<SEC-DOCUMENT>0001571049-16-020049.txt : 20161121
<SEC-HEADER>0001571049-16-020049.hdr.sgml : 20161121
<ACCEPTANCE-DATETIME>20161121160552
ACCESSION NUMBER:		0001571049-16-020049
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20161121
DATE AS OF CHANGE:		20161121

FILER:

	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:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-210245
		FILM NUMBER:		162010392

	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>424B5
<SEQUENCE>1
<FILENAME>t1602879_424b5.htm
<DESCRIPTION>PRELIMINARY PROSPECTUS SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in; color: red"><FONT STYLE="background-color: white"><B>The
information in this preliminary prospectus supplement and the accompanying prospectus is not complete and may be changed. This
preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securities, and we are not soliciting
offers to buy these securities, in any jurisdiction where the offer or sale is not permitted.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 19.95pt; color: red">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 16pt; color: red"><B>SUBJECT TO
COMPLETION, DATED NOVEMBER 21, 2016</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right; text-indent: 0.25in"><B>Filed pursuant to Rule
424(b)(5)<BR>
Registration Statement No. 333-210245</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">To the Prospectus Dated April 22, 2016</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><IMG SRC="t1602879_424b5logo1.jpg" ALT="" STYLE="height: 98.34px; width: 330px"></P>

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

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

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are offering&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
of our common stock, $0.01 par value per share, pursuant to this prospectus supplement and the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock is listed and traded on the
NASDAQ Global Select Market, or &ldquo;NASDAQ,&rdquo; under the symbol &ldquo;BDGE.&rdquo; On November 18, 2016, the last
reported price of our common stock on NASDAQ was $32.00 per share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Investing in our common stock involves risks.
Please carefully consider the risks discussed in &ldquo;Risk Factors&rdquo; beginning on page S-12 of this
prospectus supplement <FONT STYLE="background-color: white">and in the documents incorporated by reference in this prospectus
supplement, including the risk factors contained therein, for a discussion of certain factors that you should consider before
making your investment decision.</FONT></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Per Share</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Total</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; text-align: justify; text-indent: 0in">Public offering price</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right"></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right"></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; text-indent: 0in">Underwriting discount</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"></FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; text-indent: 0in">Proceeds, before expenses, to Bridge Bancorp, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"></FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="background-color: white">The shares
of common stock are being offered through the underwriters on a firm commitment basis. We have granted the underwriters a 30-day
option to purchase &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; additional shares of our common stock
at the same price and on the same terms.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Neither the Securities and Exchange Commission
nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy or accuracy of
this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>These securities are not savings accounts,
deposits, or other obligations of a bank or savings association and are not insured by the Federal Deposit Insurance Corporation
or any other governmental agency.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The underwriters expect to deliver the common
stock in book-entry form only, through the facilities of The Depository Trust Company, against payment on or about November &nbsp;&nbsp;&nbsp;&nbsp;
, 2016.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 52%; text-indent: 16pt"><FONT STYLE="font-size: 10pt">SANDLER O&rsquo;NEILL + PARTNERS, L.P.</FONT></TD>
    <TD STYLE="width: 48%; text-align: right; text-indent: 16pt"><FONT STYLE="font-size: 10pt">KEEFE, BRUYETTE &amp; WOODS, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 16pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 16pt"><FONT STYLE="font-size: 10pt">A STIFEL COMPANY</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">The date of this prospectus
supplement is November&nbsp;&nbsp;&nbsp;&nbsp;, 2016.</P>

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


<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><A NAME="toc"></A><FONT STYLE="text-transform: uppercase"><B>TABLE
OF CONTENTS</B></FONT></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="text-align: center; background-color: White"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Prospectus Supplement</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ABOUT THIS PROSPECTUS SUPPLEMENT</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>WHERE YOU CAN FIND MORE INFORMATION</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</B></FONT></A></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>S-2</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PROSPECTUS SUPPLEMENT SUMMARY</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>THE OFFERING</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SUMMARY OF SELECTED FINANCIAL DATA</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>RISK FACTORS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>MARKET FOR COMMON STOCK AND OUR DIVIDEND POLICY</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>USE OF PROCEEDS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CAPITALIZATION</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>DESCRIPTION OF OUR COMMON STOCK</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>UNDERWRITING</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-transform: uppercase"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Transfer Agent</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>LEGAL MATTERS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#a_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>EXPERTS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><B>S-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="background-color: White">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: White"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Prospectus</B></FONT></TD></TR>

<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: center; background-color: White">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: White"><B>&nbsp;</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 93%; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_001">ABOUT THIS PROSPECTUS</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_002">WHERE YOU CAN FIND MORE INFORMATION</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_003">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_004">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_005">RISK FACTORS</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_006">OUR COMPANY</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_007">CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_008">USE OF PROCEEDS</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_009">REGULATION AND SUPERVISION</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12.25pt; text-indent: -12.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_010">DESCRIPTION OF SECURITIES</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>5</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.25in; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_011">Debt Securities</A></B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>5</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_012">Common Stock</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>11</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.25in; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_013">Preferred Stock</A></B></FONT></TD>
    <TD STYLE="text-align: right; text-indent: 16pt"><FONT STYLE="font-size: 10pt"><B>12</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 0.25in; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_014">Depository Shares</A></B></FONT></TD>
    <TD STYLE="text-align: right; text-indent: 16pt"><FONT STYLE="font-size: 10pt"><B>14</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_015">Warrants</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>16</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_016">Purchase Contracts</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>17</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B><A HREF="#pro_017">Units</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>18</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_018">GLOBAL SECURITIES</A></B></FONT></TD>
    <TD NOWRAP STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>18</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12.25pt; text-indent: -12.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_019">PLAN OF DISTRIBUTION</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>20</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12.25pt; text-indent: -12.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_020">LEGAL OPINIONS</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>21</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A HREF="#pro_021">EXPERTS</A></B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>21</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white"><B>You should rely
only on the information contained or incorporated by reference in this prospectus supplement and the accompanying prospectus. We
have not, and the underwriters have not, authorized any other person to provide you with different or additional information. If
anyone provides you with different or additional information, you should not rely on it. We are not, and the underwriters are not,
making an offer to sell our securities in any jurisdiction where the offer or sale is not permitted.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white"><B>You should assume
that the information appearing in this prospectus supplement, the accompanying prospectus and any documents incorporated by reference
herein, is accurate as of their respective dates. However, our business, financial condition, liquidity, results of operations,
and prospects may have changed since those dates. This prospectus supplement supersedes the accompanying prospectus to the extent
it contains information that is different from or in addition to the information in that prospectus.</B></P>

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

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

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_001"></A>ABOUT THIS PROSPECTUS SUPPLEMENT</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">This document consists
of two parts. The first part is this prospectus supplement, which describes the specific terms of this offering and certain other
matters, and also updates and adds to the information contained in the accompanying prospectus and the documents incorporated by
reference into this prospectus supplement and the accompanying prospectus. The second part is the accompanying prospectus, which
provides more general information about us, our common stock and other securities that we may offer from time to time, some of
which may not apply to this offering. You should read this prospectus supplement and the accompanying prospectus with the additional
information described below under the headings &ldquo;Where You Can Find More Information&rdquo; and &ldquo;Incorporation of Certain
Documents by Reference.&rdquo; Generally, when we refer to this &ldquo;prospectus&rdquo; we mean this prospectus supplement together
with the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">If the information
set forth in this prospectus supplement differs in any way from the information set forth in the accompanying prospectus, you should
rely on the information set forth in this prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">Unless we specifically
state otherwise, the information in this prospectus supplement assumes no exercise of the underwriters&rsquo; option to purchase
additional shares of our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">We are offering to
sell shares of our common stock only in jurisdictions where offers and sales are permitted. The distribution of this prospectus
and the offering of the common stock in certain jurisdictions may be restricted by law. This prospectus does not constitute, and
may not be used in connection with, an offer to sell, or a solicitation of an offer to buy, any common stock offered by this prospectus
by any person in any jurisdiction in which it is unlawful for such person to make such an offer or solicitation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">In this prospectus
supplement, unless otherwise expressly stated or the context otherwise requires, the terms &ldquo;we,&rdquo; &ldquo;us,&rdquo;
the &ldquo;Company,&rdquo; and &ldquo;our&rdquo; refer to Bridge Bancorp, Inc. and our subsidiaries on a consolidated basis. References
to the &ldquo;Bank&rdquo; refer to The Bridgehampton National Bank, our wholly-owned subsidiary through which we conduct all of
our business, and its subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">Currency amounts in
this prospectus supplement and the accompanying prospectus are stated in U.S. dollars.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_002"></A>WHERE YOU CAN FIND MORE INFORMATION</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This prospectus incorporates important business
and financial information about Bridge Bancorp from documents filed with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;),
with which we file registration statements, periodic reports, proxy statements, and other information. Our SEC filings are available
over the Internet, at no cost, from the SEC&rsquo;s website at <U>www.sec.gov </U>and from our website at <U>www.bridgenb.com</U>.
You may also read and copy any document we file by visiting the SEC&rsquo;s public reference room in Washington, D.C.&nbsp;The
SEC&rsquo;s address in Washington, D.C. is 100 F Street, N.E., Washington, D.C. 20549.&nbsp;Please call the SEC at 1-800-SEC-0330
for further information about the public reference room. You may also receive copies of documents filed with the SEC, including
documents incorporated by reference in this prospectus, at no cost, by addressing your request to:</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">2200 Montauk Highway</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Bridgehampton, New York 11932</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Senior Executive Vice President, Chief Operating
Officer</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except as specifically incorporated by reference
in this prospectus supplement, information on the websites listed above is not part of this prospectus supplement. You should rely
only on the information contained in, or incorporated by reference into, this document. No one has been authorized to provide you
with information that is different from that contained in, or incorporated by reference into, this document. This document is dated
November , 2016, and you should assume that the information in this document is accurate only as of such date. You should assume
that the information incorporated by reference into this document is accurate only as of the date of such incorporated document.</P>

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


<!-- Field: Page; Sequence: 3; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_003"></A>INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The SEC allows us to &ldquo;incorporate by reference&rdquo;
information into this prospectus supplement. This means that we can disclose important information to you by referring you to another
document that we file separately with the SEC. The information incorporated by reference is considered to be a part of this prospectus
supplement, except for any information that is superseded by information that is included directly in this document or in a more
recent incorporated document.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This prospectus supplement incorporates by reference
the documents listed below that we have previously filed with the SEC.&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 49%; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>SEC
    Filings</B></FONT></TD>
    <TD STYLE="width: 2%; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 49%; padding-left: 0.1in; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 5.55pt; text-align: center"><FONT STYLE="font-size: 8pt"><B>Period
        or Filing Date (as applicable)</B></FONT></P>
</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quarterly
    Reports on Form 10-Q</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Quarters ended March 31, 2016; June 30, 2016; and September 30, 2016</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annual Report on Form 10-K</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Year ended December 31, 2015</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-indent: 16pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current Reports on Form 8-K (in each case other than those portions furnished under Item 2.02 or 7.01 of Form 8-K)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">January 8, 2016; March 21, 2016; April 7, 2016; April 12, 2016; May 11, 2016; May 31, 2016; June 29, 2016; July 8, 2016; July 25, 2016; and October 7, 2016</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 10pt; text-indent: -10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The description of our common stock set forth in the registration statement on Form 8-A12B (No. 001-34096) and any amendment or report filed with the SEC for the purpose of updating this description</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;June 9, 2008</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition, we also incorporate
by reference all future documents that we file with the SEC under Sections 13(a), 13(c), 14 or 15(d)&nbsp;of the Securities Exchange
Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), after the date of our initial registration statement relating to the
securities covered by this prospectus until the completion of the distribution of such securities. These documents include periodic
reports, such as annual reports on Form&nbsp;10-K, quarterly reports on Form&nbsp;10-Q and current reports on Form&nbsp;8-K (other
than current reports or portions thereof furnished under Items 2.02 or 7.01 of Form&nbsp;8-K, unless specifically incorporated
herein), as well as proxy statements.&nbsp; The information incorporated by reference contains information about us and our financial
condition and is an important part of this prospectus supplement and the accompanying prospectus.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_004"></A>CAUTIONARY NOTE REGARDING FORWARD-LOOKING
STATEMENTS</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This document, including information included
or incorporated by reference into this document, may contain forward-looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, (i)&nbsp;the financial condition,
results of operations and business of Bridge Bancorp; (ii)&nbsp;statements about Bridge Bancorp&rsquo;s plans, objectives, expectations
and intentions and other statements that are not historical facts; and (iii)&nbsp;other statements identified by words such as
&ldquo;expects,&rdquo; &ldquo;anticipates,&rdquo; &ldquo;intends,&rdquo; &ldquo;plans,&rdquo; &ldquo;believes,&rdquo; &ldquo;seeks,&rdquo;
&ldquo;estimates,&rdquo; or words of similar meaning. These forward-looking statements are based on current beliefs and expectations
of Bridge Bancorp&rsquo;s management and are inherently subject to significant business, economic and competitive uncertainties
and contingencies, many of which are beyond its control. In addition, these forward-looking statements are subject to assumptions
with respect to future business strategies and decisions that are subject to change.&nbsp;</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">changes in local, regional and international business, economic or
political conditions in the regions where we operate or have significant assets;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">changes in trade, monetary and fiscal policies of various governmental
bodies and central banks, that could affect the economic environment in which we operate;</FONT></TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 4; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">changes in laws, regulations, and policies affecting the financial
services industry and the application thereof by regulatory bodies;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">effective on January&nbsp;1, 2015 and subject to certain transition
periods, changes in minimum capital requirements, adjustments to prompt corrective action thresholds, increased quality of regulatory
capital, revised risk-weighting of certain assets, and implementation of a &ldquo;capital conservation buffer,&rdquo; included
in the final rule promulgated by the Board of Governors of the Federal Reserve System (the &ldquo;Federal Reserve Board&rdquo;)
on July&nbsp;2, 2013, to implement the so-called &ldquo;Basel III&rdquo; accords;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the interest rate environment may change, causing margins to compress
and adversely affecting net interest income;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the risks associated with continued diversification of assets and
adverse changes to credit quality;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">higher than expected loan losses within one or more segments of our
portfolio;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the risks associated with our concentration of commercial real estate
loans;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">unexpected significant declines in the loan portfolio due to the lack
of economic expansion, increased competition, large prepayments or other factors;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">declines in the value our investment portfolio, including other-than-temporary
impairment charges on our investment securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">an unexpected decline in real estate values within our market area;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">our internal controls and procedures may not be adequate to prevent
losses;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">cyber attacks, computer viruses or other malware that may breach the
security of our websites or other systems to obtain unauthorized access to confidential information, destroy data, disable or degrade
service, or sabotage our systems;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">increased competition from other financial services companies in our
markets; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the risk that an economic slowdown could adversely affect credit quality
and loan originations.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We assume no obligation for updating our forward-looking
statements at any time. When considering these forward-looking statements, you should keep in mind these risks and uncertainties,
as well as the other cautionary statements made in this prospectus and the prospectus supplement. You should not place undue reliance
on any forward-looking statement, which speaks only as of the date made. You should refer to our periodic and current reports filed
with the SEC for specific risks that could cause actual results to be significantly different from those expressed or implied by
these forward-looking statements. See &ldquo;Where You Can Find More Information&rdquo; above and &ldquo;Risk Factors&rdquo; below.</P>

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


<!-- Field: Page; Sequence: 5; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<DIV STYLE="padding: 0.2in; border: Black 1pt solid; width: 99%">

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0.25in"><A NAME="a_005"></A>PROSPECTUS SUPPLEMENT
SUMMARY</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>This summary is not complete and does not
contain all of the information you should consider before investing in the securities offered by this prospectus supplement. You
should read this summary together with the entire prospectus supplement, including the section entitled &ldquo;Risk Factors&rdquo;
on page S-12, the accompanying prospectus, and the other documents that are incorporated by reference in this
prospectus supplement, including our financial statements and the notes to those financial statements, before making an investment
decision. </I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Bridge Bancorp, headquartered in Bridgehampton,
New York, is a New York corporation. The Company was organized in 1988 and is registered as a bank holding company with the Federal
Reserve Board under the Bank Holding Company Act of 1956, as amended (the &ldquo;Holding Company Act&rdquo;). Bridge Bancorp engages
in commercial banking and financial services through its wholly-owned subsidiary, The Bridgehampton National Bank. As of September
30, 2016, the Company had consolidated total assets of $3.83 billion, deposits of $2.92 billion, and total stockholders&rsquo;
equity of $362.6 million. The Company&rsquo;s common stock is traded on the Nasdaq Global Select Market under the symbol &ldquo;BDGE.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Bridgehampton National Bank is a national
banking association, established in 1910. The Bank operates forty branches in its primary market areas of Nassau and Suffolk Counties
on Long Island and the New York City boroughs, including thirty-eight in Suffolk and Nassau Counties, one in Bayside, Queens and
one in Manhattan. For over a century, the Bank has maintained its focus on building customer relationships in its market area.
The mission of the Company is to grow through the provision of exceptional service to its customers, its employees, and the community.
The Company strives to achieve excellence in financial performance and build long term shareholder value.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Bank engages in full service commercial
and consumer banking business, including accepting time, savings and demand deposits from the consumers, businesses and local
municipalities surrounding its branch offices. These deposits, together with funds generated from operations and borrowings, are
invested primarily in: (1) commercial real estate loans; (2) multi-family mortgage loans; (3) home equity loans; (4) construction
loans; (5) residential mortgage loans; (6) secured and unsecured commercial and consumer loans; (7) FHLB, FNMA, GNMA and FHLMC
and non-agency mortgage-backed securities, collateralized mortgage obligations and other asset backed securities; (8) New York
State and local municipal obligations; and (9) U.S government sponsored entity securities. The Bank also offers the Certificate
of Deposit Account Registry Service (&ldquo;CDARS&rdquo;) and Insured Cash Sweep (&ldquo;ICS&rdquo;) programs, providing millions
of dollars of Federal Deposit Insurance Corporation (&ldquo;FDIC&rdquo;) insurance on customer deposits. In addition, the Bank
offers merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online
banking services, remote deposit capture, safe deposit boxes, individual retirement accounts as well as investment services through
Bridge Financial Services, Inc., which offers a full range of investment products and services through a third party broker
dealer. Through its title insurance abstract subsidiary, the Bank acts as a broker for title insurance services. The Bank&rsquo;s
customer base is comprised principally of small businesses, municipal relationships and consumer relationships.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our principal executive offices are located
at 2200 Montauk Highway, Bridgehampton, New York 11932, and our telephone number is (631) 537-1000. Our internet address is <U>www.bridgenb.com</U>.
The information contained on our website should not be considered part of this prospectus supplement or the accompanying prospectus,
and the reference to our website does not constitute incorporation by reference of the information contained on the website. Additional
information about us and our subsidiaries is included in documents incorporated by reference in this prospectus. See &ldquo;Where
You Can Find More Information&rdquo; on page S-1 of this prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have grown over the past five years through
the bank acquisitions discussed below, as well as through organic growth, including de novo branch expansion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Community National Bank. </I></B>On June
19, 2015, the Company completed its acquisition of Community National Bank (&ldquo;CNB&rdquo;). CNB had total assets of approximately
$900.1 million, loans of $736.3 million, and deposits of $786.9 million and operated 11 branches in Nassau, Suffolk, Queens and
Manhattan Counties, New York. The Company issued, in the aggregate, approximately 5,647,000 shares of its common stock to CNB shareholders,
at an exchange ratio of 0.79 of a share of Bridge Bancorp common stock per CNB share.</P>

