<SEC-DOCUMENT>0001104659-24-075759.txt : 20240627
<SEC-HEADER>0001104659-24-075759.hdr.sgml : 20240627
<ACCEPTANCE-DATETIME>20240627172539
ACCESSION NUMBER:		0001104659-24-075759
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20240627
DATE AS OF CHANGE:		20240627

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Dime Community Bancshares, Inc. /NY/
		CENTRAL INDEX KEY:			0000846617
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				112934195
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-264390
		FILM NUMBER:		241080533

	BUSINESS ADDRESS:	
		STREET 1:		898 VETERANS MEMORIAL HIGHWAY
		STREET 2:		SUITE 560
		CITY:			HAUPPAUGE
		STATE:			NY
		ZIP:			11788
		BUSINESS PHONE:		6315371000

	MAIL ADDRESS:	
		STREET 1:		898 VETERANS MEMORIAL HIGHWAY
		STREET 2:		SUITE 560
		CITY:			HAUPPAUGE
		STATE:			NY
		ZIP:			11788

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BRIDGE BANCORP, INC.
		DATE OF NAME CHANGE:	20190819

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BRIDGE BANCORP INC
		DATE OF NAME CHANGE:	19940715
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>tm2417725d3_424b5.htm
<DESCRIPTION>424B5
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="text-align: right; margin: 0"><B>Filed Pursuant to Rule&nbsp;424(b)(5)<BR>
Registration No.&nbsp;333-264390</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B> PROSPECTUS SUPPLEMENT<BR>
(To Prospectus dated April&nbsp;20, 2022)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$65,000,000</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2417725d1_424b5sp1img002.jpg" ALT="" STYLE="height: 193px; width: 550px">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>9.000%
Fixed-to-Floating Rate Subordinated Notes due 2034</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are offering
$65,000,000 (2,600,000 units of $25 each) aggregate
principal amount
of 9.000%
fixed-to-floating rate subordinated notes due 2034 (the &ldquo;Notes&rdquo;) pursuant to this prospectus supplement and the
accompanying prospectus. The Notes will mature
on July 15,
2034 (the &ldquo;Maturity Date&rdquo;). From and including the date of original issuance to, but
excluding, July 15,
2029 or the date of earlier redemption (the &ldquo;fixed rate period&rdquo;), the Notes will bear interest at an initial rate
of 9.000%
per annum, payable quarterly in arrears
on January 15, April 15, July 15, and October 15 of each year, commencing
on October 15,
2024. The last interest payment date for the fixed rate period will
be July 15,
2029. From and
including July 15,
2029 to, but excluding, the Maturity Date or the date of earlier redemption (the &ldquo;floating rate period&rdquo;), the Notes will
bear interest at a floating rate per annum equal to the Benchmark rate (which is expected to be Three-Month Term SOFR, as defined
below), each as defined and subject to the provisions described under &ldquo;Description of the
Notes&thinsp;&mdash;&thinsp;Interest&rdquo; in this prospectus supplement,
plus 495.1 basis
points, payable quarterly in arrears
on January 15, April 15, July 15, and October 15 of
each year, commencing
on October 15,
2029. Notwithstanding the foregoing, if the Benchmark rate is less than zero, the Benchmark rate will be deemed to be zero.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We may, at our option, beginning with the interest
payment date of July 15,
2029 and on any interest payment date thereafter, redeem the Notes, in whole or in part. The Notes will not otherwise be redeemable by
us prior to maturity, unless certain events occur, as described under &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Redemption&rdquo;
in this prospectus supplement. The redemption price for any redemption is 100% of the principal amount of the Notes being redeemed, plus
accrued and unpaid interest thereon to, but excluding, the date of redemption. Any redemption of the Notes will be subject to the receipt
of the approval of the Board of Governors of the Federal Reserve System (the &ldquo;Federal Reserve&rdquo;) to the extent then required
under applicable laws or regulations, including capital regulations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Notes will be unsecured subordinated obligations,
will rank <I>pari passu</I>, or equally, with all of our existing and future unsecured subordinated debt, will be senior to all of our
existing and future junior subordinated debt and will be junior to all of our existing and future senior debt. The Notes will be structurally
subordinated to all existing and future liabilities of our subsidiaries and will be effectively subordinated to our existing and future
secured indebtedness, to the extent of the value of the collateral securing such indebtedness. There will be no sinking fund for the
Notes. The Notes will be obligations of Dime Community Bancshares,&nbsp;Inc. (&ldquo;DCOM&rdquo;) only and will not be obligations of,
and will not be guaranteed by, any of DCOM&rsquo;s subsidiaries. For a more detailed description of the Notes, see &ldquo;Description
of the Notes.&rdquo; </P>

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



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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Notes will be issued only in registered
book-entry form, in minimum denominations of $25 and integral multiples of $25 in excess thereof (or in units, each unit
representing $25 principal amount of the Notes). We intend to list the Notes on the Nasdaq Stock Market&reg; (&ldquo;Nasdaq&rdquo;) within 30 days of the
original issue date under the trading symbol &ldquo;DCOMG.&rdquo; The Notes are expected to trade &ldquo;flat,&rdquo; which means
