<SEC-DOCUMENT>0001571049-15-007733.txt : 20150921
<SEC-HEADER>0001571049-15-007733.hdr.sgml : 20150921
<ACCEPTANCE-DATETIME>20150918190150
ACCESSION NUMBER:		0001571049-15-007733
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20150921
DATE AS OF CHANGE:		20150918

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BRIDGE BANCORP INC
		CENTRAL INDEX KEY:			0000846617
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				112934195
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-199122
		FILM NUMBER:		151116296

	BUSINESS ADDRESS:	
		STREET 1:		2200 MONTAUK HGWAY
		CITY:			BRIDGEHAMPTON
		STATE:			NY
		ZIP:			11932
		BUSINESS PHONE:		6315371000

	MAIL ADDRESS:	
		STREET 1:		PO BOX 3005
		CITY:			BRIDGEHAMPTON
		STATE:			NY
		ZIP:			11932

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BRIDGE BANCORP INC
		CENTRAL INDEX KEY:			0000846617
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				112934195
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		2200 MONTAUK HGWAY
		CITY:			BRIDGEHAMPTON
		STATE:			NY
		ZIP:			11932
		BUSINESS PHONE:		6315371000

	MAIL ADDRESS:	
		STREET 1:		PO BOX 3005
		CITY:			BRIDGEHAMPTON
		STATE:			NY
		ZIP:			11932
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>t1502202_fwp-x1.htm
<DESCRIPTION>FREE WRITING PROSPECTUS
<TEXT>
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     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Filed Pursuant to Rule 433</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Registration No. 333-199122</B></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>September 15, 2015</B></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Bridge Bancorp, Inc.</B></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>$40,000,000</B></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>5.25% Fixed-to-Floating Rate Subordinated
Notes due September 30, 2025</B></P>