</DIV>

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


<!-- Field: Page; Sequence: 6; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<DIV STYLE="padding: 0.2in; border: Black 1pt solid; width: 99%">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>First National Bank of New York.</I></B>
On February 14, 2014, the Company acquired FNBNY Bancorp and its wholly-owned subsidiary, the First National Bank of New York (collectively,
&ldquo;FNBNY&rdquo;). FNBNY had total assets of approximately $211.9 million, loans of $89.7 million, and deposits of $169.9 million.
The acquisition expanded the Bank&rsquo;s presence into Nassau County with three branch offices. The Company issued, in the aggregate,
approximately 240,600 shares of its common stock to FNBNY shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Hamptons State Bank.</I></B> On May 27,
2011, the Company acquired Hamptons State Bank (&ldquo;HSB&rdquo;), a commercial bank with approximately $69.0 million in assets,
$39.1 million in loans, and $56.9 million in deposits. The acquisition increased the Bank&rsquo;s presence in an existing market
with a branch office located in the Village of Southampton. The Company issued, in the aggregate, approximately 274,000 shares
of its common stock to HSB shareholders.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our goal is to continue to grow and strengthen
our community bank franchise by expanding market penetration in both our mature markets and new markets, while maintaining sound
operations and risk management. We believe our growth and service strategies can offset compressed margins as our customer base
grows through an expanding footprint and we continue to develop existing customer relationships. Our net interest income has increased
steadily from $42.8 million for the year ended December 31, 2011, to $96.1 million for the year ended December 31, 2015. In addition,
net interest income increased to $90.7 million for the nine months ended September 30, 2016, compared to $68.2 million for the
nine months ended September 30, 2015. We also intend to continue to diversify our sources of revenue and increase our non-interest
income. Highlights of our strategy and recent results include the following:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Leveraging our branch network to build
customer relationships and grow loans and deposits.</I></B> Since 2011, we have added seven de novo branches in Ronkonkoma,
Hauppauge, Rocky Point, Shelter Island, Bay Shore, Port Jefferson and Smithtown, New York. These branches demonstrate the Bank&rsquo;s
commitment to and continued capacity for traditional growth through branch expansion. Management also seeks opportunities to expand
the Bank&rsquo;s reach into contiguous communities by hiring professionals with established customer relationships. Currently pending
acquisitions of local competitors may provide additional organic growth opportunities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Expanding the franchise through opportunistic
acquisitions.</I></B> As discussed above, we have completed three acquisitions in the past five years. Between December 31, 2011
and September 30, 2016, our total assets increased from $1.34 billion to $3.83 billion. Over this same period, total loans increased
from $612.1 million to $2.59 billion and total deposits increased from $1.19 billion to $2.92 billion. These acquisitions complement
our de novo branching in moving the Bank geographically westward. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Maintaining our high level of low-cost,
core deposits. </I></B>Strong core deposit growth remains a key component of our operating strategy. At September 30, 2016, core
deposits, consisting of individual, partnership and corporate account balances, represented 84.2% of total deposits. Between December
31, 2011 and September 30, 2016, we increased our core deposits from $956.1 million to $2.46 billion. As of September 30, 2016,
non-interest bearing deposits totaled $1.11 billion and represented 38.1% of total deposits.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Maintaining strong asset quality as we
continue to grow.</I></B> We believe we have avoided many problems faced by other financial institutions by maintaining discipline
in our growth and investment strategies, including loan underwriting. Between December 31, 2011 and September 30, 2016, our total
loans increased from $612.1 million to $2.59 billion. Despite this growth, at September 30, 2016, nonaccrual loans were 0.08% of
total loans, and our allowance for loan losses as a percentage of nonaccrual loans was 1,185%. We recognize the potential risks
of the current economic environment and will continue to monitor market events as we evaluate loans and investments and consider
growth initiatives.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Focusing on opportunities and processes
that enhance the customer experience.</I></B> We routinely add to our menu of products and services to meet the needs of consumers
and businesses. In addition to accepting time, savings and demand deposits from consumers, businesses and local municipalities,
we also offer the CDARS and ICS programs which provide up to $125.0 million of FDIC insurance, merchant credit and debit card
processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture,
safe deposit boxes and individual retirement accounts. In March 2014, we formed Bridge Financial Services, Inc., offering
a full range of investment products and services through a third party broker dealer.</P>

</DIV>

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


<!-- Field: Page; Sequence: 7; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<DIV STYLE="padding: 0.2in; border: Black 1pt solid; width: 99%">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Improving operational efficiencies and
prudent management of non-interest expense. </I></B>Controlling funding costs while expanding our deposit base and focusing on
profitable growth presents a unique set of challenges in the current economic environment. Our efficiency ratio for the nine months
ended September 30, 2016 was 56.3%. Our success in maintaining our strong operating efficiency while continuing to expand our branch
network and loan portfolio reflects our disciplined approach to community banking.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Increasing non-interest income through
Bridge Abstract LLC, Bridge Financial Services, Inc. and other lines of business. </I></B>We generate non-interest income
through Bridge Abstract LLC, our title abstract subsidiary, and Bridge Financial Services, Inc., which offers a full range
of investment products and services through a third party broker dealer. We also generate non-interest income through fee income
on deposit accounts, merchant credit and debit card processing programs, and net gains on sales of securities and loans.</P>

</DIV>

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


<!-- Field: Page; Sequence: 8; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<DIV STYLE="padding: 0.2in; border: Black 1pt solid; width: 99%">

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_006"></A>THE OFFERING</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Issuer</I></FONT></TD>
    <TD STYLE="width: 2%; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="width: 62%; text-indent: 0in"><FONT STYLE="font-size: 10pt">Bridge Bancorp, Inc., a New York corporation.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Common Stock Offered</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of common stock, $0.01 par value per share. <SUP>(1)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Common Stock Outstanding after the Offering</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of common stock, based on shares outstanding as of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2016.<SUP>(2)</SUP></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Net Proceeds to Us</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">We estimate that our net proceeds from this offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million (or $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million if the underwriters exercise in full their option to purchase additional shares), after deducting the underwriting discount and estimated offering expenses payable by us.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Use of Proceeds</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">We intend to use the net proceeds generated by this offering to support our organic growth, the pursuit of strategic acquisition opportunities and other general corporate purposes, including contributing capital to the Bank. See &ldquo;Use of Proceeds&rdquo; on page S-15 of this prospectus supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Market and Trading Symbol for the Common Stock</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Our common stock is listed and traded on NASDAQ Global Select Market under the symbol &ldquo;BDGE.&rdquo;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Dividends</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">We currently pay a quarterly cash dividend of $0.23 per share.&nbsp;&nbsp;<FONT STYLE="background-color: white">Although we expect to continue paying dividends quarterly, any future determination to pay dividends on our common stock will be made by our board of directors and will depend upon our results of operations, financial condition, capital requirements, regulatory and contractual restrictions, our business strategy and other factors that our board of directors deems relevant. For additional information, see &ldquo;Market For Common Stock and Our Dividend Policy.&rdquo;</FONT></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><I>Risk Factors</I></FONT></TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">An investment in our common stock involves risks. You should carefully
    consider the information contained in, or incorporated by reference into, this prospectus supplement and the accompanying
    prospectus.&nbsp;&nbsp;In particular, we urge you to consider carefully the factors set forth under &ldquo;Risk Factors&rdquo;
    beginning on page S-12 of this prospectus supplement and in the documents incorporated by reference in this prospectus
    supplement before investing in our common stock.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">&nbsp;</P>

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>Excludes the underwriters&rsquo; option to purchase up to&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;additional
shares of our common stock.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>Excludes 5,467 shares subject to outstanding compensatory
                                         stock options having a weighted average exercise price of $25.25 per share; 116,138
                                         <FONT STYLE="background-color: white">s</FONT>hares issuable pursuant to performance
                                         and service-based <FONT STYLE="background-color: white">restricted stock units issued
                                         and outstanding; 1,043,731 shares reserved for issuance pursuant to our dividend
                                         reinvestment and stock purchase plan; and&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
                                         subject to the underwriters&rsquo; purchase option granted in this offering.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

</DIV>


<!-- Field: Page; Sequence: 9; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_007"></A>SUMMARY OF SELECTED FINANCIAL DATA</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following tables set forth consolidated
financial data for the Company as of and for each of the five years ended December 31, 2015 (which, other than our financial ratios,
has been derived from our audited consolidated financial statements), and as of and for the nine months ended September 30, 2016
and 2015 (unaudited). You should read these tables together with the historical consolidated financial information contained in
our consolidated financial statements and related notes, as well as &ldquo;Management&rsquo;s Discussion and Analysis of Financial
Condition and Results of Operations,&rdquo; included in our Annual Report on Form 10-K for the year ended December 31, 2015, and
our Quarterly Report on Form 10-Q for the quarter ended September 30, 2016, which have been filed with the SEC and are incorporated
herein by reference. Information for the nine months ended September 30, 2016 and 2015 is derived from unaudited interim consolidated
financial statements and has been prepared on the same basis as our audited consolidated financial statements and includes, in
the opinion of management, all adjustments, consisting of only normal recurring adjustments, necessary to present fairly the data
for such period. The results of operations for the nine months ended September 30, 2016 do not necessarily indicate the results
which may be expected for any future interim period or for the full year.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">At&nbsp;or&nbsp;For&nbsp;the&nbsp;Nine&nbsp;Months&nbsp;<BR> Ended&nbsp;September&nbsp;30,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2016</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2015</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(dollars&nbsp;in&nbsp;thousands,&nbsp;except&nbsp;share&nbsp;and&nbsp;per&nbsp;share&nbsp;data)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(unaudited)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Balance Sheet Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 74%; text-align: left; text-indent: 0in">Total assets</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">3,834,001</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">3,507,313</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Securities available for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">667,001</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">637,470</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Securities held to maturity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">227,266</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">220,233</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Securities, restricted</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,515</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,969</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Loans, net</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,561,959</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,281,130</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Goodwill and other intangible assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">112,533</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">104,483</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">Deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,923,691</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,905,501</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">Borrowings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">420,603</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">139,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Subordinated debentures</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">78,467</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">78,338</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Junior subordinated debentures</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,336</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,876</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Stockholders&rsquo; equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">362,602</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">340,442</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">Common shares outstanding</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,471,402</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,376,876</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Income Statement Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">103,101</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">74,631</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: 0in">Interest expense</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">12,395</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,424</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Net interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">90,706</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68,207</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: 0in">Provision for loan losses</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">4,150</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">3,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Net interest income after provision for loan losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">86,556</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">65,207</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Non-interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12,298</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9,257</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; text-indent: 0in"><FONT STYLE="font-size: 10pt">Non-interest expense<SUP>(1)</SUP></FONT></TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">58,552</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">54,717</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Income before income taxes</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">40,302</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,747</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: 0in">Income taxes</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">13,971</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,631</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 2.5pt; text-indent: 0in">Net income</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">26,331</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">13,116</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Stock and Related Per Share Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Earnings per share &mdash; basic and diluted<SUP>(1)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.50</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.94</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Cash dividends declared per common share</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.69</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.69</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">Book value per share</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19.59</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Tangible book value per share<SUP>(2)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.31</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.58</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The 2016 amount includes the reversal of $175,000 of acquisition costs, net of income taxes, associated with the CNB acquisition.
The 2015 amount includes $6.0 million of acquisition costs, net of income taxes, associated with the CNB acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">Tangible book value per share excludes goodwill and other intangible assets.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 10; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">At&nbsp;or&nbsp;For&nbsp;the&nbsp;Nine&nbsp;Months&nbsp;<BR> Ended&nbsp;September&nbsp;30,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2016</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2015</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(dollars&nbsp;in&nbsp;thousands,&nbsp;except&nbsp;share&nbsp;and&nbsp;per&nbsp;share&nbsp;data)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(unaudited)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Performance and Other Ratios</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 74%; text-indent: 0in"><FONT STYLE="font-size: 10pt">Return on average assets<SUP>(1)(2)</SUP></FONT></TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.92</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.64</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Return on average equity<SUP>(1)(2)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.94</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.26</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Net interest rate spread<SUP>(3)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.27</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.48</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Net interest margin<SUP>(1)(4)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.51</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.65</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">As a percentage of average assets:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 9pt"><FONT STYLE="font-size: 10pt">Non-interest income<SUP>(1)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.43</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.45</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 9pt"><FONT STYLE="font-size: 10pt">Non-interest expense<SUP>(1)(2)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.04</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.67</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Efficiency ratio<SUP>(2)(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56.31</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">69.71</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Dividend payout ratio</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">45.93</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">71.69</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Net loan charge-offs</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">586</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">450</TD><TD STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Net charge-offs to average loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.03</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.03</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Capital Ratios (Holding Company)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Total capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.2</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.3</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Tier 1 capital to average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.5</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.8</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Stockholders&rsquo; equity to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.5</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.7</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Tangible stockholders&rsquo; equity to tangible
    assets<SUP>(6)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.9</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Asset Quality and Ratios</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Total non-accruing loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,051</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,398</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Other non-performing assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&#8213;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&#8213;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Allowance for loan losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,308</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,187</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Total non-performing assets to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.04</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Total non-accruing loans to total loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.08</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.06</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Allowance for loan losses to non-accruing loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,185.18</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,443.99</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Allowance for loan losses to total loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.94</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.88</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0in">Other Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0in">Number of banking centers</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">40</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">40</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in">Full time equivalent employees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">486</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">436</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Calculated on an annualized basis.</TD></TR>                                                                                                            <TR STYLE="vertical-align: top">
<TD></TD><TD STYLE="width: 0.25in">(2)</TD><TD>The 2016 amount includes the reversal of $175,000 of acquisition costs, net of income taxes, associated with the CNB acquisition.
The 2015 amount includes $6.0 million of acquisition costs, net of income taxes, associated with the CNB acquisition.</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>The net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of
average interest-bearing liabilities for the period on a tax equivalent basis.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>The net interest margin represents net interest income (fully taxable equivalent) as a percent of average interest-earning
assets for the period.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>The efficiency ratio represents noninterest expense divided by the sum of net interest income (fully taxable equivalent) and
noninterest income.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(6)</TD><TD>Tangible stockholders&rsquo; equity and tangible assets exclude goodwill and other intangible assets.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">At&nbsp;or&nbsp;For&nbsp;the&nbsp;Year Ended&nbsp;December&nbsp;31,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2015</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2014</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2013</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2012</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2011</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(dollars&nbsp;in&nbsp;thousands,&nbsp;except&nbsp;share&nbsp;and&nbsp;per&nbsp;share&nbsp;data)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Balance Sheet Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 35%; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Total assets</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">3,781,959</TD><TD STYLE="width: 1%; text-align: left"></TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">2,288,524</TD><TD STYLE="width: 1%; text-align: left"></TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1,896,612</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1,624,574</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1,337,345</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Securities available for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">800,203</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">587,184</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">575,179</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">529,070</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">441,439</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Securities held to maturity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">208,351</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">214,927</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">201,328</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">210,735</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">169,153</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Securities, restricted</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,788</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,037</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,034</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,978</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,660</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Loans held for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,300</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Loans, net</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,390,030</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,320,690</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">997,262</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">784,007</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">601,306</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Goodwill and other intangible assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">106,821</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,292</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,224</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,283</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,350</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">Deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,843,625</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,833,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,539,079</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,409,322</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,188,185</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">Borrowings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">468,398</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">249,590</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">173,370</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">71,890</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16,897</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Subordinated debentures</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">78,363</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Junior subordinated debentures</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,878</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,873</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,868</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,863</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,857</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Stockholders&rsquo; equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">341,128</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">175,118</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">159,460</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">118,672</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">106,987</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">Common shares outstanding</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,388,918</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,650,405</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,307,607</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,907,890</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,345,399</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Income Statement Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Interest income</TD><TD></TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">106,240</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">74,910</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">58,430</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">54,514</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">50,426</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -13.5pt; padding-left: 13.5pt">Interest expense</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">10,129</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">7,460</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">7,272</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">7,555</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">7,616</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Net interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">96,111</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">67,450</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51,158</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">46,959</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">42,810</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -13.5pt; padding-left: 13.5pt">Provision for loan losses</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">4,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,200</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,350</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">5,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">3,900</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -13.5pt; padding-left: 13.5pt">Net interest income after provision for loans losses</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">92,111</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">65,250</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">48,808</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">41,959</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">38,910</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Non-interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12,668</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,166</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,891</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,673</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,949</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1pt; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-interest expense<SUP>(1)(2)(3)(4)</SUP></FONT></TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">72,890</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">52,414</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">37,937</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">33,780</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">30,837</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Income before income taxes</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,889</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">21,002</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,762</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18,852</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,022</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -13.5pt; padding-left: 13.5pt">Income taxes</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">10,778</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">7,239</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,669</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,080</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">4,663</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 2.5pt; text-indent: -13.5pt; padding-left: 13.5pt">Net income</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">21,111</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"></TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">13,763</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"></TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">13,093</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">12,772</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">10,359</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Stock and Related Per Share Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Earnings per share &mdash; basic and diluted<SUP>(1)(2)(3)(4)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.43</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.18</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.36</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.48</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.54</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Cash dividends declared per common share</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.92</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.92</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.69</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.15</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.69</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">Book value per share</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19.62</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15.03</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.10</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.32</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.82</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible book value per share<SUP>(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.47</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.15</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.90</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.07</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.54</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