that purchasers will not pay, and sellers will not receive, any accrued and unpaid interest on the Notes that is not reflected in
the trading price. Currently, there is no public market for the Notes and there can be no assurance that one will develop.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Notes are not deposits and are not insured
by the Federal Deposit Insurance Corporation (the &ldquo;FDIC&rdquo;) or any other governmental agency. The Notes are ineligible as collateral
for a loan or extension of credit from DCOM or any of its subsidiaries. None of the U.S. Securities and Exchange Commission (the &ldquo;SEC&rdquo;),
the FDIC, the Federal Reserve, the New York Department of Financial Services (the &ldquo;NYDFS&rdquo;) or any other bank regulatory agency
or any state securities commission has approved or disapproved of the Notes 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: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Investing in the Notes involves risks. See
 &ldquo;Risk Factors&rdquo; beginning on page&nbsp;S-12 of this prospectus supplement and those risk factors in the documents incorporated
by reference in this prospectus supplement and the accompanying prospectus.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Per Note</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total<SUP>(3)</SUP></TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public
    offering price<SUP>(1)</SUP></FONT></TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">100.00</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">65,000,000</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting
    discount<SUP>(2)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.00</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,950,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Proceeds, before expenses, to us</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">97.00</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">63,050,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(1)</SUP></FONT>&nbsp;Plus
accrued interest, if any, from the original issue date.<BR>
<SUP>(2)</SUP>&nbsp;See &ldquo;Underwriting&rdquo; in this prospectus supplement for details regarding the underwriters&rsquo; compensation.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>(3)</SUP> We have granted the underwriters
an option to purchase up to an additional $9,750,000 (390,000 units of $25 each) aggregate
principal amount of the Notes, solely to cover overallotments, if any, within 30 days from the date of this prospectus supplement. If
the underwriters exercise this option in full, the total public offering price will be $74,750,000,
the total underwriting discounts and commissions paid by us will be $2,242,500, and total proceeds, before expenses, to us will be $72,507,500.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The underwriters expect to deliver the Notes
to purchasers in book-entry form through the facilities of The Depository Trust Company, against payment on or about June 28,
2024. See &ldquo;Underwriting&rdquo; in this prospectus supplement for details.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Joint Book-Running
  Managers</I></FONT></TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 5%"><FONT STYLE="font-size: 14pt">&nbsp;</FONT></TD>
  <TD STYLE="width: 30%"><FONT STYLE="font-size: 14pt"><B>Raymond James</B></FONT></TD>
  <TD STYLE="text-align: center; width: 30%"><FONT STYLE="font-size: 14pt">&nbsp;</FONT></TD>
  <TD STYLE="text-align: right; width: 30%"><FONT STYLE="font-size: 14pt"><B>Keefe, Bruyette&nbsp;&amp; Woods</B></FONT></TD>
  <TD STYLE="width: 5%"><FONT STYLE="font-size: 14pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD STYLE="text-align: right"><FONT STYLE="font-size: 12pt"><I>A Stifel Company</I></FONT></TD>
  <TD>&nbsp;</TD></TR>
</TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 33%">&nbsp;</TD>
  <TD STYLE="text-align: center; width: 34%"><I>Co-Managers</I></TD>
  <TD STYLE="width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="text-align: center"><FONT STYLE="font-size: 14pt"><B>D.A. Davidson &amp; Co.</B></FONT></TD>
  <TD><FONT STYLE="font-size: 14pt"><B>&nbsp;</B></FONT></TD>
  <TD STYLE="text-align: center"><FONT STYLE="font-size: 14pt"><B>Piper Sandler</B></FONT></TD></TR>
</TABLE>

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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
date of this prospectus supplement is </FONT><FONT STYLE="font-size: 9pt"> June 26</FONT>,
2024.</P>

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; width: 91%; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_001">ABOUT THIS PROSPECTUS SUPPLEMENT</A></TD><TD STYLE="padding-bottom: 5pt; width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; width: 7%; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_001">S-1</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_002">EXTENDED SETTLEMENT</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_002">S-1</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_003">WHERE YOU CAN FIND MORE INFORMATION</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_003">S-2</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_004">INCORPORATION OF CERTAIN DOCUMENTS BY
    REFERENCE</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_004">S-2</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_005">CAUTIONARY NOTE CONCERNING FORWARD-LOOKING