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

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>Revised Term Sheet</U></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Issuer:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">Bridge Bancorp, Inc. (the &ldquo;Company&rdquo;)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Security:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">5.25% Fixed-to-Floating Rate Subordinated Notes due September 30, 2025 (the &ldquo;Subordinated Notes&rdquo;)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Aggregate Principal Amount:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">$40,000,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Expected Rating:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: left">Kroll Bond Rating Agency: BBB-</P>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: left">A rating is not a recommendation to buy, sell
        or hold securities. Ratings may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating
        should be evaluated independently of any other rating.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Trade Date:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;September 15, 2015</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Settlement Date (T+4):</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;September 21, 2015 </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Final Maturity (if not previously redeemed):</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;September 30, 2025</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Reference Benchmark:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">UST 2.000% due August 15, 2025</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Benchmark Yield:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">2.28%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Spread to Benchmark:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">+297 bps</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Yield to Investors:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">5.25%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Annual Coupon:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">5.25% per annum, from and including September 21, 2015, but excluding September 30, 2020, payable semi-annually in arrears. From and including September 30, 2020 through maturity or early redemption date, the interest rate shall reset quarterly to an interest rate per annum equal to the then current three-month LIBOR rate plus 360 basis points, payable quarterly in arrears.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Issue Price to Investors:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">100%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Interest Payment Dates:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">Interest on the Subordinated Notes will be payable on September 30 and March 30 of each year through September 30, 2020 and quarterly thereafter on March 30, June 30, September 30, and December 30 of each year through the maturity date or early redemption date.&nbsp;&nbsp;The first interest payment will be made on March 30, 2016.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Day Count Convention:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">30/360 to but excluding September 30, 2020, and, thereafter, a 360-day year and the number of days actually elapsed.</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 10.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Optional Redemption:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">The Company may, at its option, beginning with the interest payment date of September 30, 2020 and on any scheduled interest payment date thereafter, redeem the Subordinated Notes, in whole or in part, upon not fewer than 30 nor greater than 60 days&rsquo; notice to holders (which notice may be conditional), at a redemption price equal to 100% of the principal amount of the Subordinated Notes to be redeemed plus accrued and unpaid interest to, but excluding, the date of redemption. Any partial redemption will be made pro rata among all of the holders.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Special Event Redemption:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">The Company may redeem the Subordinated Notes, at its option, in whole, at any time, or in part from time to time, if (i) a change or prospective change in law occurs that could prevent it from deducting interest payable on the Subordinated Notes for U.S. federal income tax purposes, (ii) a subsequent event occurs that precludes the Subordinated Notes from being treated as Tier 2 capital for regulatory capital purposes, or (iii) it is required to register as an investment company under the Investment Company Act of 1940, as amended, in each case, at a redemption price equal to 100% of the principal amount of the Subordinated Notes plus any accrued and unpaid interest through, but excluding, the redemption date. For more information, see &ldquo;Description of the Notes&mdash;Redemption&rdquo; in the preliminary prospectus supplement dated September 15, 2015.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Denominations:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">$1,000 minimum denominations and $1,000 integral multiples thereof. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Listing and Trading Markets:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">The Company does not intend to list the Subordinated Notes on any securities exchange or to have the Subordinated Notes quoted on a quotation system. Currently there is no public market for the Subordinated Notes and there can be no assurances that any public market for them will develop.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Underwriters&rsquo; Discount:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">1.50%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Proceeds to the Company (before expenses):</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">$39,400,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Ranking:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: left">The Subordinated Notes will be unsecured, subordinated
        and:</P>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif">will
        rank junior in right of payment and upon our liquidation to any existing and all future senior debt (as defined in the
        Indenture and described under &ldquo;Description of the Notes&rdquo; in the prospectus supplement);</FONT></P>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif">will
        rank junior in right of payment and upon our liquidation to any of our existing and all of our future general creditors;</FONT></P>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt"><FONT STYLE="font-family: Symbol">&#183;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif">will
        rank equal in right of payment and upon our liquidation with any existing and all future indebtedness the terms of which
        provide that such indebtedness ranks equally with the Subordinated Notes;</FONT></P>
        <P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.85pt; text-align: left; text-indent: -13.5pt"><FONT STYLE="font-family: Symbol">&#183;</FONT>&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif">will
rank senior in right of payment and upon our liquidation to (i) our existing junior subordinated debentures underlying outstanding
trust preferred securities, and (ii) any indebtedness the terms of which provide that such indebtedness ranks junior to the Subordinated
Notes; and</FONT></P></TD></TR>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%; font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 73%; padding-left: 23.85pt; font-size: 10.5pt; text-align: left; text-indent: -13.5pt"><FONT STYLE="font: 10pt Symbol">&#183;</FONT><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">will
    be effectively subordinated to all of the existing and future indebtedness, deposits and other liabilities of the Bank and
    our other current and future subsidiaries, including without limitation the Bank&rsquo;s depositors, liabilities to general
    creditors and liabilities arising during the ordinary course or otherwise.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>CUSIP/ISIN:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">108035 AA4</FONT></TD></TR>
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    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
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    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Book-Running Manager:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">Sandler O&rsquo;Neill + Partners, L.P.</FONT></TD></TR>
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    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
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    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Co-Manager:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">Keefe, Bruyette &amp; Woods, A Stifel Company</FONT></TD></TR>
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    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif"><B>Concurrent Offering:</B></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Calibri, Helvetica, Sans-Serif">On September 15, 2015, the Company priced its offering of an aggregate of $40,000,000 of 5.75% Fixed-to-Floating Rate Subordinated Notes due 2030.</FONT></TD></TR>
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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>The Company has filed a shelf registration
statement (File No. 333-199122) (including base prospectus) and related preliminary prospectus supplements dated September 15,
2015 with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;) for the offerings to which this communication relates.
Before you invest, you should read the prospectus in that registration statement, any related applicable preliminary prospectus
supplement and any other documents that the Company has filed with the SEC for more information about the Company and the offerings.
You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the issuer, any underwriter
or any dealer participating in the offerings will arrange to send you the prospectus and the related preliminary prospectus supplement
if you request it by calling Sandler O&rsquo;Neill + Partners, L.P. toll-free at 866-805-4128.</B></P>

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