt;">fairness of the amount or nature of any compensation to be paid or payable to any person or entity (including any of the Company&#8217;s or Brookline&#8217;s officers, directors or employees) or class of any persons and/or entities, whether relative to the consideration to be paid by the Company or otherwise. We have not been requested to opine as to, and this Opinion does not express an opinion as to or otherwise address, among other things: (i)&#160;the fairness of the Merger to the holders of any class of securities, creditors, or other constituencies of the Company or Brookline, or to any other party, except and only to the extent expressly set forth in the last sentence of this Opinion or (ii)&#160;the fairness of the Merger to any one class or group of the Company&#8217;s, Brookline&#8217;s or any other party&#8217;s security holders or other constituencies vis-&#224;-vis any other class or group of the Company&#8217;s, Brookline&#8217;s or such other party&#8217;s security holders or other constituents (including, without limitation, the allocation of any consideration to be received in the Merger amongst or within such classes or groups of security holders or other constituents). We are not expressing any opinion as to the impact of the Merger on the solvency or viability of the Company or Brookline or the ability of the Company or Brookline to pay their respective obligations when they come due. We have undertaken no independent analysis of the Company&#8217;s anticipated funding sources for the Merger, whether cash, debt, or a combination thereof. With your consent, this Opinion makes no assumption concerning, and therefor does not consider, the potential effects of any funding sources on the Merger, other than the Offering. </font>
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          <font style="letter-spacing:0.2pt;">The delivery of this opinion was approved by an opinion committee of Raymond James. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Raymond James has been engaged to render financial advisory services to the Company in connection with the proposed Merger and will receive a fee for such services, a substantial portion of which is contingent upon consummation of the Merger. Raymond James will also receive a fee upon the delivery of this Opinion, which is not contingent upon the successful completion of the Merger or on the conclusion reached herein. Raymond James has also been engaged to serve as placement agent to the Company in the Offering, a private placement of common equity. Lastly, the Company has agreed to reimburse certain of our expenses and to indemnify us against certain liabilities arising out of our engagement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In the ordinary course of our business, Raymond James may trade in the securities of the Company and Brookline for our own account or for the accounts of our customers and, accordingly, may at any time hold a long or short position in such securities. In the two&#160;years preceding the date of this Opinion, Raymond James has engaged in certain fixed income trading activity with Berkshire Bank, a subsidiary of the Company, for which it has earned income. Furthermore, Raymond James may provide investment banking, financial advisory and other financial services to the Company and/or Brookline or other participants in the Merger in the future, for which Raymond James may receive compensation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">It is understood that this letter is solely for the information of the Board of Directors of the Company (solely in each director&#8217;s capacity as such) in evaluating the proposed Merger and does not constitute a recommendation to the Board of Directors or any shareholder of the Company or Brookline regarding how said shareholder should act or vote with respect to the proposed Merger or any other matter. Furthermore, this letter should not be construed as creating any fiduciary duty on the part of Raymond James to any such party. This Opinion may not be disclosed, reproduced, quoted, summarized, referred to at any time, in any manner, or used for any other purpose, nor shall any references to Raymond James or any of its affiliates be made, without our prior written consent, except that this Opinion may be disclosed in and filed with a proxy statement/prospectus used in connection with the Merger that is required to be filed with the Securities and Exchange Commission, provided that this Opinion is quoted in full in such proxy statement/</font>&#8203;<font style="letter-spacing:0.2pt;">prospectus. </font></div>
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          <font style="letter-spacing:0.2pt;">Based upon and subject to the foregoing, it is our opinion that, as of the date hereof, the Exchange Ratio is fair, from a financial point of view, to the Company. </font>
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          <font style="letter-spacing:0.2pt;">Very truly yours, </font>
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          <font style="letter-spacing:0.2pt;">RAYMOND JAMES &amp; ASSOCIATES, INC. </font>
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          <font style="letter-spacing:0.2pt;">B-4</font>
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          <font style="letter-spacing:-0.2pt;">ANNEX C</font>&#8203;</div>
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          <font style="letter-spacing:0.2pt;">December&#160;15, 2024</font>&#8203;</div>
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          <font style="letter-spacing:0.2pt;">Board of Directors </font> <br ><font style="letter-spacing:0.2pt;">Brookline Bancorp, Inc. </font> <br ><font style="letter-spacing:0.2pt;">131 Clarendon Street </font> <br ><font style="letter-spacing:0.2pt;">Boston, Massachusetts 02116 </font></div>
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          <font style="letter-spacing:0.2pt;">Dear Board of Directors: </font>
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          <font style="letter-spacing:0.2pt;">Hovde Group, LLC (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">we</font><font style="letter-spacing:0.2pt;">&#8221; or &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Hovde</font><font style="letter-spacing:0.2pt;">&#8221;) understands that Berkshire Hills Bancorp, Inc., (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire</font><font style="letter-spacing:0.2pt;">&#8221;), Commerce Acquisition Sub, Inc., a direct, wholly-owned subsidiary of Berkshire (&#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger Sub</font><font style="letter-spacing:0.2pt;">&#8221;), and Brookline Bancorp, Inc., (&#8220;Brookline&#8221;) are about to enter into an Agreement and Plan of Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Agreement</font><font style="letter-spacing:0.2pt;">&#8221;) to be dated as of December&#160;15, 2024. Subject to the terms and conditions of the Agreement, at the Effective Time, Merger Sub will merge with and into Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger</font><font style="letter-spacing:0.2pt;">&#8221;), so that Brookline is the surviving corporation (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Interim Surviving Corporation</font><font style="letter-spacing:0.2pt;">&#8221;) in the Merger, and, immediately following the Merger and as part of a single integrated transaction for purposes of the Internal Revenue Code of 1986, as amended (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Code</font><font style="letter-spacing:0.2pt;">&#8221;), the Interim Surviving Corporation will, subject to the terms and conditions set forth in the Agreement, merge with and into Berkshire (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Holdco Merger</font><font style="letter-spacing:0.2pt;">&#8221;), so that Berkshire is the surviving corporation in the Holdco Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Surviving Corporation</font><font style="letter-spacing:0.2pt;">&#8221;). It is intended that the Merger and the Holdco Merger, taken together, shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code, and the Agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections&#160;354 and 361 of the Code. </font>
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          <font style="letter-spacing:0.2pt;">Capitalized terms used herein that are not otherwise defined shall have the same meanings attributed to them in the Agreement, and all Article and Section references shall refer to Articles or Sections in the Agreement. For purposes of our analysis and opinion, the Agreement as used herein shall refer to a copy of the Execution Version of the Agreement and Plan of Merger received on December&#160;14, 2024 provided to Hovde by Brookline. </font>
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          <font style="letter-spacing:0.2pt;">Pursuant to the provisions of Section&#160;2.2(e) of the Agreement, at the Effective Time, by virtue of the Merger each share of the common stock of Brookline (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;) issued and outstanding immediately prior to the Effective Time, except for treasury shares of Brookline Common Stock or shares of Brookline Common Stock owned by Brookline or Berkshire (in each case other than shares of Brookline Common Stock (i)&#160;held in a fiduciary or agency capacity that are beneficially owned by third parties or (ii)&#160;held, directly or indirectly, by Brookline or Berkshire in respect of debts previously contracted), shall be converted into the right to receive 0.4200 of a share (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exchange Ratio</font><font style="letter-spacing:0.2pt;">&#8221; and such shares, the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger Consideration</font><font style="letter-spacing:0.2pt;">&#8221;) of the common stock of Berkshire (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Common Stock</font><font style="letter-spacing:0.2pt;">&#8221;). </font>
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          <font style="letter-spacing:0.2pt;">At the Effective Time, all outstanding time or performance-based restricted stock awards in respect of a share of Brookline Common Stock (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Brookline Restricted Stock Award</font><font style="letter-spacing:0.2pt;">&#8221;), shall automatically accelerate in full and fully vest, with any applicable performance-based vesting condition to be deemed achieved, and shall be converted into, and become exchanged for the Merger Consideration (less applicable Taxes required to be withheld, if any, due to such vesting). At the Effective Time, all outstanding restricted stock awards in respect of a share of Berkshire Common Stock under the Berkshire Stock Plans (each, a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Restricted Stock Award</font><font style="letter-spacing:0.2pt;">&#8221;), and each outstanding time or performance-based restricted stock unit award in respect of a share of Berkshire Common Stock granted under the Berkshire Stock Plans (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Restricted Stock Unit Award</font><font style="letter-spacing:0.2pt;">&#8221;), shall automatically accelerate in full and fully vest, with any applicable performance-based vesting conditions deemed to be achieved (less applicable Taxes required to be withheld, if any, due to such vesting). Additionally, at the Effective Time, all outstanding and unexercised stock options in respect of a share of Berkshire Common Stock (a &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Berkshire Stock Option</font><font style="letter-spacing:0.2pt;">&#8221;) shall automatically accelerate and fully vest, and shall remain outstanding with the same exercise price as the exercise price prior to the Effective Time. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">For purposes of our analysis and opinion and with your knowledge and consent, we have assumed that based on (i)&#160;the closing price of the Berkshire Common Stock on the NYSE as of December&#160;13, 2024 of $30.20 per share, (ii)&#160;89,980,839 fully diluted shares of Brookline Common Stock outstanding, and (iii)&#160;the Exchange Ratio of 0.4200, the value of the aggregate merger consideration is $1,141,316,962. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We note that Article&#160;VII of the Agreement sets forth certain normal and customary closing conditions, including; (i)&#160;the Requisite Berkshire Vote and the Requisite Brookline Vote shall have been obtained; (ii)&#160;the shares of Berkshire Common Stock that shall be issuable pursuant to the Agreement shall have been authorized for listing on the NYSE; (iii)&#160;all Requisite Regulatory Approvals shall have been obtained and be in full force and effect with all statutory waiting periods having expired or been terminated; (iv) the Requisite Regulatory Approvals shall not have resulted in the imposition of any Materially Burdensome Regulatory Condition; (iv)&#160;the S-4 shall have become effective under the Securities Act with no stop order suspending the effectiveness of the S-4 having been issued and no proceedings for such purpose having been initiated or threatened by the SEC and not withdrawn; and (v)&#160;Berkshire and Brookline shall each have received the opinion of their respective legal counsel, dated as of the Closing Date, to the effect that the Merger and the Holdco Merger, taken together, shall qualify as a &#8220;reorganization&#8221; within the meaning of Section&#160;368(a) of the Code. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We also note that the Merger may be terminated at any time prior to the Effective Time, whether before or after receipt of the Requisite Berkshire Vote or the Requisite Brookline Vote if any of the conditions of Article&#160;VIII of the Agreement are met which include among other conditions the following: (i) by the mutual written consent of Berkshire and Brookline; (ii)&#160;by either Berkshire or Brookline if any Governmental Entity that must grant a Requisite Regulatory Approval has denied approval of the Merger, the Holdco Merger or the Bank Merger and such denial has become final and nonappealable or any Governmental Entity shall have issued a final and nonappealable order, injunction, decree or other legal restraint or prohibition permanently enjoining or otherwise prohibiting or making illegal the consummation of the Merger, the Holdco Merger or the Bank Merger; (iii)&#160;by either Berkshire or Brookline if the Merger shall not have been consummated on or before the twelve (12) month anniversary of the date of the Agreement; (iv)&#160;by Brookline prior to such time as the Requisite Berkshire Vote is obtained, if Berkshire or the Board of Directors of Berkshire shall have made a Recommendation Change or Berkshire or the Board of Directors of Berkshire shall have breached its obligations under Section&#160;6.4 or 6.13 of the Agreement; (v)&#160;by Berkshire prior to such time as the Requisite Brookline Vote is obtained, if Brookline or the Board of Directors of Brookline shall have made a Recommendation Change or Brookline or the Board of Directors of Brookline shall have breached its obligations under Section&#160;6.4 or 6.13 of the Agreement. In the event that during the term of the Agreement, (a)&#160;either Berkshire or Brookline receive a bona fide Acquisition Proposal and thereafter the Agreement is terminated by either party pursuant to the provisions of Section&#160;8.2, then the receiving party of the Acquisition Proposal shall pay the other non- receiving party the Termination Fee of Forty Five Million Dollars ($45,000,000), or (b)&#160;either Berkshire or Brookline shall have made a Recommendation Change or shall have breached its obligations under Section 6.4 or 6.13, then the party making the Recommendation Change or having breached its obligations shall pay the other party the Termination Fee. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">With your consent and for purposes of our analysis and opinion, we have assumed that (i)&#160;all of the closing conditions set forth in the Agreement are satisfied, (ii)&#160;the Merger is not terminated pursuant to any of the provisions set forth in Article&#160;VIII of the Agreement, and (iii)&#160;the Merger will proceed and be consummated in accordance with the terms of the Agreement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">You have requested our opinion, subject to the terms, conditions, and qualifications set forth herein, that as of the date of such opinion, the Exchange Ratio in the Merger is fair from a financial point of view to the holders of Brookline Common Stock. This opinion addresses only the fairness of the Exchange Ratio, and we are not opining on any individual stock, cash, or other components of the consideration. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">During the course of our engagement and for the purposes of the opinion set forth herein, we have: </font>
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          <font style="letter-spacing:0.2pt;">(i)</font>
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        <div style=" margin-top:7.7pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed a copy of the Execution Version of the Agreement received on December&#160;13, 2024 provided to Hovde by Brookline; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(ii)</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed audited financial statements for both Brookline and Berkshire for the twelve month periods ended December&#160;31, 2022 and December&#160;31, 2023; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C-2</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:20pt; line-height:12pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(iii)</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed the unaudited financial statements for both Brookline and Berkshire for the three month period ended March&#160;31, 2024, the six month period ended June&#160;30, 2024 and the nine month period ended September&#160;30, 2024; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(iv)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed certain historical publicly available business and financial information concerning Brookline and Berkshire; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(v)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed certain internal financial statements and other financial and operating data concerning Brookline and Berkshire; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(vi)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed certain internal financial forecasts concerning Brookline and Berkshire and compared them against consensus research estimates; </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.91pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(vii)</font>
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        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">discussed with certain members of senior management of Brookline and Berkshire the business, financial condition, results of operations and future prospects of each company, the history and past and current operations of each company, and each company&#8217;s assessment of the rationale for the Merger; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(viii)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed certain publicly available financial and stock market data relating to select public companies we deemed to be relevant; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(ix)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed and analyzed materials detailing the Merger prepared by Brookline and Berkshire and their respective advisers, including the estimated amount and timing of cost savings and related expenses and purchase accounting adjustments expected to result from the Merger (the &#8220;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Merger Adjustments</font><font style="letter-spacing:0.2pt;">&#8221;); </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(x)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">analyzed the pro&#160;forma financial impact of the Merger on the combined company&#8217;s earnings, tangible book value, financial ratios, capital ratios and other such metrics we deemed relevant, giving effect to the Merger based on the assumptions relating to the Merger Adjustments; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(xi)</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">assessed current general economic, market and financial conditions; </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(xii)</font>
          <br >
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">reviewed the terms of recent mergers, to the extent publicly available, involving financial institutions and financial institution holding companies that we considered relevant; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:24pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(xiii)</font>
          <br >
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:44pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">taken into consideration our experience in other similar transactions and securities valuations as well as our knowledge of the banking and financial services industry; and </font>
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          <font style="letter-spacing:0.2pt;">(xiv)</font>
          <br >
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">performed such other analyses and considered such other factors as we have deemed appropriate. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We have assumed, without investigation, that there have been, and from the date hereof through the Closing there will be, no material changes in the financial condition and results of operations of Brookline or Berkshire since the date of the latest financial information described above. We have further assumed, without independent verification, that the representations and financial and other information included in the Agreement and all other related documents and instruments that are referred to therein or otherwise provided to us by Brookline and Berkshire are true and complete. We have relied upon the management of Brookline and Berkshire as to the reasonableness and achievability of the financial forecasts, projections and other forward-looking information provided to Hovde by Brookline and Berkshire, and we assumed such forecasts, projections and other forward-looking information have been reasonably prepared by Brookline and Berkshire on a basis reflecting the best currently available information and Brookline&#8217;s and Berkshire&#8217;s judgments and estimates. We have assumed that such forecasts, projections and other forward-looking information would be realized in the amounts and at the times contemplated thereby, and we do not assume any responsibility for the accuracy or reasonableness thereof. We have been authorized by Brookline to rely upon such forecasts, projections and other information and data, and we express no view as to any such forecasts, projections or other forward-looking information or data or the bases or assumptions on which they were prepared. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In performing our review, we have assumed and relied upon the accuracy and completeness of all the financial and other information that was available to us from public sources that was provided to us by Brookline and Berkshire or their respective representatives or that was otherwise reviewed by us for purposes </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C-3</font>
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">of rendering this opinion. We have further relied on the assurance of the management of Brookline and Berkshire that they are not aware of any facts or circumstances that would make any of such information inaccurate or misleading. We have not been asked to undertake, and have not undertaken, an independent verification of any of such information, and we do not assume any responsibility or liability for the accuracy or completeness thereof. We have assumed that each party to the Agreement would advise us promptly if any information previously provided to us became inaccurate or was required to be updated during the period of our review. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We are not experts in the evaluation of loan and lease portfolios for the purpose of assessing the adequacy of the allowances for losses with respect thereto. We have assumed that such allowances for Brookline and Berkshire (as adjusted for the assumed credit mark) are, in the aggregate, adequate to cover such losses. We were not requested to make, and have not made, an independent evaluation, physical inspection or appraisal of the assets, properties, facilities, or liabilities (contingent or otherwise) of Brookline and Berkshire, the collateral securing any such assets or liabilities, or the collectability of any such assets, and we were not furnished with any such evaluations or appraisals, nor did we review any loan or credit files of Brookline and Berkshire. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">We have undertaken no independent analysis of any pending or threatened litigation, regulatory action, possible unasserted claims or other contingent liabilities to which Brookline or Berkshire is a party or may be subject, and our opinion makes no assumption concerning, and therefore does not consider, the possible assertion of claims, outcomes or damages arising out of any such matters. We have also assumed, with your consent, that neither Brookline or Berkshire is party to any material pending transaction, including without limitation any financing, recapitalization, acquisition or merger, divestiture or spin-off, other than the Merger contemplated by the Agreement and a private placement of newly issued shares of common stock of Berkshire with an aggregate value of approximately One Hundred Million Dollars ($100,000,000) to be announced and consummated contemporaneously with the execution of the Agreement by Brookline and Berkshire. </font>
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          <font style="letter-spacing:0.2pt;">We have relied upon and assumed, with your consent and without independent verification, that the Merger will be consummated substantially in accordance with the terms set forth in the Agreement, without any waiver of material terms or conditions by Brookline, Berkshire or any other party to the Agreement and that the final Agreement will not differ materially from the draft of the Agreement we reviewed. We have assumed that the Merger will be consummated in compliance with all applicable laws and regulations. Brookline has advised us that they are not aware of any factors that would impede any necessary regulatory or governmental approval of the Merger. We have assumed that the necessary regulatory and governmental approvals as granted will not be subject to any conditions that would be unduly burdensome on Brookline or Berkshire or would have a material adverse effect on the contemplated benefits of the Merger. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Our opinion does not consider, include or address: (i)&#160;the legal, tax, accounting, or regulatory consequences of the Merger on Brookline or its shareholders; or (ii)&#160;any advice or opinions provided by any other advisor to the Board of Directors of Brookline; or (iii)&#160;any other strategic alternatives that might be available to Brookline. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Our opinion does not constitute a recommendation to Brookline as to whether or not the Brookline should enter into the Agreement or to any shareholders of Brookline as to how such shareholders should vote at any meetings of shareholders called to consider and vote upon the Merger. Our opinion does not address the underlying business decision to proceed with the Merger or the fairness of the amount or nature of the compensation, if any, to be received by any of the officers, directors or employees of Brookline relative to the value of the aggregate Merger Consideration to be paid with respect to the Merger. Our opinion should not be construed as implying that the Exchange Ratio is necessarily the highest or best exchange ratio that could be obtained in a merger or combination transaction of Brookline with Berkshire. Other than as specifically set forth herein, we are not expressing any opinion with respect to the terms and provisions of the Agreement or the enforceability of any such terms or provisions. Our opinion is not a solvency opinion and does not in any way address the solvency or financial condition of Brookline or Berkshire. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">This opinion was approved by Hovde&#8217;s fairness opinion committee. This letter is directed solely to the Board of Directors of Brookline and is not to be used for any other purpose or quoted or referred to, in whole or in part, in any registration statement, prospectus, proxy statement, or any other document, except </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">C-4</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">in each case in accordance with our prior written consent; </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">provided</font><font style="letter-spacing:0.2pt;">, </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">however</font><font style="letter-spacing:0.2pt;">, we hereby consent to the inclusion and reference to this letter in any registration statement, proxy statement or information statement to be delivered to the holders of the Brookline Common Stock in connection with the Merger if, and only if, (i)&#160;this letter is quoted in full or attached as an exhibit to such document, (ii)&#160;this letter has not been withdrawn prior to the date of such document, and (iii)&#160;any description of or reference to Hovde or the analyses performed by Hovde or any summary of this opinion in such document is in a form acceptable to Hovde and its counsel in the exercise of their reasonable judgment. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Our opinion is based solely upon the information available to us and described above, and the economic, market and other circumstances as they exist as of the date hereof. Events occurring and information that becomes available after the date hereof could materially affect the assumptions and analyses used in preparing this opinion. We have not undertaken to update, revise, reaffirm or withdraw this opinion or to otherwise comment upon events occurring or information that becomes available after the date hereof. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In arriving at this opinion, Hovde did not attribute any particular weight to any single analysis or factor considered by it, but rather made qualitative judgments as to the significance and relevance of each analysis and factor. Accordingly, Hovde believes that its analyses must be considered as a whole and that selecting portions of its analyses, without considering all analyses, would create an incomplete view of the process underlying this opinion. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Hovde, as part of its investment banking business, regularly performs valuations of businesses and their securities in connection with mergers and acquisitions and other corporate transactions. Pursuant to our engagement agreement with the Brookline, we received an initial retainer fee upon the execution of the engagement agreement with Brookline, and we will receive from Brookline an opinion fee that is contingent upon the issuance of this opinion letter and a completion fee (less the initial retainer fee and the opinion fee) contingent upon the consummation of the Merger. Brookline has also agreed to indemnify us and our affiliates for certain liabilities that may arise out of our engagement. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">In the past two&#160;years preceding the date of this opinion, Hovde has not provided investment banking or financial advisory services to either Brookline or Berkshire for which it received a fee. We or our affiliates may presently or in the future seek or receive compensation from Berkshire in connection with future transactions, or in connection with potential advisory services and corporate transactions. In the ordinary course of our business as a broker/dealer, we may from time to time purchase securities from, and sell securities to, Brookline or Berkshire or their affiliates, and as a market maker in securities, Hovde may from time to time have a long or short position in, and buy or sell, debt or equity securities of the Brookline or Berkshire for Hovde&#8217;s own accounts and for the accounts of Hovde&#8217;s customers. Except for the foregoing, during the past two&#160;years there have not been and there currently are no mutual agreements regarding any future material transactions between Hovde and either Brookline or Berkshire except that Hovde will serve as the co-lead private placement agent in a private placement of newly issued shares of common stock of Berkshire with an aggregate value of approximately One Hundred Million Dollars ($100,000,000) to be announced and consummated contemporaneously with the execution of the Agreement by Brookline and Berkshire. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Based upon and subject to the foregoing review, assumptions and limitations, we are of the opinion, as of the date hereof, that the Exchange Ratio in the Merger is fair from a financial point of view to the holders of Brookline Common Stock. </font>
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        <div style="margin-left:240pt; margin-top:8pt; width:216pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Sincerely, </font>
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        <div style="position:relative;margin-left:160pt; margin-top:10pt; text-align:center; width:296pt;">
          <img src="sg_hovdegroupllc-bw.jpg" alt="[MISSING IMAGE: sg_hovdegroupllc-bw.jpg]" height="31" width="176" >
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        <div style="margin-left:240pt; margin-top:13pt; width:216pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">HOVDE GROUP, LLC</font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C-5</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tAND">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">ANNEX D</font>&#8203;</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">AMENDED AND&#160;RESTATED </font>
          <br >
          <font style="letter-spacing:-0.2pt;">CERTIFICATE OF INCORPORATION </font>
          <br >
          <font style="letter-spacing:-0.2pt;">OF </font>
          <br >
          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FIRST</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The name of the Corporation is Berkshire Hills Bancorp, Inc. (hereinafter sometimes referred to as the &#8220;Corporation&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SECOND</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The address of the registered office of the Corporation in the State of Delaware is Corporation Trust Center, 1209 Orange Street, in the City of Wilmington, County of New Castle. The name of the registered agent at that address is The Corporation Trust Company. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">THIRD</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The purpose of the Corporation is to engage in any lawful act or activity for which a corporation may be organized under the General Corporation Law of the State of Delaware. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FOURTH</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;The total number of shares of all classes of stock which the Corporation shall have authority to issue is Two hundred two million (202,000,000) consisting of: </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
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          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Two million (2,000,000) shares of Preferred Stock, par value one cent ($.01) per share (the &#8220;Preferred Stock&#8221;); and </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
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          <font style="letter-spacing:0.2pt;">Two hundred million (200,000,000) shares of Common Stock, par value one cent ($.01) per share (the &#8220;Common Stock&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The Board of Directors is authorized, subject to any limitations prescribed by law, to provide for the issuance of the shares of Preferred Stock in series, and by filing a certificate pursuant to the applicable law of the State of Delaware (such certificate being hereinafter referred to as a &#8220;Preferred Stock Designation&#8221;), to establish from time to time the number of shares to be included in each such series, and to fix the designation, powers, preferences, and rights of the shares of each such series and any qualifications, limitations or restrictions thereof. The number of authorized shares of Preferred Stock may be increased or decreased (but not below the number of shares thereof then outstanding) by the affirmative vote of the holders of a majority of the Common Stock, without a vote of the holders of the Preferred Stock, or of any series thereof, unless a vote of any such holders is required pursuant to the terms of any Preferred Stock Designation. </font>
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        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:40pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">C.</font><font style="margin-left:11pt;letter-spacing:0.2pt;">1.</font>
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          <font style="letter-spacing:0.2pt;">Notwithstanding any other provision of this Certificate of Incorporation, in no event shall any record owner of any outstanding Common Stock which is beneficially owned, directly or indirectly, by a person who, as of any record date for the determination of stockholders entitled to vote on any matter, beneficially owns in excess of 10% of the then-outstanding shares of Common Stock (the &#8220;Limit&#8221;), be entitled, or permitted to any vote in respect of the shares held in excess of the Limit. The number of votes which may be cast by any record owner by virtue of the provisions hereof in respect of Common Stock beneficially owned by such person beneficially owning shares in excess of the Limit shall be a number equal to the total number of votes which a single record owner of all Common Stock beneficially owned by such person would be entitled to cast, (subject to the provisions of this Article&#160;FOURTH) multiplied by a fraction, the numerator of which is the number of shares of such class or series which are both beneficially owned by such person and owned of record by such record owner and the denominator of which is the total number of shares of Common Stock beneficially owned by such person owning shares in excess of the Limit. </font>
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          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
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          <font style="letter-spacing:0.2pt;">The following definitions shall apply to this Section&#160;C of this Article&#160;FOURTH: </font>
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          <font style="letter-spacing:0.2pt;">a.</font>
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          <font style="letter-spacing:0.2pt;">&#8220;Affiliate&#8221; shall have the meaning ascribed to it in Rule&#160;12b-2 of the General Rules and Regulations under the Securities Exchange Act of 1934, as amended, as in effect on the date of filing of this Certificate of Incorporation. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">D-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:60pt; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">b.</font>
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          <font style="letter-spacing:0.2pt;">&#8220;Beneficial&#160;ownership&#8221; shall be determined pursuant to Rule&#160;13d-3 of the General Rules and Regulations under the Securities Exchange Act of 1934, as amended (or any successor rule or statutory provision), or, if said Rule&#160;13d-3 shall be rescinded and there shall be no successor rule or provision thereto, pursuant to said Rule&#160;13d-3 as in effect on the date of filing of this Certificate of Incorporation; provided, however, that a person shall, in any event, also be deemed the &#8220;beneficial owner&#8221; of any Common Stock: </font>
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          <font style="letter-spacing:0.2pt;">(1)</font>
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          <font style="letter-spacing:0.2pt;">which such person or any of its affiliates beneficially owns, directly or indirectly; or </font>
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        <div style=" float:left; margin-left:80pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
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          <font style="letter-spacing:0.2pt;">which such person or any of its affiliates has: (i)&#160;the right to acquire (whether such right is exercisable immediately or only after the passage of time), pursuant to any agreement, arrangement or understanding (but shall not be deemed to be the beneficial owner of any voting shares solely by reason of an agreement, contract, or other arrangement with this Corporation to effect any transaction which is described in any one or more of clauses 1 through 5 of Section&#160;A of Article&#160;EIGHTH of this Certificate of Incorporation (&#8220;Article&#160;EIGHTH&#8221;)), or upon the exercise of conversion rights, exchange rights, warrants, or options or otherwise, or (ii)&#160;sole or shared voting or investment power with respect thereto pursuant to any agreement, arrangement, understanding, relationship or otherwise (but shall not be deemed to be the beneficial owner of any voting shares solely by reason of a revocable proxy granted for a particular meeting of stockholders, pursuant to a public solicitation of proxies for such meeting, with respect to shares of which neither such person nor any such Affiliate is otherwise deemed the beneficial owner); or </font>
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          <font style="letter-spacing:0.2pt;">(3)</font>
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          <font style="letter-spacing:0.2pt;">which are beneficially owned, directly or indirectly, by any other person with which such first mentioned person or any of its Affiliates acts as a partnership, limited partnership, syndicate or other group pursuant to any agreement, arrangement or understanding for the purpose of acquiring, holding, voting or disposing of any shares of capital stock of this Corporation; and provided further, however, that: (1)&#160;no Director or Officer of this Corporation (or any Affiliate of any such Director or Officer) shall, solely by reason of any or all of such Directors or Officers acting in their capacities as such, be deemed, for any purposes hereof, to beneficially own any Common Stock beneficially owned by any other such Director or Officer (or any Affiliate thereof); and (2)&#160;neither any employee stock ownership or similar plan of this Corporation or any subsidiary of this Corporation, nor any trustee with respect thereto or any Affiliate of such trustee (solely by reason of such capacity of such trustee), shall be deemed, for any purposes hereof, to beneficially own any Common Stock held under any such plan. For purposes only of computing the&#160;percentage of beneficial ownership of Common Stock of a person, the outstanding Common Stock shall include shares deemed owned by such person through application of this subsection but shall not include any other Common Stock which may be issuable by this Corporation pursuant to any agreement, or upon exercise of conversion rights, warrants or options, or otherwise. For all other purposes, the outstanding Common Stock shall include only Common Stock then outstanding and shall not include any Common Stock which may be issuable by this Corporation pursuant to any agreement, or upon the exercise of conversion rights, warrants or options, or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">c.</font>