    STATEMENTS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_005">S-4</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_006">PROSPECTUS SUPPLEMENT SUMMARY</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_006">S-6</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#aa_007">THE OFFERING</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#aa_007">S-8</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#pp_001">RISK FACTORS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#pp_001">S-12</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#pp_002">USE OF PROCEEDS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#pp_002">S-20</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#pp_003">CAPITALIZATION</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#pp_003">S-21</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#pp_004">DESCRIPTION OF THE NOTES</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#pp_004">S-22</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#C-1">CERTAIN ERISA CONSIDERATIONS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#C-1">S-40</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#C-2">MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#C-2">S-42</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#C-3">UNDERWRITING</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#C-3">S-46</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#C-4">LEGAL MATTERS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#C-4">S-48</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif"><A HREF="#C-5">EXPERTS</A></TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 5pt; font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#C-5">S-48</A></TD></TR>
  </TABLE>


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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top; width: 94%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center; width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Page</U></FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT
    THIS PROSPECTUS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE
    YOU CAN FIND MORE INFORMATION&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INCORPORATION
    OF CERTAIN DOCUMENTS BY REFERENCE</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAUTIONARY
    NOTE REGARDING FORWARD-LOOKING STATEMENTS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK
    FACTORS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OUR
    COMPANY</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE
    OF PROCEEDS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION
    OF SECURITIES&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt"><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Debt
    Securities&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; text-align: right"><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common
    Stock&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt"><A HREF="#a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preferred
    Stock&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; text-align: right"><A HREF="#a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt"><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depositary
    Shares&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; text-align: right"><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Warrants&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    Contracts&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Units&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subscription
    Rights&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt"><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GLOBAL
    SECURITIES&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; text-align: right"><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PLAN
    OF DISTRIBUTION&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL
    OPINIONS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPERTS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right"><A HREF="#a_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></A></TD></TR>
  </TABLE><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_001"></A>ABOUT THIS PROSPECTUS
SUPPLEMENT</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Unless the context indicates
otherwise, the terms &ldquo;DCOM,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;our&rdquo; and &ldquo;us&rdquo; in this
prospectus supplement and the accompanying prospectus refer to Dime Community Bancshares,&nbsp;Inc. and its subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">References to the &ldquo;Bank&rdquo;
refer to Dime Community Bank. References to a particular year mean our fiscal year commencing on January&nbsp;1 and ending on December&nbsp;31
of that year.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This prospectus supplement
and the accompanying prospectus are part of a shelf registration statement on Form&nbsp;S-3 that we filed with the SEC. The registration
statement incorporates by reference important business and financial information about us that is not included in or delivered with this
document. This information, other than exhibits to documents that are not specifically incorporated by reference into this prospectus
supplement or the accompanying prospectus, is available to you via the SEC&rsquo;s website at www.sec.gov or without charge upon written
or oral request to DCOM at the address or telephone number indicated in the section entitled &ldquo;Incorporation of Certain Documents
by Reference&rdquo; in this prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This document contains two
parts. The first part is this prospectus supplement, which contains specific information about us and the terms on which we are selling
the Notes and adds to and updates information contained in the accompanying prospectus and the documents incorporated by reference herein.