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

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

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">The 2015 amount includes $6.3 million of acquisition costs, net of income taxes, associated with
the CNB acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: left">The 2014 amount includes $3.8 million of acquisition costs, net of income taxes, associated with
the FNBNY and CNB acquisitions and branch restructuring costs, net of income taxes.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD STYLE="text-align: justify">The 2013 amount includes $0.4 million of acquisition costs, net of income taxes, associated with
the FNBNY acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD STYLE="text-align: justify">The 2011 amount includes $0.5 million of acquisition costs, net of income taxes, associated with
the HSB acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>Tangible book value per share excludes goodwill and other intangible assets.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 12; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">At&nbsp;or&nbsp;For&nbsp;the&nbsp;Year&nbsp;Ended&nbsp;December&nbsp;31,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2015</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2014</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2013</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2012</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">2011</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(dollars&nbsp;in&nbsp;thousands,&nbsp;except&nbsp;share&nbsp;and&nbsp;per&nbsp;share&nbsp;data)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Performance and Other Ratios</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 35%; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Return on average assets <SUP>(1)(2)(3)(4)</SUP></FONT></TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.71</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.64</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.77</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.88</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">0.88</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Return on average equity <SUP>(1)(2)(3)(4)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.91</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.76</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.89</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.78</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.37</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Net interest rate spread<SUP>(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.38</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.24</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.02</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.29</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.71</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Net interest margin<SUP>(6)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.57</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.41</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.24</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.52</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.97</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">As a percentage of average assets:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 20pt">Non-interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.43</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.38</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.52</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.74</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.59</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 20pt">Non-interest expense</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.46</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.44</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.24</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.34</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.61</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Efficiency ratio<SUP>(1)(2)(3)(4) (7)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">66.19</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68.38</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">61.96</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">57.17</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">60.11</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Dividend payout ratio</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">63.55</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">77.43</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51.58</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">77.50</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">44.35</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Net loan charge-offs</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left"></TD><TD STYLE="text-align: right">893</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left"></TD><TD STYLE="text-align: right">564</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left"></TD><TD STYLE="text-align: right">788</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left"></TD><TD STYLE="text-align: right">1,398</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left"></TD><TD STYLE="text-align: right">1,560</TD><TD STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Net charge-offs to average loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.09</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.21</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.28</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Capital Ratios (Holding Company)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Total capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.6</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14.2</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16.2</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.9</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.9</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15.1</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.9</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15.0</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Tier 1 capital to average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.6</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.3</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.3</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Stockholders&rsquo; equity to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.3</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.0</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Tangible stockholders&rsquo; equity to tangible assets<SUP>(8)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.2</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.3</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.2</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.8</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Asset Quality and Ratios</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Total non-accruing loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,350</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,347</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">3,821</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">3,289</TD><TD STYLE="text-align: left"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,161</TD><TD STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Other non-performing assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">250</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,242</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">250</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Allowance for loan losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,744</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,637</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16,001</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,439</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,837</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Total non-performing assets to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.04</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.32</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.22</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.31</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Total non-accruing loans to total loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.06</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.09</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.38</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.41</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.68</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Allowance for loan losses to non-accruing loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,536.59</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,466.08</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">418.76</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">439.01</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">260.44</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt"><FONT STYLE="font-size: 10pt">Allowance for loan losses to total loans<SUP>(9)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.86</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.32</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.58</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.81</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.77</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -13.5pt; padding-left: 13.5pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Other Data</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Number of banking centers</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">40</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">29</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -13.5pt; padding-left: 13.5pt">Full time equivalent employees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">429</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">342</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">263</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">245</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">216</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The 2015 amount includes $6.3 million of acquisition costs, net of income taxes, associated with the CNB acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>The 2014 amount includes $3.8 million of acquisition costs, net of income taxes, associated with the FNBNY and CNB acquisitions
and branch restructuring costs, net of income taxes.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>The 2013 amount includes $0.4 million of acquisition costs, net of income taxes, associated with the FNBNY acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>The 2011 amount includes $0.5 million of acquisition costs, net of income taxes, associated with the HSB acquisition.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>The net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of
average interest-bearing liabilities for the period, on a tax equivalent basis.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(6)</TD><TD>The net interest margin represents net interest income (fully taxable equivalent) as a percent of average interest-earning
assets for the period.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(7)</TD><TD>The efficiency ratio represents noninterest expense divided by the sum of net interest income (fully taxable equivalent) and
noninterest income.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(8)</TD><TD>Tangible stockholders&rsquo; equity and tangible assets exclude goodwill and other intangible assets.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(9)</TD><TD>Total loans at December 31, 2015 include acquired loans of $697.4 million carried at their estimated fair values.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 13; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_008"></A>RISK FACTORS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">An investment in our common stock involves risks.
Before making an investment decision, you should carefully read and consider the risk factors described below, which describe the
risks related to this offering and ownership of our common stock, as well as the risk factors described in our Annual Report on
Form 10-K for the fiscal year ended December 31, 2015 and our Quarterly Report on Form 10-Q for the quarter ended March 31, 2016,
as may be supplemented by other documents incorporated by reference into this prospectus supplement or the accompanying prospectus.
Please refer to &ldquo;Where You Can Find More Information&rdquo; in this prospectus supplement and the accompanying prospectus
for discussions of these other filings. Any of these risks, if they occur, could materially adversely affect our business, financial
condition and results of operations. Additional risks and uncertainties not currently known to us or that we currently deem to
be immaterial may also materially and adversely affect us. In any such case, you could lose all or a portion of your original investment.
This prospectus supplement and the accompanying prospectus are qualified in its entirety by those risk factors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><FONT STYLE="background-color: white"><B>Risks
Relating to this Offering and Ownership of Our Common Stock</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><B><I>Historically, the price of our common stock
has fluctuated significantly, which may make it difficult for you to resell shares of common stock at prices you find attractive.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Historically, our stock price has fluctuated
significantly. For example, for the nine months ended September 30, 2016, the high sale price per share of our common stock on
NASDAQ was $31.47 and the low sale price per share was $26.23. On November 18, 2016, the last reported sale price
of our common stock on NASDAQ was $32.00 per share. We expect that the market price of our common stock will continue to
fluctuate and there can be no assurances about the market prices for our common stock, which may make it difficult for you to
resell shares of common stock at prices you find attractive.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our stock price may fluctuate as a result of
a variety of factors, many of which are beyond our control. In addition to the other risk factors contained or incorporated by
reference herein, these factors include:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Actual or anticipated quarterly fluctuations in our operating results and financial condition;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Changes in expectations as to future financial performance or buy/sell recommendations of securities analysts;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Speculation in the press or investment community regarding stock prices generally or relating to our reputation or the financial
services industry;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Strategic actions by us or our competitors, such as acquisitions, restructurings, dispositions or financings;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Fluctuations in the stock price and operating results of our competitors;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Sales of our equity or equity-related securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Proposed or adopted regulatory changes or developments;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Anticipated or pending investigations, proceedings or litigation that involve or affect us;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Changes in global financial markets and global economies and general market conditions, such as interest or foreign exchange
rates, stock, commodity or real estate valuations or volatility and other geopolitical, regulatory or judicial events; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>General market conditions and, in particular, developments related to market conditions for the financial services industry.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><B><I>We may issue additional equity or equity
related securities, or engage in other transactions which dilute our book value or affect the priority of the common stock, which
may adversely affect the market price of our common stock.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our board of directors may determine from time
to time that we need to raise additional capital by issuing additional shares of our common stock, preferred stock or other securities.
We are not restricted from issuing additional shares of common stock, including securities that are convertible into or exchangeable
for, or that represent the right to receive, common stock. Because our decision to issue securities in any future offering will
depend on market conditions and other factors beyond our control, we cannot
predict or estimate the amount, timing or nature of any future offerings, or the prices at which such offerings may be affected.
Such offerings could be dilutive to common stockholders. New investors also may have rights, preferences and privileges, including
with respect to the receipt of dividends, that are senior to, and that adversely affect, our then current common stockholders.
If we raise additional capital by selling debt or preferred equity securities, upon liquidation, holders of our debt securities
and shares of preferred stock, and lenders with respect to other borrowings, will receive distributions of our available assets
prior to the holders of our common stock. Additional equity offerings may dilute the holdings of our existing stockholders or reduce
the market price of our common stock, or both. Holders of our common stock are not entitled to preemptive rights or other protections
against dilution.</P>

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


<!-- Field: Page; Sequence: 14; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><B><I>We may reduce or eliminate the cash dividend
on our common stock.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Holders of our common stock are only entitled
to receive such cash dividends as our board of directors may declare out of funds legally available for such payments. Although
we have historically declared cash dividends on our common stock, we are not required to do so and may reduce or eliminate our
common stock cash dividend in the future. This could adversely affect the market price of our common stock. As a bank holding company,
our ability to declare and pay dividends is dependent on certain federal regulatory considerations including the guidelines of
the Federal Reserve Board regarding capital adequacy and dividends. See &ldquo;Market for Common Stock and Our Dividend Policy&rdquo;
for more information.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><B><I>If we fail to pay interest on or otherwise
default on our subordinated debt, we will be prohibited from paying dividends or distributions on our common stock.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As of September 30, 2016, we had $78.5 million
of subordinated debentures outstanding and $15.3 million of junior subordinated debentures outstanding. The agreements under which
the subordinated debenture and subordinated notes were issued prohibit us from paying any dividends on our common stock or making
any other distributions to our shareholders at any time when there shall have occurred and be continuing an event of default under
the applicable agreement. Events of default generally consist of, among other things, our failure to pay any principal or interest
on the subordinated debenture or subordinated notes, as applicable, when due, our failure to comply with certain agreements, terms
and covenants under the agreement (without curing such default following notice), and certain events of bankruptcy, insolvency
or liquidation relating to us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If an event of default were to occur and we
did not cure it, we would be prohibited from paying any dividends or making any other distributions to our shareholders or from
redeeming or repurchasing any of our common stock, which would likely have a material adverse effect on the market value of our
common stock. Moreover, without notice to or consent from the holders of our common stock, we may enter into additional financing
arrangements that may limit our ability to purchase or to pay dividends or distributions on our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><B><I>An investment in our common stock is not
an insured deposit and is not guaranteed by the FDIC, so you could lose some or all of your investment. </I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock is not a bank deposit and,
therefore, is not insured against loss by the Federal Deposit Insurance Corporation or any other public or private entity. Investment
in our common stock is inherently risky for the reasons described in this &ldquo;Risk Factors&rdquo; section, elsewhere in this
prospectus supplement and the accompanying prospectus, and the additional documents and information incorporated by reference,
and is subject to the same market forces that affect the common stock in any company. As a result, if you acquire our common stock,
you may lose some or all of your investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><B><I>Our certificate of incorporation and bylaws
as well as certain banking laws may have an anti-takeover effect.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Provisions of our certificate of incorporation
and bylaws and federal banking laws, including regulatory approval requirements, could make it more difficult for a third party
to acquire us, even if doing so would be perceived to be beneficial to our shareholders. The combination of these provisions may
inhibit a non-negotiated merger or other business combination or make such a transaction more expensive, which, in turn, could
adversely affect the market price of our common stock. See &ldquo;Description of Securities&mdash;Common Stock&mdash;Provisions
of Our Certificate of Incorporation, Our Bylaws and Federal Law Affecting Our Shareholders&rdquo; in the accompanying prospectus.</P>

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


<!-- Field: Page; Sequence: 15; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in; background-color: white"><B>Risks Relating to
Our Business</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt; background-color: white">For risks associated
with our business and industry, see the section entitled &ldquo;Risk Factors&rdquo; in our Annual Report on Form 10-K for the year
ended December&nbsp;31, 2015, and our Quarterly Report on Form 10-Q for the period ended March&nbsp;31, 2016, which are incorporated
in this prospectus supplement by reference, as the same may be updated from time to time prior to the completion of this offering
by our future filings under the Exchange Act.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_009"></A>MARKET FOR COMMON STOCK AND OUR DIVIDEND
POLICY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock is listed on the NASDAQ under
the symbol &ldquo;BDGE.&rdquo; As of November 21, 2016, we had 17,481,800 shares of common stock outstanding, held of record by
approximately 1,040 shareholders of record. The actual number of common shareholders is greater than the number of record
holders, and includes shareholders who are beneficial owners, but whose shares are held in street name by brokers and other nominees.
This number of holders of record also does not include shareholders whose shares may be held in trust by other entities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following table sets forth, for the periods
indicated, the high and low sales prices per share for the common stock as reported on the NASDAQ and the cash dividends paid per
common share, for the periods shown.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 90%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1pt solid; font-size: 8pt">Quarter Ended</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">High</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Low</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Dividend <BR> Paid</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">December 31, 2016 (through November 18, 2016)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">32.20</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">26.90</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 61%; text-indent: 0in">September 30, 2016</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">30.62</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">27.50</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">0.23</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">June 30, 2016</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">31.47</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">27.09</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">March 31, 2016</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">30.71</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">26.23</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">December 31, 2015</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">32.40</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">25.74</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">September 30, 2015</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">28.35</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">25.57</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">June 30, 2015</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">27.93</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">24.21</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">March 31, 2015</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">26.93</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">24.50</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">December 31, 2014</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">27.43</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">23.21</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in">September 30, 2014</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">25.45</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">22.83</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0in">June 30, 2014</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">27.50</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">23.24</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; text-indent: 0in">March 31, 2014</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">28.06</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">23.65</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The amount of future dividends, if any, will
be determined by our board of directors and will depend on our earnings, financial condition and other factors considered by the
board of directors to be relevant. In addition, the payment of cash dividends on the common stock will depend upon the ability
of the Bank to declare and pay dividends to us. The Bank&rsquo;s ability to pay dividends will depend primarily upon its earnings,
financial condition, and need for funds, as well as applicable governmental policies. Even if we have earnings in an amount sufficient
to pay dividends, the Bank&rsquo;s board of directors may determine to retain earnings for the purpose of funding growth. The Bank
generally pays a dividend to us to provide funds for: debt service on the subordinated debentures, a portion of the proceeds of
which were contributed to the Bank as capital; dividends that we pay to our shareholders; stock repurchases; and other expenses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">There are various legal limitations with respect
to the Bank&rsquo;s ability to pay dividends to us and our ability to pay dividends to shareholders. Under the New York Business
Corporation Law, we may pay dividends on our outstanding shares except if we are insolvent or would be made insolvent by the dividend.
Under federal banking law, the prior approval of the Federal Reserve Board and the Office Comptroller of the Currency (the &ldquo;OCC&rdquo;)
may be required in certain circumstances prior to the payment of dividends by us or the Bank. A national bank may generally declare
a dividend, without approval from the OCC, in an amount equal to its year-to-date net income plus the prior two years&rsquo; net
income that is still available for dividend. The OCC has the authority to prohibit a national bank from paying dividends if such
payment is deemed to be an unsafe or unsound practice. In addition, as a depository institution the deposits of which are insured
by the FDIC, the Bank may not pay dividends or distribute any of its capital assets while it remains in default on any assessment
due to the FDIC. The Bank currently is not (and never has been) in default under any of its obligations to the FDIC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Federal Reserve Board has issued a policy
statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve Board&rsquo;s policy provides
that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding
company appears consistent with the organization&rsquo;s capital needs, asset quality and overall financial condition. The Federal
Reserve Board has the authority to prohibit us from paying dividends if such payment is deemed to be an unsafe or unsound practice.</P>

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


<!-- Field: Page; Sequence: 16; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_010"></A>USE OF PROCEEDS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="background-color: white">We expect
to receive net proceeds from this offering of approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million (or $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million
if underwriters exercise their option to purchase additional shares in full) after deducting the underwriting discount and estimated
expenses payable by us. </FONT>We intend to use the net proceeds generated by this offering to support our organic growth, the
pursuit of strategic acquisition opportunities and other general corporate purposes, including contributing capital to the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 16pt">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_011"></A>CAPITALIZATION</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="background-color: white">The following
table shows our capitalization as of September 30, 2016 on an actual basis and on an as adjusted basis to give effect to the receipt
of the net proceeds from this offering.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 80%; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt; padding-left: 0; text-indent: 0">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">As of September 30, 2016</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt; padding-left: 0; text-indent: 0">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Actual</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">As Adjusted</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt; padding-left: 0; text-indent: 0">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(dollars in thousands)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt; padding-left: 0; text-indent: 0">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; font-size: 8pt">(unaudited)</TD><TD NOWRAP STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0; padding-left: 0">Stockholders&rsquo; Equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0; padding-left: 0">Preferred stock, $0.01 par value per share (2,000,000 shares authorized; none issued)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; text-indent: 0; padding-left: 0"><FONT STYLE="font-size: 10pt">Common stock, $0.01 par value per share (40,000,000 shares authorized; 17,471,402 shares outstanding at September 30, 2016 and&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares outstanding as adjusted)<SUP>(1)</SUP></FONT></TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">175</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0; padding-left: 0">Surplus</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">281,137</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0">Retained earnings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">86,479</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0">Treasury stock at cost (10,617 shares at September 30, 2016)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(297</TD><TD STYLE="padding-bottom: 1pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0">Accumulated other comprehensive loss,
    net of income tax</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">(4,892</TD><TD STYLE="padding-bottom: 1pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 2.5pt; text-indent: 0; padding-left: 0">Total Stockholders&rsquo; Equity</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">362,602</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: 0; padding-left: 0">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0; padding-left: 0">Capital Ratios</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0">Common equity tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0">Total capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.3</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0">Tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0; padding-left: 0">Tier 1 capital to average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.5</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0">Stockholders&rsquo; equity to total assets</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: right">9.5</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-left: 42pt; margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->
<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: 9%">&nbsp;</TD>
    <TD STYLE="width: 91%; text-indent: 0in"><FONT STYLE="font-size: 10pt">(1) The number of common shares to be outstanding after
    the offering is based on actual shares outstanding as of September 30, 2016, and assumes that &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million
    shares of common stock are sold in the offering and that the underwriter&rsquo;s option to purchase additional shares is not
    exercised. In addition, the number of common shares to be outstanding after this offering excludes 5,467 shares subject
    to outstanding compensatory stock options having a weighted average exercise price of $25.25&nbsp;per share; 116,138
    shares issuable pursuant to performance and service-based restricted stock units issued and outstanding; and 1,043,731
    shares reserved for issuance pursuant to our dividend reinvestment and stock purchase plan.</FONT></TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_012"></A>DESCRIPTION OF OUR COMMON STOCK</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="background-color: white">Please
refer to &ldquo;Description of Securities</FONT>&mdash;Common Stock<FONT STYLE="background-color: white">&rdquo; in the accompanying
prospectus for a summary description of our common stock being offered hereby, including the </FONT>following: dividends, voting
rights, liquidation, no preemptive or redemption rights, and provisions of our certificate of incorporation,
our bylaws and federal and state laws affecting our shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are authorized to issue 40,000,000
shares of common stock, par value $0.01 per share. <FONT STYLE="background-color: white">As of November 21</FONT>,
2016<FONT STYLE="background-color: white">, we had 17,481,800 shares of common stock outstanding. As of November
21</FONT>, 2016<FONT STYLE="background-color: white">, there were also 5,467</FONT> shares of common stock subject
to outstanding compensatory stock options having a weighted average exercise price of $25.25 per share; 116,138
shares of common stock issuable pursuant to performance and service-based restricted stock units issued and
outstanding; and 1,043,731 shares of common stock reserved for issuance pursuant to our dividend reinvestment and
stock purchase plan.</P>