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        <div style=" margin-top:7.91pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The &#8220;limit&#8221; shall mean 10% of the then-outstanding shares of Common Stock. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">d.</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">A &#8220;person&#8221; shall include an individual, a firm, a group acting in concert, a corporation, a partnership, an association, a joint venture, a pool, a joint stock company, a trust, an unincorporated organization or similar company, a syndicate or any other group formed for the purpose of acquiring, holding or disposing of securities or any other entity. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The Board of Directors shall have the power to construe and apply the provisions of this section and to make all determinations necessary or desirable to implement such provisions, </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D-2</font>
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:60pt; width:396pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">including but not limited to matters with respect to: (i)&#160;the number of shares of Common Stock beneficially owned by any person; (ii)&#160;whether a person is an affiliate of another; (iii)&#160;whether a person has an agreement, arrangement, or understanding with another as to the matters referred to in the definition of beneficial ownership; (iv)&#160;the application of any other definition or operative provision of the section to the given facts; or (v)&#160;any other matter relating to the applicability or effect of this section. </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">4.</font>
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">The&#160;Board of Directors shall have the right to demand that any person who is reasonably believed to beneficially own Common Stock in excess of the Limit (or holds of record Common Stock beneficially owned by any person in excess of the Limit) supply the Corporation with complete information as to: (i)&#160;the record owner(s) of all shares beneficially owned by such person who is reasonably believed to own shares in excess of the Limit; and (ii)&#160;any other factual matter relating to the applicability or effect of this section as may reasonably be requested of such person. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5.</font>
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Except as otherwise provided by law or expressly provided in this Section&#160;C, the presence, in person or by proxy, of the holders of record of shares of capital stock of the Corporation entitling the holders thereof to cast a majority of the votes (after giving effect, if required, to the provisions of this Section&#160;C) entitled to be cast by the holders of shares of capital stock of the Corporation entitled to vote shall constitute a quorum at all meetings of the stockholders, and every reference in this Certificate of Incorporation to a majority or other proportion of capital stock (or the holders thereof) for purposes of determining any quorum requirement or any requirement for stockholder consent or approval shall be deemed to refer to such majority or other proportion of the votes (or the holders thereof) then entitled to be cast in respect of such capital stock. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">6.</font>
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Any constructions, applications, or determinations made by the Board of Directors pursuant to this section in good faith and on the basis of such information and assistance as was then reasonably available for such purpose shall be conclusive and binding upon the Corporation and its stockholders. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">7.</font>
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">In the event any provision (or portion thereof) of this Section&#160;C shall be found to be invalid, prohibited or unenforceable for any reason, the remaining provisions (or portions thereof) of this Section shall remain in full force and effect, and shall be construed as if such invalid, prohibited or unenforceable provision had been stricken herefrom or otherwise rendered inapplicable, it being the intent of this Corporation and its stockholders that each such remaining provision (or portion thereof) of this Section&#160;C remain, to the fullest extent permitted by law, applicable and enforceable as to all stockholders, including stockholders owning an amount of stock over the Limit, notwithstanding any such finding. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">FIFTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The following provisions are inserted for the management of the business and the conduct of the affairs of the Corporation, and for further definition, limitation and regulation of the powers of the Corporation and of its Directors and stockholders: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;The business and affairs of the Corporation shall be managed by or under the direction of the Board of Directors. In addition to the powers and authority expressly conferred upon them by statute or by this Certificate of Incorporation or the Bylaws of the Corporation, the Directors are hereby empowered to exercise all such powers and do all such acts and things as may be exercised or done by the Corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The Directors of the Corporation need not be elected by written ballot unless the Bylaws so provide. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;Any action required or permitted to be taken by the stockholders of the Corporation must be effected at a duly called annual or special meeting of stockholders of the Corporation and may not be effected by any consent in writing by such stockholders. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;Special meetings of stockholders of the Corporation may be called only by the Board of Directors pursuant to a resolution adopted by a majority of the Whole Board or as otherwise provided in the Bylaws. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D-3</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The term &#8220;Whole Board&#8221; shall mean the total number of authorized directorships (whether or not there exist any vacancies in previously authorized directorships at the time any such resolution is presented to the Board for adoption). </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SIXTH</font><font style="letter-spacing:0.2pt;">:&#160;</font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;The number of Directors shall be fixed from time to time exclusively by the Board of Directors pursuant to a resolution adopted by a majority of the Whole Board. The Directors shall be divided into three classes, as nearly equal in number as reasonably possible, with each Director to hold office until his or her successor shall have been duly elected and qualified. At each annual meeting of stockholders following such initial classification and election, held before the 2017 annual meeting of stockholders, the class of directors selected to succeed those Directors whose terms expire shall be elected for a term of office to expire at the third succeeding annual meeting of stockholders after their election. At each annual meeting of stockholders commencing with the 2017 annual meeting of stockholders, Directors elected to succeed those Directors whose terms then expire shall be elected for a term expiring at the next annual meeting of stockholders. Beginning with the 2020 annual meeting of stockholders, the foregoing classification of the Board of Directors shall cease. If the number of Directors is changed prior to the 2017 annual meeting of stockholders, any increase or decrease shall be apportioned among the classes so as to maintain the number of Directors in each class as nearly equal as possible, and any additional Director of any class elected to fill a vacancy resulting from an increase in such class shall hold office for a term that shall coincide with the remaining term of that class. If the number of Directors is increased at or following the 2020 annual meeting of stockholders, any additional Director elected to fill a vacancy resulting from such increase shall hold office for a term expiring at the next annual meeting of stockholders. In no case shall a decrease in the number of Directors remove or shorten the term of any incumbent Director. Each Director shall hold office for the term for which elected and until his or her successor shall have been duly elected and qualified. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;Subject to the rights of the holders of any series of Preferred Stock then outstanding, newly created directorships resulting from any increase in the authorized number of Directors or any vacancies in the Board of Directors resulting from death, resignation, retirement, disqualification, removal from office, or other cause may be filled only by a majority vote of the Directors then in office, though less than a quorum, and Directors so chosen shall hold office for a term expiring at the annual meeting of stockholders at which the term of office of the class to which they have been chosen expires, except that Directors elected to fill vacancies after the 2020 annual meeting of stockholders shall hold office for a term expiring at the next annual meeting of stockholders. No decrease in the number of Directors constituting the Board of Directors shall shorten the term of any incumbent Director. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;Advance notice of stockholder nominations for the election of Directors and of business to be brought by stockholders before any meeting of the stockholders of the Corporation shall be given in the manner provided in the Bylaws of the Corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;Subject to the rights of holders of any series of Preferred Stock then outstanding, any Director, or the entire Board of Directors, may be removed from office at any time, but only for cause and only by the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of capital stock of the Corporation entitled to vote generally in the election of Directors (after giving effect to the provisions of Article&#160;FOURTH of this Certificate of Incorporation (&#8220;Article&#160;FOURTH&#8221;)), voting together as a single class. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SEVENTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The Board of Directors is expressly empowered to adopt, amend or repeal Bylaws of the Corporation. Any adoption, amendment or repeal of the Bylaws of the Corporation by the Board of Directors shall require the approval of a majority of the Whole Board. The stockholders shall also have power to adopt, amend or repeal the Bylaws of the Corporation; provided, however, that, in addition to any vote of the holders of any class or series of stock of this Corporation required by law or by this Certificate of Incorporation, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the capital stock of the Corporation entitled to vote generally in the election of Directors (after giving effect to the provisions of Article&#160;FOURTH), voting together as a single class, shall be required to adopt, amend or repeal any provisions of the Bylaws of the Corporation. </font>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D-4</font>
          <br >
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      <hr >
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    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:20pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">EIGHTH</font><font style="letter-spacing:0.2pt;">:&#160;</font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;In addition to any affirmative vote required by law or this Certificate of Incorporation, and except as otherwise expressly provided in this Article&#160;EIGHTH: </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
          <br >
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">any merger or consolidation of the Corporation or any Subsidiary (as hereinafter defined) with: (i)&#160;any Interested Stockholder (as hereinafter defined); or (ii)&#160;any other corporation (whether or not itself an Interested Stockholder) which is, or after such merger or consolidation would be, an Affiliate (as hereinafter defined) of an Interested Stockholder; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">any sale, lease, exchange, mortgage, pledge, transfer or other disposition (in one transaction or a series of transactions) to or with any Interested Stockholder, or any Affiliate of any Interested Stockholder, of any assets of the Corporation or any Subsidiary having an aggregate Fair Market Value (as hereinafter defined) equaling or exceeding 25% or more of the combined assets of the Corporation and its Subsidiaries; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3.</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the issuance or transfer by the Corporation or any Subsidiary (in one transaction or a series of transactions) of any securities of the Corporation or any Subsidiary to any Interested Stockholder or any Affiliate of any Interested Stockholder in exchange for cash, securities or other property (or a combination thereof) having an aggregate Fair Market Value (as hereinafter defined) equaling or exceeding 25% of the combined Fair Market Value of the outstanding common stock of the Corporation and its Subsidiaries, except for any issuance or transfer pursuant to an employee benefit plan of the Corporation or any Subsidiary thereof; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">4.</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">the adoption of any plan or proposal for the liquidation or dissolution of the Corporation proposed by or on behalf of an Interested Stockholder or any Affiliate of any Interested Stockholder; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.19pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5.</font>
          <br >
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        <div style=" margin-top:8.19pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">any reclassification of securities (including any reverse stock split), or recapitalization of the Corporation, or any merger or consolidation of the Corporation with any of its Subsidiaries or any other transaction (whether or not with or into or otherwise involving an Interested Stockholder) which has the effect, directly or indirectly, of increasing the proportionate share of the outstanding shares of any class of equity or convertible securities of the Corporation or any Subsidiary which is directly or indirectly owned by any Interested Stockholder or any Affiliate of any Interested Stockholder; </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">shall require the affirmative vote of the holders of at least 80% of the voting power of the then-outstanding shares of stock of the Corporation entitled to vote in the election of Directors (the &#8220;Voting Stock&#8221;) (after giving effect to the provisions of Article&#160;FOURTH), voting together as a single class. Such affirmative vote shall be required notwithstanding the fact that no vote may be required, or that a lesser&#160;percentage may be specified, by law or by any other provisions of this Certificate of Incorporation or any Preferred Stock Designation in any agreement with any national securities exchange or otherwise. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The term &#8220;Business Combination&#8221; as used in this Article&#160;EIGHTH shall mean any transaction which is referred to in any one or more of paragraphs 1 through 5 of Section&#160;A of this Article&#160;EIGHTH. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The provisions of Section&#160;A of this Article&#160;EIGHTH shall not be applicable to any particular Business Combination, and such Business Combination shall require only the affirmative vote of the majority of the outstanding shares of capital stock entitled to vote after giving effect to the provisions of Article&#160;FOURTH, or such vote (if any), as is required by law or by this Certificate of Incorporation, if, in the case of any Business Combination that does not involve any cash or other consideration being received by the stockholders of the Corporation solely in their capacity as stockholders of the Corporation, the condition specified in the following paragraph 1 is met or, in the case of any other Business Combination, all of the conditions specified in either of the following paragraphs 1 or 2 are met: </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.1pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">1.</font>
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          <font style="letter-spacing:0.2pt;">The Business Combination shall have been approved by a majority of the Disinterested Directors (as hereinafter defined). </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">D-5</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style=" float:left; margin-left:40pt; line-height:12pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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          <font style="letter-spacing:0.2pt;">All of the following conditions shall have been&#160;met: </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:7.8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">a.</font>
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          <font style="letter-spacing:0.2pt;">The aggregate amount of the cash and the Fair Market Value as of the date of the consummation of the Business Combination of consideration other than cash to be received per share by the holders of Common Stock in such Business Combination shall at least be equal to the higher of the following: </font>
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        <div style=" float:left; margin-left:80pt; line-height:12pt; margin-top:7.81pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
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          <font style="letter-spacing:0.2pt;">(if applicable) the Highest Per Share Price (as hereinafter defined), including any brokerage commissions, transfer taxes and soliciting dealers&#8217; fees, paid by the Interested Stockholder or any of its Affiliates for any shares of Common Stock acquired by it: (i)&#160;within the two-year period immediately prior to the first public announcement of the proposal of the Business Combination (the &#8220;Announcement Date&#8221;); or (ii)&#160;in the transaction in which it became an Interested Stockholder, whichever is higher; or </font>
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          <font style="letter-spacing:0.2pt;">(2)</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:100pt;">
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          <font style="letter-spacing:0.2pt;">the Fair Market Value per share of Common Stock on the Announcement Date or on the date on which the Interested Stockholder became an Interested Stockholder (such latter date is referred to in this Article&#160;EIGHTH as the &#8220;Determination Date&#8221;), whichever is higher. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">b.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
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          <font style="letter-spacing:0.2pt;">The aggregate amount of the cash and the Fair Market Value as of the date of the consummation of the Business Combination of consideration other than cash to be received per share by holders of shares of any class of outstanding Voting Stock other than Common Stock shall be at least equal to the highest of the following (it being intended that the requirements of this subparagraph (b)&#160;shall be required to be met with respect to every such class of outstanding Voting Stock, whether or not the Interested Stockholder has previously acquired any shares of a particular class of Voting Stock): </font>
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          <font style="letter-spacing:0.2pt;">(1)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:100pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">(if applicable) the Highest Per Share Price (as hereinafter defined), including any brokerage commissions, transfer taxes and soliciting dealers&#8217; fees, paid by the Interested Stockholder for any shares of such class of Voting Stock acquired by it: (i)&#160;within the two-year period immediately prior to the Announcement Date; or (ii)&#160;in the transaction in which it became an Interested Stockholder, whichever is higher; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">(2)</font>
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        <div style=" margin-top:7.9pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:100pt;">
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          <font style="letter-spacing:0.2pt;">(if applicable) the highest preferential amount per share to which the holders of shares of such class of Voting Stock are entitled in the event of any voluntary or involuntary liquidation, dissolution or winding up of the Corporation; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:80pt; line-height:12pt; margin-top:7.9pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
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          <font style="letter-spacing:0.2pt;">the Fair Market Value per share of such class of Voting Stock on the Announcement Date or on the Determination Date, whichever is higher. </font>
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          <font style="letter-spacing:0.2pt;">c.</font>
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          <font style="letter-spacing:0.2pt;">The consideration to be received by holders of a particular class of outstanding Voting Stock (including Common Stock) shall be in cash or in the same form as the Interested Stockholder has previously paid for shares of such class of Voting Stock. If the Interested Stockholder has paid for shares of any class of Voting Stock with varying forms of consideration, the form of consideration to be received per share by holders of shares of such class of Voting Stock shall be either cash or the form used to acquire the largest number of shares of such class of Voting Stock previously acquired by the Interested Stockholder. The price determined in accordance with subparagraph B.2 of this Article&#160;EIGHTH shall be subject to appropriate adjustment in the event of any stock dividend, stock split, combination of shares or similar event. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">d.</font>
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        <div style=" margin-top:7.8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
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          <font style="letter-spacing:0.2pt;">After such Interested Stockholder has become an Interested Stockholder and prior to the consummation of such Business Combination: (1)&#160;except as approved by a majority of the Disinterested Directors (as hereinafter defined), there shall have been no failure to declare and pay at the regular date therefor any full quarterly dividends (whether or not cumulative) on any outstanding stock having preference over the Common Stock as to dividends or liquidation; (2)&#160;there shall have been: (i)&#160;no reduction in the annual rate of </font>
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        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D-6</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
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      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:80pt; width:376pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">dividends paid on the Common Stock (except as necessary to reflect any subdivision of the&#160;Common Stock), except as approved by a majority of the Disinterested Directors; and (ii)&#160;an increase in such annual rate of dividends as necessary to reflect any reclassification (including any reverse stock split), recapitalization, reorganization or any similar transaction which has the effect of reducing the number of outstanding shares of the Common Stock, unless the failure to so increase such annual rate is approved by a majority of the Disinterested Directors, and (3)&#160;neither such Interested Stockholder or any of its Affiliates shall have become the beneficial owner of any additional shares of Voting Stock except as part of the transaction which results in such Interested Stockholder becoming an Interested Stockholder. </font>
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          <font style="letter-spacing:0.2pt;">e.</font>
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        <div style=" margin-top:8.1pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
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          <font style="letter-spacing:0.2pt;">After such Interested Stockholder has become an Interested Stockholder, such Interested Stockholder shall not have received the benefit, directly or indirectly (except proportionately as a stockholder), of any loans, advances, guarantees, pledges or other financial assistance or any tax credits or other tax advantages provided, directly or indirectly, by the Corporation, whether in anticipation of or in connection with such Business Combination or otherwise. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">f.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
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          <font style="letter-spacing:0.2pt;">A proxy or information statement describing the proposed Business Combination and complying with the requirements of the Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder (or any subsequent provisions replacing such Act, and the rules or regulations thereunder) shall be mailed to stockholders of the Corporation at least 30&#160;days prior to the consummation of such Business Combination (whether or not such proxy or information statement is required to be mailed pursuant to such Act or subsequent provisions). </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;For the purposes of this Article&#160;EIGHTH: </font>
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          <font style="letter-spacing:0.2pt;">1.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">A &#8220;Person&#8221; shall include an individual, a firm, a group acting in concert, a corporation, a partnership, an association, a joint venture, a pool, a joint stock company, a trust, an unincorporated organization or similar company, a syndicate or any other group formed for the purpose of acquiring, holding or disposing of securities or any other entity. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">2.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Interested Stockholder&#8221; shall mean any person (other than the Corporation or any Holding Company or Subsidiary thereof) who or which: </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">a.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">is the beneficial owner, directly or indirectly, of more than 10% of the voting power of the outstanding Voting Stock; or </font>
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        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">b.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">is an Affiliate of the Corporation and at any time within the two-year period immediately prior to the date in question was the beneficial owner, directly or indirectly, of 10% or more of the voting power of the then outstanding Voting Stock; or </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:60pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">c.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:80pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">is an assignee of or has otherwise succeeded to any shares of Voting Stock which were at any time within the two-year period immediately prior to the date in question beneficially owned by any Interested Stockholder, if such assignment or succession shall have occurred in the course of a transaction or series of transactions not involving a public offering within the meaning of the Securities Act of 1933, as amended. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">3.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">For purposes of this Article&#160;EIGHTH, &#8220;beneficial ownership&#8221; shall be determined in the manner provided in Article&#160;FOURTH hereof. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">4.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Affiliate&#8221; and &#8220;Associate&#8221; shall have the respective meanings ascribed to such terms in Rule&#160;12b-2 of the General Rules and Regulations under the Securities Exchange Act of 1934, as in effect on the date of filing of this Certificate of Incorporation. </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">5.</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Subsidiary&#8221; means any corporation of which a majority of any class of equity security is owned, directly or indirectly, by the Corporation; provided, however, that for the purposes of the definition of Interested Stockholder set forth in Paragraph 2 of this Section&#160;C, the term </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
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      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">D-7</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:60pt; width:396pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;Subsidiary&#8221; shall mean only a corporation of which a majority of each class of equity security&#160;is owned, directly or indirectly, by the Corporation. </font>
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        <div style=" float:left; margin-left:40pt; line-height:12pt; margin-top:8.2pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">6.</font>
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        <div style=" margin-top:8.2pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:60pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">&#8220;Disinterested Director&#8221; means any member of the Board of Directors who is unaffiliated with the Interested Stockholder and was a member of the Board of Directors prior to the time that the Interested Stockholder became an Interested Stockholder, and any Director who is thereafter chosen to fill any vacancy of the Board of Directors or who is elected and who, in either event, is unaffiliated with the Interested Stockholder and in connection with his or her initial assumption of office is recommended for appointment or election by a majority of Disinterested Directors then on the Board of Directors. </font>
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          <font style="letter-spacing:0.2pt;">7.</font>
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          <font style="letter-spacing:0.2pt;">&#8220;Fair Market Value&#8221; means: </font>
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          <font style="letter-spacing:0.2pt;">a.</font>
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          <font style="letter-spacing:0.2pt;">in the case of stock, the highest closing sales price of the stock during the 30-day period immediately preceding the date in question of a share of such stock on the National Association of Securities Dealers Automated Quotation System or any system then in use, or, if such stock is admitted to trading on a principal United States securities exchange registered under the Securities Exchange Act of 1934, as amended, Fair Market Value shall be the highest sale price reported during the 30-day period preceding the date in question, or, if no such quotations are available, the Fair Market Value on the date in question of a share of such stock as determined by the Board of Directors in good faith, in each case with respect to any class of stock, appropriately adjusted for any dividend or distribution in shares of such stock or any stock split or reclassification of outstanding shares of such stock into a greater number of shares of such stock or any combination or reclassification of outstanding shares of such stock into a smaller number of shares of such stock; and </font>
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          <font style="letter-spacing:0.2pt;">b.</font>
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          <font style="letter-spacing:0.2pt;">in the case of property other than cash or stock, the Fair Market Value of such property on the date in question as determined by the Board of Directors in good faith. </font>
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          <font style="letter-spacing:0.2pt;">8.</font>
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          <font style="letter-spacing:0.2pt;">Reference to &#8220;Highest Per Share Price&#8221; shall in each case with respect to any class of stock reflect an appropriate adjustment for any dividend or distribution in shares of such stock or any stock split or reclassification of outstanding shares of such stock into a greater number of shares of such stock or any combination or reclassification of outstanding shares of such stock into a smaller number of shares of such stock. </font>
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          <font style="letter-spacing:0.2pt;">9.</font>
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          <font style="letter-spacing:0.2pt;">In the event of any Business Combination in which the Corporation survives, the phrase &#8220;consideration other than cash to be received&#8221; as used in Subparagraphs (a)&#160;and (b)&#160;of Paragraph 2 of Section&#160;B of this Article&#160;EIGHTH shall include the shares of Common Stock and/or the shares of any other class of outstanding Voting Stock retained by the holders of such shares. </font>
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          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;A majority of the Disinterested Directors of the Corporation shall have the power and duty to determine for the purposes of this Article&#160;EIGHTH, on the basis of information known to them after reasonable inquiry: (a)&#160;whether a person is an Interested Stockholder; (b)&#160;the number of shares of Voting Stock beneficially owned by any person; (c)&#160;whether a person is an Affiliate or Associate of another; and (d)&#160;whether the assets which are the subject of any Business Combination have, or the consideration to be received for the issuance or transfer of securities by the Corporation or any Subsidiary in any Business Combination has an aggregate Fair Market Value equaling or exceeding 25% of the combined Fair Market Value of the Common Stock of the Corporation and its Subsidiaries. A majority of the Disinterested Directors shall have the further power to interpret all of the terms and provisions of this Article&#160;EIGHTH. </font>
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          <font style="letter-spacing:0.2pt;">E.&nbsp;&nbsp;&nbsp;Nothing contained in this Article&#160;EIGHTH shall be construed to relieve any Interested Stockholder from any fiduciary obligation imposed by law. </font>
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          <font style="letter-spacing:0.2pt;">Notwithstanding any other provisions of this Certificate of Incorporation or any provision of law which might otherwise permit a lesser vote or no vote, but in addition to any affirmative vote of the holders of any particular class or series of the Voting Stock required by law, this Certificate of Incorporation or </font>
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          <font style="letter-spacing:0.2pt;">any Preferred Stock Designation, the affirmative vote of the holders of at least 80% of the voting power of all&#160;of the then-outstanding shares of the Voting Stock (after </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">NINTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The Board of Directors of the Corporation, when evaluating any offer of another Person (as defined in Article&#160;EIGHTH hereof) to: (A)&#160;make a tender or exchange offer for any equity security of the Corporation; (B)&#160;merge or consolidate the Corporation with another corporation or entity; or (C)&#160;purchase or otherwise acquire all or substantially all of the properties and assets of the Corporation, may, in connection with the exercise of its judgment in determining what is in the best interest of the Corporation and its stockholders, give due consideration to all relevant factors, including, without limitation, those factors that Directors of any subsidiary of the Corporation may consider in evaluating any action that may result in a change or potential change in the control of the subsidiary, and the social and economic effect of acceptance of such offer: on the Corporation&#8217;s present and future customers and employees and those of its Subsidiaries (as defined in Article&#160;EIGHTH hereof); on the communities in which the Corporation and its Subsidiaries operate or are located; on the ability of the Corporation to fulfill its corporate objective as a savings and loan holding company under applicable laws and regulations; and on the ability of its subsidiary savings institution to fulfill the objectives of a stock form savings institution under applicable statutes and regulations. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TENTH</font><font style="letter-spacing:0.2pt;">: </font>
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          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;Each person who was or is made a party or is threatened to be made a party to or is otherwise involved in any action, suit or proceeding, whether civil, criminal, administrative or investigative (hereinafter a &#8220;proceeding&#8221;), by reason of the fact that he or she is or was a Director or an Officer of the Corporation or is or was serving at the request of the Corporation as a Director, Officer, employee or agent of another corporation or of a partnership, joint venture, trust or other enterprise, including service with respect to an employee benefit plan (hereinafter an &#8220;indemnitee&#8221;), whether the basis of such proceeding is alleged action in an official capacity as a Director, Officer, employee or agent or in any other capacity while serving as a Director, Officer, employee or agent, shall be indemnified and held harmless by the Corporation to the fullest extent authorized by the Delaware General Corporation Law, as the same exists or may hereafter be amended (but, in the case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader indemnification rights than such law permitted the Corporation to provide prior to such amendment), against all expense, liability and loss (including attorneys&#8217; fees, judgments, fines, ERISA excise taxes or penalties and amounts paid in settlement) reasonably incurred or suffered by such indemnitee in connection therewith; provided, however, that, except as provided in Section&#160;C hereof with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation. </font>
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          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The right to indemnification conferred in Section&#160;A of this Article&#160;TENTH shall include the right to be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final disposition (hereinafter an &#8220;advancement of expenses&#8221;); provided, however, that, if the Delaware General Corporation Law requires, an advancement of expenses incurred by an indemnitee in his or her capacity as a Director or Officer (and not in any other capacity in which service was or is rendered by such indemnitee, including, without limitation, services to an employee benefit plan) shall be made only upon delivery to the Corporation of an undertaking (hereinafter an &#8220;undertaking&#8221;), by or on behalf of such indemnitee, to repay all amounts so advanced if it shall ultimately be determined by final judicial decision from which there is no further right to appeal (hereinafter a &#8220;final adjudication&#8221;) that such indemnitee is not entitled to be indemnified for such expenses under this Section or otherwise. The rights to indemnification and to the advancement of expenses conferred in Sections&#160;A and B of this Article&#160;TENTH shall be contract rights and such rights shall continue as to an indemnitee who has ceased to be a Director, Officer, employee or agent and shall inure to the benefit of the indemnitee&#8217;s heirs, executors and administrators. </font>
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          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;If a claim under Section&#160;A or B of this Article&#160;TENTH is not paid in full by the Corporation within sixty days after a written claim has been received by the Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim. If successful in whole or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall be entitled to be paid </font>
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          <font style="letter-spacing:0.2pt;">also the expenses of prosecuting or defending such suit. In (i)&#160;any suit brought by the indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii)&#160;in any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met any applicable standard for indemnification set forth in the Delaware General Corporation Law. Neither the failure of the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable standard of conduct set forth in the Delaware General Corporation Law, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit. In any suit brought by the indemnitee to enforce a right to indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of expenses, under this Article&#160;TENTH or otherwise shall be on the Corporation. </font>
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          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;The&#160;rights to indemnification and to the advancement of expenses conferred in this Article&#160;TENTH shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, the Corporation&#8217;s Certificate of Incorporation, Bylaws, agreement, vote of stockholders or Disinterested Directors or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">E.&nbsp;&nbsp;&nbsp;The Corporation may maintain insurance, at its expense, to protect itself and any Director, Officer, employee or agent of the Corporation or subsidiary or Affiliate or another corporation, partnership, joint venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such person against such expense, liability or loss under the Delaware General Corporation Law. </font>
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          <font style="letter-spacing:0.2pt;">F.&nbsp;&nbsp;&nbsp;The Corporation may, to the extent authorized from time to time by the Board of Directors, grant rights to indemnification and to the advancement of expenses to any employee or agent of the Corporation to the fullest extent of the provisions of this Article&#160;TENTH with respect to the indemnification and advancement of expenses of Directors and Officers of the Corporation. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ELEVENTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;A Director of this Corporation shall not be personally liable to the Corporation or its stockholders for monetary damages for breach of fiduciary duty as a Director, except for liability: (i)&#160;for any breach of the Director&#8217;s duty of loyalty to the Corporation or its stockholders; (ii)&#160;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (iii)&#160;under Section&#160;174 of the Delaware General Corporation Law; or (iv)&#160;for any transaction from which the Director derived an improper personal benefit. If the Delaware General Corporation Law is amended to authorize corporate action further eliminating or limiting the personal liability of Directors, then the liability of a Director of the Corporation shall be eliminated or limited to the fullest extent permitted by the Delaware General Corporation Law, as so amended. </font>