The second part is the accompanying prospectus dated April&nbsp;20, 2022, which contains and incorporates by reference a more general
description of the securities we may offer from time to time, some of which does not apply to the Notes we are offering, and important
business and financial information about us. If information contained in this prospectus supplement differs or varies from the information
contained 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: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither we nor the underwriters
have authorized anyone to provide you with any information other than that contained or incorporated by reference in this prospectus
supplement, the accompanying prospectus and any &ldquo;free writing prospectus&rdquo; prepared by or on behalf of us or to which we may
have referred you. We take no responsibility for, and can provide no assurance as to the reliability of, any other information that others
may give you. We are not, and the underwriters are not, making an offer to sell the Notes in any jurisdiction where the offer or sale
is not permitted. You should assume that the information appearing in this prospectus supplement, the accompanying prospectus, any free
writing prospectus relating to this prospectus supplement provided or approved by us and the documents incorporated by reference in either
this prospectus supplement or the accompanying prospectus is accurate only as of the respective dates of those documents. Our business,
financial condition, results of operations and prospects may have changed since those dates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Before you invest in the
Notes, you should carefully read the registration statement (including the exhibits thereto) of which this prospectus supplement and
the accompanying prospectus form a part, this prospectus supplement, the accompanying prospectus and the documents incorporated by reference
into this prospectus supplement and the accompanying prospectus. The incorporated documents are described under &ldquo;Incorporation
of Certain Documents by Reference.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_002"></A>EXTENDED SETTLEMENT</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We expect that delivery
of the Notes will be made against payment therefor on or about June 28,
2024, which will be the second business day following the date of pricing of the Notes, or
 &ldquo;T+2.&rdquo;
Under Rule&nbsp;15c6-1 of the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), trades in the secondary
market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise.
Accordingly, purchasers who wish to trade the Notes prior to the delivery of the Notes will be required, by virtue of the fact that
the Notes initially settle in
T+2,
to specify an alternate settlement arrangement at the time of any such trade to prevent a failed settlement. Purchasers of the Notes
who wish to trade the Notes prior to their date of delivery hereunder should consult their advisors.</P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_003"></A>WHERE YOU CAN FIND MORE
INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
file annual, quarterly and current reports, proxy statements and other information with the SEC. Our reports filed electronically with
the SEC are available to the public over the Internet at the SEC&rsquo;s website at <I><U>www.sec.gov</U></I></FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
also maintain an Internet site where you can find additional information about us, including our SEC filings. The address of our Internet
site is <I><U>www.dime.com</U></I></FONT>. All Internet addresses provided in this prospectus supplement or in the accompanying prospectus
are for informational purposes only and are not intended to be hyperlinks. In addition, the information on our Internet website, or any
other Internet site described in this prospectus supplement or in the accompanying prospectus, is not a part of, and is not incorporated
or deemed to be incorporated by reference in, this prospectus supplement or in the accompanying prospectus or other offering materials.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_004"></A>INCORPORATION OF CERTAIN
DOCUMENTS BY REFERENCE</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The SEC allows us to &ldquo;incorporate
by reference&rdquo; much of the information that we file with it, which means that we can disclose important information to you by referring
you to those publicly available documents. The information that we incorporate by reference is an important part of this prospectus supplement
and the accompanying prospectus. Any statement contained in a document incorporated or deemed to be incorporated by reference into this
prospectus supplement or the accompanying prospectus will be deemed to be modified or superseded for purposes of this prospectus supplement
or the accompanying prospectus to the extent that a statement contained in this prospectus supplement or the accompanying prospectus
or any other subsequently filed document that is deemed to be incorporated by reference into this prospectus supplement or the accompanying