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


<!-- Field: Page; Sequence: 17; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_013"></A>UNDERWRITING</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are offering the shares of our common stock
described in this prospectus supplement in an underwritten offering through Sandler O&rsquo;Neill &amp; Partners, L.P. and Keefe,
Bruyette &amp; Woods, Inc. We have entered into an underwriting agreement with the underwriters with respect to the common stock
being offered. Subject to the terms and conditions contained in the underwriting agreement, the underwriters have agreed to purchase,
at the public offering price less the underwriting discount set forth on the cover page of this prospectus supplement, all of the
shares of common stock being offered by this prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The underwriting agreement provides that the
underwriters&rsquo; obligations to purchase shares of our common stock depend on the satisfaction of the conditions contained
in the underwriting agreement, including:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>the representations and warranties made by us are true and our agreements have been performed;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>there is no material adverse change in or affecting our business, financial condition, stockholders&rsquo; equity, liquidity,
results of operations or prospects; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>we deliver customary closing documents.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Subject to these conditions, the underwriters
are committed to purchase and pay for all shares of our common stock offered by this prospectus supplement, if any such shares
are taken. However, the underwriters are not obligated to take or pay for the shares of our common stock covered by its purchase
option described below, unless and until such option is exercised.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Purchase Option.</I></B> We have granted
the underwriters an option, exercisable no later than 30 days after the date of the underwriting agreement, to purchase up to an
aggregate of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;additional shares of common stock at the public offering price less the underwriting discount set forth on the cover
page of this prospectus supplement. We will be obligated to sell these shares of common stock to the underwriters to the extent
such option is exercised.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Commissions and Expenses.</I></B> The
underwriters propose to offer our common stock directly to the public at the public offering price set forth on the cover page
of this prospectus supplement and to dealers at the public offering price less a concession not in excess of $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share. After
the public offering of our common stock, the underwriters may change the offering price, concessions and other selling terms.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following table shows the per share and
total underwriting discount that we will pay to the underwriters and the proceeds we will receive before expenses. These amounts
are shown assuming both no exercise and full exercise of the underwriter&rsquo;s option to purchase additional shares of our common
stock.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="margin-left: 0.75in; border-collapse: collapse; width: 85%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD NOWRAP STYLE="font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Per&nbsp;Share</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Total&nbsp;Without<BR> Exercise<BR> of&nbsp;Purchase<BR> Option</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; font-size: 8pt">Total&nbsp;With<BR> Exercise&nbsp;of<BR> Purchase<BR> Option</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold; font-size: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 61%">Public offering price</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right"></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right"></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right"></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Underwriting discount</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Proceeds to us before expenses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We estimate that the total expenses of this
offering, exclusive of the underwriting discount, will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
and are payable by us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Indemnity. </I></B>We have agreed to indemnify
the underwriters, and persons who control the underwriters, against certain liabilities, including liabilities under the Securities
Act of 1933, and to contribute to payments that the underwriters may be required to make in respect of these liabilities.</P>

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


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


<!-- Field: Page; Sequence: 18; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Lock-Up Agreement.</I></B> We, and each
of our directors and executive officers, have agreed, for a period of 90 days after the date of this prospectus supplement, not
to, without the prior written consent of the underwriters, directly or
indirectly offer, pledge, sell, grant any option,
right or warrant to purchase or otherwise transfer or dispose of any shares of our common stock or any securities convertible into
or exercisable or exchangeable for our common stock, file, or cause to be filed, any registration statement under the Securities
Act of 1933 with respect to any of the foregoing or enter into any swap or any other agreement or any transaction that transfers,
in whole or in part, directly or indirectly, the economic consequence of ownership of our common stock, whether such transaction
would be settled by delivery of common stock or other securities, in cash or otherwise.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Stabilization.</I></B> In connection with
this offering, the underwriters may engage in stabilizing transactions, over-allotment transactions and syndicate covering transactions.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>Stabilizing transactions permit bids to purchase shares of common stock so long as the stabilizing bids do not exceed a specified
maximum, and are engaged in for the purpose of preventing or retarding a decline in the market price of the common stock while
the offering is in progress.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>Over-allotment transactions involve sales by the underwriters of shares of common stock in excess of the number of shares the
underwriters are obligated to purchase. This creates a syndicate short position which may be either a covered short position or
a naked short position. In a covered short position, the number of shares of common stock over-allotted by the underwriters is
not greater than the number of shares that it may purchase in its purchase option. In a naked short position, the number of shares
involved is greater than the number of shares in its purchase option. The underwriters may close out any short position by exercising
its purchase option and/or by purchasing shares in the open market.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>Syndicate covering transactions involve purchases of common stock in the open market after this offering has been completed
in order to cover syndicate short positions. In determining the source of shares to close out the short position, the underwriters
will consider, among other things, the price of shares available for purchase in the open market as compared with the price at
which it may purchase shares through exercise of its purchase option. If the underwriters sell more shares than could be covered
by exercise of its purchase option and, therefore, has a naked short position, the position can be closed out only by buying shares
in the open market. A naked short position is more likely to be created if the underwriters are concerned that after pricing there
could be downward pressure on the price of the shares in the open market that could adversely affect investors who purchase in
this offering.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">These stabilizing transactions and syndicate
covering transactions may have the effect of raising or maintaining the market price of our common stock or preventing or retarding
a decline in the market price of our common stock. As a result, the price of our common stock in the open market may be higher
than it would otherwise be in the absence of these transactions. Neither we nor the underwriters make any representation or prediction
as to the effect that the transactions described above may have on the market price of our common stock. These transactions may
be effected on the NASDAQ, in the over-the-counter market or otherwise and, if commenced, may be discontinued at any time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Passive Market Making. </I></B>In connection
with this offering, the underwriters and selected dealers, if any, who are qualified market makers on the NASDAQ, may engage in
passive market making transactions in our common stock on the NASDAQ in accordance with Rule 103 of Regulation M under the Exchange
Act. Rule 103 permits passive market making activity by the participants in this offering. Passive market making may occur before
the pricing of this offering or before the commencement of offers or sales of our common stock. Each passive market maker must
comply with applicable volume and price limitations and must be identified as a passive market maker. In general, a passive market
maker must display its bid at a price not in excess of the highest independent bid for the security. If all independent bids are
lowered below the bid of the passive market maker, however, the bid must then be lowered when purchase limits are exceeded. Net
purchases by a passive market maker on each day are limited to a specified percentage of the passive market maker&rsquo;s average
daily trading volume in the common stock during a specified period and must be discontinued when that limit is reached. The underwriters
and other dealers are not required to engage in passive market making and may end passive market making activities at any time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Our Relationship with the Underwriter.</I></B>
The underwriters and some of their affiliates have performed and expect to continue to perform financial advisory and investment
banking services for us in the ordinary course of their respective businesses, and may have received, and may continue to receive,
compensation for such services.</P>

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


<!-- Field: Page; Sequence: 19; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock is being offered by the underwriters,
subject to prior sale, when, as and if issued to and accepted by them, subject to approval of certain legal matters by counsel
for the underwriters and other conditions.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_014"></A><FONT STYLE="text-transform: uppercase">Transfer
Agent</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 16pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Transfer Agent for our common stock is Computershare
Trust Company, N.A., Canton, Massachusetts.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_015"></A>LEGAL MATTERS</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The validity of the shares of common stock offered
hereby and selected other legal matters in connection with the offering will be passed upon for us by the law firm of Luse Gorman,
PC, Washington, D.C. Kilpatrick Townsend &amp; Stockton LLP, Washington, D.C., will pass upon certain legal matters for the underwriters.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_016"></A>EXPERTS</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The consolidated financial statements of Bridge
Bancorp, Inc. incorporated in this prospectus supplement by reference to Bridge Bancorp, Inc.&rsquo;s Annual Report on Form 10-K
for the year ended December 31, 2015 have been so incorporated in reliance on the report of Crowe Horwath LLP, an independent registered
public accounting firm, given upon their authority as experts in accounting and auditing.</P>

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


<!-- Field: Page; Sequence: 20; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"><A HREF="#toc"></A>&nbsp;</P></DIV>
    <!-- Field: /Page -->



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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 16pt"><B>$200,000,000</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<IMG SRC="t1602879_base.jpg" ALT=""></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Debt Securities</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Common Stock</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Preferred
Stock</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Depository
Shares</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Warrants</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Purchase Contracts</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Units</B></FONT></P>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 20%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may offer and sell from time to time up
to $200 million of unsecured debt securities, which may consist of notes, debentures, or other evidences of indebtedness; shares
of common stock; shares of preferred stock; depositary shares; purchase contracts; warrants to purchase other securities; and units
consisting of any combination of the above securities. This prospectus provides you with a general description of the securities
listed above. Each time we offer any securities pursuant to this prospectus, we will provide you with a prospectus supplement,
and, if necessary, a pricing supplement, that will describe the specific amounts, prices and terms of the securities being offered.
These supplements may also add, update or change information contained in this prospectus. To understand the terms of the securities
offered, you should carefully read this prospectus with the applicable supplements, which together provide the specific terms of
the securities we are offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Our common stock is traded on the Nasdaq Global
Select Market under the symbol &ldquo;BDGE.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">This prospectus may be used to offer and sell
securities only if accompanied by the prospectus supplement and any applicable pricing supplement for those securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.55pt"><B>You should read this prospectus and any
supplements carefully before you invest. Investing in our securities involves a high degree of risk. See the sections entitled
&ldquo;Risk Factors,&rdquo; on page 3 of this prospectus, in any prospectus supplement and in the documents we file with the Securities
and Exchange Commission that are incorporated in this prospectus by reference for a discussion of certain risks and uncertainties
you should consider.</B>&nbsp;</P>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 20%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 34.55pt"><B>These securities are
not deposits or obligations of a bank or savings association and are not insured or guaranteed by the Federal Deposit Insurance
Corporation or any other governmental agency.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.55pt"><B>Neither the Securities and Exchange Commission
nor any state securities commission has approved or disapproved of these securities or determined that this prospectus or any prospectus
supplement is truthful or complete. Any representation to the contrary is a criminal offense. </B>&nbsp;</P>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 20%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>The date of this prospectus is April 22,
2016. </B></P>

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



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


<!-- Field: Page; Sequence: 21 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>IMPORTANT NOTICE ABOUT INFORMATION PRESENTED
IN THIS </B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">We may provide information to you about the
securities we are offering in three separate documents that progressively provide more detail:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.45pt"></TD><TD STYLE="width: 18.35pt">&bull;</TD><TD>this prospectus, which provides general information about Bridge Bancorp, Inc. and the securities being registered, some of
which may not apply to your securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.45pt"></TD><TD STYLE="width: 18.35pt">&bull;</TD><TD>a prospectus supplement, which describes the terms of a particular issuance of securities, some of which may not apply to your
securities and which may not include information relating to the prices of the securities being offered; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.45pt"></TD><TD STYLE="width: 18.35pt">&bull;</TD><TD>if necessary, a pricing supplement, which describes the pricing terms of your securities.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">If the terms of your securities vary among
the pricing supplement, the prospectus supplement and the prospectus, you should rely on the information in the following order
of priority:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.45pt"></TD><TD STYLE="width: 18.35pt">&bull;</TD><TD>the pricing supplement, if any;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.45pt"></TD><TD STYLE="width: 18.35pt">&bull;</TD><TD>the prospectus supplement; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.45pt"></TD><TD STYLE="width: 18.35pt">&bull;</TD><TD>this prospectus.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">We include cross-references in this prospectus
and the prospectus supplement to captions in these materials where you can find further related discussions. The following Table
of Contents and the Table of Contents included in the prospectus supplement provide the pages on which these captions are located.</P>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 20%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Unless indicated in the applicable prospectus
supplement, we have not taken any action that would permit us to publicly sell these securities in any jurisdiction outside the
United States. If you are an investor outside the United States, you should inform yourself about and comply with any restrictions
as to the offering of the securities and the distribution of this prospectus.</P>

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


<!-- Field: Page; Sequence: 22; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><A NAME="TableOfContents"></A>TABLE OF CONTENTS </B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 94%; padding-left: 12pt; text-indent: -12pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 6%; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Page</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#pro_001">ABOUT THIS PROSPECTUS</A></FONT></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#pro_003">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</A></FONT></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK FACTORS</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#pro_006">OUR COMPANY</A></FONT></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE OF PROCEEDS</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">REGULATION AND SUPERVISION</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF SECURITIES</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.2in"><A HREF="#pro_011"><FONT STYLE="font-size: 10pt">Debt Securities</FONT></A></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.2in"><A HREF="#pro_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common Stock</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-size: 10pt"><A HREF="#pro_013">Preferred Stock</A></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.2in"><A HREF="#pro_014"><FONT STYLE="font-size: 10pt">Depository Shares</FONT></A></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.2in"><A HREF="#pro_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Warrants</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.2in"><A HREF="#pro_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Contracts</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.2in"><A HREF="#pro_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Units</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt"><A HREF="#pro_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GLOBAL SECURITIES</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt"><A HREF="#pro_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PLAN OF DISTRIBUTION</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12.25pt; text-indent: -12.25pt"><A HREF="#pro_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL OPINIONS</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 12pt; text-indent: -12pt"><A HREF="#pro_021"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPERTS</FONT></A></TD>
    <TD NOWRAP STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 23 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid">&nbsp;</DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="pro_001"></A>ABOUT THIS PROSPECTUS </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">This prospectus is part of a registration
statement that we filed with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;) utilizing a &ldquo;shelf&rdquo; registration
process. Under this shelf registration process, we may from time to time offer and sell the debt securities, common stock, preferred
stock, depositary shares, warrants, purchase contracts, or units consisting of a combination of any of the securities described
in this prospectus in one or more offerings, up to a total dollar amount of $200 million. This prospectus provides you with a general
description of the securities covered by it. Each time we offer these securities, we will provide a prospectus supplement and,
if necessary, a pricing supplement, that will contain specific information about the terms of the offer. The prospectus supplement
and any pricing supplement may also add, update or change information contained in this prospectus. You should read this prospectus,
the prospectus supplement and any pricing supplement together with the additional information described under the heading <I>&ldquo;Where
You Can Find More Information.&rdquo;</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;Unless otherwise indicated or unless the
context requires otherwise, all references in this prospectus to &ldquo;Bridge Bancorp,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo;
&ldquo;us,&rdquo; &ldquo;our&rdquo; or similar references mean Bridge Bancorp, Inc., and references to the &ldquo;Bank&rdquo; mean
The Bridgehampton National Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><A NAME="pro_002"></A><B>WHERE YOU CAN FIND MORE INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;We file reports, proxy statements and other
documents with the SEC. You may read and copy any document we file at the SEC&rsquo;s public reference room at 100 F Street, N.E.,
Room 1580, Washington, D.C. 20549. You should call 1-800-SEC-0330 for more information on the public reference room. Our SEC filings
are also available to you on the SEC&rsquo;s Internet site at <U>http://www.sec.gov</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;This prospectus is part of a registration
statement that we filed with the SEC. The registration statement contains more information than this prospectus regarding us, including
certain exhibits and schedules. You can obtain a copy of the registration statement from the SEC at the address listed above or
from the SEC&rsquo;s Internet site.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_003"></A><B>INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 24.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The SEC allows us to &ldquo;incorporate by
reference&rdquo; information into this prospectus. This means that we can disclose important information to you by referring you
to another document that we file separately with the SEC. The information incorporated by reference is considered to be a part
of this prospectus, except for any information that is superseded by information that is included directly in this document or
in a more recent incorporated document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">This prospectus incorporates by reference the
documents listed below that we have previously filed with the SEC.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 60%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>SEC
    Filings</B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: top; font-weight: bold; text-align: center; width: 2%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 38%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Period
    or Filing Date (as applicable)</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 5.55pt; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 5.55pt; font-weight: bold; text-align: center">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12.25pt; text-indent: -12.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annual Report on Form 10-K</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Year ended December 31, 2015</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current Reports on Form 8-K (in each case other than those portions furnished under Item 2.02 or 7.01 of Form 8-K)</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">January 8, 2016; January 29, 2016; March 8, 2016; March
        21,         2016;         April 7, 2016; April 12, 2016</P>
</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The description of our common stock set forth in the registration statement on Form 8-A12B (No. 001-34096) and any amendment or report filed with the SEC for the purpose of updating this description</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 9, 2008</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">In addition, we also incorporate by reference
all future documents that we file with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of our
initial registration statement relating to the securities covered by this prospectus until the completion of the distribution of
such securities. These documents include periodic reports, such as annual reports on Form 10-K and quarterly reports on Form 10-Q,
and current</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>