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          <font style="letter-spacing:0.2pt;">Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a Director of the Corporation existing at the time of such repeal or modification. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TWELFTH</font><font style="letter-spacing:0.2pt;">:&nbsp;&nbsp;&nbsp;The Corporation reserves the right to amend or repeal any provision contained in this Certificate of Incorporation in the manner prescribed by the laws of the State of Delaware and all rights conferred upon stockholders are granted subject to this reservation; provided, however, that, notwithstanding any other provision of this Certificate of Incorporation or any provision of law which might otherwise permit a lesser vote or no vote, but in addition to any vote of the holders of any class or series of the stock of this Corporation required by law or by this Certificate of Incorporation, the affirmative vote of the holders of at least 80% of the voting power of all of the then-outstanding shares of the capital stock of the Corporation entitled to vote generally in the election of Directors (after giving effect to the provisions of Article&#160;FOURTH), voting together as a single class, shall be required to amend or repeal this </font>
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          <font style="letter-spacing:0.2pt;">Article&#160;TWELFTH, Section&#160;C of Article&#160;FOURTH, Sections&#160;C or D of Article&#160;FIFTH, Article&#160;SIXTH, Article&#160;SEVENTH, Article&#160;EIGHTH or Article&#160;TENTH. </font>
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          <font style="letter-spacing:0.2pt;">IN&#160;WITNESS WHEREOF, the undersigned has executed this Amended and Restated Certificate of Incorporation this &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199; day of &#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;, 2025. </font>
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          <font style="letter-spacing:0.2pt;">BERKSHIRE HILLS BANCORP, INC. </font>
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          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;</font>
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          <font style="letter-spacing:0.2pt;">Wm. Gordon Prescott</font>
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          <font style="letter-spacing:0.2pt;">D-11</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tANE">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">ANNEX E</font>&#8203;</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Amendment&#160;to the Amended and Restated Bylaws of </font>
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          <font style="letter-spacing:-0.2pt;">Berkshire Hills Bancorp, Inc.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The Amended and Restate Bylaws of Berkshire Hills Bancorp, Inc. (the &#8220;Bylaws&#8221;) are hereby amended as follows: </font>
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          <font style="letter-spacing:0.2pt;">1.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;1 of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annual Meeting.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">An annual meeting of the stockholders, for the election of Directors to succeed those whose terms expire and for the transaction of such other business as may properly come before the meeting, shall be held at such place, on such date, and at such time as the Board of Directors shall each year fix, which place, date and time may subsequently be changed at any time by vote of the Board of Directors. If no annual meeting has been held for a period of thirteen (13) months after the Corporation&#8217;s last annual meeting, a special meeting in lieu thereof may be held, and such special meeting shall have, for the purposes of these Bylaws or otherwise, all the force and effect of an annual meeting. Any and all references hereafter in these Bylaws to an annual meeting or annual meetings also shall be deemed to refer to any special meeting(s) in lieu thereof. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">2.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;2 of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Special Meetings.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Subject to the rights of the holders of any class or series of preferred stock of the Corporation, special meetings of stockholders of the Corporation may be called only by the Board of Directors pursuant to a resolution adopted by a majority of the total number of Directors which the Corporation would have if there were no vacancies on the Board of Directors (hereinafter the &#8220;Whole Board&#8221;). Only those matters set forth in the notice of the special meeting may be considered or acted upon at a special meeting of stockholders of the Corporation. Nominations of persons for election to the Board of Directors of the Corporation and stockholder proposals of other business shall not be brought before a special meeting of stockholders to be considered by the stockholders unless such special meeting is held in lieu of an annual meeting of stockholders in accordance with Article&#160;I, Section&#160;1 of these Bylaws, in which case such special meeting in lieu thereof shall be deemed an annual meeting for purposes of these Bylaws and the provisions of Article&#160;I, Section&#160;6 of these Bylaws shall govern such special meeting. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">3.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;6(b) of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;At any annual meeting of the stockholders, only such business shall be conducted as shall have been brought before the meeting (x)&#160;by or at the direction of the Board of Directors or (y)&#160;by any stockholder of the Corporation who is entitled to vote with respect thereto, who is present (in person or by proxy) at the meeting and who complies with the notice procedures set forth in this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6(b)</font><font style="letter-spacing:0.2pt;"> as to such business.&nbsp;&nbsp;&nbsp;For business to be properly brought before an annual meeting by a stockholder pursuant to this </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6(b)</font><font style="letter-spacing:0.2pt;">, (1)&#160;the business must relate to a proper subject matter for stockholder action under Delaware law, (2)&#160;the stockholder must have given Timely Notice (as defined below) thereof in writing to the Secretary of the Corporation, (3)&#160;the stockholder must have provided updates or supplements to such Timely Notice at the times and in the forms required by </font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Section&#160;6(d)</font><font style="letter-spacing:0.2pt;"> and (4)&#160;together with the beneficial owner(s), if any, on whose behalf the business proposal is made, the stockholder must have acted in accordance with the representations set forth in the New Business Solicitation Statement (as defined below) required by this Bylaw. To be timely, a stockholder&#8217;s notice must be delivered or mailed to and received at the principal executive offices of the Corporation not later than the close of business on the ninetieth (90</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;">) day nor earlier than the close of business on the one hundred twentieth (120</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:0.15pt;">th</font><font style="letter-spacing:0.2pt;">) prior to the one-year anniversary of the preceding year&#8217;s annual meeting; provided, however, that in the event the annual meeting is first convened more than thirty (30) days before or more than sixty (60) days after such anniversary date, or if no annual meeting were held in the preceding year, notice by the stockholder to be timely must be received by the Secretary of the Corporation not later than the close of business on the later of the ninetieth (90th) day prior to the scheduled date of such annual </font>
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          <font style="letter-spacing:0.2pt;">E-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">meeting or the tenth (10th) day following the day on which public announcement of the date of such meeting is first made (such notice within such time periods shall be referred to as &#8220;Timely Notice&#8221;). A stockholder&#8217;s Timely Notice to the Secretary shall set forth: </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">as&#160;to each matter such stockholder proposes to bring before the annual meeting, a brief description of the business desired to be brought before the annual meeting, the reasons for conducting such business at the annual meeting, and any material interest in such business of each New Business Proposing Person (as defined below); </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">the name and address of the stockholder giving the notice, as they appear on the Corporation&#8217;s books, and the names and addresses of the other Proposing Persons (if any); </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">as to each Proposing Person, the following information: (A)&#160;the class or series and number of all shares of capital stock of the Corporation which are, directly or indirectly, owned beneficially or of record by such Proposing Person or any of its affiliates or associates (as such terms are defined in Rule&#160;12b-2 promulgated under the Exchange Act), including any shares of any class or series of capital stock of the Corporation as to which such Proposing Person or any of its affiliates or associates has a right to acquire beneficial ownership at any time in the future, (B)&#160;any proxy (other than a revocable proxy given in response to a public proxy solicitation made pursuant to, and in accordance with, the Exchange Act), agreement, arrangement, understanding or relationship pursuant to which such Proposing Person has or shares a right to, directly or indirectly, vote any shares of any class or series of capital stock of the Corporation, (C)&#160;any rights to dividends or other distributions on the shares of any class or series of capital stock of the Corporation, directly or indirectly, owned beneficially by such Proposing Person that are separated or separable from the underlying shares of the Corporation, and (D)&#160;any performance-related fees (other than an asset based fee) that such Proposing Person, directly or indirectly, is entitled to based on any increase or decrease in the value of shares of any class or series of capital stock of the Corporation (the disclosures to be made pursuant to the foregoing clauses (A)&#160;through (D)&#160;are referred to, collectively, as &#8220;Material Ownership Interests&#8221;); </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">a description of the material terms of all agreements, arrangements or understandings (whether or not in writing) entered into by any Proposing Person or any of its affiliates or associates with any other person for the purpose of acquiring, holding, disposing or voting of any shares of any class or series of capital stock of the Corporation; </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(A) a description of all agreements, arrangements or understandings by and among any of the Proposing Persons, or by and among any Proposing Persons and any other person, pertaining to the other business proposed to be brought before the meeting of stockholders (which description shall identify the name of each other person who is party to such an agreement, arrangement or understanding), and (B)&#160;identification of the names and addresses of other stockholders (including beneficial owners) known by any of the Proposing Persons to support such other business proposal(s), and to the extent known the class and number of all shares of the Corporation&#8217;s capital stock owned beneficially or of record by such other stockholder(s) or other beneficial owner(s); and </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">a statement whether or not the stockholder giving the notice and/or the other Proposing Person(s), if any, will deliver a proxy statement and form of proxy to holders of, in the case of a business proposal, at least the&#160;percentage of voting power of all of the shares of capital stock of the Corporation required under applicable law to approve the proposal (such statement, the &#8220;New Business Solicitation Statement&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">For purposes of this Section&#160;6(b) and Section&#160;6(c) below, the term &#8220;Proposing Person&#8221; shall mean the following persons: (i)&#160;the stockholder of record providing the notice of nominations or business proposed to be brought before a stockholders&#8217; meeting, and (ii)&#160;the beneficial owner(s), if different, on whose behalf the nominations or business proposed to be brought before a stockholders&#8217; meeting is made. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Notwithstanding anything in these Bylaws to the contrary, no business shall be brought before or conducted at an annual meeting except in accordance with the provisions of this Section&#160;6(b) or in accordance with Rule&#160;14a-8 under the Exchange Act (or any successor provision thereto). The officer of the Corporation </font>
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          <font style="letter-spacing:0.2pt;">E-2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">or other person presiding over the annual meeting shall, if the facts so warrant, determine and declare to the meeting that business was not properly brought before the meeting in accordance with the provisions of this Section&#160;6(b) and, if he should so determine, he shall so declare to the meeting and any such business so determined to be not properly brought before the meeting shall not be transacted. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">At&#160;any special meeting of the stockholders, only such business shall be conducted as shall have been brought before the meeting by or at the direction of the Board of Directors. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">4.&nbsp;&nbsp;&nbsp;Article&#160;I, Section&#160;6(c) of the Bylaws is hereby deleted in its entirety and replaced with the following: </font>
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          <font style="letter-spacing:0.2pt;">Only persons who are nominated in accordance with the procedures and qualifications set forth in these Bylaws shall be eligible for election as Directors. Nominations of persons for election to the Board of Directors of the Corporation may be made at a meeting of stockholders at which directors are to be elected only (x)&#160;by or at the direction of the Board of Directors or (y)&#160;by any stockholder of the Corporation entitled to vote for the election of Directors at the meeting, who is present (in person or by proxy) at the meeting and who complies with the notice procedures set forth in this Section&#160;6(c) as to such nomination. For nominations to be properly brought before an annual meeting by a stockholder pursuant to this Section&#160;6(c), (1)&#160;the stockholder must have given Timely Notice thereof in writing to the Secretary of the Corporation, (2)&#160;the stockholder must have provided updates or supplements to such Timely Notice at the times and in the forms required by Section&#160;6(d) and (3)&#160;together with the beneficial owner(s), if any, on whose behalf the nomination is made, the stockholder must have acted in accordance with the representations set forth in the Nomination Solicitation Statement (as defined below) required by this Bylaw. A stockholder&#8217;s Timely Notice to the Secretary shall set forth: </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">as to each person whom the stockholder proposes to nominate for election or reelection as a director, all information relating to such person that is required to be disclosed in solicitations of proxies for election of directors in an election contest, or is otherwise required, in each case pursuant to Regulation&#160;14A under the Exchange Act (including such person&#8217;s written consent to being named in the proxy statement as a nominee and to serving as a director if elected); </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">the name and address of the stockholder giving the notice, as they appear on the Corporation&#8217;s books, and the names and addresses of the other Proposing Persons (if any); </font>
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        <div style="margin-left:60pt; margin-top:8pt; width:396pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">as to each Proposing Person, any Material Ownership Interests; </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">a description of the material terms of all agreements, arrangements or understandings (whether or not in writing) entered into by any Proposing Person or any of its affiliates or associates with any other person for the purpose of acquiring, holding, disposing or voting of any shares of any class or series of capital stock of the Corporation; </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(A) a description of all agreements, arrangements or understandings by and among any of the Proposing Persons, or by and among any Proposing Persons and any other person (including with any proposed nominee(s)), pertaining to the nomination(s) proposed to be brought before the meeting of stockholders (which description shall identify the name of each other person who is party to such an agreement, arrangement or understanding), and (B)&#160;identification of the names and addresses of other stockholders (including beneficial owners) known by any of the Proposing Persons to support such nomination(s), and to the extent known the class and number of all shares of the Corporation&#8217;s capital stock owned beneficially or of record by such other stockholder(s) or other beneficial owner(s); and </font>
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        <div style="margin-left:40pt; text-indent:20pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">a statement whether or not the stockholder giving the notice and/or the other Proposing Person(s), if any, will deliver a proxy statement and form of proxy to holders of at least the&#160;percentage of voting power of all of the shares of capital stock of the Corporation reasonably believed by such Proposing Person to be sufficient to elect the nominee or nominees proposed to be nominated by such stockholder (such statement, the &#8220;Nomination Solicitation Statement&#8221;). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">No person shall be eligible for election as a Director of the Corporation unless nominated in accordance with the provisions of this Section&#160;6(c). The officer of the Corporation or other person presiding at the meeting shall, if the facts so warrant, determine that a nomination was not made in accordance with such </font>
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          <font style="letter-spacing:0.2pt;">E-3</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">provisions and, if he or she shall so determine, he or she shall so declare to the meeting and the defective nomination shall be disregarded. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">5.&nbsp;&nbsp;&nbsp;A new Article&#160;IX in is hereby inserted in its entirety: </font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">ARTICLE IX </font>
          <br >
          <font style="letter-spacing:-0.2pt;">CERTAIN&#160;GOVERNANCE MATTERS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Interpretations; Definitions.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The provisions of this Article&#160;IX shall apply notwithstanding anything to the contrary set forth in these Bylaws. In the event of any inconsistency between any provision of this Article&#160;IX and any other provision of these Bylaws, such provision of this Article&#160;IX shall control. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The following definitions shall apply to this Article&#160;IX and otherwise as applicable in these Bylaws: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;Effective Date&#8221; shall mean the effective date of the merger of the Brookline Bancorp, Inc. with and into the Corporation. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;Specified Period&#8221; shall mean the period beginning on the Effective Date and ending on the two-year anniversary of the Effective Date. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Chairman of the Board.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">David M. Brunelle shall serve as the Chairman of the Board during the Specified Period (assuming Mr.&#160;Brunelle is elected for a second term following the Effective Date). </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Certain Executive Officers.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;Paul A. Perrault shall serve as President and Chief Executive Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Carl M. Carlson shall serve as the Chief Financial and Strategy Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Sean A. Gray shall serve as the Chief Operations Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Michael W. McCurdy shall serve as the Chief Banking Officer of the Corporation effective as of the Effective Date. </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Mark Meiklejohn shall serve as the Chief Credit Officer of the Corporation effective as of the Effective Date. </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Board Actions.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">During the Specified Period, the affirmative vote of at least two-thirds of the members of the Board of Directors shall be required to: </font>
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          <font style="letter-spacing:0.2pt;">remove Mr.&#160;Perrault, Mr.&#160;Carlson, Mr.&#160;Gray, Mr.&#160;McCurdy or Mr.&#160;Meiklejohn from their respective offices; and </font>
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        <div style="text-indent:40pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">approve any merger or consolidation of the Corporation with and into any other corporation. </font>
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          <font style="letter-spacing:0.2pt;">Section&#160;3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Amendment.</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">During the Specified Period, the provisions of this Article&#160;IX shall not be modified, amended or repealed and any Bylaws provision inconsistent with such provisions may be adopted, except upon the affirmative vote of at least two-thirds of the members of the Board of Directors.</font>
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          <font style="letter-spacing:0.2pt;">E-4</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tANF">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">ANNEX F</font>&#8203;</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font>
          <br >
          <font style="letter-spacing:-0.2pt;">2025 STOCK OPTION AND INCENTIVE PLAN</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">SECTION 1.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">GENERAL PURPOSE OF THE PLAN; DEFINITIONS</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The name of the plan is the Berkshire Hills Bancorp, Inc. 2025 Stock Option and Incentive Plan (as amended from time to time, the &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Plan</font><font style="letter-spacing:0.2pt;">&#8221;). The purpose of the Plan is to encourage and enable the officers, employees, Non-Employee Directors and Consultants of Berkshire Hills Bancorp, Inc. (the &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Company</font><font style="letter-spacing:0.2pt;">&#8221;) and its Subsidiaries upon whose judgment, initiative and efforts the Company largely depends for the successful conduct of its business to acquire a proprietary interest in the Company. It is anticipated that providing such persons with a direct stake in the Company&#8217;s welfare will assure a closer identification of their interests with those of the Company and its stockholders, thereby stimulating their efforts on the Company&#8217;s behalf and strengthening their desire to remain with the Company. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The following terms shall be defined as set forth below: </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Act&#8221;</font><font style="letter-spacing:0.2pt;"> means the U.S. Securities Act of 1933, as amended, and the rules and regulations thereunder. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Administrator&#8221;</font><font style="letter-spacing:0.2pt;"> means either the Board or the compensation committee of the Board or a similar committee performing the functions of the compensation committee and that is comprised of not less than two Non-Employee Directors who are independent. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">&#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Affiliate</font><font style="letter-spacing:0.2pt;">&#8221; means, at the time of determination, any &#8220;parent&#8221; or &#8220;subsidiary&#8221; of the Company as such terms are defined in Rule&#160;405 of the Act. The Board will have the authority to determine the time or times at which &#8220;parent&#8221; or &#8220;subsidiary&#8221; status is determined within the foregoing definition. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Award&#8221;</font><font style="letter-spacing:0.2pt;"> or </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Awards,&#8221;</font><font style="letter-spacing:0.2pt;"> except where referring to a particular category of grant under the Plan, shall include Incentive Stock Options, Non-Qualified Stock Options, Stock Appreciation Rights, Restricted Stock Units, Restricted Stock Awards, Unrestricted Stock Awards, Cash-Based Awards, and Dividend Equivalent Rights. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Award Certificate&#8221;</font><font style="letter-spacing:0.2pt;"> means a written or electronic document setting forth the terms and provisions applicable to an Award granted under the Plan. Each Award Certificate is subject to the terms and conditions of the Plan. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Board&#8221;</font><font style="letter-spacing:0.2pt;"> means the Board of Directors of the Company. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Cash-Based Award&#8221;</font><font style="letter-spacing:0.2pt;"> means an Award entitling the recipient to receive a cash-denominated payment granted pursuant to Section&#160;10. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Closing Date&#8221;</font><font style="letter-spacing:0.2pt;"> means the date of the closing of the transactions contemplated by that certain Agreement and Plan of Merger, dated as of December&#160;16, 2024, by and among the Company, Commerce Acquisition Sub, Inc. and Brookline Bancorp, Inc. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Code&#8221;</font><font style="letter-spacing:0.2pt;"> means the Internal Revenue Code of 1986, as amended, and any successor Code, and related rules, regulations and interpretations. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Consultant&#8221;</font><font style="letter-spacing:0.2pt;"> means a consultant or adviser who provides </font><font style="font-style:italic;letter-spacing:0.2pt;">bona fide</font><font style="letter-spacing:0.2pt;"> services to the Company or an Affiliate as an independent contractor and who qualifies as a consultant or advisor under Instruction&#160;A.1.(a)(1) of Form S-8 under the Act. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Dividend Equivalent Right&#8221;</font><font style="letter-spacing:0.2pt;"> means an Award entitling the grantee to receive credits based on ordinary cash dividends that would have been paid on the shares of Stock specified in the Dividend Equivalent Right (or other Award to which it relates) granted pursuant to Section&#160;11. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Effective Date&#8221;</font><font style="letter-spacing:0.2pt;"> means the date on which the Plan becomes effective as set forth in Section&#160;19. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Exchange Act&#8221;</font><font style="letter-spacing:0.2pt;"> means the U.S. Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder. </font>
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          <font style="letter-spacing:0.2pt;">F-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Fair Market Value&#8221;</font><font style="letter-spacing:0.2pt;"> of the Stock on any given date means the fair market value of the Stock determined in good faith by the Administrator; provided, however, that if the Stock is listed on the National Association of Securities Dealers Automated Quotation System (&#8220;NASDAQ&#8221;), NASDAQ Global Market, The New&#160;York Stock Exchange or another national securities exchange or traded on any established market, the determination shall be made by reference to the closing price on such date. If there is no closing price for such date, the determination shall be made by reference to the last date preceding such date for which there is a closing price. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Incentive Stock Option&#8221;</font><font style="letter-spacing:0.2pt;"> means any Stock Option designated and qualified as an &#8220;incentive stock option&#8221; as defined in Section&#160;422 of the Code. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Minimum Vesting Period&#8221;</font><font style="letter-spacing:0.2pt;"> means the one-year period following the date of grant of an Award. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Non-Employee Director&#8221;</font><font style="letter-spacing:0.2pt;"> means a member of the Board who is not also an employee of the Company or any Subsidiary. </font>
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        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Non-Qualified Stock Option&#8221;</font><font style="letter-spacing:0.2pt;"> means any Stock Option that is not an Incentive Stock Option. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Option&#8221;</font><font style="letter-spacing:0.2pt;"> or </font><font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Stock Option&#8221;</font><font style="letter-spacing:0.2pt;"> means any option to purchase shares of Stock granted pursuant to Section&#160;5. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Restricted Shares&#8221;</font><font style="letter-spacing:0.2pt;"> means the shares of Stock underlying a Restricted Stock Award that remain subject to a risk of forfeiture or the Company&#8217;s right of repurchase. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Restricted Stock Award&#8221;</font><font style="letter-spacing:0.2pt;"> means an Award of Restricted Shares granted pursuant to Section&#160;7. </font>
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          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Restricted Stock Units&#8221;</font><font style="letter-spacing:0.2pt;"> means an Award of stock&#160;units granted pursuant to Section&#160;8. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Sale Event&#8221;</font><font style="letter-spacing:0.2pt;"> means (i)&#160;the sale of all or substantially all of the assets of the Company on a consolidated basis to an unrelated person or entity, (ii)&#160;a merger, reorganization or consolidation pursuant to which the holders of the Company&#8217;s outstanding voting power and outstanding stock immediately prior to such transaction do not own a majority of the outstanding voting power and outstanding stock or other equity interests of the resulting or successor entity (or its ultimate parent, if applicable) immediately upon completion of such transaction, (iii)&#160;the sale of all of the Stock of the Company to an unrelated person, entity or group thereof acting in concert, or (iv)&#160;any other transaction in which the owners of the Company&#8217;s outstanding voting power immediately prior to such transaction do not own at least a majority of the outstanding voting power of the Company or any successor entity immediately upon completion of the transaction other than as a result of the acquisition of securities directly from the Company. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Notwithstanding the foregoing, if any part of an Award constitutes &#8220;nonqualified deferred compensation&#8221; within the meaning of Section&#160;409A, an event shall only constitute a Sale Event if such event also constitutes a &#8220;change in ownership or effective control&#8221; of the Company or &#8220;change in ownership of a substantial portion of the assets&#8221; of the Company within the meaning of Section&#160;409A. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Sale Price</font><font style="letter-spacing:0.2pt;">&#8221; means the value as determined by the Administrator of the consideration payable, or otherwise to be received by stockholders, per share of Stock pursuant to a Sale Event. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Section&#160;409A&#8221;</font><font style="letter-spacing:0.2pt;"> means Section&#160;409A of the Code and the regulations and other guidance promulgated thereunder. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Service Relationship&#8221;</font><font style="letter-spacing:0.2pt;"> means any relationship as an employee, director or Consultant of the Company or any Affiliate. Unless otherwise set forth in the applicable Award Certificate, a Service Relationship shall be deemed to continue without interruption in the event the grantee&#8217;s status changes from full-time employee to part-time employee, Non-Employee Director or Consultant or vice versa, provided that there is no interruption or other termination of Service Relationship in connection with the grantee&#8217;s change in capacity). </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Stock&#8221;</font><font style="letter-spacing:0.2pt;"> means the Common Stock, par value $0.01 per share, of the Company, subject to adjustments pursuant to Section&#160;3. </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">F-2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Stock Appreciation Right&#8221;</font><font style="letter-spacing:0.2pt;"> means an Award entitling the recipient to receive shares of Stock (or cash, to the extent explicitly provided for in the applicable Award Certificate) granted pursuant to Section&#160;6. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Subsidiary&#8221;</font><font style="letter-spacing:0.2pt;"> means any corporation or other entity (other than the Company) in which the Company has at least a 50% interest, either directly or indirectly. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Ten Percent Owner&#8221;</font><font style="letter-spacing:0.2pt;"> means an employee who owns or is deemed to own (by reason of the attribution rules of Section&#160;424(d) of the Code) more than 10% of the combined voting power of all classes of stock of the Company or any parent or subsidiary corporation. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="font-style:italic;letter-spacing:0.2pt;">&#8220;Unrestricted Stock Award&#8221;</font><font style="letter-spacing:0.2pt;"> means an Award of shares of Stock free of any restrictions granted pursuant to Section&#160;9. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 2.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ADMINISTRATION OF PLAN; ADMINISTRATOR AUTHORITY TO SELECT GRANTEES AND DETERMINE AWARDS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Administration of Plan</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Plan shall be administered by the Administrator. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Powers of Administrator</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator shall have the power and authority to grant Awards consistent with the terms of the Plan, including the power and authority: </font>
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        <div style="margin-left:40pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;to select the individuals to whom Awards may from time to time be granted; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;to determine the time or times of grant, and the extent, if any, of Incentive Stock Options, Non-Qualified Stock Options, Stock Appreciation Rights, Restricted Stock Awards, Restricted Stock Units, Unrestricted Stock Awards, Cash-Based Awards, and Dividend Equivalent Rights, or any combination of the foregoing, granted to any one or more grantees; </font>
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        <div style="margin-left:40pt; margin-top:8pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(iii)&nbsp;&nbsp;&nbsp;to determine the number of shares of Stock to be covered by any Award; </font>
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          <font style="letter-spacing:0.2pt;">(iv)&nbsp;&nbsp;&nbsp;to determine and modify from time to time the terms and conditions, including restrictions, not inconsistent with the terms of the Plan, of any Award, which terms and conditions may differ among individual Awards and grantees, and to approve the forms of Award Certificates; </font>
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          <font style="letter-spacing:0.2pt;">(v)&nbsp;&nbsp;&nbsp;to accelerate at any time the exercisability or vesting of all or any portion of any Award; </font>
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          <font style="letter-spacing:0.2pt;">(vi)&nbsp;&nbsp;&nbsp;subject to the provisions of Section&#160;5(c) or Section&#160;6(d), as applicable, to extend at any time the period in which Stock Options or Stock Appreciation Rights may be exercised; </font>
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          <font style="letter-spacing:0.2pt;">(vii)&nbsp;&nbsp;&nbsp;at any time to adopt, alter and repeal such rules, guidelines and practices for administration of the Plan and for its own acts and proceedings as it deems advisable; </font>
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          <font style="letter-spacing:0.2pt;">(viii)&nbsp;&nbsp;&nbsp;to interpret the terms and provisions of the Plan and any Award (including related written and electronic instruments); </font>
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          <font style="letter-spacing:0.2pt;">(ix)&nbsp;&nbsp;&nbsp;to make all determinations it deems advisable for the administration of the Plan; </font>
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          <font style="letter-spacing:0.2pt;">(x)&nbsp;&nbsp;&nbsp;to decide all disputes arising in connection with the Plan; and </font>
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          <font style="letter-spacing:0.2pt;">(xi)&nbsp;&nbsp;&nbsp;to otherwise supervise the administration of the Plan. </font>
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          <font style="letter-spacing:0.2pt;">All decisions and interpretations of the Administrator shall be binding on all persons, including the Company, Affiliates and Plan grantees. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Delegation of Authority to Grant Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to applicable law, the Administrator, in its discretion, may delegate to a subcommittee comprised of one or more members of the Board or committee comprised of one or more officers of the Company, including the Chief Executive Officer of the Company, all or part of the Administrator&#8217;s authority and duties with respect to the granting of Awards to individuals who are not (i)&#160;subject to the reporting and other provisions of Section&#160;16 of the Exchange Act or (ii)&#160;members of the delegated subcommittee or committee. Any such delegation by the Administrator shall include a time period for the delegation and a limitation as to the amount of Stock underlying Awards that may be granted during the period of the delegation and shall contain guidelines as to the determination of </font>
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          <font style="letter-spacing:0.2pt;">the exercise price and the vesting criteria. The Administrator may revoke or amend the terms of a delegation at any time but such action shall not invalidate any prior actions of the Administrator&#8217;s delegate or delegates that were consistent with the terms of the Plan. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Award Certificate</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Other than with respect to Cash-Based Awards, Awards under the Plan shall be evidenced by Award Certificates that set forth the terms, conditions and limitations for each Award which may include, without limitation, the term of an Award and the provisions applicable in the event employment or service terminates. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Indemnification</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Neither the Board nor the Administrator, nor any member of either or any delegate thereof, shall be liable for any act, omission, interpretation, construction or determination made in good faith in connection with the Plan, and the members of the Board and the Administrator (and any delegate thereof) shall be entitled in all cases to indemnification and reimbursement by the Company in respect of any claim, loss, damage or expense (including, without limitation, reasonable attorneys&#8217; fees) arising or resulting therefrom to the fullest extent permitted by law and/or under the Company&#8217;s articles or bylaws or any directors&#8217; and officers&#8217; liability insurance coverage that may be in effect from time to time and/or any indemnification agreement between such individual and the Company. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Non-U.S. Award Recipients</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Notwithstanding any provision of the Plan to the contrary, in order to comply, or facilitate compliance, with the laws in other countries in which the Company and its Affiliates operate or have employees or other individuals eligible for Awards, the Administrator, in its sole discretion, shall have the power and authority to: (i)&#160;determine which Affiliates are covered by the Plan; (ii)&#160;determine which individuals outside the United States are eligible to participate in the Plan; (iii)&#160;modify the terms and conditions of any Award granted to individuals outside the United States to comply, or facilitate compliance, with applicable non-U.S. laws; (iv)&#160;establish subplans and modify exercise procedures and other terms and procedures, to the extent the Administrator determines such actions to be necessary or advisable (and such subplans and/or modifications shall be incorporated into and made part of this Plan); provided, however, that no such subplans and/or modifications shall increase the share limitations contained in Section&#160;3(a) hereof; and (v)&#160;take any action, before or after an Award is made, that the Administrator determines to be necessary or advisable to obtain approval or comply, or facilitate compliance, with any local governmental regulatory exemptions or approvals. Notwithstanding the foregoing, the Administrator may not take any actions hereunder, and no Awards shall be granted, that would violate the Exchange Act or any other applicable United States securities law, the Code or any other applicable United States governing statute or law. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Minimum Vesting Period</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The vesting period for each Award granted under the Plan must be at least equal to the Minimum Vesting Period; provided, however, that (i)&#160;nothing in this Section&#160;2(g) shall limit the Administrator&#8217;s authority to accelerate the vesting of Awards as set forth in Section&#160;2(b)(v) above; (ii)&#160;notwithstanding the foregoing, up to 5% of the shares of Stock authorized for issuance under the Plan may be utilized for Unrestricted Stock Awards or other Awards with a vesting period that is less than the Minimum Vesting Period (each such Award, an &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">Excepted Award</font><font style="letter-spacing:0.2pt;">&#8221;); and (iii)&#160;notwithstanding the foregoing, annual Awards to Non-Employee Directors that occur in connection with the Company&#8217;s annual meeting of stockholders may vest on the date of the Company&#8217;s next annual meeting of stockholders; provided, however, that in no event will the vesting period for any such award be less than 50 weeks. Notwithstanding the foregoing, in addition to Excepted Awards, the Administrator may grant Awards that vest (or permit previously granted Awards to vest) within the Minimum Vesting Period (i)&#160;if such Awards are granted as substitute Awards in replacement of other Awards (or awards previously granted by an entity being acquired (or assets of which are being acquired)) that were scheduled to vest within the Minimum Vesting Period or (ii)&#160;if such Awards are being granted in connection with an elective deferral of cash compensation that, absent a deferral election, otherwise would have been paid to the grantee within the Minimum Vesting Period. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 3.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">STOCK ISSUABLE UNDER THE PLAN; MERGERS; SUBSTITUTION</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stock Issuable</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to adjustment as provided in this Section&#160;3, the maximum number of shares of Stock reserved and available for issuance under the Plan shall be 3,300,000 shares. Subject to such overall limitation, the maximum aggregate number of shares of Stock that may be issued in the form of Incentive Stock Options shall not exceed 3,300,000 shares, subject in all cases to adjustment as provided in Section&#160;3(b). For purposes of these limitations, the shares of Stock underlying any awards under the Plan that </font>