prospectus modifies or supersedes the statement. In other words, in the case of a conflict or inconsistency between information contained
in this prospectus supplement and the accompanying prospectus and information incorporated by reference into this prospectus, you should
rely on the information contained in the document that was filed later. Any statement so modified or superseded will not be deemed, except
as so modified or superseded, to constitute a part of this prospectus supplement or the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This prospectus supplement
and the accompanying prospectus incorporate by reference the documents listed below and all documents we subsequently file with the SEC
pursuant to Sections 13(a), 13(c), 14, or 15(d)&nbsp;of the Exchange Act, prior to the termination of the offering of the Notes described
in this prospectus supplement; <I>provided, however</I>, that we are not incorporating by reference any documents, portions of documents
or other information deemed to have been &ldquo;furnished&rdquo; and not &ldquo;filed&rdquo; with the SEC:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000018/dcom-20231231x10k.htm" STYLE="-sec-extract: exhibit">Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2023 (the &ldquo;2023 Form&nbsp;10-K&rdquo;), filed with the SEC on February&nbsp;22, 2024</A>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000114036124019078/ny20018390x1_def14a.htm" STYLE="-sec-extract: exhibit">Definitive Proxy Statement on Schedule 14A, filed with the SEC on April&nbsp;10, 2024</A> (to the extent specifically incorporated by reference in the 2023 Form&nbsp;10-K);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">Quarterly Report on Form&nbsp;10-Q for the quarter ended March&nbsp;31, 2024, filed with the SEC on May&nbsp;2, 2024</A>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">our Current Reports on Form&nbsp;8-K filed with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000022/dcom-20240312x8k.htm" STYLE="-sec-extract: exhibit">March&nbsp;12, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000025/dcom-20240328x8k.htm" STYLE="-sec-extract: exhibit">March&nbsp;28, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000094337424000135/form8k_041524.htm" STYLE="-sec-extract: exhibit">April&nbsp;18, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000034/dcom-20240425x8k.htm" STYLE="-sec-extract: exhibit">April&nbsp;25, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000042/dcom-20240523x8k.htm" STYLE="-sec-extract: exhibit">May&nbsp;23, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000094337424000208/form8k_052324.htm" STYLE="-sec-extract: exhibit">May&nbsp;28, 2024</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000045/dcom-20240620x8k.htm" STYLE="-sec-extract: exhibit">June 20, 2024</A>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">the
                                            description of our common stock set forth in <A HREF="https://www.sec.gov/Archives/edgar/data/846617/000084661724000018/dcom-20231231xex4d1.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;4.1</A> to the 2023 Form&nbsp;10-K,
                                            including any other amendment or reports filed for the purpose of updating such description;
                                            and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">the
                                            description of our preferred stock set forth in our registration statement on <A HREF="https://www.sec.gov/Archives/edgar/data/846617/000110465921009777/tm214437d1_8a12b.htm" STYLE="-sec-extract: exhibit">Form&nbsp;8-A filed with the SEC on February&nbsp;1, 2021</A> and in <A HREF="https://www.sec.gov/Archives/edgar/data/846617/000084661724000018/dcom-20231231xex4d1.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;4.1</A> to the 2023 Form&nbsp;10-K,
                                            including any other amendment or reports filed for the purpose of updating such description.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon request, we will provide
to each person, including any beneficial owner, to whom a copy of this prospectus supplement is delivered, a copy of any or all of the
information that has been incorporated by reference in this prospectus supplement but not delivered with this prospectus supplement (other
than the exhibits to such documents that are not specifically incorporated by reference therein). We will provide this information at
no cost to the requester upon written or oral request to Dime Community Bancshares,&nbsp;Inc., Attention: Corporate Secretary, 898 Veterans
Memorial Highway, Suite&nbsp;560, Hauppauge, New York, 11788; Telephone: (631) 537-1000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">You should rely only on the
information incorporated by reference or set forth in this prospectus supplement and the accompanying prospectus or in any free writing
prospectus prepared by or on behalf of us or to which we have referred you. Neither we nor any underwriters, dealers or agents have authorized