<!-- Field: Page; Sequence: 24; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">reports on Form 8-K (other than current reports
furnished under Items 2.02 or 7.01 of Form 8-K), as well as proxy statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The information incorporated by reference
contains information about us and our financial condition and is an important part of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 20%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">You can obtain any of the documents incorporated
by reference in this document through us, or from the SEC through the SEC&rsquo;s Internet site at <I>www.sec.gov</I>. Documents
incorporated by reference are available from us without charge, excluding any exhibits to those documents, unless the exhibit is
specifically incorporated by reference as an exhibit in this prospectus. You can obtain documents incorporated by reference in
this prospectus from us by requesting them in writing or by telephone using the following contact information:</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(631) 537-1000</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 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="text-decoration: underline; text-align: center; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Overnight Mail</U></FONT></TD>
    <TD STYLE="text-align: center; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: normal; text-decoration: underline; text-align: center; width: 49%; font-style: normal"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Regular Mail</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Secretary</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Secretary</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bridge Bancorp, Inc.</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bridge Bancorp, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2200 Montauk Highway</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">P.O. Box 3005</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bridgehampton, New York 11932</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bridgehampton, New York 11932</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">In addition, we maintain a corporate website,
<I>www.bridgenb.com</I>. We make available, through our website, our annual reports on Form 10-K, quarterly reports on Form 10-Q,
current reports on Form 8-K, and any amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities
Exchange Act of 1934, or the Exchange Act, as soon as reasonably practicable after we electronically file such material with, or
furnish it to, the SEC. This reference to our website is for the convenience of investors as required by the SEC and shall not
be deemed to incorporate any information on the website into this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">We have not authorized anyone to give any information
or make any representation about us that is different from, or in addition to, those contained in this prospectus or in any of
the materials that we have incorporated into this prospectus. If anyone does give you information of this sort, you should not
rely on it. If you are in a jurisdiction where offers to sell, or solicitations of offers to purchase, the securities offered by
this document are 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="pro_004"></A>SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">We make statements in this prospectus and the
documents incorporated into it by reference that are considered &ldquo;forward-looking statements&rdquo; as defined in the Private
Securities Litigation Reform Act of 1995 (the &ldquo;PSLRA&rdquo;).&nbsp; Such forward-looking statements, in addition to historical
information, involve risk and uncertainties, and are based on the beliefs, assumptions and expectations of management of the Company.&nbsp;
Words such as &ldquo;expects,&rdquo; &ldquo;believes,&rdquo; &ldquo;should,&rdquo; &ldquo;plans,&rdquo; &ldquo;anticipates,&rdquo;
&ldquo;will,&rdquo; &ldquo;potential,&rdquo; &ldquo;could,&rdquo; &ldquo;intend,&rdquo; &ldquo;may,&rdquo; &ldquo;outlook,&rdquo;
&ldquo;predict,&rdquo; &ldquo;project,&rdquo; &ldquo;would,&rdquo; &ldquo;estimated,&rdquo; &ldquo;assumes,&rdquo; &ldquo;likely,&rdquo;
and variation of such similar expressions are intended to identify such forward-looking statements.&nbsp; Forward-looking statements
speak only as of the date they are made. Because forward-looking statements are subject to assumptions and uncertainties, actual
results or future events could differ, possible materially, from those that we anticipated in our forward-looking statements and
future results could differ materially from historical performance.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Factors that could cause future results to vary
from current management expectations as reflected in our forward-looking statements include, but are not limited to, changing economic&nbsp;conditions;
legislative and regulatory changes, including increases in Federal Deposit Insurance Corporation (&ldquo;FDIC&rdquo;) insurance
rates; monetary and fiscal policies of the federal government; changes in tax policies; rates and regulations of federal, state
and local tax authorities; changes in interest rates; changes in our ability to access cost-effective funding; deposit flows; inflation;</P>

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


<!-- Field: Page; Sequence: 25; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">demands for loan products; demand for financial
services; competition; changes in the securities or secondary mortgage markets; changes in the quality and composition of the Bank&rsquo;s
loan and investment portfolios; changes in management&rsquo;s business strategies; changes in our ability to manage market risk,
credit risk and operational risk; our ability to enter new markets successfully; changes in accounting principles, policies or
guidelines; our ability to successfully integrate acquired businesses; changes in consumer spending; our ability to retain key
employees; changes in real estate values; expanded regulatory requirements as a result of the Dodd-Frank Wall Street Reform and
Consumer Protection Act, which could adversely affect operating results; and other factors discussed elsewhere in this report,
and in other reports filed by the Company with the Securities and Exchange Commission.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">You should not place undue reliance on these
forward-looking statements, which reflect our expectations only as of the date of this prospectus. We do not assume any obligation
to revise forward-looking statements except as may be required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: -2.85pt"><B><A NAME="pro_005"></A>RISK FACTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 37.05pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Before making an investment decision, you
should carefully consider the risks described under <I>&ldquo;Risk Factors&rdquo;</I> in the applicable prospectus supplement and
in our most recent Annual Report on Form 10-K, and in our updates to those Risk Factors in our Quarterly Reports on Form 10-Q,
together with all of the other information appearing in this prospectus or incorporated by reference into this prospectus, the
prospectus supplement or any applicable pricing supplement, in light of your particular investment objectives and financial circumstances.
In addition to those risk factors, there may be additional risks and uncertainties of which management is not aware or focused
on or that management deems immaterial. Our business, financial condition or results of operations could be materially adversely
affected by any of these risks. The trading price of our securities could decline due to any of these risks, and you may lose all
or part of your investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_006"></A><B>OUR COMPANY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;We are a New York corporation formed in
1988 to become the holding company for The Bridgehampton National Bank. We are registered as a bank holding company under the Bank
Holding Company Act of 1956, as amended. At December 31, 2015, we had total assets of $3.78 billion, deposits of $2.84 billion
and total stockholders&rsquo; equity of $341.1 million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The Bridgehampton National Bank was established
in 1910 as a national banking association and is headquartered in Bridgehampton, New York. The Bank operates 40 retail branch locations
in its primary market area of Suffolk County and Southern Nassau County, Long Island. Through this branch network and its electronic
delivery channels, the Bank provides deposit and loan products and financial services to local businesses, consumers and municipalities.
Title insurance services are offered through the Bank&rsquo;s wholly owned subsidiary, Bridge Abstract. Bridge Investment Services,
also a subsidiary of the Bank, offers financial planning and investment consultation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Our principal executive offices are located
at 2200 Montauk Highway, Bridgehampton, New York 11932, and our telephone number is (631) 537-1000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Additional information about us and our subsidiaries
is included in documents incorporated by reference in this prospectus. See <I>&ldquo;Where You Can Find More Information&rdquo;
</I>on page 1 of this prospectus.</P>

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


<!-- Field: Page; Sequence: 26; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="pro_007"></A>CONSOLIDATED RATIOS OF EARNINGS TO FIXED
CHARGES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Our consolidated ratios of earnings to fixed
charges were as follows for the periods presented:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 85%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Years
    Ended December 31,</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2015</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2014</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2013</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2012</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2011</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left">Ratios of Earnings to Fixed Charges:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 45%; text-align: left; padding-left: 9pt">Including deposit interest</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">3.66</FONT></TD><TD STYLE="width: 1%; text-align: left">x</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">3.42</FONT></TD><TD STYLE="width: 1%; text-align: left">x</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">3.44</TD><TD STYLE="width: 1%; text-align: left">x</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">3.33</TD><TD STYLE="width: 1%; text-align: left">x</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">2.86</TD><TD STYLE="width: 1%; text-align: left">x</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 9pt">Excluding deposit interest</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.00</FONT></TD><TD STYLE="text-align: left">x</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5.93</FONT></TD><TD STYLE="text-align: left">x</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.33</TD><TD STYLE="text-align: left">x</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.63</TD><TD STYLE="text-align: left">x</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.37</TD><TD STYLE="text-align: left">x</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;For the purpose of computing the consolidated
ratio of earnings to fixed charges, &ldquo;earnings&rdquo; consist of income before income taxes plus fixed charges. &ldquo;Fixed
charges&rdquo; consist of interest on borrowings, including interest payments of the junior subordinated debentures underlying
the Trust Preferred Securities issued by a subsidiary of the Company in December 2009, interest payments on subordinated debentures,
and one-third of rent expense, which approximates the interest component of rent expense. In addition, where indicated, fixed
charges includes interest on deposits. We currently have no shares of preferred stock outstanding and have not paid any preferred
stock dividends during the periods presented. A statement setting forth details of the computation of the ratios of earnings to
fixed charges is included as Exhibit 12.1 to the registration statement of which this prospectus is a part.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_008"></A><B>USE OF PROCEEDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The Company intends to use the net proceeds
from the sale of the securities for general corporate purposes unless otherwise indicated in the prospectus supplement relating
to a specific issuance of securities. The Company&rsquo;s general corporate purposes will likely include support for organic growth,
and may also include, among other things, financing possible acquisitions of branches or other financial institutions, diversification
into other banking-related businesses, extending credit to, or funding investments in, our subsidiaries, repaying, reducing or
refinancing indebtedness, or repurchasing our outstanding common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The precise amounts and the timing of our
use of the net proceeds will depend upon market conditions, our subsidiaries&rsquo; funding requirements, the availability of other
funds and other factors. Until we use the net proceeds from the sale of any of the securities for general corporate purposes, we
will use the net proceeds to reduce our indebtedness or for temporary investments. We expect that we will, on a recurrent basis,
engage in additional financings as the need arises to finance our corporate strategies to support our growth, to fund our subsidiaries,
or otherwise.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_009"></A><B>REGULATION AND SUPERVISION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;As a bank holding company controlling
the Bank, we are subject to the Bank Holding Company Act of 1956, as amended (&ldquo;BHCA&rdquo;), and the rules and regulations
of the Board of Governors of the Federal Reserve System (&ldquo;Federal Reserve Board&rdquo;) under the BHCA applicable to bank
holding companies. We are required to file reports with, and otherwise comply with the rules and regulations of the Federal Reserve
Board and the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">Our banking subsidiary, The Bridgehampton National
Bank, is a national bank organized under the laws of the United States of America. The lending, investment, and other business
operations of the Bank are governed by federal law and regulations and the Bank is prohibited from engaging in any operations not
specifically authorized by such laws and regulations. The Bank is subject to extensive regulation by the Office of the Comptroller
of the Currency (&ldquo;OCC&rdquo;) and to a lesser extent by the FDIC, as its deposit insurer as well as by the Federal Reserve
Board. The Bank&rsquo;s deposit accounts are insured up to applicable limits by the FDIC under its Deposit Insurance Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">These regulatory authorities have extensive
enforcement authority over the institutions that they regulate to prohibit or correct activities that violate law, regulation or
a regulatory agreement or which are deemed to be unsafe or unsound banking practices. Enforcement actions may include the appointment
of a conservator or receiver, the issuance of a cease and desist order, the termination of deposit insurance, the imposition of
civil money penalties on the institution, its directors, officers, employees and institution-affiliated parties, the issuance of
directives to</P>


<!-- Field: Page; Sequence: 27; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">increase capital, the issuance of formal and
informal agreements, the removal of or restrictions on directors, officers, employees and institution-affiliated parties, and the
enforcement of any such mechanisms through restraining orders or other court actions. Any change in laws and regulations, whether
by the OCC, the FDIC, the Federal Reserve Board or through legislation, could have a material adverse impact on us, our operations
and our stockholders. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">Because we are a holding company, our rights
and the rights of our creditors and the holders of the securities we are offering under this prospectus to participate in the assets
of any of our subsidiaries upon the subsidiary&rsquo;s liquidation or reorganization will be subject to the prior claims of the
subsidiary&rsquo;s creditors, except to the extent that we may ourselves be a creditor with recognized claims against the subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">In addition, dividends, loans and advances
from the Bank to us are restricted by federal law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">For a discussion of the material elements of
the regulatory framework applicable to bank holding companies and their subsidiaries, and specific information relevant to us and
the Bank, you should refer to our Annual Report on Form 10-K for the year ended December 31, 2015, and any other subsequent reports
filed by us with the SEC, which are incorporated by reference in this prospectus. This regulatory framework is intended primarily
for the protection of depositors and the Deposit Insurance Fund that insures deposits of the Bank, rather than for the protection
of security holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_010"></A><B>DESCRIPTION OF THE SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">This prospectus contains a summary of the
debt securities, common stock, preferred stock, depositary shares, warrants, purchase contracts, and units that may be offered
under this prospectus. The following summaries are not meant to be a complete description of each security. The prospectus supplement
and the pricing supplement, if applicable, contain the material terms and conditions for each security. You should read all of
these documents as well as the documents filed as exhibits to or incorporated by reference to this registration statement. Capitalized
terms used in this prospectus that are not defined will have the meanings given them in these documents. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_011"></A><B>Description of Debt Securities </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may issue senior debt securities or subordinated
debt securities. Senior debt securities will be issued under an indenture, referred to as the &ldquo;senior indenture,&rdquo; and
subordinated debt securities will be issued under a separate indenture, referred to in this section as the &ldquo;subordinated
indenture.&rdquo; The senior indenture and the subordinated indenture are referred to in this section as the &ldquo;indentures.&rdquo;
The senior debt securities and the subordinated debt securities are referred to in this section as the &ldquo;debt securities.&rdquo;
The debt securities will be our direct unsecured general obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">This prospectus describes the general terms
and provisions of the debt securities. When we offer to sell a particular series of debt securities, we will describe the specific
terms of the securities in a supplement to this prospectus. The prospectus supplement will also indicate whether the general terms
and provisions described in this prospectus apply to a particular series of debt securities. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">The following briefly describes the general
terms and provisions of the debt securities and the indentures. We have not restated these indentures in their entirety in this
description. We have filed the forms of the indentures, including the forms of debt securities, as exhibits to the registration
statement of which this prospectus is a part. We urge you to read the indentures, because they, and not this description, control
your rights as holders of the debt securities. The following description of the indentures is not complete and is subject to, and
qualified in its entirety by reference to, all the provisions in the respective indentures. In the summary below, we have included
references to section numbers of the applicable indenture so that you can easily locate these provisions. Capitalized terms used
in the summary have the meanings specified in the indentures.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">Neither indenture limits the amount of debt
securities that we may issue under the indenture from time to time in one or more series. We may in the future issue debt securities
under either indenture. At the date of this prospectus, we had not issued any debt securities under either indenture.</P>

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


<!-- Field: Page; Sequence: 28; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Neither indenture contains provisions that would
afford holders of debt securities protection in the event of a sudden and significant decline in our credit quality or a takeover,
recapitalization or highly leveraged or similar transaction. Accordingly, we could in the future enter into transactions that could
increase the amount of indebtedness outstanding at that time or otherwise adversely affect our capital structure or credit rating.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The debt securities will be our exclusive obligations.
Neither indenture requires our subsidiaries to guarantee the debt securities. As a result, the holders of debt securities will
generally have a junior position to claims of all creditors and preferred shareholders of our subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Terms of Each Series of Debt Securities Provided in the Prospectus
Supplement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">A prospectus supplement and any supplemental
indenture relating to any series of debt securities being offered will include specific terms relating to the offering. These terms
will include some or all of the following (Section 301):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the form and title of the debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>whether the debt securities are senior debt securities or subordinated debt securities and the terms of subordination;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the principal amount of the debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the denominations in which the debt securities will be issued;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the portion of the principal amount which will be payable if the maturity of the debt securities is accelerated;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the currency or currency unit in which the debt securities will be paid, if not U.S. dollars;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any right we may have to defer payments of interest by extending the dates payments are due and whether interest on those deferred
amounts will be payable as well;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the place where the principal of, and premium, if any, and interest on any debt securities will be payable;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the date or dates on which the debt securities will be issued and the principal, and premium, if any, of the debt securities
will be payable;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the rate or rates which the debt securities will bear interest and the interest payment dates for the debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any mandatory or optional redemption provisions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the terms, if any, upon which the debt securities are convertible into other securities of ours and the terms
and conditions upon which any conversion will be effected, including the initial conversion price or rate, the conversion period
and any other provisions in addition to or instead of those described in this prospectus;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any sinking fund or other provisions that would obligate us to repurchase or otherwise redeem the debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any deletion from, changes of or additions to the covenants or the Events of Default (as defined below) under &ldquo;<I>Provisions
in Both Indentures &ndash; Events of Default and Remedies</I>&rdquo;;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any changes to the terms and condition upon which the debt securities can be defeased or discharged;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>


<!-- Field: Page; Sequence: 29; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any restriction or other provision with respect to the transfer or exchange of the debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>the identity of any other trustee, paying agent and security registrar, if other than the trustee; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any other terms of the debt securities.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will maintain in each place specified by
us for payment of any series of debt securities an office or agency where debt securities of that series may be presented or surrendered
for payment, where debt securities of that series may be surrendered for registration of transfer or exchange and where notices
and demands to or upon us in respect of the debt securities of that series and the related indenture may be served (Section 1002).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Debt securities may be issued under an indenture
as original issue discount securities to be offered and sold at a substantial discount below their principal amount. Material federal
income tax, accounting and other considerations applicable to any such original issue discount securities will be described in
any related prospectus supplement. &ldquo;Original issue discount security&rdquo; means any security which provides for an amount
less than the principal amount thereof to be due and payable upon a declaration of acceleration of the maturity thereof as a result
of the occurrence of an Event of Default and the continuation thereof (Section 101).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Provisions Only in the Senior Indenture</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Payment of the principal, premium, if any, and
interest on the senior debt securities will rank equally in right of payment with all of our other unsecured senior debt.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Provisions Only in the Subordinated Indenture</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Payment of the principal, premium, if any, and
interest on the subordinated debt securities will be subordinate and junior in priority of payment to prior payment in full of
all of our senior indebtedness, including senior debt securities and other debt to the extent described in a prospectus supplement
(Section 1401 of the subordinated indenture).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Subordinated Debt Securities Intended to Qualify as Tier 2 Capital</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise stated in the applicable prospectus
supplement, it is currently intended that the subordinated debt securities will qualify as Tier 2 Capital under the guidelines
established by the Federal Reserve Board for bank holding companies. The guidelines set forth specific criteria for subordinated
debt to qualify as Tier 2 Capital. Among other things, the subordinated debt must:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>be unsecured;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>have an average maturity of at least five years;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>be subordinated in right of payment;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>not contain provisions permitting the holders of the debt to accelerate payment of principal prior to maturity except in the
event of bankruptcy of the issuer;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>not contain provisions permitting the issuer of the debt to redeem the security prior to the maturity date without prior approval
of the Federal Reserve; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>not contain provisions that would adversely affect liquidity or unduly restrict management&rsquo;s flexibility to operate the
organization, particularly in times of financial difficulty, such as limitations on additional secured or senior borrowings, sales
or dispositions of assets or changes in control.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>


<!-- Field: Page; Sequence: 30; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Consolidation, Merger or Asset Sale</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each indenture generally allows us to consolidate
or merge with a domestic person, association or entity. Each also allows us to sell, lease or transfer our property and assets
substantially as an entirety to a domestic person, association or entity. If this happens, the remaining or acquiring person, association
or entity must assume all of our responsibilities and liabilities under the indentures including the payment of all amounts due
on the debt securities and performance of the covenants in the indentures.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">However, we will only consolidate or merge with
or into any other person, association or entity or sell, lease or transfer our assets substantially as an entirety according to
the terms and conditions of the indentures, which require that:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 14.25pt">&bull;</TD><TD>the remaining or acquiring person, association or entity is organized under the laws of the United States, any state within
the United States or the District of Columbia;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -14.25pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 14.25pt">&bull;</TD><TD>the remaining or acquiring person, association or entity assumes our obligations under the indentures; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -14.25pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 14.25pt">&bull;</TD><TD>immediately after giving effect to the transaction, no Default or Event of Default, as defined below, shall have occurred and
be continuing.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The remaining or acquiring person, association
or entity will be substituted for us in the indentures with the same effect as if it had been an original party to the indentures.
Thereafter, the successor may exercise our rights and powers under the indentures, in our name or in its own name. If we sell or
transfer all or substantially all of our assets, we will be released from all our liabilities and obligations under any indenture
and under the debt securities. If we lease all or substantially all of our assets, we will not be released from our obligations
under the indentures (Sections 801 and 802).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Events of Default and Remedies</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the indentures, Default with respect to any
series of debt securities means any event which is, or after notice or lapse of time or both would become, an Event of Default.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the indentures, Event of Default with respect
to any series of debt securities means any of the following (Section 501):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>failure to pay the principal of or any premium on any debt security of that series when due;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>failure to pay interest on any debt security of that series for 30 days;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>subject to certain exceptions, failure to perform any other covenant in the indenture, other than a covenant default in the
performance of which has expressly been included in the indenture solely for the benefit of series of debt securities other than
that series, that continues for 90 days after being given written notice as specified in the indenture;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>our bankruptcy, insolvency or reorganization; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.8pt"></TD><TD STYLE="width: 17.1pt">&bull;</TD><TD>any other Event of Default included in any indenture or supplemental indenture.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If an Event of Default with respect to a series
of debt securities occurs and is continuing, the trustee or the holders of at least 25% in principal amount of all of the outstanding
debt securities of a particular series may declare the principal of all the debt securities of that series to be due and payable.
When such declaration is made, such amounts will be immediately due and payable. The holders of a majority in principal amount
of the outstanding debt securities of such series may rescind such declaration and its consequences if all existing Events of Default
have</P>