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          <font style="letter-spacing:0.2pt;">are forfeited, canceled or otherwise terminated (other than by exercise) shall be added back to the shares of Stock available for issuance under the Plan and, to the extent permitted under Section&#160;422 of the Code and the regulations promulgated thereunder, the shares of Stock that may be issued as Incentive Stock Options. Notwithstanding the foregoing, the following shares shall not be added to the shares authorized for grant under the Plan: (i)&#160;shares tendered or held back upon exercise of an Option or settlement of an Award to cover the exercise price or tax withholding and (ii)&#160;shares subject to a Stock Appreciation Right that are not issued in connection with the stock settlement of the Stock Appreciation Right upon exercise thereof. In the event the Company repurchases shares of Stock on the open market, such shares shall not be added to the shares of Stock available for issuance under the Plan. Subject to such overall limitations, shares of Stock may be issued up to such maximum number pursuant to any type or types of Award. The shares available for issuance under the Plan may be authorized but unissued shares of Stock or shares of Stock reacquired by the Company. Awards that may be settled solely in cash shall not be counted against the share reserve. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Changes in Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Subject to Section&#160;3(c) hereof, if, as a result of any reorganization, recapitalization, reclassification, stock dividend, extraordinary cash dividend, stock split, reverse stock split or other similar change in the Company&#8217;s capital stock, the outstanding shares of Stock are increased or decreased or are exchanged for a different number or kind of shares or other securities of the Company, or additional shares or new or different shares or other securities of the Company or other non-cash assets are distributed with respect to such shares of Stock or other securities, or, if, as a result of any merger, consolidation, or sale of all or substantially all of the assets of the Company, the outstanding shares of Stock are converted into or exchanged for securities of the Company or any successor entity (or a parent or subsidiary thereof), the Administrator shall make an appropriate or proportionate adjustment in (i)&#160;the maximum number of shares reserved for issuance under the Plan, including the maximum number of shares that may be issued in the form of Incentive Stock Options, (ii)&#160;the number and kind of shares or other securities subject to any then outstanding Awards under the Plan, (iii)&#160;the repurchase price, if any, per share subject to each outstanding Restricted Stock Award, and (iv)&#160;the exercise price for each share subject to any then outstanding Stock Options and Stock Appreciation Rights under the Plan, without changing the aggregate exercise price (i.e., the exercise price multiplied by the number of shares subject to Stock Options and Stock Appreciation Rights) as to which such Stock Options and Stock Appreciation Rights remain exercisable. The Administrator shall also make equitable or proportionate adjustments in the number of shares subject to outstanding Awards and the exercise price and the terms of outstanding Awards to take into consideration cash dividends paid other than in the ordinary course or any other extraordinary corporate event. The adjustment by the Administrator shall be final, binding and conclusive. No fractional shares of Stock shall be issued under the Plan resulting from any such adjustment, but the Administrator in its discretion may make a cash payment in lieu of fractional shares. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Mergers and Other Transactions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;In the case of and subject to the consummation of a Sale Event, the parties thereto may cause the assumption or continuation of Awards theretofore granted by the successor entity, or the substitution of such Awards with new Awards of the successor entity or parent thereof, with appropriate adjustment as to the number and kind of shares and, if appropriate, the per share exercise prices, as such parties shall agree. To the extent the parties to such Sale Event do not provide for the assumption, continuation or substitution of Awards, upon the effective time of the Sale Event, the Plan and all outstanding Awards granted hereunder shall terminate. In such case, except as may be otherwise provided in the relevant Award Certificate, all Awards with time-based vesting, conditions or restrictions shall become fully vested and exercisable or nonforfeitable as of the effective time of the Sale Event, and all Awards with conditions and restrictions relating to the attainment of performance goals shall become vested and exercisable or nonforfeitable in connection with a Sale Event at the greater of (i)&#160;100% of target levels and (ii)&#160;the levels determined based on actual performance against the applicable performance conditions as of the date of the Sale Event (if determinable). In the event of such termination, (i)&#160;the Company shall have the option (in its sole discretion) to make or provide for a payment, in cash or in kind, to the grantees holding Options and Stock Appreciation Rights, in exchange for the cancellation thereof, in an amount equal to the difference between (A)&#160;the Sale Price multiplied by the number of shares of Stock subject to outstanding Options and Stock Appreciation Rights (to the extent then exercisable (after taking into account any acceleration hereunder) at prices not in excess of the Sale Price) and (B)&#160;the aggregate exercise price of all such outstanding Options and Stock Appreciation Rights (provided that, in the case of an Option or Stock Appreciation Right with an exercise price equal to or greater than the Sale Price, such Option or Stock Appreciation Right shall be cancelled for no consideration); or (ii)&#160;each grantee shall be permitted, </font>
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          <font style="letter-spacing:0.2pt;">within a specified period of time prior to the consummation of the Sale Event as determined by the Administrator, to exercise all outstanding Options and Stock Appreciation Rights (to the extent then exercisable after taking into account any acceleration hereunder) held by such grantee. The Company shall also have the option, in its sole discretion, to make or provide for a payment, in cash or in kind, to the grantees holding other Awards, in exchange for the cancellation thereof, in an amount equal to the Sale Price multiplied by the number of vested shares of Stock under such Awards (after taking into account any acceleration hereunder). </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Maximum Awards to Non-Employee Directors</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary in this Plan, the value of all Awards awarded under this Plan and all other cash compensation paid by the Company to any Non-Employee Director in any calendar year for service as a Non-Employee Director shall not exceed $725,000; provided, however, that such amount shall be $870,000 for the calendar year in which the applicable Non-Employee Director is initially elected or appointed to the Board. For the purpose of these limitations, the value of any Award shall be its grant date fair value, as determined in accordance with FASB ASC Topic 718 or successor provision but excluding the impact of estimated forfeitures related to service-based vesting provisions. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Substitute Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Awards under the Plan in substitution for shares and share-based awards held by employees, directors or consultants of another corporation in connection with the merger or consolidation of the employing corporation with the Company or a Subsidiary or the acquisition by the Company or a Subsidiary of property or shares of the employing corporation. The Administrator may direct that the substitute Awards be granted on such terms and conditions as the Administrator considers appropriate in the circumstances. To the extent permitted by applicable law, any substitute Awards granted under the Plan shall not count against the Share limitation set forth in Section&#160;3(a). </font>
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          <font style="letter-spacing:0.2pt;">SECTION 4.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ELIGIBILITY</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Grantees under the Plan will be such employees, Non-Employee Directors or Consultants of the Company and its Affiliates as are selected from time to time by the Administrator in its sole discretion; provided that Awards may not be granted to employees, Non-Employee Directors or Consultants who are providing services only to any &#8220;parent&#8221; of the Company, as such term is defined in Rule&#160;405 of the Act, unless (i)&#160;the stock underlying the Awards is treated as &#8220;service recipient stock&#8221; under Section&#160;409A or (ii)&#160;the Company, in consultation with its legal counsel, has determined that such Awards are exempt from or otherwise comply with Section&#160;409A. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 5.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">STOCK OPTIONS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Award of Stock Options</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Stock Options under the Plan. Any Stock Option granted under the Plan shall be in such form as the Administrator may from time to time approve. </font>
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          <font style="letter-spacing:0.2pt;">Stock Options granted under the Plan may be either Incentive Stock Options or Non-Qualified Stock Options. Incentive Stock Options may be granted only to employees of the Company or any Subsidiary that is a &#8220;subsidiary corporation&#8221; within the meaning of Section&#160;424(f) of the Code. To the extent that any Option does not qualify as an Incentive Stock Option, it shall be deemed a Non-Qualified Stock Option. </font>
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          <font style="letter-spacing:0.2pt;">Stock Options shall be subject to the following terms and conditions and shall contain such additional terms and conditions, not inconsistent with the terms of the Plan, as the Administrator deems desirable. If the Administrator so determines, Stock Options may be granted in lieu of cash compensation at the optionee&#8217;s election, subject to such terms and conditions as the Administrator may establish. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exercise Price</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The exercise price per share for the Stock covered by a Stock Option shall be determined by the Administrator at the time of grant but shall not be less than 100% of the Fair Market Value on the date of grant. In the case of an Incentive Stock Option that is granted to a Ten Percent Owner, the exercise price of such Incentive Stock Option shall be not less than 110% of the Fair Market Value on the grant date. Notwithstanding the foregoing, Stock Options may be granted with an exercise price per share that is less than 100% of the Fair Market Value on the date of grant (i)&#160;pursuant to a transaction described </font>
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          <font style="letter-spacing:0.2pt;">in, and in a manner consistent with, Section&#160;424(a) of the Code, (ii)&#160;to individuals who are not subject to U.S. income tax on the date of grant, or (iii)&#160;if the Stock Option is otherwise exempt from or compliant with Section&#160;409A. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Option Term</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The term of each Stock Option shall be fixed by the Administrator, but no Stock Option shall be exercisable more than ten&#160;years after the date the Stock Option is granted. In the case of an Incentive Stock Option that is granted to a Ten Percent Owner, the term of such Stock Option shall be no more than five&#160;years from the date of grant. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exercisability; Rights of a Stockholder</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Stock Options shall become exercisable at such time or times, whether or not in installments, as determined by the Administrator at or after the grant date. An optionee shall have the rights of a stockholder only as to shares acquired upon the exercise of a Stock Option and not as to unexercised Stock Options. </font>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Method of Exercise</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Stock Options may be exercised in whole or in part, by giving written or electronic notice of exercise to the Company, specifying the number of shares to be purchased. Payment of the exercise price may be made by one or more of the following methods except to the extent otherwise provided in the Award Certificate: </font>
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          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;In cash, by certified or bank check or other instrument acceptable to the Administrator; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;Through the delivery (or attestation to the ownership following such procedures as the Company may prescribe) of shares of Stock that are not then subject to restrictions under any Company plan. Such surrendered shares shall be valued at Fair Market Value on the exercise date; </font>
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          <font style="letter-spacing:0.2pt;">(iii)&nbsp;&nbsp;&nbsp;By the optionee delivering to the Company a properly executed exercise notice together with irrevocable instructions to a broker to promptly deliver to the Company cash or a check payable and acceptable to the Company for the exercise price; provided that in the event the optionee chooses to pay the exercise price as so provided, the optionee and the broker shall comply with such procedures and enter into such agreements of indemnity and other agreements as the Company may prescribe as a condition of such payment procedure; or </font>
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          <font style="letter-spacing:0.2pt;">(iv)&nbsp;&nbsp;&nbsp;With respect to Stock Options that are not Incentive Stock Options, by a &#8220;net exercise&#8221; arrangement pursuant to which the Company will reduce the number of shares of Stock issuable upon exercise by the largest whole number of shares with a Fair Market Value that does not exceed the aggregate exercise price. </font>
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          <font style="letter-spacing:0.2pt;">Payment instruments will be received subject to collection. The transfer to the optionee on the records of the Company or of the transfer agent of the shares of Stock to be purchased pursuant to the exercise of a Stock Option will be contingent upon receipt from the optionee (or a purchaser acting in the optionee&#8217;s stead in accordance with the provisions of the Stock Option) by the Company of the full exercise price for such shares and the fulfillment of any other requirements contained in the Award Certificate or applicable provisions of laws (including the satisfaction of any withholding taxes that the Company or an Affiliate is obligated to withhold with respect to the optionee). In the event an optionee chooses to pay the exercise price by previously-owned shares of Stock through the attestation method, the number of shares of Stock transferred to the optionee upon the exercise of the Stock Option shall be net of the number of attested shares. In the event that the Company establishes, for itself or using the services of a third party, an automated system for the exercise of Stock Options, such as a system using an internet website or interactive voice response, then the paperless exercise of Stock Options may be permitted through the use of such an automated system. </font>
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          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Annual Limit on Incentive Stock Options</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;To the extent required for &#8220;incentive stock option&#8221; treatment under Section&#160;422 of the Code, the aggregate Fair Market Value (determined as of the time of grant) of the shares of Stock with respect to which Incentive Stock Options granted under this Plan and any other plan of the Company or its parent and subsidiary corporations become exercisable for the first time by an optionee during any calendar year shall not exceed $100,000. To the extent that any Stock Option exceeds this limit, it shall be a Non-Qualified Stock Option. </font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">SECTION 6.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">STOCK APPRECIATION RIGHTS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Award of Stock Appreciation Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Stock Appreciation Rights under the Plan. A Stock Appreciation Right is an Award entitling the recipient to receive shares of Stock (or cash, to the extent explicitly provided for in the applicable Award Certificate) having a value equal to the excess of the Fair Market Value of a share of Stock on the date of exercise over the exercise price of the Stock Appreciation Right multiplied by the number of shares of Stock with respect to which the Stock Appreciation Right is exercised. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Exercise Price of Stock Appreciation Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The exercise price of a Stock Appreciation Right shall not be less than 100% of the Fair Market Value of the Stock on the date of grant. Notwithstanding the foregoing, Stock Appreciation Rights may be granted with an exercise price per share that is less than 100% of the Fair Market Value on the date of grant (i)&#160;pursuant to a transaction described in, and in a manner consistent with, Section&#160;424(a) of the Code, (ii)&#160;to individuals who are not subject to U.S. income tax on the date of grant, or (iii)&#160;if the Stock Appreciation Right is otherwise exempt from or compliant with Section&#160;409A. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Grant and Exercise of Stock Appreciation Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Stock Appreciation Rights may be granted by the Administrator independently of any Stock Option granted pursuant to the Plan. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Terms and Conditions of Stock Appreciation Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Stock Appreciation Rights shall be subject to such terms and conditions as determined by the Administrator on or after the date of grant. The term of a Stock Appreciation Right may not exceed ten&#160;years. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 7.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">RESTRICTED STOCK AWARDS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Nature of Restricted Stock Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Restricted Stock Awards under the Plan. A Restricted Stock Award is any Award of Restricted Shares subject to such restrictions and conditions as the Administrator determines at or after the time of grant. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Rights as a Stockholder</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Upon the grant of a Restricted Stock Award and payment of any applicable purchase price, if any, a grantee shall have the rights of a stockholder with respect to the voting of the Restricted Shares and receipt of dividends; provided that any dividends paid by the Company during the vesting period shall accrue and shall not be paid to the grantee until and to the extent the Restricted Stock Award vests. Unless the Administrator determines otherwise, (i)&#160;uncertificated Restricted Shares shall be accompanied by a notation on the records of the Company or the transfer agent to the effect that they are subject to forfeiture until such Restricted Shares are vested as provided in Section&#160;7(d) below, and (ii)&#160;certificated Restricted Shares shall remain in the possession of the Company until such Restricted Shares are vested as provided in Section&#160;7(d) below, and the grantee shall be required, as a condition of the grant, to deliver to the Company such instruments of transfer as the Administrator may prescribe. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Restrictions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Restricted Shares may not be sold, assigned, transferred, pledged or otherwise encumbered or disposed of except as specifically provided herein or in the Award Certificate. Except as otherwise provided by the Administrator either in the Award Certificate or, subject to Section&#160;16 below, in writing after the Award is issued, if a grantee&#8217;s employment (or other Service Relationship) with the Company and its Affiliates terminates for any reason, any Restricted Shares that have not vested at the time of termination shall automatically and without any requirement of notice to such grantee from or other action by or on behalf of, the Company be deemed to have been reacquired by the Company from such grantee or such grantee&#8217;s legal representative simultaneously with such termination of employment (or other Service Relationship) at the lesser of their original purchase price (if any) or the Fair Market Value at the time of repurchase, and thereafter shall cease to represent any ownership of the Company by the grantee or rights of the grantee as a stockholder. Following such deemed reacquisition of Restricted Shares that are represented by physical certificates, a grantee shall surrender such certificates to the Company upon request without consideration. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Vesting of Restricted Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator at or after the time of grant shall specify the date or dates and/or the attainment of pre-established performance goals, objectives or other conditions on which the non-transferability of the Restricted Shares and the Company&#8217;s right of repurchase or forfeiture shall lapse. Subsequent to such date or dates and/or the attainment of such pre-established performance goals, </font>
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          <font style="letter-spacing:0.2pt;">objectives or other conditions, the shares on which all restrictions have lapsed shall no longer be Restricted Shares and shall be deemed &#8220;vested.&#8221; </font>
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          <font style="letter-spacing:0.2pt;">SECTION 8.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">RESTRICTED STOCK UNITS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Nature of Restricted Stock Units</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Restricted Stock Units under the Plan. A Restricted Stock Unit is an Award of stock&#160;units that may be settled in shares of Stock (or cash, to the extent explicitly provided for in the Award Certificate) upon the satisfaction of such restrictions and conditions at the time of grant. Except in the case of Restricted Stock Units with a deferred settlement date that complies with Section&#160;409A, at the end of the vesting period, Restricted Stock Units, to the extent vested, shall be settled in the form of shares of Stock (or cash, to the extent explicitly provided for in the Award Certificate). Restricted Stock Units with deferred settlement dates granted to U.S. taxpayers are subject to Section&#160;409A and shall contain such additional terms and conditions as the Administrator may determine in its sole discretion in order to comply with the requirements of Section&#160;409A. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Election to Receive Restricted Stock Units in Lieu of Compensation</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may, in its sole discretion, permit a grantee to elect to receive a portion of future cash compensation otherwise due to such grantee in the form of an award of Restricted Stock Units. Any such election shall be made in writing and shall be delivered to the Company no later than the date specified by the Administrator and, if applicable, in accordance with Section&#160;409A and such other rules and procedures established by the Administrator. Any such future cash compensation that the grantee elects to defer will be converted to a fixed number of Restricted Stock Units based on the Fair Market Value of Stock on the date the compensation would otherwise have been paid to the grantee if such payment had not been deferred as provided herein. The Administrator shall have the sole right to determine whether and under what circumstances to permit such elections and to impose such limitations and other terms and conditions thereon as the Administrator deems appropriate. Any Restricted Stock Units that are elected to be received in lieu of cash compensation shall be fully vested, unless otherwise provided in the Award Certificate. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Rights as a Stockholder</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;A grantee shall have the rights as a stockholder only as to shares of Stock acquired by the grantee upon settlement of Restricted Stock Units; provided, however, that the grantee may be credited with Dividend Equivalent Rights with respect to the stock&#160;units underlying the grantee&#8217;s Restricted Stock Units, subject to the provisions of Section&#160;11 and such terms and conditions as the Administrator may determine. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as otherwise provided by the Administrator either in the Award Certificate or, subject to Section&#160;16 below, in writing after the Award is issued, a grantee&#8217;s right in all Restricted Stock Units that have not vested shall automatically terminate upon the grantee&#8217;s termination of employment (or other Service Relationship) with the Company and its Affiliates for any reason. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 9.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">UNRESTRICTED STOCK AWARDS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Grant or Sale of Unrestricted Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant (or sell at par value or such higher purchase price determined by the Administrator) an Unrestricted Stock Award under the Plan. An Unrestricted Stock Award is an Award pursuant to which the grantee receives shares of Stock free of any restrictions under the Plan. Unrestricted Stock Awards may be granted in respect of past services or other valid consideration, or in lieu of cash compensation due to such grantee. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 10.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">CASH-BASED AWARDS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Grant of Cash-Based Awards</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Cash-Based Awards under the Plan. A Cash-Based Award is an Award that entitles the grantee to a payment in cash upon the attainment of specified performance goals. The Administrator shall determine the maximum duration of the Cash-Based Award, the amount of cash to which the Cash-Based Award pertains, the conditions upon which the Cash-Based Award becomes vested or payable and such other provisions as the Administrator determines. Each Cash-Based Award shall specify a cash-denominated payment amount, formula or payment ranges as determined by the Administrator. Payment, if any, with respect to a Cash-Based Award shall be made in accordance with the terms of the Award and may be made in cash. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 11.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">DIVIDEND EQUIVALENT RIGHTS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Dividend Equivalent Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may grant Dividend Equivalent Rights under the Plan. A Dividend Equivalent Right is an Award entitling the grantee to receive credits based on cash dividends that would have been paid on the shares of Stock specified in the Dividend Equivalent Right (or other Award to which it relates) if such shares had been issued to the grantee. A Dividend Equivalent Right may be granted hereunder to any grantee as a component of an award of Restricted Stock Units or as a freestanding award. The terms and conditions of Dividend Equivalent Rights shall be specified in the Award Certificate. Dividend equivalents credited to the holder of a Dividend Equivalent Right may be paid currently or may be deemed to be reinvested in additional shares of Stock, which may thereafter accrue additional equivalents. Any such reinvestment shall be at Fair Market Value on the date of reinvestment or such other price as may then apply under a dividend reinvestment plan sponsored by the Company, if any. Dividend Equivalent Rights may be settled in cash or shares of Stock or a combination thereof, in a single installment or installments. A Dividend Equivalent Right granted as a component of an Award of Restricted Stock Units shall be settled only upon settlement or payment of, or lapse of restrictions on, such other Award, and such Dividend Equivalent Right shall expire or be forfeited or annulled under the same conditions as such other Award. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as may otherwise be provided by the Administrator either in the Award Certificate or, subject to Section&#160;16 below, in writing after the Award is issued, a grantee&#8217;s rights in all Dividend Equivalent Rights shall automatically terminate upon the grantee&#8217;s termination of employment (or other Service Relationship) with the Company and its Affiliates for any reason. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 12.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TRANSFERABILITY OF AWARDS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Transferability</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Except as provided in Section&#160;12(b) below, during a grantee&#8217;s lifetime, such grantee&#8217;s Awards shall be exercisable only by the grantee, or by the grantee&#8217;s legal representative or guardian in the event of the grantee&#8217;s incapacity. No Awards shall be sold, assigned, transferred or otherwise encumbered or disposed of by a grantee other than by will or by the laws of descent and distribution or pursuant to a domestic relations order. No Awards shall be subject, in whole or in part, to attachment, execution, or levy of any kind, and any purported transfer in violation hereof shall be null and void. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Administrator Action</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Notwithstanding Section&#160;12(a), the Administrator, in its discretion, may provide either in the Award Certificate regarding a given Award or by subsequent written approval that the grantee may transfer such grantee&#8217;s Non-Qualified Stock Options to such grantee&#8217;s immediate family members, to trusts for the benefit of such family members, or to partnerships in which such family members are the only partners, provided that the transferee agrees in writing with the Company to be bound by all of the terms and conditions of this Plan and the applicable Award. In no event may an Award be transferred by a grantee for value. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Family Member</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;For purposes of Section&#160;12(b), &#8220;family member&#8221; means a grantee&#8217;s child, stepchild, grandchild, parent, stepparent, grandparent, spouse, former spouse, sibling, niece, nephew, mother-in-law, father-in-law, son-in-law, daughter-in-law, brother-in-law, or sister-in-law, including adoptive relationships, any person sharing the grantee&#8217;s household (other than a tenant of the grantee), a trust in which these persons (or the grantee) have more than 50&#160;percent of the beneficial interest, a foundation in which these persons (or the grantee) control the management of assets, and any other entity in which these persons (or the grantee) own more than 50&#160;percent of the voting interests. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 13.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TAX WITHHOLDING</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Payment by Grantee</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Each grantee shall, no later than the date as of which the value of an Award or of any Stock or other amount received thereunder first becomes includable in the gross income of the grantee for income tax purposes, pay to the Company, or make arrangements satisfactory to the Administrator regarding payment of, any federal, state or local taxes, and non-U.S. or other taxes of any kind required by law to be withheld by the Company or its Affiliate with respect to such income. The Company and its Affiliates shall, to the extent permitted by law, have the right to deduct any such taxes from any payment of any kind otherwise due to the grantee or to satisfy any applicable withholding obligations by any other method of withholding that the Company or its Affiliates deem appropriate. The Company&#8217;s </font>
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          <font style="letter-spacing:0.2pt;">F-10</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">obligation to deliver evidence of book entry (or stock certificates) to any grantee is subject to and conditioned on tax withholding obligations being satisfied by the grantee. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Payment in Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may require the Company&#8217;s or Affiliate&#8217;s tax withholding obligation to be satisfied, in whole or in part, by the Company withholding from shares of Stock to be issued pursuant to any Award a number of shares with an aggregate Fair Market Value (as of the date the withholding is effected) that would satisfy the withholding amount due; provided, however, that the amount withheld does not exceed the maximum statutory tax rate or such lesser amount as is necessary to avoid liability accounting treatment. For purposes of share withholding, the Fair Market Value of withheld shares shall be determined in the same manner as the value of Stock includible in income of the grantees. The Administrator may also require the Company&#8217;s or Affiliate&#8217;s tax withholding obligation to be satisfied, in whole or in part, by an arrangement whereby a certain number of shares of Stock issued pursuant to any Award are immediately sold and proceeds from such sale are remitted to the Company or Affiliate in an amount that would satisfy the withholding amount due. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 14.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">SECTION 409A AWARDS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">Awards are intended to be exempt from Section&#160;409A to the greatest extent possible and to otherwise comply with Section&#160;409A. The Plan and all Awards shall be interpreted in accordance with such intent. To the extent that any Award is determined to constitute &#8220;nonqualified deferred compensation&#8221; within the meaning of Section&#160;409A (a &#8220;</font><font style="font-style:italic;letter-spacing:0.2pt;">409A Award</font><font style="letter-spacing:0.2pt;">&#8221;), the Award shall be subject to such additional rules and requirements as specified by the Administrator from time to time in order to comply with Section&#160;409A. In this regard, if any amount under a 409A Award is payable upon a &#8220;separation from service&#8221; &#8203;(within the meaning of Section&#160;409A) to a grantee who is then considered a &#8220;specified employee&#8221; &#8203;(within the meaning of Section&#160;409A), then no such payment shall be made prior to the date that is the earlier of (i)&#160;six&#160;months and one day after the grantee&#8217;s separation from service, or (ii)&#160;the grantee&#8217;s death, but only to the extent such delay is necessary to prevent such payment from being subject to interest, penalties and/or additional tax imposed pursuant to Section&#160;409A. Further, the settlement of any 409A Award may not be accelerated except to the extent permitted by Section&#160;409A. The Company makes no representation that any or all of the payments or benefits described in the Plan will be exempt from or comply with Section&#160;409A and makes no undertaking to preclude Section&#160;409A from applying to any such payment. The grantee shall be solely responsible for the payment of any taxes and penalties incurred under Section&#160;409A. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 15.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">TERMINATION OF SERVICE RELATIONSHIP, TRANSFER, LEAVE OF </font>
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          <font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">ABSENCE, ETC.</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Termination of Service Relationship</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;If the grantee&#8217;s Service Relationship is with an Affiliate and such Affiliate ceases to be an Affiliate, the grantee shall be deemed to have terminated such grantee&#8217;s Service Relationship for purposes of the Plan. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;For purposes of the Plan, the following events shall not be deemed a termination of a Service Relationship: </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(i)&nbsp;&nbsp;&nbsp;a transfer to the employment or service of the Company from an Affiliate or from the Company to an Affiliate, or from one Affiliate to another; </font>
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        <div style="margin-left:20pt; text-indent:20pt; margin-top:8pt; width:436pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">(ii)&nbsp;&nbsp;&nbsp;an approved leave of absence for military service or sickness, or for any other purpose approved by the Company or its Affiliate, as the case may be, if the employee&#8217;s right to re-employment is guaranteed either by a statute or by contract or under the policy pursuant to which the leave of absence was granted or if the Administrator otherwise so provides in writing; or </font>
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          <font style="letter-spacing:0.2pt;">(iii)&nbsp;&nbsp;&nbsp;the transfer in status from one eligibility category under Section&#160;4 hereof to another category. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 16.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">AMENDMENTS AND TERMINATION</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The Board may, at any time, amend or discontinue the Plan and the Administrator may, at any time, amend or cancel any outstanding Award for the purpose of satisfying changes in law or for any other lawful purpose, but no such action shall materially and adversely affect rights under any outstanding Award without the holder&#8217;s consent. Except as provided in Section&#160;3(b) or 3(c), in no event may the Administrator, </font>
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          <font style="letter-spacing:0.2pt;">F-11</font>
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          <font style="letter-spacing:0.2pt;">without prior stockholder approval, exercise its discretion to reduce the exercise price of outstanding Stock Options or Stock Appreciation Rights or effect repricing through cancellation and re-grants or cancellation of Stock Options or Stock Appreciation Rights in exchange for cash or other Awards. To the extent required under the rules of any securities exchange or market system on which the Stock is listed, to the extent determined by the Administrator to be required by the Code to ensure that Incentive Stock Options granted under the Plan are qualified under Section&#160;422 of the Code, Plan amendments shall be subject to approval by Company stockholders. Nothing in this Section&#160;16 shall limit the Administrator&#8217;s authority to take any action permitted pursuant to Section&#160;3(b) or 3(c). </font>
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          <font style="letter-spacing:0.2pt;">SECTION 17.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">STATUS OF PLAN</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">With respect to the portion of any Award that has not been exercised or settled and any payments in cash, Stock or other consideration not received by a grantee, a grantee shall have no rights greater than those of a general creditor of the Company unless the Administrator otherwise expressly determines in connection with any Award or Awards. In its sole discretion, the Administrator may authorize the creation of trusts or other arrangements to meet the Company&#8217;s obligations to deliver Stock or make payments with respect to Awards hereunder, provided that the existence of such trusts or other arrangements is consistent with the foregoing sentence. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 18.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">GENERAL PROVISIONS</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">(a)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Distribution</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;The Administrator may require each person acquiring Stock pursuant to an Award to represent to and agree with the Company in writing that such person is acquiring the shares without a view to distribution thereof. </font>