anyone else to provide you with additional or different information.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_005"></A>CAUTIONARY NOTE CONCERNING
FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This prospectus supplement,
the accompanying prospectus and the documents incorporated by reference or deemed incorporated by reference into this prospectus supplement
or the accompanying prospectus and any other written or oral statements made by us from time to time may contain forward-looking statements
within the meaning of the federal securities laws. These statements may be identified by use of words such as &ldquo;annualized,&rdquo;
 &ldquo;anticipate,&rdquo; &ldquo;believe,&rdquo; &ldquo;continue,&rdquo; &ldquo;could,&rdquo; &ldquo;estimate,&rdquo; &ldquo;expect,&rdquo;
 &ldquo;intend,&rdquo; &ldquo;seek,&rdquo; &ldquo;may,&rdquo; &ldquo;outlook,&rdquo; &ldquo;plan,&rdquo; &ldquo;potential,&rdquo; &ldquo;predict,&rdquo;
 &ldquo;project,&rdquo; &ldquo;should,&rdquo; &ldquo;will,&rdquo; &ldquo;would&rdquo; and similar terms and phrases, including references
to assumptions. Examples of forward-looking statements include, but are not limited to, the proposed use of proceeds from this offering,
possible or assumed estimates with respect to the financial condition, expected or anticipated revenue, and results of operations and
our business, including earnings growth; revenue growth in retail banking, lending and other areas; origination volume in the consumer,
commercial and other lending businesses; current and future capital management programs; non-interest income levels, including fees from
the title insurance subsidiary and banking services as well as product sales; tangible capital generation; market share; expense levels;
and other business operations and strategies.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Forward-looking statements
are based upon various assumptions and analyses made by DCOM, in light of management&rsquo;s experience and its perception of historical
trends, current conditions and expected future developments, as well as other factors it believes appropriate under the circumstances.
These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are
beyond the Company&rsquo;s control) that could cause actual conditions or results to differ materially from those expressed or implied
by such forward-looking statements. Accordingly, you should not place undue reliance on such statements. These factors include, without
limitation, the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">increases
                                            in competitive pressure among financial institutions or from non-financial institutions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">inflation
                                            and fluctuation in market interest rates, which may affect demand for our products, interest
                                            margins and the fair value of financial instruments;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">changes
                                            in deposit flows or composition, loan demand or real estate values;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">changes
                                            in the quality and composition of our loan or investment portfolios or unanticipated or significant
                                            increases in loan losses;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">changes
                                            in accounting principles, policies or guidelines;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">changes
                                            in corporate and/or individual income tax laws or policies;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">general
                                            socio-economic conditions or events, including conditions caused by public health emergencies,
                                            international conflict, inflation and recessionary pressures, either nationally or locally
                                            in some or all areas in which the Company conducts business, or conditions or events in the
                                            securities markets or the banking industry;</TD></TR></TABLE>

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">breaches
                                            or failures of the Company&rsquo;s information technology security systems;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">success
                                            or consummation of new business initiatives or the integration of any acquired entities may
                                            be more difficult or expensive than the Company anticipates;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">difficulties
                                            or unanticipated expenses incurred in the consummation of new business initiatives or the
                                            integration of any acquired entities; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">litigation