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


<!-- Field: Page; Sequence: 31; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">been cured or waived, other than nonpayment
of principal or interest that has become due solely as a result of acceleration (Section 502).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Holders of a series of debt securities may not
enforce the indenture or the series of debt securities, except as provided in the indenture or a series of debt securities (Section
507). The trustee may require indemnity satisfactory to it before it enforces the indenture or such series of debt securities (Section
603). Subject to certain limitations, the holders of a majority in principal amount of the outstanding debt securities of a particular
series may direct the time, method and place of conducting any proceeding for any remedy available to the trustee or exercising
any trust or power of the trustee (Section 512). The trustee may withhold notice to the holders of debt securities of any default,
except in the payment of principal or interest, if it considers such withholding of notice to be in the best interests of the holders
(Section 602).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">An Event of Default for a particular series
of debt securities does not necessarily constitute an Event of Default for any other series of debt securities issued under an
indenture. Further, an Event of Default under the debt securities of any series will not necessarily constitute an event of default
under our other indebtedness or vice versa.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under each indenture, generally we and the
trustee may modify our rights and obligations and the rights of the holders with the consent of the holders of a majority in aggregate
principal amount of the outstanding debt securities of any series affected by the modification, voting as one class. No modification
of the principal or interest payment terms, requirement that the Company maintain an office or agency for matters related to the
debt securities, reduction of the percentage consent required for modifications, or impairment of the right to institute suit
for the payment on debt securities of any series when due, is effective against any holder without consent of all holders
(Section 902).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, we and the trustee may enter into
supplemental indentures without the consent of any holder of the debt securities to make certain technical changes, such as (Section
901):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.95pt"></TD><TD STYLE="width: 19.95pt">&bull;</TD><TD>curing ambiguities or correcting defects or inconsistencies;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.95pt"></TD><TD STYLE="width: 19.95pt">&bull;</TD><TD>evidencing the succession of another person to us, and the assumption by that successor of our obligations under the applicable
indenture and the debt securities of any series;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.95pt"></TD><TD STYLE="width: 19.95pt">&bull;</TD><TD>providing for a successor trustee;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.95pt"></TD><TD STYLE="width: 19.95pt">&bull;</TD><TD>qualifying the indentures under the Trust Indenture Act of 1939, as amended (the &ldquo;Trust Indenture Act&rdquo;); or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.9pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.95pt"></TD><TD STYLE="width: 19.95pt">&bull;</TD><TD>complying with the rules and regulations of any securities exchange or automated quotation system on which debt securities
of any series may be listed or traded.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may choose either to discharge our obligations
on the debt securities of any series in a legal defeasance, or to release ourselves from our covenant restrictions on the debt
securities of any series in a covenant defeasance. We may do so at any time on the 91st day after we deposit with the trustee sufficient
cash or government securities to pay the principal, interest, any premium and any other sums due to the stated maturity date or
a redemption date of the debt securities of the series. If we choose the legal defeasance option, the holders of the debt securities
of the series will not be entitled to the benefits of the indenture except for registration of transfer and exchange of debt securities,
replacement of lost, stolen or mutilated debt securities, conversion or exchange of debt securities, sinking fund payments and
receipt of principal and interest on the original stated due dates or specified redemption dates (Section 1302).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may discharge our obligations on the debt
securities of any series or release ourselves from covenant restrictions only if we meet certain requirements. Among other things,
we must deliver an opinion of our legal counsel that the discharge will not result in holders having to recognize taxable income
or loss or subject them to</P>

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


<!-- Field: Page; Sequence: 32; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">different tax treatment. In the case of legal
defeasance, this opinion must be based on either an IRS letter ruling or change in federal tax law. We may not have a default on
the debt securities discharged on the date of deposit. The discharge may not violate any of our agreements. The discharge may not
result in our becoming an investment company in violation of the Investment Company Act of 1940.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Information Concerning the Indenture Trustee</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under provisions of the indentures and the Trust
Indenture Act, if a trustee has or shall acquire a conflicting interest within the meaning of the Trust Indenture Act, the trustee
shall either eliminate such interest or resign in the manner provided by the indentures. Any resignation will require the appointment
of a successor trustee under the applicable indenture in accordance with its terms and conditions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The trustee may resign with respect to one
or more series of debt securities and a successor trustee may be appointed by us to act with respect to any such series.
The trustee may be removed with respect to a series of debt securities by the Company in accordance with the terms of the Indenture,
or by the holders of a majority in aggregate principal amount of such series at any time (Section 610).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each indenture contains certain limitations
on the right of the trustee thereunder, in the event that it becomes our creditor, to obtain payment of claims in some cases, or
to realize on property received in respect of any such claim, as security or otherwise (Section 613).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The trustee is required to submit an annual
report to the holders of the debt securities regarding, among other things, the trustee&rsquo;s eligibility to serve, the priority
of the trustee&rsquo;s claims regarding certain advances made by it, and any action taken by the trustee materially affecting the
debt securities. However, no annual report is required to be submitted if no event described in Section 313(a) of the Trust Indenture
Act has occurred within the 12 months preceding the reporting date (Section 703).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each indenture provides that, in addition to
other certificates or opinions that may be specifically required by other provisions of an indenture, every application by us for
action by the trustee shall be accompanied by a certificate of our officers and an opinion of counsel, who may be our counsel,
stating that, in the opinion of the signers, we have complied with all conditions precedent to the action (Section 102).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>No Personal Liability of Officers, Directors, Employees or
Shareholders</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our officers, directors, employees and shareholders
will not have any liability for our obligations under the indentures or the debt securities by way of his or her status. Each holder
of debt securities, by accepting a debt security, waives and releases all such liability. The waiver and release are part of the
consideration for the issuance of the debt securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Form, Denominations and Registration; Global Securities; Book
Entry Only System</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise indicated in a prospectus
supplement, the debt securities of a series will be issued only in fully registered form, without coupons, in minimum denominations
of $1,000 or integral multiples in excess thereof (Section 302). You will not have to pay a service charge to transfer
or exchange debt securities of a series, but we may require you to pay for taxes or other governmental charges due upon a transfer
or exchange (Section 305).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless otherwise
indicated in a prospectus supplement, each series of debt securities will be deposited with, or on behalf of, The Depository Trust
Company (&ldquo;DTC&rdquo;) or any successor depositary, which we call a &ldquo;depositary,&rdquo; and will be represented by one
or more global notes registered in the name of Cede &amp; Co., as nominee of DTC. The interests of beneficial owners in the global
notes will be represented through financial institutions acting on their behalf as direct or indirect participants in DTC.</FONT>
<FONT STYLE="font-size: 10pt">See &ldquo;<I>Global Securities</I>&rdquo; for the procedures for transfer of interests in securities
held in global form.</FONT></P>

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


<!-- Field: Page; Sequence: 33; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_012"></A><B>Description of Common Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We are authorized to issue 42,000,000
shares of capital stock, 40,000,000 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 December 31, 2015, we had 17,388,918 shares
of common stock outstanding, and no shares of preferred stock outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each share of common stock has the same relative
rights as, and is identical in all respects to, each other share of common stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The holders of our common stock are entitled
to receive and share equally in such dividends, if any, declared by the board of directors out of funds legally available therefor.
Under the New York Business Corporation Law, we may pay dividends on our outstanding shares except when the Company is insolvent
or would be made insolvent by the dividend. In addition, we may pay dividends and other distributions either (1) out of surplus,
so that our net assets remaining after such payment or distribution shall at least equal the amount of our stated capital, or (2)
if we have no such surplus, out of our net profits for the fiscal year in which the dividend is declared and/or the preceding fiscal
year; provided, that, if our capital is less than the aggregate amount of the stated capital represented by the issued and outstanding
shares of all classes having a preference upon the distribution of assets, we may not pay dividends out of such net profits until
the deficiency in the amount of stated capital represented by the issued and outstanding shares of all classes having a preference
upon the distribution of assets shall have been repaired. If we issue preferred stock, the holders thereof may have a priority
over the holders of our common stock with respect to dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The holders of our common stock are generally
entitled to one vote per share. Holders of our common stock are not entitled to cumulate their votes in the election of directors.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">In the event of our liquidation, dissolution
or winding up, the holders of our common stock would be entitled to receive, after payment or provision for payment of all our
debts and liabilities and the holders of any preferred stock, all of our assets available for distribution.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;Holders of our common stock are not entitled
to preemptive rights with respect to any shares that may be issued. The common stock is not subject to redemption.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Provisions in Our Certificate of Incorporation, Our Bylaws and
Federal Law Affecting Our Shareholders</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">Our certificate of incorporation and bylaws
contain a number of provisions relating to corporate governance and rights of shareholders that might discourage future takeover
attempts. As a result, shareholders who might desire to participate in such transactions may not have an opportunity to do so.
In addition, these provisions will also render the removal of our board of directors or management more difficult. Such provisions
include, among others, the requirement of a supermajority vote of shareholders to approve certain business combinations and other
corporate actions, special procedural rules for certain business combinations, a classified board of directors, restrictions on
the calling of special meetings of shareholders that do not provide for the calling of special meetings by the shareholders, and
a provision in our certificate of incorporation allowing the board of directors to oppose a tender or other offer for our securities,
including through the issuance of authorized but unissued securities or treasury stock or granting stock options, based on a wide
range of considerations. The foregoing is qualified in its entirety by reference to our certificate of incorporation and bylaws,
both of which are on file with the SEC.</P>

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


<!-- Field: Page; Sequence: 34; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36.7pt">The Bank Holding Company Act generally would
prohibit any company that is not engaged in financial activities and activities that are permissible for a bank holding company
or a financial holding company from acquiring control of us. &ldquo;Control&rdquo; is generally defined as ownership of 25% or
more of the voting stock or other exercise of a controlling influence. In addition, any existing bank holding company would need
the prior approval of the Federal Reserve before acquiring 5% or more of our voting stock. The Change in Bank Control Act of 1978,
as amended, prohibits a person or group of persons from acquiring control of a bank holding company unless the Federal Reserve
has been notified and has not objected to the transaction. Under a rebuttable presumption established by the Federal Reserve, the
acquisition of 10% or more of a class of voting stock of a bank holding company with a class of securities registered under Section
12 of the Exchange Act, such as us, could constitute acquisition of control of the bank holding company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_013"></A><B>Description of Preferred Stock</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The following summary contains a description
of the general terms of the preferred stock that we may issue. The specific terms of any series of preferred stock will be described
in the prospectus supplement relating to that series of preferred stock. The terms of any series of preferred stock may differ
from the terms described below. Certain provisions of the preferred stock described below and in any prospectus supplement are
not complete. You should refer to the amendment to our certificate of incorporation or the certificate of amendment pursuant to
applicable New York State law with respect to the establishment of a series of preferred stock which will be filed with the SEC
in connection with the offering of such series of preferred stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Our certificate of incorporation permits our
board of directors to authorize the issuance of up to 2,000,000 shares of preferred stock, par value $0.01, in one or more series,
without stockholder action. The board of directors can fix the number of shares to be included in each such series, and the designation,
powers, preferences, and rights of the shares of each such series and any qualifications, limitations or restrictions thereof.
Therefore, without stockholder approval, our board of directors can authorize the issuance of preferred stock with voting, dividend,
liquidation and conversion and other rights that could dilute the voting power of the common stock and may assist management in
impeding any unfriendly takeover or attempted change in control. None of our preferred stock is currently outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The preferred stock has the terms described
below unless otherwise provided in the prospectus supplement relating to a particular series of the preferred stock. You should
read the prospectus supplement relating to the particular series of the preferred stock being offered for specific terms, including:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the designation and stated value per share of the preferred stock
and the number of shares offered; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.75pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the amount of liquidation preference per share; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.75pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the price at which the preferred stock will be issued; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.75pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the dividend rate, or method of calculation, the dates on which dividends
will be payable, whether dividends will be cumulative or noncumulative and, if cumulative, the dates from which dividends will
commence to accumulate; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.75pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">any redemption or sinking fund provisions; &nbsp;&nbsp;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.75pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">any conversion provisions; and </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.75pt; text-indent: -17.1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 17.1pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">any other rights, preferences, privileges, limitations and restrictions
on the preferred stock. </FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The preferred stock will, when issued, be fully
paid and nonassessable. Unless otherwise specified in the prospectus supplement, each series of the preferred stock will rank equally
as to dividends and liquidation rights in</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>


<!-- Field: Page; Sequence: 35; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">all respects with each other series of preferred
stock. The rights of holders of shares of each series of preferred stock will be subordinate to those of our general creditors.
&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">We may, at our option, with respect to any
series of the preferred stock, elect to offer fractional interests in shares of preferred stock, which we call depositary shares.
See <I>&ldquo;Description of Depositary Shares,&rdquo; </I>below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Any series of the preferred stock will, with
respect to the priority of the payment of dividends and the priority of payments upon liquidation, winding up and dissolution,
rank:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">senior to all classes of common stock and all equity securities issued
by us the terms of which specifically provide that the equity securities will rank junior to the preferred stock (the junior securities);
</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 45.6pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">equally with all equity securities issued by us the terms of which
specifically provide that the equity securities will rank equally with the preferred stock (the parity securities); and </FONT><BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.65pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">junior to all equity securities issued by us the terms of which specifically
provide that the equity securities will rank senior to the preferred stock. </FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Holders of the preferred stock of each series
will be entitled to receive, when, as and if declared by our board of directors, cash dividends at such rates and on such dates
described, if any, in the prospectus supplement. Different series of preferred stock may be entitled to dividends at different
rates or based on different methods of calculation. The dividend rate may be fixed or variable or both. Dividends will be payable
to the holders of record as they appear on our stock books on record dates fixed by our board of directors, as specified in the
applicable prospectus supplement. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Dividends on any series of the preferred stock
may be cumulative or noncumulative, as described in the applicable prospectus supplement. If our board of directors does not declare
a dividend payable on a dividend payment date on any series of noncumulative preferred stock, then the holders of that noncumulative
preferred stock will have no right to receive a dividend for that dividend payment date, and we will have no obligation to pay
the dividend accrued for that period, whether or not dividends on that series are declared payable on any future dividend payment
dates. Dividends on any series of cumulative preferred stock will accrue from the date we initially issue shares of such series
or such other date specified in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">No full dividends may be declared or paid
or funds set apart for the payment of any dividends on any parity securities unless dividends have been paid or set apart for payment
on the preferred stock. If full dividends are not paid, the preferred stock will share dividends pro rata with the parity securities.
No dividends may be declared or paid or funds set apart for the payment of dividends on any junior securities unless full cumulative
dividends for all dividend periods terminating on or prior to the date of the declaration or payment will have been paid or declared
and a sum sufficient for the payment set apart for payment on the preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Our ability to pay dividends on our preferred
stock is limited by the New York State Business Corporation Law.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">If we dissolve, liquidate or wind up our affairs,
either voluntarily or involuntarily, the holders of each series of preferred stock will be entitled to receive, before any payment
or distribution of assets is made to holders of junior securities, liquidating distributions in the amount described in the prospectus
supplement relating to that series of the preferred stock, plus an amount equal to accrued and unpaid dividends and, if the series
of the preferred stock is cumulative, for all dividend periods prior to that point in time. If the amounts payable with respect
to the preferred stock of any series and any other parity securities are not paid in full, the holders of the preferred stock of
that series and of the parity securities will share proportionately in the distribution of our assets in proportion to the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>


<!-- Field: Page; Sequence: 36; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">full liquidation preferences to which they
are entitled. After the holders of preferred stock and the parity securities are paid in full, they will have no right or claim
to any of our remaining assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Because we are a bank holding company, our
rights, the rights of our creditors and of our stockholders, including the holders of the preferred stock offered by this prospectus,
to participate in the assets of any subsidiary upon the subsidiary&rsquo;s liquidation or recapitalization may be subject to the
prior claims of the subsidiary&rsquo;s creditors except to the extent that we may ourselves be a creditor with recognized claims
against the subsidiary.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may provide that a series of the preferred
stock may be redeemable, in whole or in part, at our option. In addition, a series of preferred stock may be subject to mandatory
redemption pursuant to a sinking fund or otherwise. The redemption provisions that may apply to a series of preferred stock, including
the redemption dates and the redemption prices for that series, will be described in the prospectus supplement. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">In the event of partial redemptions of preferred
stock, whether by mandatory or optional redemption, our board of directors will determine the method for selecting the shares to
be redeemed, which may be by lot or pro rata or by any other method determined to be equitable. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">On or after a redemption date, unless we default
in the payment of the redemption price, dividends will cease to accrue on shares of preferred stock called for redemption. In addition,
all rights of holders of the shares will terminate except for the right to receive the redemption price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Unless otherwise specified in the applicable
prospectus supplement for any series of preferred stock, if any dividends on any other series of preferred stock ranking equally
as to payment of dividends and liquidation rights with such series of preferred stock are in arrears, no shares of any such series
of preferred stock may be redeemed, whether by mandatory or optional redemption, unless all shares of preferred stock are redeemed,
and we will not purchase any shares of such series of preferred stock. This requirement, however, will not prevent us from acquiring
such shares pursuant to a purchase or exchange offer made on the same terms to holders of all such shares outstanding.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Unless otherwise described in the applicable
prospectus supplement, holders of the preferred stock will have no voting rights except as otherwise required by law or in our
certificate of incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The terms on which shares of preferred stock
of any series may be converted into or exchanged for another class or series of securities will be described in the applicable
prospectus supplement. &nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Unless otherwise indicated in a prospectus
supplement, each series of preferred stock may be deposited with, or on behalf of, DTC or any successor depositary and represented
by one or more global securities registered in the name of Cede &amp; Co., as nominee of DTC. The interests of beneficial owners
in the global securities will be represented through financial institutions acting on their behalf as direct or indirect participants
in DTC. See <I>&ldquo;Global Securities&rdquo;</I> for the procedures for transfer of interests in securities held in global form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_014"></A><B>Description of Depositary Shares</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;We may, at our option, elect to offer
depositary shares, which represent an interest in fractional shares of preferred stock, rather than full shares of preferred
stock. If we do, we will issue to the public receipts, called depositary receipts, for depositary shares, each of which will represent
a fraction, to be described in the prospectus supplement, of a share of a particular series of preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;The shares of any series of preferred stock
represented by depositary shares will be deposited with a depositary named in the prospectus supplement. Unless otherwise provided
in the prospectus supplement, each owner of a depositary share will be entitled, in proportion to the applicable fractional interest
in a share of preferred</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>