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          <font style="letter-spacing:0.2pt;">(b)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Issuance of Stock</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;To the extent certificated, stock certificates to grantees under this Plan shall be deemed delivered for all purposes when the Company or a stock transfer agent of the Company has mailed such certificates in the United States mail, addressed to the grantee, at the grantee&#8217;s last known address on file with the Company or any Affiliate. Uncertificated Stock shall be deemed delivered for all purposes when the Company or a Stock transfer agent of the Company has given to the grantee by electronic mail (with proof of receipt) or by United States mail, addressed to the grantee, at the grantee&#8217;s last known address on file with the Company or any Affiliate, notice of issuance and recorded the issuance in its records (which may include electronic &#8220;book entry&#8221; records). Notwithstanding anything herein to the contrary, the Company shall not be required to issue or deliver any evidence of book entry or certificates evidencing shares of Stock pursuant to the exercise or settlement of any Award, unless and until the Administrator has determined, with advice of counsel (to the extent the Administrator deems such advice necessary or advisable), that the issuance and delivery is in compliance with all applicable laws, regulations of governmental authorities and, if applicable, the requirements of any exchange on which the shares of Stock are listed, quoted or traded. Any Stock issued pursuant to the Plan shall be subject to any stop-transfer orders and other restrictions as the Administrator deems necessary or advisable to comply with federal, state or foreign jurisdiction, securities or other laws, rules and quotation systems on which the Stock is listed, quoted or traded. The Administrator may place legends on any Stock certificate or notations on any book entry to reference restrictions applicable to the Stock. In addition to the terms and conditions provided herein, the Administrator may require that an individual make such reasonable covenants, agreements, and representations as the Administrator, in its discretion, deems necessary or advisable in order to comply with any such laws, regulations, or requirements. The Administrator shall have the right to require any individual to comply with any timing or other restrictions with respect to the settlement or exercise of any Award, including a window-period limitation, as may be imposed in the discretion of the Administrator. </font>
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          <font style="letter-spacing:0.2pt;">(c)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">No Fractional Shares</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;No fractional shares of Stock shall be issued or delivered pursuant to the Plan or any Award, and the Administrator shall determine whether cash, other securities or other property shall be paid or transferred in lieu of any fractional shares, or whether such fractional shares or any rights thereto shall be cancelled, terminated or otherwise eliminated. </font>
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          <font style="letter-spacing:0.2pt;">(d)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Stockholder Rights</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Until Stock is deemed delivered in accordance with Section&#160;18(b), no right to vote or receive dividends or any other rights of a stockholder will exist with respect to shares of Stock to be issued in connection with an Award, notwithstanding the exercise of a Stock Option or Stock Appreciation Right or any other action by the grantee with respect to an Award. </font>
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          <font style="letter-spacing:0.2pt;">F-12</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">(e)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Other Compensation Arrangements; No Rights to Continued Service Relationship</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Nothing contained in this Plan shall prevent the Board from adopting other or additional compensation arrangements, including trusts, and such arrangements may be either generally applicable or applicable only in specific cases. The adoption of this Plan and the grant of Awards do not confer upon any grantee any right to continued employment or service with the Company or any Affiliate. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(f)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Trading Policy Restrictions</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Awards under the Plan are subject to the Company&#8217;s insider trading policies and procedures, as in effect from time to time. </font>
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          <font style="letter-spacing:0.2pt;">(g)&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">Clawback Policy</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;A grantee&#8217;s rights with respect to any Award hereunder shall in all events be subject to reduction, cancellation, forfeiture or recoupment to the extent necessary to comply with (i)&#160;any right that the Company may have under any Company clawback, forfeiture or recoupment policy as in effect from time to time or other agreement or arrangement with a grantee or (ii)&#160;applicable law. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 19.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">EFFECTIVE DATE OF PLAN</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">This Plan shall become effective upon the Closing Date, subject to prior stockholder approval in accordance with applicable state law, the Company&#8217;s bylaws and articles of incorporation, and applicable stock exchange rules. No grants of Awards may be made hereunder after the tenth anniversary of the Effective Date and no grants of Incentive Stock Options may be made hereunder after the tenth anniversary of the date the Plan is approved by the Board. </font>
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          <font style="letter-spacing:0.2pt;">SECTION 20.&nbsp;&nbsp;&nbsp;</font><font style=" text-decoration:underline #000000 solid;letter-spacing:0.2pt;">GOVERNING LAW</font><font style="letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">This Plan and all Awards and actions taken thereunder shall be governed by, and construed in accordance with, the laws of the Commonwealth of Massachusetts, applied without regard to conflict of law principles. </font>
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          <font style="letter-spacing:0.2pt;">DATE APPROVED BY BOARD OF DIRECTORS: March 21, 2025 </font>
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          <font style="letter-spacing:0.2pt;">DATE APPROVED BY STOCKHOLDERS: </font><font style=" white-space:pre; text-decoration:underline #000000 solid;letter-spacing:0.2pt;">&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199;&#8199; &#8199;&#8199;&#8201; &#8199;&#8199;&#8199;&#8199;</font>
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          <font style="letter-spacing:0.2pt;">F-13</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tPINR">&#8203;</a>
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          <font style="letter-spacing:-0.2pt;">PART II</font>
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          <font style="letter-spacing:-0.2pt;">INFORMATION NOT REQUIRED IN PROSPECTUS</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.2pt;">Item&#160;20.&nbsp;&nbsp;&nbsp;Indemnification of Directors and Officers</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">In accordance with the General Corporation Law of the State of Delaware (being Chapter 1 of Title 8 of the Delaware Code), Articles TENTH and ELEVENTH of Berkshire Hills Bancorp Inc.&#8217;s Certificate of Incorporation provide as follows: </font>
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          <font style="letter-spacing:-0.2pt;">TENTH:</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">A.&nbsp;&nbsp;&nbsp;Each person who was or is made a party or is threatened to be made a party to or is otherwise involved in any action, suit or proceeding, whether civil, criminal, administrative or investigative (hereinafter a &#8220;proceeding&#8221;), by reason of the fact that he or she is or was a Director or an Officer of the Corporation or is or was serving at the request of the Corporation as a Director, Officer, employee or agent of another corporation or of a partnership, joint venture, trust or other enterprise, including service with respect to an employee benefit plan (hereinafter an &#8220;indemnitee&#8221;), whether the basis of such proceeding is alleged action in an official capacity as a Director, Officer, employee or agent, or in any other capacity while serving as a Director, Officer, employee or agent, shall be indemnified and held harmless by the Corporation to the fullest extent authorized by the Delaware General Corporation Law, as the same exists or may hereafter be amended (but, in the case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader indemnification rights than such law permitted the Corporation to provide before such amendment), against all expense, liability and loss (including attorneys&#8217; fees, judgments, fines, ERISA excise taxes or penalties and amounts paid in settlement) reasonably incurred or suffered by such indemnitee in connection therewith; provided, however, that, except as provided in Section&#160;C hereof with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the board of directors of the Corporation. </font>
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          <font style="letter-spacing:0.2pt;">B.&nbsp;&nbsp;&nbsp;The right to indemnification conferred in Section&#160;A of this Article&#160;TENTH shall include the right to be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final disposition (hereinafter an &#8220;advancement of expenses&#8221;); provided, however, that, if the Delaware General Corporation Law requires, an advancement of expenses incurred by an indemnitee in his or her capacity as a Director or Officer (and not in any other capacity in which service was or is rendered by such indemnitee, including, without limitation, services to an employee benefit plan) shall be made only upon delivery to the Corporation of an undertaking (hereinafter an &#8220;undertaking&#8221;), by or on behalf of such indemnitee, to repay all amounts so advanced if it shall ultimately be determined by final judicial decision from which there is no further right to appeal (hereinafter a &#8220;final adjudication&#8221;) that such indemnitee is not entitled to be indemnified for such expenses under this Section or otherwise. The rights to indemnification and to the advancement of expenses conferred in Sections&#160;A and B of this Article&#160;TENTH shall be contract rights and such rights shall continue as to an indemnitee who has ceased to be a Director, Officer, employee or agent and shall inure to the benefit of the indemnitee&#8217;s heirs, executors and administrators. </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">C.&nbsp;&nbsp;&nbsp;If a claim under Section&#160;A or B of this Article&#160;TENTH is not paid in full by the Corporation within sixty days after a written claim has been received by the Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim. If successful in whole or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall be entitled to be paid also the expenses of prosecuting or defending such suit. In (i)&#160;any suit brought by the indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii)&#160;in any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met any applicable standard for indemnification set forth in the Delaware General Corporation Law. Neither the failure of the Corporation (including its board of directors, independent legal counsel, or its stockholders) to have made a determination before the commencement of such suit that indemnification of the indemnitee is proper in </font>
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          <font style="letter-spacing:0.2pt;">II-1</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">the circumstances because the indemnitee has met the applicable standard of conduct set forth in the Delaware General Corporation Law, nor an actual determination by the Corporation (including its board of directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit. In any suit brought by the indemnitee to enforce a right to indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of expenses, under this Article&#160;TENTH or otherwise shall be on the Corporation. </font>
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          <font style="letter-spacing:0.2pt;">D.&nbsp;&nbsp;&nbsp;The rights to indemnification and to the advancement of expenses conferred in this Article&#160;TENTH shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, the Corporation&#8217;s Certificate of Incorporation, Bylaws, agreement, vote of stockholders or Disinterested Directors or otherwise. </font>
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          <font style="letter-spacing:0.2pt;">E.&nbsp;&nbsp;&nbsp;The Corporation may maintain insurance, at its expense, to protect itself and any Director, Officer, employee or agent of the Corporation or subsidiary or Affiliate or another corporation, partnership, joint venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such person against such expense, liability or loss under the Delaware General Corporation Law. </font>
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          <font style="letter-spacing:0.2pt;">F.&nbsp;&nbsp;&nbsp;The Corporation may, to the extent authorized from time to time by the board of directors, grant rights to indemnification and to the advancement of expenses to any employee or agent of the Corporation to the fullest extent of the provisions of this Article&#160;TENTH with respect to the indemnification and advancement of expenses of Directors and Officers of the Corporation. </font>
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          <font style="letter-spacing:-0.2pt;">ELEVENTH:</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">A Director of this Corporation shall not be personally liable to the Corporation or its stockholders for monetary damages for breach of fiduciary duty as a Director, except for liability: (i)&#160;for any breach of the Director&#8217;s duty of loyalty to the Corporation or its stockholders; (ii)&#160;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (iii)&#160;under Section&#160;174 of the Delaware General Corporation Law; or (iv)&#160;for any transaction from which the Director derived an improper personal benefit. If the Delaware General Corporation Law is amended to authorize corporate action further eliminating or limiting the personal liability of Directors, then the liability of a Director of the Corporation shall be eliminated or limited to the fullest extent permitted by the Delaware General Corporation Law, as so amended. </font>
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          <font style="letter-spacing:0.2pt;">Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a Director of the Corporation existing at the time of such repeal or modification. </font>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">Delaware Law</font><font style="letter-spacing:0.2pt;">.&nbsp;&nbsp;&nbsp;Section&#160;145 of the Delaware General Corporation Law permits a corporation to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, by reason of the fact that the person is or was a director, officer, employee or agent of the corporation or another enterprise if serving at the request of the corporation. Depending on the character of the proceeding, a corporation may indemnify against expenses (including attorneys&#8217; fees), judgments, fines and amounts paid in settlement actually and reasonably incurred in connection with such action, suit or proceeding if the person indemnified acted in good faith and in a manner reasonably believed to be in or not opposed to the best interests of the corporation and, with respect to any criminal action or proceeding, had no reasonable cause to believe the person&#8217;s conduct was unlawful. In the case of an action by or in the right of the corporation, no indemnification may be made with respect to any claim, issue or matter as to which such person shall have been adjudged to be liable to the corporation unless and only to the extent that the Delaware Court of Chancery or the court in which such action or suit was brought shall determine that, despite the adjudication of liability, such person is fairly and reasonably entitled to indemnity for such expenses which the court shall deem proper. Section&#160;145 further provides that to the extent a director or officer of a corporation has been successful on the merits or in the defense of any action, suit or proceeding referred to above, or in </font>
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          <font style="letter-spacing:0.2pt;">&#160;</font>
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          <font style="letter-spacing:0.2pt;">II-2</font>
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        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
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          <font style="letter-spacing:0.2pt;">the defense of any claim, issue or matter therein, he or she shall be indemnified against expenses (including attorneys&#8217; fees) actually and reasonably incurred by him or her in connection therewith. </font>
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          <font style="letter-spacing:0.2pt;">It is the opinion of the Securities and Exchange Commission that indemnification of directors and officers for liabilities arising under the Securities Act is against public policy and is unenforceable pursuant to Section&#160;14 of the Securities Act. </font>
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          <font style="letter-spacing:-0.2pt;">Item&#160;21.&nbsp;&nbsp;&nbsp;Exhibits and Financial Statement Schedules</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">The exhibits and financial statements filed as part of this Registration Statement are as follows: </font>
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                <font style="letter-spacing:-0.16pt;">Exhibit </font>
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                <font style="letter-spacing:-0.16pt;">Description </font>
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              <font style="margin-left:10pt;letter-spacing:0.2pt;">2.1 </font>
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              <a href="#tANA">Agreement and Plan of Merger, dated December&#160;16, 2024, by and among Berkshire Hills Bancorp, Inc., Commerce Acquisition Sub, Inc., and Brookline Bancorp, Inc. (attached as Annex&#160;A to the Joint Proxy Statement contained in the registration statement).*</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="margin-left:10pt;letter-spacing:0.2pt;">3.1 </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <a style="-sec-extract:exhibit" href="http://www.sec.gov/Archives/edgar/data/1108134/000110813418000015/ex31.htm">Certificate of Incorporation of Berkshire Hills Bancorp, Inc., as amended (Incorporated by reference to Exhibit&#160;3.1 of the Registrant&#8217;s Annual Report on Form Quarterly Report on Form&#160;10-Q which was filed with the Securities and Exchange Commission on August&#160;9, 2018)</a><font style="letter-spacing:0.2pt;">. </font>
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              <font style="margin-left:10pt;letter-spacing:0.2pt;">3.2 </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
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              <a style="-sec-extract:exhibit" href="http://www.sec.gov/Archives/edgar/data/1108134/000094337417000275/form8k-062617_ex31.htm">Amended and Restated Bylaws of Berkshire Hills Bancorp, Inc. (Incorporated by reference to Exhibit&#160;3.1 of the Registrant&#8217;s Form 8-K, filed with the Securities and Exchange Commission on June 26, 2017)</a><font style="letter-spacing:0.2pt;">. </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="margin-left:10pt;letter-spacing:0.2pt;">5.1 </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex5-1.htm">Opinion of Luse Gorman, PC.</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="margin-left:10pt;letter-spacing:0.2pt;">8.1 </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex8-1.htm">Opinion of Luse Gorman, PC, as to certain tax matters.</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="margin-left:10pt;letter-spacing:0.2pt;">8.2 </font>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex8-2.htm">Opinion of Goodwin Procter LLP, as to certain tax matters.</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="margin-left:5pt;letter-spacing:0.2pt;">10.1+ </font>
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              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex10-1.htm">Fifth Amendment to Employment Agreement, dated as of December&#160;16, 2024, by and among Brookline Bancorp, Inc., Brookline Bank and Paul A. Perrault.</a>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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              <font style="margin-left:5pt;letter-spacing:0.2pt;">10.2+ </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:414.63pt;white-space:normal;">
              <a style="-sec-extract:exhibit" href="http://www.sec.gov/Archives/edgar/data/1108134/000110465924128694/tm2431117d1_ex10-3.htm">Employment Agreement, dated December&#160;16, 2024, by and among Berkshire Hills Bancorp, Inc., Berkshire Bank, Brookline Bank and Sean A. Gray. (Incorporated by reference to Exhibit&#160;10.3 of the Registrant&#8217;s Form 8-K, filed with the Securities and Exchange Commission on December&#160;16, 2024)</a><font style="letter-spacing:0.2pt;">. </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">10.3+ </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:414.63pt;white-space:normal;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex10-3.htm">Retention Bonus Agreement, dated February&#160;26, 2025, by and between Brookline Bancorp, Inc. and Carl M. Carlson.</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">10.4+ </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:2.167pt 0pt 0.833pt 0pt; width:414.63pt;white-space:normal;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex10-4.htm">Retention Bonus Agreement, dated February&#160;26, 2025, by and between Brookline Bancorp, Inc. and Michael W. McCurdy.</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">23.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex23-1.htm">Consent of Crowe LLP.</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">23.2 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex23-2.htm">Consent of KPMG LLP.</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">23.3 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <font style="letter-spacing:0.2pt;">Consent of Luse Gorman, PC (included in Exhibits&#160;<a style="-sec-extract:exhibit" href="tm252197d6_ex5-1.htm">5.1</a> and <a style="-sec-extract:exhibit" href="tm252197d6_ex8-1.htm">8.1</a>). </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">23.4 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex8-2.htm">Consent of Goodwin Procter LLP (set forth in Exhibit&#160;8.2)</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">24.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a href="#tPOA">Powers of Attorney (included on signature page).</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">99.1 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex99-1.htm">Consent of Paul A. Perrault as a proposed director of Berkshire Hills Bancorp, Inc.</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">99.2 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex99-2.htm">Consent of Raymond James &amp; Associates, Inc.</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">99.3 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d6_ex99-3.htm">Consent of Hovde Group, LLC</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">99.4 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <font style="letter-spacing:0.2pt;">Form of Berkshire Hills Bancorp, Inc. proxy card** </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="margin-left:5pt;letter-spacing:0.2pt;">99.5 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <font style="letter-spacing:0.2pt;">Form of Brookline Bancorp, Inc. proxy card** </font>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:10pt;white-space:nowrap;text-align:left;vertical-align:top;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:29.38pt;">
              <font style="letter-spacing:0.2pt;">107 </font>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:3.5pt 0pt 1.5pt 0pt; width:414.63pt;">
              <div style="letter-spacing:0.2pt;">
                <a style="-sec-extract:exhibit" href="tm252197d5_ex-filingfees.htm">Filing Fee Table</a>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
        <div style="margin-top:12.01pt; width:456pt;">
          <div style="margin-left: 0pt; width: 108pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-top:6.6pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">*</font>
          <br >
        </div>
        <div style=" margin-top:6.6pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Schedules and exhibits have been omitted pursuant to Item&#160;601(b)(2) of Regulation&#160;S-K. Berkshire Hills Bancorp, Inc. agrees to furnish supplementally a copy of any omitted attachment to the Securities and Exchange Commission on a confidential basis upon request. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:2.61pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">**</font>
          <br >
        </div>
        <div style=" margin-top:2.61pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To be filed by amendment. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:2.61pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">+</font>
          <br >
        </div>
        <div style=" margin-top:2.61pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Management contract or compensatory plan or agreement </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-3</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Item&#160;22.&nbsp;&nbsp;&nbsp;Undertakings</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:20pt; margin-top:8pt; width:436pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">The undersigned registrant hereby undertakes: </font>
        </div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(1)</font>
          <br >
        </div>
        <div style=" margin-top:7.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement: (i)&#160;to include any prospectus required by Section&#160;10(a)(3) of the Securities Act of 1933; (ii)&#160;to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement (notwithstanding the foregoing, any increase or decrease in the volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the SEC pursuant to Rule&#160;424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement); and (iii)&#160;to include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(2)</font>
          <br >
        </div>
        <div style=" margin-top:7.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(3)</font>
          <br >
        </div>
        <div style=" margin-top:7.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.4pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(4)</font>
          <br >
        </div>
        <div style=" margin-top:7.4pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&#8217;s annual report pursuant to Section&#160;13(a) or 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to Section&#160;15(d) of the Securities Exchange Act of 1934) that is incorporated by reference in this registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial </font><font style="font-style:italic;letter-spacing:0.2pt;">bona fide</font><font style="letter-spacing:0.2pt;"> offering thereof. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(5)</font>
          <br >
        </div>
        <div style=" margin-top:7.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement, by any person or party who is deemed to be an underwriter within the meaning of Rule&#160;145(c), the registrant undertakes that such reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons who may be deemed underwriters, in addition to the information called for by the other items of the applicable form. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(6)</font>
          <br >
        </div>
        <div style=" margin-top:7.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">That every prospectus (i)&#160;that is filed pursuant to paragraph (5)&#160;above, or (ii)&#160;that purports to meet the requirements of Section&#160;10(a)(3) of the Securities Act and is used in connection with an offering of securities subject to Rule&#160;415, will be filed as a part of an amendment to the registration statement and will not be used until such amendment has become effective, and that for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(7)</font>
          <br >
        </div>
        <div style=" margin-top:7.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To respond to requests for information that is incorporated by reference into the prospectus pursuant to Items&#160;4, 10(b), 11 or 13 of this Form, within one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means. This includes information contained in documents filed subsequent to the effective date of the registration statement through the date of responding to the request. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.51pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(8)</font>
          <br >
        </div>
        <div style=" margin-top:7.51pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">To supply by means of a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not the subject of, and included in, this registration statement when it became effective. </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:20pt; line-height:12pt; margin-top:7.5pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">(9)</font>
          <br >
        </div>
        <div style=" margin-top:7.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:40pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-4</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:496pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-left:40pt; width:416pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">to directors, officers, and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer, or controlling person of the registrant in the successful defense of any action, suit, or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-5</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style="page-break-after:always; width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a><a name="tSIG">&#8203;</a><a name="tPOA">&#8203;</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">SIGNATURES</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-4 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Boston, Commonwealth of Massachusetts, on March&#160;24, 2025. </font>
        </div>
        <div style="margin-left:220pt; margin-top:7.21pt; width:236pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">BERKSHIRE HILLS BANCORP, INC.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style=" float:left; margin-left:220pt; line-height:12pt; margin-top:16.65pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">By:</font>
          <br >
        </div>
        <div style=" margin-top:16.65pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:240pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">/s/ Nitin J. Mhatre</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-left:240pt; margin-top:2pt; width:216pt;">
          <div style="margin-left: 0pt; width: 216pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
        </div>
        <div style=" float:left; margin-left:240pt; margin-top:1.5pt; margin-bottom:0pt; text-align:left; width:36pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Name:</font>
          <br >
        </div>
        <div style=" margin-top:1.5pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:276pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Nitin J. Mhatre</font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; margin-left:240pt; line-height:12pt; margin-top:-0.49pt; margin-bottom:0pt; text-align:left; width:36pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">Title:</font>
          <br >
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        <div style=" margin-top:-0.49pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:276pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">President and Chief Executive Officer </font>
        </div>
        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:10.02pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">POWER OF ATTORNEY</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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        <div style="text-indent:20pt; margin-top:8pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">KNOW ALL MEN BY THESE PRESENTS, that each person whose individual signature appears below hereby authorizes and appoints Nitin J. Mhatre and Brett Brbovic and each of them with full power of substitution and full power to act without the other, as his true and lawful attorney-in-fact and agent to act in his name, place and stead and to execute in the name and on behalf of each person, individually and in each capacity stated below, and to file any and all amendments, including any and all amendments to this registration statement, all post-effective amendments and any subsequent registration statement for the same offering which may be filed under Rule&#160;462 under the Securities Act of 1933, as amended, and to file the same with exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, and each of the undersigned does hereby ratify and confirm all that said attorneys and agents, or either one of them or any substitute, shall do or cause to be done by virtue hereof. This Power of Attorney may be executed in any number of counterparts. </font>
        </div>
        <div style="text-indent:20pt; margin-top:7.11pt; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on March&#160;24, 2025. </font>
        </div>
        <table style="width:456pt;height:326.5pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
          <tr style="line-height:8pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Signature </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Title </font>
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
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          <tr style="line-height:12pt;height:53.25pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:25.917pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Nitin J. Mhatre</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Nitin J. Mhatre </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:25.917pt 0pt 0.5pt 0pt; width:222pt;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">President and Chief Executive Officer and Director (Principal Executive Officer) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;height:53pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Brett Brbovic</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Brett Brbovic </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Chief Financial Officer (Principal Financial and Accounting Officer) </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;height:53pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ David M. Brunelle</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">David M. Brunelle </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Chairperson of the Board </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;height:53pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Mary Anne Callahan</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Mary Anne Callahan </font>
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            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;height:53pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Nina A. Charnley</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Nina A. Charnley </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
            <td style="padding:0pt; width:0pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Mihir A. Desai</font>
              </div>
              <div style="margin-top:2.5pt; text-align:justify;">
                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Mihir A. Desai </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;text-align:center;">
              <div style="text-align:center;">
                <font style="letter-spacing:0.2pt;">Director </font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:2.00000000000002pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-6</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style=" width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">
        <a style="text-decoration:none;color:#003366;" href="#TOC">TABLE OF CONTENTS</a>
      </div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:284.5pt;margin-left:69.66pt;width:456pt;">
        <table style="width:456pt;height:326.5pt;margin-top:0pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
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            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:222pt;">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">Signature </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 2.5pt 0pt; width:222pt;">
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              <div>
                <font style="letter-spacing:0.2pt;">/s/ William H. Hughes III</font>
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            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
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                <font style="letter-spacing:0.2pt;">/s/ Jeffrey W. Kip</font>
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            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
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                <font style="letter-spacing:0.2pt;">/s/ Sylvia Maxfield</font>
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                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Sylvia Maxfield </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;white-space:nowrap;text-align:center;">
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                <font style="letter-spacing:0.2pt;">Director </font>
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            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;height:53pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
              <div>
                <font style="letter-spacing:0.2pt;">/s/ Laurie Norton Moffatt</font>
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                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
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              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Laurie Norton Moffatt </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Director </font>
              </div>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:12pt;height:53pt; white-space:normal;text-align:left;vertical-align:middle;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
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            <td style="padding:26.167pt 0pt 0.5pt 0pt; width:222pt;">
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                <font style="letter-spacing:0.2pt;">/s/ Karyn Polito</font>
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                <font style="letter-spacing:0.2pt;">Karyn Polito </font>
              </div>
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            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Director </font>
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            <td style="padding:0pt; width:0pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">/s/ Eric S. Rosengren</font>
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                <div style="margin-left: 0pt; width: 222pt; margin-top: 0pt; font-size: 1pt; line-height: 0pt; border-bottom: 1pt solid #000000; ">&#8203;</div>
              </div>
              <div style="margin-top:2pt;">
                <font style="letter-spacing:0.2pt;">Eric S. Rosengren </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
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                <font style="letter-spacing:0.2pt;">Director</font>
              </div>
            </td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
        </table>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">II-7</font>
          <br >
        </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>tm252197d6_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 5.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">LUSE GORMAN, PC<BR>
ATTORNEYS AT LAW</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">5335 Wisconsin Avenue, NW, Suite 780<BR>
Washington, D.C. 20015</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Telephone (202) 274-2000<BR>
Facsimile (202) 362-2902<BR>
www.luselaw.com</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="padding-left: 10pt; text-indent: -10pt; width: 50%">WRITER&rsquo;S DIRECT DIAL NUMBER</TD>
  <TD STYLE="text-align: right; padding-left: 10pt; text-indent: -10pt; width: 50%">(202) 274-2000</TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">March 24, 2025</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors<BR>
Berkshire Hills Bancorp, Inc.<BR>
60 State Street<BR>
Boston, Massachusetts 02109</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We have acted as special counsel to Berkshire
Hills Bancorp, Inc., a Delaware corporation (the &ldquo;Company&rdquo;), in connection with the registration under the Securities Act
of 1933, as amended, by the Company of an aggregate of 37,882,325 shares of common stock, par value $0.01 per share (the &ldquo;Shares&rdquo;),
of the Company and the related preparation and filing by the Company with the Securities and Exchange Commission of a Registration Statement
on Form&nbsp;S-4 (the &ldquo;Registration Statement&rdquo;). In rendering the opinion set forth below, we do not express any opinion concerning
law other than the federal law of the United States and the corporate law of the State of Delaware. We have not passed upon and do not
purport to pass upon the application of securities or &ldquo;blue-sky&rdquo; laws of any jurisdiction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We have examined originals or copies, certified
or otherwise identified, of such documents, corporate records and other instruments, and have examined such matters of law, as we have
deemed necessary or advisable for purposes of rendering the opinion set forth below. As to matters of fact, we have examined and relied
upon the representations of the Company contained in the Registration Statement and, where we have deemed appropriate, representations
or certificates of officers of the Company or of public officials. We have assumed the authenticity of all documents submitted to us as
originals, the genuineness of all signatures, the legal capacity of natural persons and the conformity to the originals of all documents
submitted to us as copies. In making our examination of any documents, we have assumed that all parties other than the Company had the
corporate power and authority to enter into and perform all obligations thereunder, and, as to such other parties, we have also assumed
the due authorization by all requisite action, the due execution and delivery of such documents and the validity and binding effect and
enforceability thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Based on and subject to the foregoing, we are
of the opinion that the Shares are duly authorized and, when issued as contemplated in the Registration Statement and the Agreement and
Plan of Merger by and among Berkshire Hills Bancorp, Inc., Commerce Acquisition Sub, Inc. and Brookline Bancorp, Inc., dated as of December
16, 2024, will be validly issued, fully paid and nonassessable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We consent to the filing of this opinion as an
Exhibit to the Registration Statement and to the reference to our firm under the heading &ldquo;Legal Matters&rdquo; in the Joint Proxy
Statement/Prospectus which is part of such Registration Statement.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="padding-left: 10pt; text-indent: -10pt; width: 50%">&nbsp;</TD>
  <TD STYLE="padding-left: 10pt; text-indent: -10pt; width: 50%">Very truly yours,</TD></TR>