                                            or matters before regulatory agencies.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">These and other factors are
more fully described under &ldquo;Risk Factors&rdquo; below and in Item 1A of the 2023 Form&nbsp;10-K and other factors discussed in
the filings we make with the SEC under the Exchange Act.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">All forward-looking statements attributable to
our Company are expressly qualified in their entirety by these cautionary statements. Forward-looking statements speak only as of the
date on which such statements are made. Except as required by law, we disclaim any obligation to update these forward-looking statements,
whether as a result of new information, future events or otherwise. There is no assurance that future results, levels of activity, performance
or goals will be achieved.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_006"></A>PROSPECTUS SUPPLEMENT
SUMMARY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>This summary highlights
selected information from this prospectus supplement and does not contain all of the information that you should consider in making your
investment decision. You should read this summary together with the more detailed information appearing elsewhere in this prospectus
supplement, as well as the information in the accompanying prospectus and in the documents incorporated by reference or deemed incorporated
by reference into this prospectus supplement and the accompanying prospectus. You should carefully consider, among other things, the
matters discussed in the section titled &ldquo;Risk Factors&rdquo; in this prospectus supplement, in the <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000018/dcom-20231231x10k.htm" STYLE="-sec-extract: exhibit">2023 Form&nbsp;10-K</A>, our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">Quarterly Report on Form&nbsp;10-Q for the quarter ended March&nbsp;31, 2024</A>, and in other documents that we subsequently file with the SEC. In
addition, certain statements include forward-looking information that involves risks and uncertainties. See &ldquo;Cautionary Note Concerning
Forward-Looking Statements&rdquo; in this prospectus supplement.</I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company is a bank holding
company engaged in commercial banking and financial services through its wholly-owned subsidiary, Dime Community Bank. The Bank was established
in 1910 and is headquartered in Hauppauge, New York. The Company was incorporated under the laws of the State of New York in 1988 to
serve as the holding company for the Bank. The Company functions primarily as the holder of all of the Bank&rsquo;s common stock. Our
bank operations include Dime Abstract LLC, a wholly-owned subsidiary
of the Bank, which is a broker of title insurance services.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For over a century, we have
maintained our focus on building customer relationships in our market area. Our mission is to grow through the provision of exceptional
service to our customers, our employees, and the community. We strive to achieve excellence in financial performance and build long-term
shareholder value. We engage in providing full service commercial and consumer banking services, including accepting time, savings and
demand deposits from the businesses, consumers, and local municipalities in our market area. These deposits, together with funds generated
from operations and borrowings, are invested primarily in: (1)&nbsp;commercial real estate loans; (2)&nbsp;multi-family mortgage loans;
(3)&nbsp;residential mortgage loans; (4)&nbsp;secured and unsecured commercial and consumer loans; (5)&nbsp;home equity loans; (6)&nbsp;construction
and land loans; (7)&nbsp;Federal Home Loan Bank, Federal National Mortgage Association (&ldquo;Fannie Mae&rdquo;), Government National
Mortgage Association (&ldquo;Ginnie Mae&rdquo;) and Federal Home Loan Mortgage Corporation (&ldquo;Freddie Mac&rdquo;) mortgage-backed
securities, collateralized mortgage obligations and other asset backed securities; (8)&nbsp;U.S. Treasury securities; (9)&nbsp;New York
State and local municipal obligations; (10)&nbsp;U.S. government-sponsored enterprise securities; and (11) corporate bonds. We also offer
the Certificate of Deposit Account Registry Service and Insured Cash Sweep programs, providing multi-millions of dollars of FDIC insurance
on deposits to our customers. In addition, we offer 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
as well as investment services through Dime Financial Services LLC, which offers a full range of investment products and services through
a third-party broker dealer. Through its title insurance subsidiary, the Bank acts as a broker for title insurance services. Our customer
base is comprised principally of small and medium sized businesses, municipal relationships and consumer relationships.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On February&nbsp;1, 2021,