<!-- Field: Page; Sequence: 37; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">stock represented by the depositary share,
to all the rights and preferences of the preferred stock represented by the depositary share. Those rights include dividend, voting,
redemption, conversion and liquidation rights.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The depositary will distribute all cash dividends
or other cash distributions received in respect of the preferred stock to the record holders of depositary shares in proportion
to the numbers of depositary shares owned by those holders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">If there is a distribution other than in cash,
the depositary will distribute property received by it to the record holders of depositary shares, unless the depositary determines
that it is not feasible to make the distribution. If this occurs, the depositary may, with our approval, sell the property and
distribute the net proceeds from the sale to the holders.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Unless the related depositary shares have
been previously called for redemption, upon surrender of the depositary receipts at the office of the depositary, the holder of
the depositary shares will be entitled to delivery, at the office of the depositary to or upon his or her order, of the number
of whole shares of the preferred stock and any money or other property represented by the depositary shares. If the depositary
receipts delivered by the holder evidence a number of depositary shares in excess of the number of depositary shares representing
the number of whole shares of preferred stock to be withdrawn, the depositary will deliver to the holder at the same time a new
depositary receipt evidencing the excess number of depositary shares. In no event will the depositary deliver fractional shares
of preferred stock upon surrender of depositary receipts.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Whenever we redeem shares of preferred stock
held by the depositary, the depositary will redeem as of the same redemption date the number of depositary shares representing
shares of the preferred stock so redeemed, so long as we have paid in full to the depositary the redemption price of the preferred
stock to be redeemed plus an amount equal to any accumulated and unpaid dividends on the preferred stock to the date fixed for
redemption. The redemption price per depositary share will be equal to the redemption price and any other amounts per share payable
on the preferred stock multiplied by the fraction of a share of preferred stock represented by one depositary share. If less than
all the depositary shares are to be redeemed, the depositary shares to be redeemed will be selected by lot or pro rata or by any
other equitable method as may be determined by the depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">After the date fixed for redemption, depositary
shares called for redemption will no longer be deemed to be outstanding and all rights of the holders of depositary shares will
cease, except the right to receive the moneys payable upon redemption and any money or other property to which the holders of the
depositary shares were entitled upon redemption upon surrender to the depositary of the depositary receipts evidencing the depositary
shares.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Upon receipt of notice of any meeting at which
the holders of the preferred stock are entitled to vote, the depositary will mail the information contained in the notice of meeting
to the record holders of the depositary receipts relating to that preferred stock. The record date for the depositary receipts
relating to the preferred stock will be the same date as the record date for the preferred stock. Each record holder of the depositary
shares on the record date will be entitled to instruct the depositary as to the exercise of the voting rights pertaining to the
number of shares of preferred stock represented by that holder&rsquo;s depositary shares. The depositary will endeavor, insofar
as practicable, to vote the number of shares of preferred stock represented by the depositary shares in accordance with those instructions,
and we will agree to take all action which may be deemed necessary by the depositary in order to enable the depositary to do so.
The depositary will not vote any shares of preferred stock except to the extent it receives specific instructions from the holders
of depositary shares representing that number of shares of preferred stock.</P>

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


<!-- Field: Page; Sequence: 38; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We will pay all transfer and other taxes and
governmental charges arising solely from the existence of the depositary arrangements. We will pay charges of the depositary in
connection with the initial deposit of the preferred stock and any redemption of the preferred stock. Holders of depositary receipts
will pay other transfer and other taxes and governmental charges and such other charges as are expressly provided in the deposit
agreement to be for their accounts.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;The depositary may resign at any time by
delivering to us notice of its election to do so, and we may remove the depositary at any time. Any resignation or removal of the
depositary will take effect upon our appointment of a successor depositary and its acceptance of such appointment. The successor
depositary must be appointed within 60 days after delivery of the notice of resignation or removal and must be a bank or trust
company having its principal office in the United States and having a combined capital and surplus of at least $50,000,000.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;The depositary will forward to holders
of depositary receipts all notices, reports and other communications, including proxy solicitation materials received from us,
which are delivered to the depositary and which we are required to furnish to the holders of the preferred stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;Neither we nor the depositary will be liable
if either of us is prevented or delayed by law or any circumstance beyond our control in performing our obligations. Our obligations
and those of the depositary will be limited to performance in good faith of our and their duties thereunder. We and the depositary
will not be obligated to prosecute or defend any legal proceeding in respect of any depositary shares or preferred stock unless
satisfactory indemnity is furnished. We and the depositary may rely upon written advice of counsel or accountants, on information
provided by persons presenting preferred stock for deposit, holders of depositary receipts or other persons believed to be competent
and on documents believed to be genuine.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_015"></A><B>Description of Warrants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 37.05pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may issue warrants to purchase debt securities,
preferred stock, depositary shares or common stock. We may offer warrants separately or together with one or more additional warrants,
debt securities, preferred stock, depositary shares or common stock, or any combination of those securities in the form of units,
as described in the appropriate prospectus supplement. If we issue warrants as part of a unit, the accompanying prospectus supplement
will specify whether those warrants may be separated from the other securities in the unit prior to the warrants&rsquo; expiration
date. Below is a description of certain general terms and provisions of the warrants that we may offer. Further terms of the warrants
will be described in the prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;The applicable prospectus supplement will
contain, where applicable, the following terms of and other information relating to the warrants:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the specific designation and aggregate number of, and the price at which we will issue, the warrants;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the currency or currency units in which the offering price, if any, and the exercise price are payable;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the date on which the right to exercise the warrants will begin and the date on which that right will expire or, if you may
not continuously exercise the warrants throughout that period, the specific date or dates on which you may exercise the warrants;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any applicable anti-dilution provisions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any applicable redemption or call provisions;</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 39; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the circumstances under which the warrant exercise price may be adjusted;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the warrants will be issued in fully registered form or bearer form, in definitive or global form or in any combination
of these forms, although, in any case, the form of a warrant included in a unit will correspond to the form of the unit and of
any security included in that unit;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any applicable material United States federal income tax consequences;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the identity of the warrant agent for the warrants and of any other depositaries, execution or paying agents, transfer agents,
registrars or other agents;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the proposed listing, if any, of the warrants or any securities purchasable upon exercise of the warrants on any securities
exchange;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation and terms of the debt securities, preferred stock, depositary shares or common stock purchasable upon exercise
of the warrants;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation, aggregate principal amount, currency and terms of the debt securities that may be purchased upon exercise
of the warrants;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if applicable, the designation and terms of the debt securities, preferred stock, depositary shares or common stock with which
the warrants are issued and the number of warrants issued with each security;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if applicable, the date from and after which the warrants and the related debt securities, preferred stock, depositary shares
or common stock will be separately transferable;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the principal amount of debt securities, the number of shares of preferred stock, the number of depositary shares or the number
of shares of common stock purchasable upon exercise of a warrant and the price at which those shares may be purchased;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if applicable, the minimum or maximum amount of the warrants that may be exercised at any one time;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>information with respect to book-entry procedures, if any;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the antidilution provisions of the warrants, if any;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any redemption or call provisions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the warrants are to be sold separately or with other securities as parts of units; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any additional terms of the warrants, including terms, procedures and limitations relating to the exchange and exercise of
the warrants.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_016"></A><B>Description of Purchase Contracts</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may issue purchase contracts, including
purchase contracts issued as part of a unit with one or more other securities, for the purchase or sale of our debt securities,
preferred stock, depositary shares or common stock. The price of our debt securities or price per share of common stock, preferred
stock or depositary shares, as applicable, may be fixed at the time the purchase contracts are issued or may be determined by reference
to a specific formula contained in the purchase contracts. We may issue purchase contracts in such amounts and in as many distinct
series as we wish.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>


<!-- Field: Page; Sequence: 40; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&#9;The applicable prospectus supplement may
contain, where applicable, the following information about the purchase contracts issued under it:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts obligate the holder to purchase or sell, or both, our debt securities, common stock, preferred
stock or depositary shares, as applicable, and the nature and amount of each of those securities, or method of determining those
amounts;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts are to be prepaid or not;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts are to be settled by delivery, or by reference or linkage to the value, performance or level
of our common stock or preferred stock;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any acceleration, cancellation, termination or other provisions relating to the settlement of the purchase contracts;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>United States federal income tax considerations relevant to the purchase contracts; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts will be issued in fully registered global form.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The applicable prospectus supplement will
describe the terms of any purchase contracts. The preceding description and any description of purchase contracts in the applicable
prospectus supplement does not purport to be complete and is subject to and is qualified in its entirety by reference to the purchase
contract agreement and, if applicable, collateral arrangements and depositary arrangements relating to such purchase contracts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="pro_017"></A>Description of Units</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may issue units comprised of two or more
of the other securities described in this prospectus in any combination. Each unit will be issued so that the holder of the unit
is also the holder of each security included in the unit. Thus, the holder of a unit will have the rights and obligations of a
holder of each included security. The unit agreement under which a unit is issued may provide that the securities included in the
unit may not be held or transferred separately, at any time or at any time before a specified date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The applicable prospectus supplement may describe:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation and terms of the units and of the securities comprising the units, including whether and under what circumstances
those securities may be held or transferred separately;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any provisions for the issuance, payment, settlement, transfer or exchange of the units or of the securities comprising the
units;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the terms of the unit agreement governing the units;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>United States federal income tax considerations relevant to the units; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the units will be issued in fully registered or global form.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">The preceding description and any description
of units in the applicable prospectus supplement does not purport to be complete and is subject to and is qualified in its entirety
by reference to the form of unit agreement which will be filed with the SEC in connection with the offering of such units, and,
if applicable, collateral arrangements and depositary arrangements relating to such units.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_018"></A><B>GLOBAL SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise indicated in the applicable
prospectus supplement, securities other than common stock will be issued in the form of one or more global certificates, or &ldquo;global
securities,&rdquo; registered in the name of a depositary or its nominee. Unless otherwise indicated in the applicable prospectus
supplement, the depositary will</P>

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


<!-- Field: Page; Sequence: 41; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">be DTC and the securities will be registered
in the name of Cede &amp; Co. No person that acquires a beneficial interest in those securities will be entitled to receive a certificate
representing that person&rsquo;s interest in the securities except as described herein or in the applicable prospectus supplement.
Unless and until definitive securities are issued under the limited circumstances described below, all references to actions by
holders of securities issued in global form will refer to actions taken by DTC upon instructions from its participants, and all
references to payments and notices to holders will refer to payments and notices to DTC or Cede &amp; Co., as the registered holder
of these securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">DTC is a limited-purpose trust company organized
under the New York Banking Law, a &ldquo;banking organization&rdquo; within the meaning of the New York Banking Law, a member of
the Federal Reserve System, a &ldquo;clearing corporation&rdquo; within the meaning of the New York Uniform Commercial Code, and
a &ldquo;clearing agency&rdquo; registered pursuant to the provisions of Section 17A of the Exchange Act. DTC holds securities
that DTC participants deposit with DTC. DTC also facilitates the settlement among DTC participants of securities transactions,
such as transfers and pledges, in deposited securities through electronic computerized book-entry changes in DTC participants&rsquo;
accounts, thereby eliminating the need for physical movement of certificates. DTC participants include securities brokers and dealers,
banks, trust companies and clearing corporations, and may include other organizations. DTC is a wholly owned subsidiary of the
Depository Trust &amp; Clearing Corporation, or DTCC. DTCC, in turn, is owned by a number of DTC&rsquo;s participants and subsidiaries
of DTCC as well as by the New York Stock Exchange, Inc., the American Stock Exchange, LLC and the Financial Industry Regulatory
Authority, Inc. Indirect access to the DTC system also is available to others such as banks, brokers, dealers and trust companies
that clear through or maintain a custodial relationship with a participant, either directly or indirectly. The rules applicable
to DTC and DTC participants are on file with the SEC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Persons that are not participants or indirect
participants but desire to purchase, sell or otherwise transfer ownership of, or other interests in, securities may do so only
through participants and indirect participants. Under a book-entry format, holders may experience some delay in their receipt of
payments, as such payments will be forwarded by our designated agent to Cede &amp; Co., as nominee for DTC. DTC will forward such
payments to its participants, who will then forward them to indirect participants or holders. Holders will not be recognized by
the relevant registrar, transfer agent, trustee or warrant agent as registered holders of the securities entitled to the benefits
of our certificate of incorporation or the applicable indenture, warrant agreement or other applicable security. Beneficial owners
that are not participants will be permitted to exercise their rights only indirectly through and according to the procedures of
participants and, if applicable, indirect participants.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under the rules, regulations and procedures
creating and affecting DTC and its operations as currently in effect, DTC will be required to make book-entry transfers of securities
among participants and to receive and transmit payments to participants. DTC rules require participants and indirect participants
with which beneficial securities owners have accounts to make book-entry transfers and receive and transmit payments on behalf
of their respective account holders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Because DTC can act only on behalf of participants,
who in turn act only on behalf of participants or indirect participants, and certain banks, trust companies and other persons approved
by it, the ability of a beneficial owner of securities issued in global form to pledge such securities to persons or entities that
do not participate in the DTC system may be limited due to the unavailability of physical certificates for these securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">DTC will take any action permitted to be taken
by a registered holder of any securities under our certificate of incorporation or the relevant indenture, warrant agreement, or
other applicable security only at the direction of one or more participants to whose accounts with DTC such securities are credited.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise indicated in the applicable
prospectus supplement, a global security will be exchangeable for the relevant definitive securities registered in the names of
persons other than DTC or its nominee only if:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.1pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD>DTC notifies us that it is unwilling or unable to continue as depositary for that global security or if DTC ceases to be a
clearing agency registered under the Exchange Act when DTC is required to be so registered;</TD></TR></TABLE>

<P STYLE="font: 10pt Wingdings; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.1pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD>we execute and deliver to the relevant registrar, transfer agent, trustee and/or warrant agent an order complying with the
requirements of the applicable indenture, warrant agreement, or other security that the global security will be exchangeable for
definitive securities in registered form; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>


<!-- Field: Page; Sequence: 42; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.1pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD>there has occurred and is continuing a default in the payment of any amount due in respect of the securities or, in the case
of debt securities, an event of default or an event that, with the giving of notice or lapse of time, or both, would constitute
an event of default with respect to these debt securities.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Any global security that is exchangeable under
the preceding sentence will be exchangeable for securities registered in such names as DTC directs.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Upon the occurrence of any event described in
the preceding paragraph, DTC is generally required to notify all participants of the availability of definitive securities. Upon
DTC surrendering the global security representing the securities and delivery of instructions for re-registration, the registrar,
transfer agent, trustee or warrant agent, as the case may be, will reissue the securities as definitive securities, and then such
persons will recognize the holders of such definitive securities as registered holders of securities entitled to the benefits of
our certificate of incorporation or the relevant indenture, warrant agreement or other security.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Redemption notices will be sent to Cede &amp;
Co. as the registered holder of the global securities. If less than all of a series of securities are being redeemed, DTC will
determine the amount of the interest of each direct participant to be redeemed in accordance with its then current procedures.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except as described above, the global security
may not be transferred except as a whole by DTC to a nominee of DTC or by a nominee of DTC to DTC or another nominee of DTC or
to a successor depositary we appoint. Except as described above, DTC may not sell, assign, transfer or otherwise convey any beneficial
interest in a global security evidencing all or part of any securities unless the beneficial interest is in an amount equal to
an authorized denomination for these securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The information in this section concerning DTC
and DTC&rsquo;s book-entry system has been obtained from sources that we believe to be accurate, but we assume no responsibility
for the accuracy thereof. None of us, any trustees, any registrar and transfer agent or any warrant agent, or any agent of any
of them, will have any responsibility or liability for any aspect of DTC&rsquo;s or any participant&rsquo;s records relating to,
or for payments made on account of, beneficial interests in a global security, or for maintaining, supervising or reviewing any
records relating to such beneficial interests.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Secondary trading in notes and debentures of
corporate issuers is generally settled in clearing-house or next-day funds. In contrast, beneficial interests in a global security,
in some cases, may trade in the DTC&rsquo;s same-day funds settlement system, in which secondary market trading activity in those
beneficial interests would be required by DTC to settle in immediately available funds. There is no assurance as to the effect,
if any, that settlement in immediately available funds would have on trading activity in such beneficial interests. Also, settlement
for purchases of beneficial interests in a global security upon the original issuance of the security may be required to be made
in immediately available funds.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="pro_019"></A>PLAN OF DISTRIBUTION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 2.25pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may sell our securities through underwriters
or dealers, directly to purchasers, through agents, or through any combination thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">Each time that we use this prospectus to sell
our securities, we will also provide a prospectus supplement that contains the specific terms of the offering. The prospectus supplement
will set forth the terms of the offering of such stock, including:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.1pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the name or names of any underwriters, dealers or agents and the type
and amounts of securities underwritten or purchased by each of them; </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.1pt"></TD><TD STYLE="width: 19.95pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the public offering price of the securities and the proceeds to us
and any discounts, commissions or concessions allowed or reallowed or paid to dealers; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt; text-indent: -19.95pt">&nbsp;</P>