<TR STYLE="vertical-align: top">
  <TD STYLE="padding-left: 10pt; text-indent: -10pt">&nbsp;</TD>
  <TD STYLE="padding-left: 10pt; text-indent: -10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
  <TD STYLE="padding-left: 10pt; text-indent: -10pt">&nbsp;</TD>
  <TD STYLE="border-bottom: Black 1pt solid; padding-left: 10pt; text-indent: -10pt">/s/ Luse Gorman, PC</TD></TR>

<TR STYLE="vertical-align: top">
  <TD STYLE="padding-left: 10pt; text-indent: -10pt">&nbsp;</TD>
  <TD STYLE="padding-left: 10pt; text-indent: -10pt">LUSE GORMAN, PC</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>3
<FILENAME>tm252197d6_ex8-1.htm
<DESCRIPTION>EXHIBIT 8.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: right; margin: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>EXHIBIT&nbsp;8.1</B></FONT></P>

<P STYLE="margin: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>5335 WISCONSIN
AVENUE, N.W., SUITE 780</B>&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>WASHINGTON, D.C.
20015</B></FONT></P>

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

<!-- Field: Rule-Page --><DIV STYLE="margin-right: auto; margin-left: auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>TELEPHONE (202)
274-2000</B>&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>FACSIMILE (202)
362-2902</B>&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: teal"><FONT STYLE="font-size: 10pt; color: Black"><B>www.luselaw.com</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">March&nbsp;24, 2025</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Board of Directors&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Berkshire Hills
Bancorp,&nbsp;Inc.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">60 State Street&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Boston, Massachusetts
02109</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 10pt"><B>Re:</B></FONT></TD><TD><FONT STYLE="font-size: 10pt"><B><U>Registration Statement
                                            on Form&nbsp;S-4</U></B></FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Ladies and Gentlemen:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have acted as special counsel to Berkshire Hills Bancorp,&nbsp;Inc., a Delaware corporation (&ldquo;<U>Berkshire</U>&rdquo;), in connection
with the transactions described in the Agreement and Plan of Merger (the &ldquo;<U>Merger Agreement</U>&rdquo;), dated as of December&nbsp;16,
2024, by and among Berkshire, Commerce Acquisition Sub,&nbsp;Inc., a Delaware corporation and a wholly-owned subsidiary of Berkshire
(&ldquo;<U>Merger Sub</U>&rdquo;) and Brookline Bancorp,&nbsp;Inc., a Delaware corporation (&ldquo;<U>Brookline</U>&rdquo;), pursuant
to which (i)&nbsp;Merger Sub will merge with and into Brookline, with Brookline as the surviving entity (the &ldquo;<U>Merger</U>&rdquo;)
and (ii)&nbsp;immediately following the Merger, Brookline will merge with and into Berkshire (the &ldquo;<U>Holdco Merger</U>&rdquo;),
with Berkshire as the surviving entity. At your request, and in connection with the preparation and filing of the related Registration
Statement on Form&nbsp;S-4 (the &ldquo;<U>Registration Statement&rdquo;</U>), which includes the Joint Proxy Statement/Prospectus (the
 &ldquo;<U>Proxy Statement/Prospectus</U>&rdquo;), filed by Berkshire with the U.S. Securities and Exchange Commission on March&nbsp;21,
2025, we are rendering our opinion concerning certain U.S. federal income tax consequences of the Merger and the Holdco Merger. For purposes
of this opinion, capitalized terms used and not otherwise defined herein shall have the meaning ascribed thereto in the Merger Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
connection with this opinion, we have reviewed: (i)&nbsp;the Merger Agreement; (ii)&nbsp;the Registration Statement; (iii)&nbsp;the Proxy
Statement/Prospectus, and (iv)&nbsp;certificates of officers of Brookline and Berkshire as to certain factual matters, dated the date
hereof (the &ldquo;<U>Certificates</U>&rdquo;).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
have relied, with the consent of Brookline and Berkshire, upon the accuracy and completeness of the Certificates (which Certificates
we have neither investigated nor verified). We have assumed that the Certificates will be re-executed in substantially the same form
by appropriate officers as of the Closing Date. For purposes of rendering this opinion, we have assumed that all relevant statements
in the Merger Agreement, Registration Statement, Proxy Statement/Prospectus and the Certificates, including those made &ldquo;to the
knowledge of&rdquo; or similarly qualified, are true, complete and correct and will remain true, complete and correct at all times up
to and including the Effective Time. We have also assumed that the parties have complied with and, if applicable, will continue to comply
with, the relevant covenants contained in the Merger Agreement. Our opinion may not be relied upon and may be invalid if any assumption
described above is untrue for any reason.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Berkshire Hills
Bancorp,&nbsp;Inc.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">March&nbsp;24, 2025&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Page&nbsp;2</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
rendering this opinion, we have considered the applicable provisions of the Internal Revenue Code of 1986, as amended (the &ldquo;<U>Code</U>&rdquo;),
Treasury Regulations promulgated thereunder, interpretive rulings of the Internal Revenue Service (the &ldquo;<U>IRS</U>&rdquo;), pertinent
judicial authorities and such other authorities as we have considered relevant as of the date hereof (hereinafter, collectively referred
to as &ldquo;<U>Current Law</U>&rdquo;).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based
upon and subject to the foregoing, and subject to the limitations, qualifications, exceptions and assumptions set forth herein and in
the Proxy Statement/Prospectus under the caption &ldquo;Material United States Federal Income Tax Consequences of the Mergers,&rdquo;
we are of the opinion that under Current Law, the Merger and the Holdco Merger, taken together, will qualify as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a)&nbsp;of the Code and we hereby confirm that the discussion contained in the Proxy Statement/Prospectus
under the caption &ldquo;Material United States Federal Income Tax Consequences of the Mergers,&rdquo; subject to the limitations, qualifications,
and assumptions described therein, constitutes our opinion of the material federal income tax consequences of the Merger and the Holdco
Merger.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This
opinion is based on Current Law and it represents our best judgment, but it has no binding effect or official status of any kind, and
no assurance can be given that contrary positions may not be taken by the IRS or a court of competent jurisdiction concerning the opinion
expressed herein. It is possible that Congress could enact new law, or that the U.S. Department of the Treasury or the IRS could issue
new regulations or guidance, after the date hereof that would be inconsistent with the opinion expressed herein. It is possible that
courts of competent jurisdiction could issue decisions after the date hereof that would be inconsistent with the opinion expressed herein.
Any changes in law could have retroactive effect.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
express our opinion herein only as to those matters specifically set forth above and no opinion should be inferred as to the tax consequences
of the Merger under any state, local or foreign law, or with respect to other areas of United States federal taxation.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
hereby consent to the filing of this opinion as an exhibit to the Registration Statement and to the reference to us under the headings
 &ldquo;Material United States Federal Income Tax Consequences of the Mergers&rdquo; and &ldquo;Legal Matters&rdquo; in the Proxy Statement/Prospectus.
In giving such consent, we do not thereby admit that we are in the category of persons whose consent is required under Section&nbsp;7
of the Securities Act of 1933, as amended.</FONT></P>

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

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  <TR STYLE="vertical-align: bottom">
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    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very
    truly yours,&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><IMG SRC="tm252197d6_ex8-1img001.jpg" ALT=""><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Luse
    Gorman, PC</FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-8.2
<SEQUENCE>4
<FILENAME>tm252197d6_ex8-2.htm
<DESCRIPTION>EXHIBIT 8.2
<TEXT>
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<P STYLE="text-align: right; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>EXHIBIT&nbsp;8.2</B></FONT></P>

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

<P STYLE="margin: 0; text-align: left"><FONT STYLE="font-size: 10pt"><IMG SRC="tm252197d6_ex8-2img001.jpg" ALT=""><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></FONT></P>

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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">March&nbsp;24,
2025</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Brookline Bancorp,&nbsp;Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">131 Clarendon
Street</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">Boston, Massachusetts
02116</FONT></P>


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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Re:</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Federal
                                            Tax Consequences Relating to (i)&nbsp;the Merger of Commerce Acquisition Sub,&nbsp;Inc</B></FONT><B><FONT STYLE="font-size: 10pt">.
                                            with and into Brookline Bancorp,&nbsp;Inc., and (ii)&nbsp;the Merger of Brookline Bancorp,&nbsp;Inc.
                                            with and into Berkshire Hills Bancorp,&nbsp;Inc.</FONT></B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Ladies and Gentlemen:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This opinion is
delivered to you in our capacity as counsel to Brookline Bancorp,&nbsp;Inc., a Delaware corporation (&ldquo;<U>Brookline</U>&rdquo;),
in connection with (i)&nbsp;the merger of Commerce Acquisition Sub,&nbsp;Inc., a Delaware corporation (&ldquo;<U>Merger Sub</U>&rdquo;)
and a direct, wholly-owned subsidiary of Berkshire Hills Bancorp,&nbsp;Inc., a Delaware corporation (&ldquo;<U>Berkshire</U>&rdquo;),
with and into Brookline, with Brookline being the surviving corporation (the &ldquo;<U>Merger</U>&rdquo;), and (ii)&nbsp;immediately
following the Merger, the merger of Brookline with and into Berkshire, with Berkshire being the surviving corporation (the &ldquo;<U>Holdco
Merger</U>&rdquo; and together with the Merger, the &ldquo;<U>Mergers</U>&rdquo;), in each case pursuant to the Agreement and Plan of
Merger, dated as of December&nbsp;16, 2024, by and among Berkshire, Merger Sub, and Brookline (the &ldquo;<U>Merger Agreement</U>&rdquo;).
This opinion relates to the qualification of the Mergers, taken together, as a reorganization within the meaning of Section&nbsp;368(a)&nbsp;of
the Internal Revenue Code of&nbsp;1986, as amended (the &ldquo;<U>Code</U>&rdquo;), as well as the description of the tax consequences
of the Mergers as set forth in the Merger Registration Statement (as defined below).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes of
the opinion set forth below, we have reviewed and relied upon the Merger Agreement, the Joint Proxy Statement/Prospectus of Berkshire
and Brookline (the &ldquo;<U>Joint Proxy Statement/Prospectus</U>&rdquo;) included in the Registration Statement on Form&nbsp;S-4 filed
by Berkshire with the Securities and Exchange Commission (&ldquo;<U>SEC</U>&rdquo;) in connection with the issuance of shares of Berkshire
common stock in connection with the Mergers (the &ldquo;<U>Merger Registration Statement</U>&rdquo;), and such other documents, records
and instruments as we have deemed necessary or appropriate as a basis for our opinion. In addition, in rendering our opinion we have
relied upon certain statements, representations and warranties made by Berkshire, Merger Sub, and Brookline in (i)&nbsp;representation
letters provided to us in connection with our preparation of this opinion, (ii)&nbsp;the Joint Proxy Statement/Prospectus, and (iii)&nbsp;the
Merger Agreement, which we have neither investigated nor verified. We have assumed that such statements, representations and warranties
are true, correct, complete and not breached and will continue to be so through the date of the Mergers, that no actions that are inconsistent
with such statements, representations and warranties will be taken, and that all representations, statements, and warranties made &ldquo;to
the best knowledge of&rdquo; any person(s)&nbsp;or party(ies) or with similar qualification are and will be true, correct and complete
as if made without such qualification.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><IMG SRC="tm252197d6_ex8-2img001.jpg" ALT=""></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Brookline Bancorp,&nbsp;Inc.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">March&nbsp;24, 2025&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Page&nbsp;2</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We also have assumed
the genuineness of all signatures, the authenticity of all documents submitted to us as originals, the conformity to the original documents
of all documents submitted to us as copies, the authority and capacity of the individual or individuals who executed any such documents
on behalf of any person, the conformity to the final documents of all documents submitted to us as drafts and the accuracy and completeness
of all records made available to us. In addition, we have assumed that the Mergers will be consummated in accordance with the Merger
Agreement, that each of the parties to the Merger Agreement will comply with all reporting obligations with respect to the Mergers required
under the Code and the Treasury Regulations thereunder, and that the Merger Agreement is valid and binding in accordance with its terms.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any inaccuracy in,
or breach of, any of the aforementioned statements, representations, warranties and assumptions or any change after the date hereof in
applicable law could adversely affect our opinion. No ruling has been or will be sought from the Internal Revenue Service by any party
to the Merger Agreement as to the United States federal income tax consequences of any aspect of the Mergers.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Based upon and subject
to the foregoing, as well as the limitations set forth below, it is our opinion, under currently applicable United States federal income
tax law, that the Mergers, taken together, will constitute a reorganization within the meaning of Section&nbsp;368(a)&nbsp;of the Code,
and we hereby confirm that the discussion contained in the Joint Proxy Statement/Prospectus under the caption &ldquo;Material United
States Federal Income Tax Consequences of the Mergers,&rdquo; subject to the limitations, qualifications, and assumptions described therein,
constitutes our opinion of the material tax consequences of the Mergers.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We express no opinion
herein other than the opinion expressly set forth above. In particular, no opinion is expressed as to the tax consequences of any of
the transactions under any foreign, state, or local tax law. We also express no opinion on the potential application of Section&nbsp;4501
of Code (regarding the excise tax applicable to certain repurchases of corporate stock) to any portion of the Merger consideration. You
should recognize that our opinion is not binding on the Internal Revenue Service and that a court or the Internal Revenue Service may
disagree with the opinion contained herein. Although we believe that our opinion will be sustained if challenged, there can be no assurance
that this will be the case. The discussion and conclusions set forth above are based upon current provisions of the Code, the Income
Tax Regulations and Procedure and Administration Regulations promulgated thereunder, and existing administrative and judicial interpretations
thereof, all of which are subject to change, potentially with retroactive effect. Changes in applicable law could adversely affect our
opinion. We do not undertake to advise you as to any changes after the date hereof in applicable law that may affect our opinion.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><IMG SRC="tm252197d6_ex8-2img001.jpg" ALT=""></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Brookline Bancorp,&nbsp;Inc.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">March&nbsp;24, 2025&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Page&nbsp;3</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
opinion letter is being provided to you solely in connection with the filing of the Merger Registration Statement and may not be relied
upon by any other person or entity, or used for any other purpose without our prior written consent. </FONT><FONT STYLE="font-size: 10pt">We
hereby consent to the inclusion of this opinion as Exhibit&nbsp;8.2 to the Merger Registration Statement and to the references to our
firm under the captions &ldquo;Material United States Federal Income Tax Consequences of the Mergers&rdquo; and &ldquo;Legal Matters&rdquo;
in the Merger Registration Statement.&nbsp; In giving our consent, we do not admit that we are in the category of persons whose consent
is required under Section&nbsp;7 of the Securities Act or the rules&nbsp;and regulations thereunder.</FONT></P>

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

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    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Very truly yours,&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">/s/ Goodwin Procter LLP&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Goodwin Procter LLP</FONT></TD></TR>
  </TABLE>


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<TYPE>EX-10.1
<SEQUENCE>5
<FILENAME>tm252197d6_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.1</B></P>

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

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

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

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: center">FIFTH AMENDMENT TO EMPLOYMENT
AGREEMENT</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Fifth Amendment (&#8220;Amendment&#8221;)
is made effective as of the closing of the Merger (as defined below) by and among Brookline Bancorp, Inc. (the &#8220;Company&#8221;),
a Delaware corporation, and Brookline Bank, a Massachusetts-chartered trust company (the &#8220;Bank&#8221;), each with its principal
administrative office at 131 Clarendon Street, Boston, Massachusetts 02116, and Paul A. Perrault (&#8220;Executive&#8221;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>WHEREAS</B>, the Company, the Bank, and Executive
have entered into an Employment Agreement dated as of April 11, 2011, as previously amended effective July 25, 2018, March 10, 2021, September
22, 2021, and April 28, 2023 (the &#8220;Employment Agreement&#8221;);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>WHEREAS</B>, the Company has entered into that
certain Agreement and Plan of Merger, by and among Berkshire Hills Bancorp, Inc. (&#8220;Berkshire&#8221;), Commerce Acquisition Sub,
Inc., and the Company, pursuant to which the Company and Berkshire intend to combine in a strategic business combination transaction (the
 &#8220;Merger&#8221;);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>WHEREAS</B>, the Company, the Bank and Executive
wish to amend certain provisions of the Employment Agreement; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>WHEREAS,</B> except as set forth herein, the
Employment Agreement shall remain in full force and effect in all respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>NOW, THEREFORE</B>, in consideration of the
mutual covenants herein contained, and upon the other terms and conditions hereinafter provided, the Company, the Bank, and Executive
hereby agree:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">Section 1 of the Employment Agreement is hereby deleted in its entirety and replaced with the following:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: left">&#8220;During the period of his employment
hereunder, Executive agrees to serve as Chief Executive Officer of the Company, Chief Executive Officer of the Bank and a member of the
Board (as defined below). During said period, Executive also agrees to serve, if elected or appointed, as an officer or director of any
subsidiary or affiliate of the Company or the Bank. Failure to reelect Executive to any of the foregoing offices without the consent of
Executive during the term of this Agreement shall constitute a breach of this Agreement.&#8221;</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: left">This Amendment and the cessation of the Executive&#8217;s service as Chairman of the Bank (including any
material change in the Executive&#8217;s function, duties, or responsibilities as a result of such change in the Executive&#8217;s position)
shall not constitute a breach of the Employment Agreement by the Company or Bank, or constitute grounds for an Event of Termination.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: left">Except as so amended, the Employment Agreement is in all other respects hereby confirmed and defined terms
used but not defined herein shall have the meanings set forth in the Employment Agreement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">4.</TD><TD STYLE="text-align: justify">This Amendment may be executed in two or more counterparts, each of which shall be an original and all
of which together shall constitute one and the same instrument.</TD></TR></TABLE>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, the parties have executed
this Fifth Amendment as of the date first set forth above.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">BROOKLINE BANCORP,
    INC.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%">/s/ Thomas J. Hollister</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: Thomas J. Hollister</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: Lead Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">BROOKLINE BANK</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ Thomas J. Hollister</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: Thomas J. Hollister</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: Lead Director</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">EXECUTIVE</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">/s/
Paul A. Perrault</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Paul A. Perrault</FONT></TD></TR>
  </TABLE>




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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Perrault Employment Agreement
Amendment</I>]</P>

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

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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>6
<FILENAME>tm252197d6_ex10-3.htm
<DESCRIPTION>EXHIBIT 10.3
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exhibit 10.3</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Carl M. Carlson<BR>
4 Temple Road<BR>
Wellesley, MA 02482</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As you know, Brookline Bancorp, Inc. (&ldquo;<U>Brookline</U>&rdquo;)
has entered&nbsp;into that certain Agreement and Plan of Merger, by and among Berkshire Hills Bancorp, Inc. (&ldquo;<U>Berkshire</U>&rdquo;),
Commerce Acquisition Sub, Inc., and Brookline, pursuant to which Brookline and Berkshire intend to combine in a strategic business combination
transaction (the &ldquo;<U>Merger</U>&rdquo;). In connection with the Merger, the Company would like to incentivize you to remain employed
with the Company and the combined business following the Merger, and is pleased to inform you that it has decided to award you a retention
bonus in an aggregate amount of $3,000,000 (the &ldquo;<U>Bonus</U>&rdquo;), subject to and in accordance with the terms of this letter
agreement (the &ldquo;<U>Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">1.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Payment
of Bonus</U>. The Bonus shall be earned and become payable in two equal installments, as follows: (i) fifty percent of the Bonus (the
 &ldquo;<U>First Payment</U>&rdquo;) will become earned and payable to you, for services rendered by you during the First Performance
Period, on the first anniversary of the closing date of the Merger, and (ii) fifty percent of the Bonus (the &ldquo;<U>Second Payment</U>&rdquo;,
and each of the First Payment and the Second Payment are a &ldquo;<U>Payment</U>&rdquo;) will become earned and payable to you, for services
rendered by you during the Second Performance Period, on the second anniversary of the closing date of the Merger (each, a &ldquo;<U>Vesting
Date</U>&rdquo;), in each case, subject to your continued employment through the applicable Vesting Date. If earned, each Payment shall
be paid to you in cash on or within 30 days following the applicable Vesting Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding the foregoing, in the event of
a termination of your employment by the Company or its affiliates without Cause, by you for Good Reason, or due to your death or Disability,
the Company shall pay you the full amount of any unpaid Payment (including the full First Payment and full Second Payment to the extent
unpaid) in a single lump sum cash payment on the first regularly scheduled payroll cycle following the date of termination of employment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this Agreement, &ldquo;Cause&rdquo;,
 &ldquo;Good Reason&rdquo; and &ldquo;Disability&rdquo; shall each have the meanings set forth in your Employment Agreement and the following
terms shall have the meanings set forth below:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Company</U>&rdquo; means Brookline, and
after the Merger becomes effective, the surviving company in the Merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>First Performance Period</U>&rdquo; means
the period commencing on the closing date of the Merger and ending on the day prior to the first anniversary of the closing date of the
Merger.</P>



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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 2</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Second Performance Period</U>&rdquo;
means the period commencing on the first anniversary of the closing date of the Merger and ending on the second anniversary of the closing
date of the Merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Additional
Limitation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Anything in
this Agreement to the contrary notwithstanding, in the event that the amount of any compensation, payment or distribution by the Company
to or for the benefit of you, whether paid or payable or distributed or distributable pursuant to the terms of this Agreement or otherwise,
calculated in a manner consistent with Section 280G of the Internal Revenue Code of 1986, as amended (the &ldquo;<U>Code</U>&rdquo;) and
the applicable regulations thereunder (the &ldquo;<U>Aggregate Payments</U>&rdquo;), would be subject to the excise tax imposed by Section
4999 of the Code, then the Aggregate Payments shall be reduced (but not below zero) so that the sum of all of the Aggregate Payments shall
be $1.00 less than the amount at which you become subject to the excise tax imposed by Section 4999 of the Code; <I>provided, however</I>,
that such reduction shall only occur if it would result in you receiving a higher After Tax Amount (as defined below) than you would receive
if the Aggregate Payments were not subject to such reduction. In such event, the Aggregate Payments shall be reduced in the following
order, in each case, in reverse chronological order beginning with the Aggregate Payments that are to be paid the furthest in time from
consummation of the transaction that is subject to Section 280G of the Code: (1) cash payments not subject to Section 409A of the Code;
(2) cash payments subject to Section 409A of the Code; (3) equity-based payments and acceleration; and (4) non-cash forms of benefits;
<I>provided</I> that in the case of all the foregoing Aggregate Payments all amounts or payments that are not subject to calculation under
Treas. Reg. &sect;1.280G-1, Q&amp;A-24(b) or (c) shall be reduced before any amounts that are subject to calculation under Treas. Reg.
 &sect;1.280G-1, Q&amp;A-24(b) or (c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For purposes
of this Agreement, the &ldquo;<U>After Tax Amount</U>&rdquo; means the amount of the Aggregate Payments less all federal, state, and local
income, excise and employment taxes imposed on you as a result of your receipt of the Aggregate Payments. For purposes of determining
the After Tax Amount, you will be deemed to pay federal income taxes at the highest marginal rate of federal income taxation applicable
to individuals for the calendar year in which the determination is to be made, and state and local income taxes at the highest marginal
rates of individual taxation in each applicable state and locality, net of the maximum reduction in federal income taxes which could be
obtained for the calendar year in which such state and local taxes are paid from deduction of such state and local taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
determination as to whether a reduction in the Aggregate Payments shall be made pursuant to this Section 2 shall be made by a
nationally recognized accounting firm selected by the Company, other than the Company&rsquo;s external auditor (the
 &ldquo;<U>Accounting Firm</U>&rdquo;), which shall provide detailed supporting calculations both to the Company and you within 15
business days of the Date of Termination, if applicable, or at such earlier time as is reasonably requested by the
Company or you. Any determination by the Accounting Firm shall be binding upon the Company and you.</P>

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



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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 3</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The Accounting
Firm currently retained by the Company, after consultation with you and other Company executives, for rendering advice on certain tax
related considerations and making tax related determinations, such as those addressed in this Section 2, is Golden Parachute Tax Solutions
LLC. If the Company should elect in the future to retain some other accounting firm to render similar advice and determinations, it will
also consult with you, and to the extent that any such determinations may directly affect and be binding upon you individually, such consultations
will be undertaken with you in your individual, as opposed to executive, capacity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment
and Termination</U>. The Agreement may only be amended by a written instrument executed by the Company and you.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No Contract
for Continuing Services</U>. This Agreement shall not be construed as creating any contract for continued services between you and the
Company or any of its subsidiaries and nothing herein contained shall create and express or implied contract of employment or alter the
terms of your existing Employment Agreement, dated as of September 22, 2021, by and among you, the Company, Brookline Bank, and Bank Rhode
Island (the &ldquo;<U>Employment Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">5.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law</U>. The Agreement shall be construed in accordance with and governed by the laws of the Commonwealth of Massachusetts, without regard
to principles of conflict of laws of such Commonwealth.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">6.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax Matters</U>.
The Company shall have the right to deduct from all payments hereunder any taxes required by law to be withheld with respect to such payments.
The Bonus is intended to be exempt from the requirements of Section 409A of the Code as a &ldquo;short-term deferral.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">7.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Integration</U>.
This Agreement constitutes the entire agreement between the Company and you concerning the subject matter hereof and supersedes any written
or oral agreement between such parties concerning such subject matter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">8.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Benefits
and Burdens</U>. This Agreement shall inure to the benefit of and be binding upon the Company and you, and its and your respective successors,
executors, administrators, heirs and permitted assigns.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">9.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Enforceability</U>.
If any portion or provision of this Agreement shall to any extent be declared illegal or unenforceable by a court of competent jurisdiction,
then the remainder of this Agreement, or the application of such portion or provision in circumstances other than those as to which it
is so declared illegal or unenforceable, shall not be affected thereby, and each portion and provision of this Agreement shall be valid
and enforceable to the fullest extent permitted by law.</P>

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



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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 4</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">10.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver</U>.
No waiver of any provision hereof shall be effective unless made in writing and signed by the waiving party. The failure of any party
to require the performance of any term or obligation of this Agreement, or the waiver by any party of any breach of this Agreement, shall
not prevent any subsequent enforcement of such term or obligation or be deemed a waiver of any subsequent breach.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">11.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
Any notices, requests, demands, and other communications provided for by this Agreement shall be sufficient if in writing and delivered
in person or sent by registered or certified mail, postage prepaid, to you at the last address you filed in writing with the Company,
or to the Company at its main office, attention of the Board of Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">12.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No Transfers</U>.
Your right to the Bonus may not be assigned or transferred.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[SIGNATURE PAGE FOLLOWS]</I></P>

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

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

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 5</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
have duly executed this Agreement as of the date first written above.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">BROOKLINE BANCORP,
    INC.</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Paul A. Perrault</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Paul A. Perrault</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Chairman and Chief Executive Officer</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif"><B>EXECUTIVE</B></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ Carl M. Carlson</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Carl M. Carlson</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Signature Page to the Retention Bonus Agreement</I></P>

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

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

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>7
<FILENAME>tm252197d6_ex10-4.htm
<DESCRIPTION>EXHIBIT 10.4
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.4</B></P>

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

<P STYLE="margin: 0 0 0 0.5in"><B><U>Confidential</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">8 Sagamore Road&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Wellesley, MA 02482</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As you know, Brookline Bancorp, Inc. (&ldquo;<U>Brookline</U>&rdquo;)
has entered&nbsp;into that certain Agreement and Plan of Merger, by and among Berkshire Hills Bancorp, Inc. (&ldquo;<U>Berkshire</U>&rdquo;),
Commerce Acquisition Sub, Inc., and Brookline, pursuant to which Brookline and Berkshire intend to combine in a strategic business combination
transaction (the &ldquo;<U>Merger</U>&rdquo;). In connection with the Merger, the Company would like to incentivize you to remain employed
with the Company and the combined business following the Merger, and is pleased to inform you that it has decided to award you a retention
bonus in an aggregate amount of $3,000,000 (the &ldquo;<U>Bonus</U>&rdquo;), subject to and in accordance with the terms of this letter
agreement (the &ldquo;<U>Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">1.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Payment
of Bonus</U>. The Bonus shall be earned and become payable in two equal installments, as follows: (i) fifty percent of the Bonus (the
 &ldquo;<U>First Payment</U>&rdquo;) will become earned and payable to you, for services rendered by you during the First Performance
Period, on the first anniversary of the closing date of the Merger, and (ii) fifty percent of the Bonus (the &ldquo;<U>Second Payment</U>&rdquo;,
and each of the First Payment and the Second Payment are a &ldquo;<U>Payment</U>&rdquo;) will become earned and payable to you, for services
rendered by you during the Second Performance Period, on the second anniversary of the closing date of the Merger (each, a &ldquo;<U>Vesting
Date</U>&rdquo;), in each case, subject to your continued employment through the applicable Vesting Date. If earned, each Payment shall
be paid to you in cash on or within 30 days following the applicable Vesting Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding the foregoing, in the event of
a termination of your employment by the Company or its affiliates without Cause, by you for Good Reason, or due to your death or Disability,
the Company shall pay you the full amount of any unpaid Payment (including the full First Payment and full Second Payment to the extent
unpaid) in a single lump sum cash payment on the first regularly scheduled payroll cycle following the date of termination of employment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this Agreement, &ldquo;Cause&rdquo;,
 &ldquo;Good Reason&rdquo; and &ldquo;Disability&rdquo; shall each have the meanings set forth in your Employment Agreement and the following
terms shall have the meanings set forth below:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Company</U>&rdquo; means Brookline, and
after the Merger becomes effective, the surviving company in the Merger.</P>