<!-- Field: Page; Sequence: 43; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt; font-size: 10pt"><A HREF="#TableOfContents">Table of Contents</A>&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Wingdings; margin: 0 0 0 37.45pt; text-indent: -20.15pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.3pt"></TD><TD STYLE="width: 20.15pt"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">any public offering price and any discounts or concessions allowed
or reallowed or paid to dealers may be changed from time to time.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">If underwriters are used in the sale of any
securities, the securities will be acquired by the underwriters for their own account and may be resold from time to time in one
or more transactions, including negotiated transactions, at a fixed public offering price or at varying prices determined at the
time of sale. The securities may be either offered to the public through underwriting syndicates represented by managing underwriters,
or directly by underwriters. Generally, the underwriters&rsquo; obligations to purchase the securities will be subject to certain
conditions precedent. The underwriters will be obligated to purchase all of the securities if they purchase any of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">We may sell the securities through agents from
time to time. The prospectus supplement will name any agent involved in the offer or sale of our securities and any commissions
we pay to them. Generally, any agent will be acting on a best efforts basis for the period of its appointment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">We may authorize underwriters, dealers or agents
to solicit offers by certain purchasers to purchase our securities at the public offering price set forth in the prospectus supplement
pursuant to delayed delivery contracts providing for payment and delivery on a specified date in the future. The contracts will
be subject only to those conditions set forth in the prospectus supplement, and the prospectus supplement will set forth any commissions
or discounts we pay for solicitation of these contracts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">Agents and underwriters may be entitled to
indemnification by us against certain civil liabilities, including liabilities under the Securities Act of 1933, as amended, or
to contribution with respect to payments which the agents or underwriters may be required to make in respect thereof. Agents and
underwriters may be customers of, engage in transactions with, or perform services for us in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">We may enter into derivative transactions with
third parties, or sell securities not covered by this prospectus to third parties in privately negotiated transactions. If the
applicable prospectus supplement indicates in connection with those derivatives then the third parties may sell securities covered
by this prospectus and the applicable prospectus supplement, including in short sale transactions. If so, the third party may use
securities pledged by us or borrowed from us or others to settle those sales or to close out any related open borrowings of stock,
and may use securities received from us in settlement of those derivatives to close out any related open borrowings of securities.
The third party in such sale transactions will be an underwriter and will be identified in the applicable prospectus supplement
(or a post-effective amendment).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 28.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="pro_020"></A>LEGAL OPINIONS </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The validity of the securities offered hereby
will be passed upon for us by Luse Gorman, PC, Washington, D.C.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="pro_021"></A><B>EXPERTS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt">The consolidated financial statements of Bridge
Bancorp, Inc. as of December 31, 2015 and 2014, and for each of the three years in the period ended December 31, 2015, and the
effectiveness of Bridge Bancorp, Inc.&rsquo;s internal control over financial reporting as of December 31, 2015, have been audited
by Crowe Horwath LLP, an independent registered public accounting firm, as set forth in their report appearing in our Annual Report
on Form 10-K for the fiscal year ended December 31, 2015 and incorporated herein by reference. Such consolidated financial statements
have been so incorporated in reliance upon the report of such firm given upon their authority as experts in accounting and auditing.</P>

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


<!-- Field: Page; Sequence: 44 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->






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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><IMG SRC="t1602879_424b5logo1.jpg" ALT="" STYLE="height: 98.34px; width: 330px"></P>

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

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

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

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>(to the Prospectus dated
April 22, 2016)</B></P>

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

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

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 52%; text-indent: 16pt"><FONT STYLE="font-size: 10pt"><B>SANDLER O&rsquo;NEILL + PARTNERS, L.P.</B></FONT></TD>
    <TD STYLE="width: 48%; text-align: right; text-indent: 16pt"><FONT STYLE="font-size: 10pt"><B>KEEFE, BRUYETTE &amp; WOODS, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 16pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 16pt"><FONT STYLE="font-size: 10pt"><B>A STIFEL COMPANY</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">November&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , 2016</P>

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


<!-- Field: Page; Sequence: 45; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>t1602879_424b5logo1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 t1602879_424b5logo1.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[  11'5C:WD  0 $    9   _^X #D%D
M;V)E &3      ?_; (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$"
M @(! @(# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P,# P,# P,#_\  $0@!*@/H P$1  (1 0,1 ?_$ .4  0 " P$! 0$! 0
M       *"P<("08%! ," 0$!  $$ P$               0" P<( 08)!1
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M & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
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MY'GC*MN1:1XI;(>%:H"WV*_;RVK)&0<*%2%"(VJP:LFD<DF/4ZBM@802!"B
M%54-URU*U);MJ,[Z5YZ:1SYQPV:N66X]TV76I66W[6\DDNUW(VUVL[WQDG&S
M4<QF(:08RT3*-&[^-E(QVW?QTBQ=)%6:O6+UJHJV=M'*)P.FHF8Q#E$! 1 <
MMF:+=RW>MJ[:DI6I)-----/<TUL:?0T?NP5C & , 8 P!@# & , 8 P!@# &
M , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
MP!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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MQVJ/:H6XM^C=G3O0<6DG*7$DHRGH9'-S1@# & , 8 P!@# & , 8 P!@# &
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M@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# &
M, 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@' #R[>;FA
M\&V$KH[0RD'LGE9),%$W8&4;RM+TB@Z3422E+N#=Q_O.[CU!5A7_ &=A>CB0
M,DB*#=]<A;XMKW&%.9_-W!:/A+)\FX,1J24=NYV\/7IN4>VYTQM?Z4Z+AC.
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M@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# &
M, 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P
M!@# & , 8 P!@# & , 8 P!@# & , 8 P!@$;GS5^:N+XD1<[QAXPSK"9Y/S
M+ S.Y7)F9O(Q>@XN1;@("(""S1]M-\T6 [-F<#)Q29BNG11,*""MVW;XMKW&
M!>;7-JWIFW/3VGIQGJ&<:7+BHUADU]1WFN['=!>E+;1.!;*RLI/2DE.3DD_F
M9J9?O)68F)5XXD925E)%PH\D)*2D'BBSM\_?.UCJK+*G,HJH83&$3"(Y(-,;
MERY>N2O7I2G=G)N4FVVVW5MM[6V]K;VMGS\% P!@# & , 8 P!@# ,BZCU/L
M#>NS*1I_5=;?6[86P[ QK-5K\>4OK/I)^?H!UEE!*W8QS%N4[AVZ6,1NT:I*
M++'(DF<P&TE5[B=EF68[.<PLY7EMMW<=?FH0BNEOZR26V3>R*3;:2;+.#QM<
M M>^/#CE!ZBK!F<[?)KW2R;DV(DW%)Q>;XHT*DZ4:G623=H52 *8S2':G !1
M:@*AP%PNX.I$E)R=>@]!] Z*P.ALAAE>'I/&SI._=IMN7*;:=*A'NP70MK]*
M4F^@>4G=A@'-_P GOD0H?CIXZRFR)4L=8-KVPKZN:1UTZ7.4]KN(-R">4E4F
MYTW:5,J";E-Y*K%,D)R>FU34(X=(#E4(N3IT'0^8>N<%H7(I8^YPSS*[6.'M
M/V<Z;W3;X<*J4WLZ(IJ4D>1\*VSK[NCQK<?MK;1M$I<]@WV=Y"62UV:86]9]
M*RK_ )-[E.JH(%*1!JT;I@5%LV1(FV:-DTT42$23(0O-Q)2:6XB\ILPQN;:
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M , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
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MTT$C',!0$0(41'V .#ARBFDVJO=V^0_M@Y& , 8 P!@# & , 8 P!@# & ,
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M?&44FEL3E5N2RSGI(^L^I=1I-'BO6 51<"G%S@;"> D<#$ @"\ZE[3"(F[@
MEAWGT(VFPGJWY)"W3'9EBKE[KMPMVUV[)>*_];_[>VGOA7^&SCWC\%^07)J'
M[D2E:_/SW5ED]%P'^FJX^;]<57WE$W^1,OI&#_\ S'./&EU(F7O5RTK*OQ?'
M9A#9LXG9GM[:6H5\FSRFJNP/AR>:6CFQY_A7SND9%]&-U7+"MR<C?= SZ9D0
M7,G'0=DI5JN$.\?./>%?3.Y+#MP.L)3G(43*#4KL7WD=;QO(C5F3Q\;26<RE
M.*JH-W,-+R1E;G.+;JZ5X%MVM;S1!SY.?-GXR-@L];\E)2US_H$%5I4^3, U
MV-!6QBV.+=62K6WH1^WLEK9IGZD,ZC;.Z;%6#HH G*)<JX+<U5'39<PN;?+[
M'+ 9_*[.FZ&+BKL9I;*POQ:G-=L+S5=^TD1^/7S^\8>8\Q":MVNQ)QIWG-.4
M(R"@[/.IRFN+U*+]4VS&I7]5E$HQ\Y(+% J,9+(,U%EE4V[1=ZN<"Y:E;<=J
MVHSGH?G7I[55V&79DOT?G$VE&,Y5M7&]RA<I&DGT0FHMMJ,7-L[X9;,T# &
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M+D4WS& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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MWB;V=/E%JNKT:GPO5ZS.]A=8WLM3?Q;%8.55T<=J490D_)%W$OOB?%D8W1&
M59/E&110\C7-LB"22)#<F-NK&(DF5,HK.;A)N'"HE(  *J[A4RAS?=.<PF'J
M(B.3(=U>0\Y^8B4==YNHI)?I"]]>;;^J]I/=\('U5W$#^IUR_2M?LC7.^S=#
ME#\W&5_FI^_7#JSE!D@Y>>87B%5N8'!+=%<D(MLM?M7U2?W%J.<](GSE$72A
M0SV;4BFCD>@D9W>$:.89TF<11[7A%A+ZJ")R5PEPR[#'?-+2^&U1HW%V)Q3Q
MN'M2OV9=,;EN+E1/JN13@^CTD]\4U6@TJY6;75QJE_I<N[K]PI%CA+;59U@<
M$WL-8J[)-I>&E&IQ Q0<,9%HFJ3J AU+[0$,E;]AH!A,5B,#BK6-PDG#%6;D
M9PDM\91:E%KM329;1<>]GEW=H+1^Z"MR-"[=U!K39Y6B9%$TVI;]2X6U@W3(
ML(JD(B$MV@!OE  >WVY#:HVCTOR/,?TODN#S:E/C6%M7J=7B6XSI_K&7\X/J
M&F7D::MGGCYYRHND$G"1.(7)!T5-4@'*5RQT]<'S-< -U %6SQNFH0?NE.0!
M#VAE4>\O*=4UW&,]$9PI)-?HO%/SJQ-KZC52L'X[_M :+_/%K+\M83);W'GG
MD?Z[P?RJU[Y$MQ<A'IN, Y,^<^.:2GBFY=MGA#*(I5O74B0I3G3$'</NC6TL
MP/W$$HB5)\R3,)?N& .@]0$0RNWWT8TYPVXW.6^:1GN\.T_/&_:DOKI$&#P_
MHHK^33AB1=))8A=SPRQ2*IE4*"S:/DW#=4"G 0!5!PD4Y#?=*<H&#H( .2)]
MQFGG*]*7,'*4U5?&X_63:^HRT%R(>APP!@&">1W&C2?++5D]IO?=#B+[1YY(
M1]V?I>E*04F5,Y&=BJLVAV2=;L<<*@B@\:*)JE*8R9A,D=1,_*;BZH^-GVG\
MHU+EL\JSJS&]@YK<]\7T2A+?"2Z)1:?1N;3K:/)UX\+UXY>1#S5\R]>6K6=K
M;.;/IC8SAHFU&W5(JZ:3IA*)M^K1O;JD[7(TDTD^PIQ,BZ(1-%TB4)4)<2KT
MFA',+0V,T)GKRZZW<R^ZG.Q=:IQPKM3IL4X/T9I=DDDI(D@?#\^7.R;6>1W!
M;DU:G]AO;2,?NN/VS;)(JOYBV14,T4?R>J[/)O#*/)"?@XILL\AGJZBAW+!!
M9HH<JC=H5Q:N0IZ2W&>>27,Z_F4XZ.U!<E/&*+>&NR=93455V9M[7*,4Y6Y.
MM8IQ;K&/%+-RR;+F&.0^_-;\7M*[$WWMN7-"T#6E?7GIQRBF5=\\4%9%C$P<
M.U,=(KR=L<T[;L&*(G(55VY3*)BE$3!RDVZ(^3GF=8#3N4W\ZS.7!@L/#BD^
ME]$8Q73*4FHQ73)I;"M8Y1<GN2OEKYB5Y9XB^D[!L*YQ^M]"ZC:/CJUO7D+9
M9M!C"5Y@<$4&Q5#G43<3DRJDF=R=,[A84T$4DT944H1-!=1:AS_F9JF#FG*_
M?NJUAK*?HVHSE2,5N74[EQI5HY.D4DK!CQW^/[4/CST-$:LU\Q9REWEVT;*;
M@V@HT!.=V1=$6HD</%E5!.X85>(5761AXPI_18MC&,/>Y6=.%XTI.3J]QNYH
M;1.5Z'R:.6X%*6,DD[]ZGI7;E-KZU"-6H0W177)RD]]LI.Z# & ?Q<MF[QNN
MT=H(NFCI%5LY;.4B+MW+=<ADED%T52F36163,)3%, E,41 0Z8.)1C.+C))Q
M:HT]S74R(%Q4XXQ?C[^(N?:8I\4:&U;R#U)LVS:F8)HG]UCZ79ZO)['<P3($
M4#)-HNJW+5,M%- 4,7HU9(@8XJ& #7I/BM5Z4:O:;R&WHCGJ\IPL>#+L=A;L
M[*Z%;G!W7%=2A<LSA&O1%;:DP/+)M$, JG/(C]8#SH_C%Y-_IKNV3(]U>0\W
M=<_OMG'^*XOW^X6'?AZ^K(X9_F=C?Z6E\C3[[-Y.5OS?95\E7\Z1THR@[\,
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MK%^\7"K_ .._[0&B_P \6LORUA,EO<>>.1_KO!_*K7OD2W%R$>FXP#E-YO\
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M;V=YI+BQ-Z6Q+NPBMD;<%T1BMBZ7MDVY-MZYYR?"& , LGO -]4GQ._]=O\
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M#H'3+#WFV^2VG8R?"6&DG##6HT6Y4A%;.PRQG!],8 P!@# & , 8 P!@# &
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MP?4& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# &
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M0<*.WKM<_0.Y9RY6,<P_Y3&')AYHW+D[UR5ZZW*[.3;;WMMU;?E9\_!0, 8
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MHP!@# (0_P 21Y&H/:]N@^#&G[ E*U35-C/9]\3<4[]6/E=H1Z;J-A-=D50
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M<<UPU.WCB_J.*?UA(^97Q@Q;0[QSS)U4JBF)"F)'!:)=V(J' A>QA$UUZ^5
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MVV_JRI<LFQPP!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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M(K9:NV?&GPVMJ[D[Q=IIF&H+ARJ9)155QJ9]):J7%91$YP56!6EB!S'$53&
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M?](Q0Z)F$F4NY-])]W \F.7.!:FL!XUQ=-V[=G]6+FH/^3];8=/=7Z9U%I&
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M , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
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M:<GW9TCJE9Q$-!242^.LDDD=50W\H4B)#',!2E,8'A16UO81\/ZP6K<SQ-O
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M,926V+P[78_C5E?8;1B#X;-JV;^,V!600225?;JVRZ>*)D IW+DCR'9%76,
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MW-Y*<M_\O8%:HSFW3.\3#\%&2VV+,EU/=<N+O=,84CL<IHDKY:,_# & , 8
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MFVG)#/\ ]-Z$L8:[*N*P$Y8>77PQI*T_(K<HP7;!G</+9E\8!%-^*O\ V?\
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MZO\ [?X\&78/I&Z7_L./_J?A!]JAX??N\<E/]3J_^W^/!EV#Z1NE_P"PX_\
MJ?A!]JAX??N\<E/]3J_^W^/!EV#Z1NE_[#C_ .I^$'VJ'A]^[QR4_P!3J_\
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M<CQ1V;T=.Y,ZPM:4U;&UCI\&58Z*LW&W2,95K:N/LC*L6VZ1C.4N@L=,BF^
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MF-_2.M<XNXG$2[RM\4IR2W+QKS;270O"=.BA(\XN</N.?#+7R>M>.>L8/7T
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M/(1_W65YBA1_CL_N'95EU!S/]X4YL_W(]HC;%[T1"(^949SWN#/$A'KBM_\
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M\9+9-;51II;HY2=L& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
M& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
M P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8!&HYJ
M^;YAM1O,\4O%95KMR;Y&;!8R-7)LFE56?"HZW:/A+%R=CKJKUG'O9^7C47!S
M(2QRM:Y&&%-ZH\<I)F1-=C;IMGL1@'5O-Z&91GIOEQ;O9AGU].'BVX2X+2>Q
MSC5)RDJ[)[+4-DW.25'LIX7/$]_V\M>6'86V'47/<H-OQ;%E<W$6JE(1.MZB
M@Z)*(:Y@I@O=\[NW<FFB[G'J8@V=/&S=) %$F9'+CBY/B=%N/O\ *?EK_D;
MSQV9.,]18J*5RFV-J%:JU&7LFW25R2V.2BE514I=P\MF7Q@# & , 8 P!@#
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M & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
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M36U4::6Z.4G;!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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M & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
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M , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
MP!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & <>_)MX<N/
M_D/A7EP0*VU)R6C(P&];W%"1R:C>QE9HB1A7MJ0C<4 MD'V%*DB]*8DM&E*3
MT5E&Y#LEZX3<?(8MY@\K,DUS:>*C3"Z@C&D+\5LE3=&]%=^/0I;)PV4;BG!P
M#N7W"/D?P;V.MK7D+07E:=KG='K%NCP7DZ!?8YJH4AY:DVL&S=I+MBE4(95
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M4DMA,X/N# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
MP!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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M & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
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M6,'!4C"W%0BO(HI+RO>^D]O@F# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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M & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
M8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@
M# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
M 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!
M@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@'__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>t1602879_base.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 t1602879_base.jpg
M_]C_X  02D9)1@ ! @  9 !D  #_[ !?1'5C:WD  0 $    9  " $H    C
M $, ; !I &4 ;@!T ', +P Q #  -0 W "\ ,  P #( -@ W #$ -  P "X
M1 !/ $, 6  O "  +P!F &\ ;@!T #T .   _^X #D%D;V)E &3      ?_;
M (0  0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0(" @(" @(" @(" P,# P,# P,# P$! 0$! 0$" 0$" @(! @(# P,# P,#
M P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#_\
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MY!,Y?:FJV(/4!Z<O%C4K%#M* =1,/0.IC")C''[)C&-]8QC#[1$?:(\W1^N
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M'""R0F36162.!B&*(E,40$!$!Y!AO^85[?U,>_/< B7\4L+W  ]!$/QE4;J
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M'\'.GJ'[?A7YPG\9^[?]CUO;TZ=>:(HI%?!??$O?OP;]VZ_7^+?A][ET]O\
MCOP=_C7MZ?Y/V_N].!E#U'_-Q^.Q'Q/]3[\;]Z1]V_/*_6K_ (/^OZH=OQ3\
M$?\ P^[._IU]Z_>_7[KZO7F7UVK9<>,'W?\ -CK_ +I^8+[KT;>[_JZ?B?XA
MO2]V^IZ?QO\ CCXIV_=>\_?NG7O^MUY>.:&18OV?N?\ T?VQ^GF8_7 <!P'
B<!P' <!P' <!P' <!P' <!P' <!P' <!P' <!P' <#__V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