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



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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 2</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>First Performance Period</U>&rdquo; means
the period commencing on the closing date of the Merger and ending on the day prior to the first anniversary of the closing date of the
Merger.</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Second Performance Period</U>&rdquo;
means the period commencing on the first anniversary of the closing date of the Merger and ending on the second anniversary of the closing
date of the Merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Additional
Limitation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Anything in
this Agreement to the contrary notwithstanding, in the event that the amount of any compensation, payment or distribution by the Company
to or for the benefit of you, whether paid or payable or distributed or distributable pursuant to the terms of this Agreement or otherwise,
calculated in a manner consistent with Section 280G of the Internal Revenue Code of 1986, as amended (the &ldquo;<U>Code</U>&rdquo;) and
the applicable regulations thereunder (the &ldquo;<U>Aggregate Payments</U>&rdquo;), would be subject to the excise tax imposed by Section
4999 of the Code, then the Aggregate Payments shall be reduced (but not below zero) so that the sum of all of the Aggregate Payments shall
be $1.00 less than the amount at which you become subject to the excise tax imposed by Section 4999 of the Code; <I>provided, however</I>,
that such reduction shall only occur if it would result in you receiving a higher After Tax Amount (as defined below) than you would receive
if the Aggregate Payments were not subject to such reduction. In such event, the Aggregate Payments shall be reduced in the following
order, in each case, in reverse chronological order beginning with the Aggregate Payments that are to be paid the furthest in time from
consummation of the transaction that is subject to Section 280G of the Code: (1) cash payments not subject to Section 409A of the Code;
(2) cash payments subject to Section 409A of the Code; (3) equity-based payments and acceleration; and (4) non-cash forms of benefits;
<I>provided</I> that in the case of all the foregoing Aggregate Payments all amounts or payments that are not subject to calculation under
Treas. Reg. &sect;1.280G-1, Q&amp;A-24(b) or (c) shall be reduced before any amounts that are subject to calculation under Treas. Reg.
 &sect;1.280G-1, Q&amp;A-24(b) or (c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;For purposes
of this Agreement, the &ldquo;<U>After Tax Amount</U>&rdquo; means the amount of the Aggregate Payments less all federal, state, and local
income, excise and employment taxes imposed on you as a result of your receipt of the Aggregate Payments. For purposes of determining
the After Tax Amount, you will be deemed to pay federal income taxes at the highest marginal rate of federal income taxation applicable
to individuals for the calendar year in which the determination is to be made, and state and local income taxes at the highest marginal
rates of individual taxation in each applicable state and locality, net of the maximum reduction in federal income taxes which could be
obtained for the calendar year in which such state and local taxes are paid from deduction of such state and local taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
determination as to whether a reduction in the Aggregate Payments shall be made pursuant to this Section 2 shall be made by a
nationally recognized accounting firm selected by the Company, other than the Company&rsquo;s external auditor (the
 &ldquo;<U>Accounting Firm</U>&rdquo;), which shall provide detailed supporting calculations both to the Company and you within 15
business days of the Date of Termination, if applicable, or at such earlier time as is reasonably requested by the
Company or you. Any determination by the Accounting Firm shall be binding upon the Company and you.</P>

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



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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 3</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: #010000">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The Accounting
Firm currently retained by the Company, after consultation with you and other Company executives, for rendering advice on certain tax
related considerations and making tax related determinations, such as those addressed in this Section 2, is Golden Parachute Tax Solutions
LLC. If the Company should elect in the future to retain some other accounting firm to render similar advice and determinations, it will
also consult with you, and to the extent that any such determinations may directly affect and be binding upon you individually, such consultations
will be undertaken with you in your individual, as opposed to executive, capacity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Amendment
and Termination</U>. The Agreement may only be amended by a written instrument executed by the Company and you.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>No Contract
for Continuing Services</U>. This Agreement shall not be construed as creating any contract for continued services between you and the
Company or any of its subsidiaries and nothing herein contained shall create and express or implied contract of employment or alter the
terms of your existing Employment Agreement, dated as of September 22, 2021, by and among you, the Company, Brookline Bank, and Bank Rhode
Island (the &ldquo;<U>Employment Agreement</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">5.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Governing
Law</U>. The Agreement shall be construed in accordance with and governed by the laws of the Commonwealth of Massachusetts, without regard
to principles of conflict of laws of such Commonwealth.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">6.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Tax Matters</U>.
The Company shall have the right to deduct from all payments hereunder any taxes required by law to be withheld with respect to such payments.
The Bonus is intended to be exempt from the requirements of Section 409A of the Code as a &ldquo;short-term deferral.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">7.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Integration</U>.
This Agreement constitutes the entire agreement between the Company and you concerning the subject matter hereof and supersedes any written
or oral agreement between such parties concerning such subject matter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">8.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Benefits
and Burdens</U>. This Agreement shall inure to the benefit of and be binding upon the Company and you, and its and your respective successors,
executors, administrators, heirs and permitted assigns.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">9.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Enforceability</U>.
If any portion or provision of this Agreement shall to any extent be declared illegal or unenforceable by a court of competent jurisdiction,
then the remainder of this Agreement, or the application of such portion or provision in circumstances other than those as to which it
is so declared illegal or unenforceable, shall not be affected thereby, and each portion and provision of this Agreement shall be valid
and enforceable to the fullest extent permitted by law.</P>

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



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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 4</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">10.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Waiver</U>.
No waiver of any provision hereof shall be effective unless made in writing and signed by the waiving party. The failure of any party
to require the performance of any term or obligation of this Agreement, or the waiver by any party of any breach of this Agreement, shall
not prevent any subsequent enforcement of such term or obligation or be deemed a waiver of any subsequent breach.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">11.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Notices</U>.
Any notices, requests, demands, and other communications provided for by this Agreement shall be sufficient if in writing and delivered
in person or sent by registered or certified mail, postage prepaid, to you at the last address you filed in writing with the Company,
or to the Company at its main office, attention of the Board of Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="color: #010000">12.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No Transfers</U>.
Your right to the Bonus may not be assigned or transferred.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[SIGNATURE PAGE FOLLOWS]</I></P>

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

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

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">February 26, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page 5</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
have duly executed this Agreement as of the date first written above.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif">BROOKLINE BANCORP, INC.</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Paul A. Perrault</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Paul A. Perrault</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Chairman and Chief Executive Officer</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif">EXECUTIVE</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: small-caps 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ Michael W. McCurdy</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Michael W. McCurdy</TD></TR>
  </TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Signature Page to the Retention Bonus Agreement</I></P>

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

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

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



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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>8
<FILENAME>tm252197d6_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
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     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;23.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We consent to the incorporation by reference in
this Registration Statement on Form&nbsp;S-4 of Berkshire Hills Bancorp,&nbsp;Inc. of our report dated March&nbsp;3, 2025 relating to
the&nbsp;consolidated&nbsp;financial statements&nbsp;and effectiveness of internal control over financial reporting appearing in the Annual
Report on Form&nbsp;10-K of Berkshire Hills Bancorp,&nbsp;Inc. for the year ended December&nbsp;31, 2024,&nbsp;and to the reference to
us under the heading &quot;Experts&quot; in the prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="tm252197d6_ex23-1img001.jpg" ALT="" STYLE="height: 17px; width: 100px"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-bottom: 0pt; text-align: left">Crowe LLP</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">March&nbsp;24, 2025</P>

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

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

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>9
<FILENAME>tm252197d6_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 23.2</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT><IMG SRC="tm252797d6_ex23-2img001.jpg" ALT=""></TD>
    <TD STYLE="width: 82%; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>KPMG LLP Two Financial Center<BR> 60 South Street<BR> Boston, MA 02111</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Consent of Independent Registered Public Accounting Firm</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We consent to the use of our reports dated March&nbsp;3, 2025, with
respect to the consolidated financial statements of Brookline Bancorp,&nbsp;Inc., and the effectiveness of internal control over financial
reporting, incorporated herein by reference, and to the reference to our firm under the heading &ldquo;Experts&rdquo; in the prospectus.</P>

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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm252797d6_ex23-2img002.jpg" ALT=""></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Boston, Massachusetts<BR>
March&nbsp;24, 2025</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; font-size: 10pt; color: #7F7F7F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 60%"><FONT STYLE="font-size: 8pt">KPMG LLP, a Delaware limited liability partnership and a member firm of <BR>
the KPMG
    global organization of independent member firms affiliated with<BR>
 KPMG International Limited, a private English company limited by
    guarantee.</FONT></TD>
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  </TABLE>

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

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

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

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>10
<FILENAME>tm252197d6_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99.1</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with Rule 438 promulgated under the Securities Act of
1933, as amended, I hereby consent to my being named in this Registration Statement on Form S-4, to which this consent is an exhibit,
filed by Berkshire Hills Bancorp, Inc. (the &ldquo;Registrant&rdquo;) with the Securities and Exchange Commission, and all amendments
(including post-effective amendments) thereto (the &ldquo;Registration Statement&rdquo;) and any prospectus and/or proxy statement contained
therein and any amendment or supplement thereto, as a person who is to become a director of the Registrant upon consummation of the Merger
(as such term is defined in the Agreement and Plan of Merger, dated as of December 16, 2024, by and between the Registrant and Brookline
Bancorp, Inc.), and to the filing of this consent as an exhibit to the Registration Statement.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
<TD COLSPAN="2">Dated: March 24, 2025 &nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
<TD STYLE="width: 5%">&nbsp;</TD>
<TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By:</TD>
<TD STYLE="border-bottom: Black 1pt solid">/s/ Paul A. Perrault</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
<TD STYLE="text-align: left">Name:</TD>
<TD>Paul A. Perrault</TD></TR>
</TABLE>

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

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

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

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

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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>11
<FILENAME>tm252197d6_ex99-2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;</B></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Raymond James &amp; Associates, Inc. (&ldquo;Raymond James&rdquo;)
consents to (i) the inclusion and description of our opinion letter dated December 16, 2024 to the Board of Directors of Berkshire Hills
Bancorp, Inc. (the &ldquo;Company&rdquo;) included as Annex B to the Joint Proxy Statement/Prospectus relating to the proposed merger
of the Company and Brookline Bancorp, Inc., which forms a part of the Registration Statement on Form S-4 of the Company (the &ldquo;Registration
Statement&rdquo;) and (ii) the references to our firm and our opinion included in such Registration Statement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In giving such consent, we do not admit that we come within the category
of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended, or the rules and regulations of the Securities
and Exchange Commission promulgated thereunder, nor do we admit that we are experts with respect to any part of such Registration Statement
within the meaning of the terms &ldquo;experts&rdquo; as used in the Securities Act of 1933, as amended, or the rules and regulations
of the Securities and Exchange Commission thereunder.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">RAYMOND JAMES &amp; ASSOCIATES, INC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: March 24, 2025</P>

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

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

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

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

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<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>12
<FILENAME>tm252197d6_ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99.3</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>CONSENT OF HOVDE GROUP,
LLC</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We hereby consent to the inclusion
of our opinion letter, dated December 15, 2024, to the Board of Directors of Brookline Bancorp, Inc., as Annex C to the proxy statement/prospectus
which forms a part of the Registration Statement on Form S-4 of Berkshire Hills Bancorp, Inc., and to the references to our name and to
the description of such opinion in the proxy statement/prospectus. In giving such consent, we do not admit that we come within the category
of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended (the &ldquo;<U>Act</U>&rdquo;), or the
rules and regulations of the Securities and Exchange Commission thereunder (the &ldquo;<U>Regulations</U>&rdquo;), nor do we admit that
we are experts with respect to any part of such Registration Statement within the meaning of the term &ldquo;experts&rdquo; as used in
the Act or the Regulations.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: black 1pt solid; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Hovde Group, LLC</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hovde Group, LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inverness, Illinois</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 24, 2025</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt; background-color: white"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>13
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<DESCRIPTION>EX-FILING FEES
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          <ix:nonNumeric name="dei:EntityRegistrantName" contextRef="rc" id="ixv-210">BERKSHIRE HILLS BANCORP INC</ix:nonNumeric>
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        <tr>
          <td colspan="4" style="padding-bottom: .5em">
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              <b>Calculation of Filing Fee Tables</b>
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                <ix:nonNumeric name="ffd:FormTp" contextRef="rc" id="ixv-235">S-4</ix:nonNumeric>
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                <ix:nonNumeric name="dei:EntityRegistrantName" contextRef="rc" id="ixv-236">BERKSHIRE HILLS BANCORP INC</ix:nonNumeric>
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          <th style="vertical-align: bottom; text-align: center; width: 90%; word-wrap: break-word">
            <p style="margin: 0pt; text-align: center;">
              <b>Table 1: Newly Registered and Carry Forward Securities</b>
            </p>
          </th>
        </tr>
      </table>
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        <tr style="background-color:#9ADAF6">
          <th style="width: 12%;">
            <!-- BLANK -->
          </th>
          <th style="width: 2%;">
            <!-- BLANK -->
          </th>
          <th style="width: 12%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Security Type</b>
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          <th style="width: 14%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Security Class Title </b>
            </p>
          </th>
          <th style="width: 2%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Fee Calculation or Carry Forward Rule</b>
            </p>
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            <p style="margin: 0pt; text-align: center;">
              <b>Amount Registered</b>
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          <th style="width: 15%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Proposed Maximum Offering Price Per Unit</b>
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          <th style="width: 10%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Maximum Aggregate Offering Price</b>
            </p>
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          <th style="width: 5%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Fee Rate</b>
            </p>
          </th>
          <th style="width: 6%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Amount of Registration Fee</b>
            </p>
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            <p style="margin: 0pt; text-align: center;">
              <b>Carry Forward Form Type</b>
            </p>
          </th>
          <th style="width: 7%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Carry Forward File Number</b>
            </p>
          </th>
          <th style="width: 6%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Carry Forward Initial Effective Date</b>
            </p>
          </th>
          <th style="width: 7%;">
            <p style="margin: 0pt; text-align: center;">
              <b>Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward</b>
            </p>
          </th>
        </tr>
        <tr>
          <td colspan="14" style="text-align: center">
            <b>Newly Registered Securities</b>
          </td>
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            <ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="offrl_1" format="ixt:booleanfalse" id="ixv-237">Fees to be Paid</ix:nonNumeric>
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		1
	</td>
          <td style="text-align: left;">
            <ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="offrl_1" id="ixv-238">Equity</ix:nonNumeric>
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            <ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="offrl_1" id="ixv-239">Common stock, $0.01 par value per share</ix:nonNumeric>
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            <ix:nonNumeric name="ffd:FeesOthrRuleFlg" contextRef="offrl_1" format="ixt:booleantrue" id="ixv-240">Other</ix:nonNumeric>
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            <ix:nonFraction name="ffd:AmtSctiesRegd" unitRef="Shares" decimals="0" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-241">37,882,325</ix:nonFraction>
          </td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">
            <span>$</span>
            <ix:nonFraction name="ffd:MaxAggtOfferingPric" unitRef="USD" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-242">994,411,011.00</ix:nonFraction>
          </td>
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            <ix:nonFraction name="ffd:FeeRate" unitRef="pure" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-243">0.0001531</ix:nonFraction>
          </td>
          <td style="text-align: right;">
            <span>$</span>
            <ix:nonFraction name="ffd:FeeAmt" unitRef="USD" decimals="INF" format="ixt:numdotdecimal" contextRef="offrl_1" id="ixv-244">152,244.33</ix:nonFraction>
          </td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: right;">

	</td>
        </tr>
        <tr style="background-color:#E7E7E2">
          <td style="text-align: left;">
		Fees Previously Paid
	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: left;">

	</td>
          <td style="text-align: left;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: right;">

	</td>
        </tr>
        <tr>
          <td colspan="14" style="text-align: center">
            <b>Carry Forward Securities</b>
          </td>
        </tr>
        <tr style="background-color:#E7E7E2">
          <td style="text-align: left;">
		Carry Forward Securities
	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: left;">

	</td>
          <td style="text-align: left;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: right;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: center;">

	</td>
          <td style="text-align: right;">

	</td>
        </tr>
        <tr>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td colspan="3" style="vertical-align: top">
            <p style="margin: 0pt; text-align: right">Total Offering Amounts:</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top; width: 16%;">
            <p id="MaxAggtOfferingPrice" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlOfferingAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-245">994,411,011.00</ix:nonFraction>
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            <!-- BLANK -->
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            <p id="TotalFeeAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlFeeAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-246">152,244.33</ix:nonFraction>
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          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
        </tr>
        <tr>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
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            <p style="margin: 0pt; text-align: right">
					Total Fees Previously Paid:
				</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top">
            <p id="TotalPreviouslyPaidAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlPrevslyPdAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-247">0.00</ix:nonFraction>
            </p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
        </tr>
        <tr>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td colspan="3" style="vertical-align: top">
            <p style="margin: 0pt; text-align: right">
					Total Fee Offsets:
				</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top">
            <p id="TotalOffsetAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:TtlOffsetAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-248">0.00</ix:nonFraction>
            </p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
        </tr>
        <tr>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td colspan="3" style="vertical-align: top">
            <p style="margin: 0pt; text-align: right">
					Net Fee Due:
				</p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td style="vertical-align: top">
            <p id="NetFeeAmt" style="margin: 0pt; text-align: right">
              <span>$</span>
              <ix:nonFraction name="ffd:NetFeeAmt" contextRef="rc" decimals="INF" format="ixt:numdotdecimal" unitRef="USD" id="ixv-249">152,244.33</ix:nonFraction>
            </p>
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
        </tr>
      </table>
    </div>
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        <tbody>
          <tr style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; vertical-align: top;">
            <td>
              <p style="margin:0pt;text-align:left; margin-bottom: 5px;">
                <b>Offering Note</b>
              </p>
            </td>
            <td/>
          </tr>
        </tbody>
      </table>
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            <p style="margin:0pt;text-align:left;">
              <sup style="vertical-align:top;line-height:120%;font-size:10px">1</sup>
            </p>
          </td>
          <td colspan="7" style="white-space: pre-line;">
            <ix:nonNumeric name="ffd:OfferingNote" escape="1" contextRef="offrl_1" id="ixv-250">(1)	The number of shares of common stock, par value $0.01 per share, of Berkshire Hills Bancorp, Inc. ("Berkshire" and, such shares, the "Berkshire common stock") being registered is based upon (i) the exchange ratio of 0.42 shares of Berkshire common stock for each share of common stock, par value $0.01 per share, of Brookline Bancorp ("Brookline" and, such shares, the "Brookline common stock") multiplied by (ii) an estimate of the maximum number of shares of Brookline common stock issued and outstanding as of March 19, 2025 or issuable or expected to be exchanged (including in respect of Brookline equity awards) in connection with the merger of Brookline with and into Berkshire (the "merger"), which collectively equals 90,196,010.

(2)	Estimated solely for the purpose of calculating the registration fee required by Section 6(b) of the Securities Act of 1933, as amended (the "Securities Act") and calculated in accordance with Rules 457(c) and 457(f)(1) promulgated thereunder. The aggregate offering price is (i) the average of the high and low prices of Brookline common stock as reported on the NASDAQ Global Select Market on March 19, 2025 ($11.025) multiplied by (ii) the estimated maximum number of shares of Brookline common stock to be converted in the merger (90,196,010).

(3)	Calculated by multiplying the estimated aggregate offering price of securities to be registered by 0.0001531.</ix:nonNumeric>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Mar. 19, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0001108134<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">BERKSHIRE HILLS BANCORP INC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">S-4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">S-4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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</DOCUMENT>
<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Offerings - Offering: 1<br></strong></div></th>
<th class="th">
<div>Mar. 19, 2025 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesOthrRuleFlg', window );">Other Rule</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Common stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_AmtSctiesRegd', window );">Amount Registered | shares</a></td>
<td class="nump">37,882,325<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxAggtOfferingPric', window );">Maximum Aggregate Offering Price</a></td>
<td class="nump">$ 994,411,011.00<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeRate', window );">Fee Rate</a></td>
<td class="nump">0.01531%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeAmt', window );">Amount of Registration Fee</a></td>
<td class="nump">$ 152,244.33<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">(1)	The number of shares of common stock, par value $0.01 per share, of Berkshire Hills Bancorp, Inc. ("Berkshire" and, such shares, the "Berkshire common stock") being registered is based upon (i) the exchange ratio of 0.42 shares of Berkshire common stock for each share of common stock, par value $0.01 per share, of Brookline Bancorp ("Brookline" and, such shares, the "Brookline common stock") multiplied by (ii) an estimate of the maximum number of shares of Brookline common stock issued and outstanding as of March 19, 2025 or issuable or expected to be exchanged (including in respect of Brookline equity awards) in connection with the merger of Brookline with and into Berkshire (the "merger"), which collectively equals 90,196,010.

(2)	Estimated solely for the purpose of calculating the registration fee required by Section 6(b) of the Securities Act of 1933, as amended (the "Securities Act") and calculated in accordance with Rules 457(c) and 457(f)(1) promulgated thereunder. The aggregate offering price is (i) the average of the high and low prices of Brookline common stock as reported on the NASDAQ Global Select Market on March 19, 2025 ($11.025) multiplied by (ii) the estimated maximum number of shares of Brookline common stock to be converted in the merger (90,196,010).

(3)	Calculated by multiplying the estimated aggregate offering price of securities to be registered by 0.0001531.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_AmtSctiesRegd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of securities being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_AmtSctiesRegd</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total amount of registration fee (amount due after offsets).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeAmt</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The rate per dollar of fees that public companies and other issuers pay to register their securities with the Commission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Checkbox indicating whether filer is using a rule other than 457(a), 457(o), or 457(f) to calculate the registration fee due.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeesOthrRuleFlg</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum aggregate offering price for the offering that is being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_MaxAggtOfferingPric</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingNote</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The title of the class of securities being registered (for each class being registered).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingSctyTitl</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Type of securities: "Asset-backed Securities", "ADRs/ADSs", "Debt", "Debt Convertible into Equity", "Equity", "Face Amount Certificates", "Limited Partnership Interests", "Mortgage Backed Securities", "Non-Convertible Debt", "Unallocated (Universal) Shelf", "Exchange Traded Vehicle Securities", "Other"</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td></td>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fees Summary<br></strong></div></th>
<th class="th">
<div>Mar. 19, 2025 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlOfferingAmt', window );">Total Offering</a></td>
<td class="nump">$ 994,411,011.00<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlPrevslyPdAmt', window );">Previously Paid Amount</a></td>
<td class="nump">0.00<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlFeeAmt', window );">Total Fee Amount</a></td>
<td class="nump">152,244.33<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlOffsetAmt', window );">Total Offset Amount</a></td>
<td class="nump">0.00<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NetFeeAmt', window );">Net Fee</a></td>
<td class="nump">$ 152,244.33<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeesSummaryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeesSummaryLineItems</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_NetFeeAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_NetFeeAmt</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlFeeAmt</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlOfferingAmt</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlOffsetAmt</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlPrevslyPdAmt</td>
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<FILENAME>tm252197d5_ex-filingfees_htm.xml
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<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2025"
  xmlns:ffd="http://xbrl.sec.gov/ffd/2025"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
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    <link:schemaRef
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      xlink:type="simple"/>
    <context id="rc">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001108134</identifier>
        </entity>
        <period>
            <startDate>2025-03-19</startDate>
            <endDate>2025-03-19</endDate>
        </period>
    </context>
    <context id="offrl_1">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001108134</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>1</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-03-19</startDate>
            <endDate>2025-03-19</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="pure">
        <measure>pure</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <ffd:FormTp contextRef="rc" id="ixv-206">S-4</ffd:FormTp>
    <ffd:SubmissnTp contextRef="rc" id="ixv-207">S-4</ffd:SubmissnTp>
    <ffd:FeeExhibitTp contextRef="rc" id="ixv-208">EX-FILING FEES</ffd:FeeExhibitTp>
    <dei:EntityCentralIndexKey contextRef="rc" id="ixv-209">0001108134</dei:EntityCentralIndexKey>
    <dei:EntityRegistrantName contextRef="rc" id="ixv-210">BERKSHIRE HILLS BANCORP INC</dei:EntityRegistrantName>
    <ffd:FormTp contextRef="rc" id="ixv-235">S-4</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="rc" id="ixv-236">BERKSHIRE HILLS BANCORP INC</dei:EntityRegistrantName>
    <ffd:PrevslyPdFlg contextRef="offrl_1" id="ixv-237">false</ffd:PrevslyPdFlg>
    <ffd:OfferingSctyTp contextRef="offrl_1" id="ixv-238">Equity</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl contextRef="offrl_1" id="ixv-239">Common stock, $0.01 par value per share</ffd:OfferingSctyTitl>
    <ffd:FeesOthrRuleFlg contextRef="offrl_1" id="ixv-240">true</ffd:FeesOthrRuleFlg>
    <ffd:AmtSctiesRegd
      contextRef="offrl_1"
      decimals="0"
      id="ixv-241"
      unitRef="Shares">37882325</ffd:AmtSctiesRegd>
    <ffd:MaxAggtOfferingPric
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-242"
      unitRef="USD">994411011.00</ffd:MaxAggtOfferingPric>
    <ffd:FeeRate
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-243"
      unitRef="pure">0.0001531</ffd:FeeRate>
    <ffd:FeeAmt
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-244"
      unitRef="USD">152244.33</ffd:FeeAmt>
    <ffd:TtlOfferingAmt contextRef="rc" decimals="INF" id="ixv-245" unitRef="USD">994411011.00</ffd:TtlOfferingAmt>
    <ffd:TtlFeeAmt contextRef="rc" decimals="INF" id="ixv-246" unitRef="USD">152244.33</ffd:TtlFeeAmt>
    <ffd:TtlPrevslyPdAmt contextRef="rc" decimals="INF" id="ixv-247" unitRef="USD">0.00</ffd:TtlPrevslyPdAmt>
    <ffd:TtlOffsetAmt contextRef="rc" decimals="INF" id="ixv-248" unitRef="USD">0.00</ffd:TtlOffsetAmt>
    <ffd:NetFeeAmt contextRef="rc" decimals="INF" id="ixv-249" unitRef="USD">152244.33</ffd:NetFeeAmt>
    <ffd:OfferingNote contextRef="offrl_1" id="ixv-250">(1)	The number of shares of common stock, par value $0.01 per share, of Berkshire Hills Bancorp, Inc. ("Berkshire" and, such shares, the "Berkshire common stock") being registered is based upon (i) the exchange ratio of 0.42 shares of Berkshire common stock for each share of common stock, par value $0.01 per share, of Brookline Bancorp ("Brookline" and, such shares, the "Brookline common stock") multiplied by (ii) an estimate of the maximum number of shares of Brookline common stock issued and outstanding as of March 19, 2025 or issuable or expected to be exchanged (including in respect of Brookline equity awards) in connection with the merger of Brookline with and into Berkshire (the "merger"), which collectively equals 90,196,010.

(2)	Estimated solely for the purpose of calculating the registration fee required by Section 6(b) of the Securities Act of 1933, as amended (the "Securities Act") and calculated in accordance with Rules 457(c) and 457(f)(1) promulgated thereunder. The aggregate offering price is (i) the average of the high and low prices of Brookline common stock as reported on the NASDAQ Global Select Market on March 19, 2025 ($11.025) multiplied by (ii) the estimated maximum number of shares of Brookline common stock to be converted in the merger (90,196,010).

(3)	Calculated by multiplying the estimated aggregate offering price of securities to be registered by 0.0001531.</ffd:OfferingNote>
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