Dime Community Bancshares,&nbsp;Inc., a Delaware corporation (&ldquo;Legacy Dime&rdquo;) merged with and into Bridge Bancorp,&nbsp;Inc.,
a New York corporation (&ldquo;Bridge&rdquo;) (the &ldquo;Merger&rdquo;), with Bridge as the surviving corporation under the name &ldquo;Dime
Community Bancshares,&nbsp;Inc.&rdquo; (the &ldquo;Holding Company&rdquo;). At the effective time of the Merger (the &ldquo;Effective
Time&rdquo;), each outstanding share of Legacy Dime common stock, par value $0.01 per share, was converted into the right to receive
0.6480 shares of the Holding Company&rsquo;s common stock, par value $0.01 per share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the Effective Time, each
outstanding share of Legacy Dime&rsquo;s Series&nbsp;A preferred stock, par value $0.01 (the &ldquo;Preferred Stock&rdquo;), was converted
into the right to receive one share of a newly created series of the Holding Company&rsquo;s preferred stock having the same powers,
preferences and rights as the Preferred Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Immediately following the
Merger, Dime Community Bank, a New York-chartered commercial bank and a wholly-owned subsidiary of Legacy Dime, merged with and into
BNB Bank, a New York-chartered trust company and a wholly-owned subsidiary of Bridge, with BNB Bank as the surviving bank, under the
name &ldquo;Dime Community Bank&rdquo;.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As of March&nbsp;31, 2024,
we operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, the Bronx, and
Staten Island.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">At
March&nbsp;31, 2024, we had total consolidated assets of $13.5&nbsp;billion, total loans held for investment, net of fees and costs,
of $10.7&nbsp;billion, total deposits of $10.9&nbsp;billion, and total stockholders&rsquo; equity of $1.2 billion.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our common stock trades on
the NASDAQ Global Select Market under the symbol &ldquo;DCOM&rdquo; and the Preferred Stock trades on the NASDAQ Global Select Market
under the symbol &ldquo;DCOMP.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our executive offices are
located at 898 Veterans Memorial Highway, Suite&nbsp;560, Hauppauge, New York, 11788. Our telephone number at this address is (631) 537-1000
and our website is <I>www.dime.com</I>. The information on our website is not part of this prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="aa_007"></A>THE OFFERING</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following summary highlights
selected information from this prospectus supplement and the accompanying prospectus about the Notes and this offering. This description
is not complete and does not contain all of the information that you should consider before investing in the Notes. You should read this
prospectus supplement and the accompanying prospectus, as well as the documents incorporated by reference herein and therein, carefully
before making a decision about whether to invest in the Notes. For a more complete understanding of the Notes, you should read the section
of this prospectus supplement entitled &ldquo;Description of the Notes.&rdquo;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%; padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer</FONT></TD>
    <TD STYLE="width: 71%; padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dime
    Community Bancshares,&nbsp;Inc., a New York corporation and a bank holding company.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notes
    Offered</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">9.000</FONT>%
    Fixed-to-Floating Rate Subordinated Notes due 2034</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt">Initial <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate
    Principal Amount</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify">$65,000,000 (2,600,000 units of
    $25 each)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt">Overallotment Option</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"> We have granted the underwriters
an option to purchase up to an additional $9,750,000 (390,000 units of $25 each) aggregate
principal amount of the Notes, solely to cover overallotments, if any, within 30 days from the date of this prospectus supplement. If
the underwriters exercise this option in full, the total public offering price will be $74,750,000,
the total underwriting discounts and commissions paid by us will be $2,242,500, and total proceeds, before expenses, to us will be $72,507,500.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issue
    Price</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify">100.00%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Maturity
    Date</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Notes will mature on July 15,
    2034.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Fixed
    rate period</I></FONT>: A fixed rate per annum of<FONT STYLE="font-size: 9pt"> </FONT>9.000%.</P>
                                                                                  <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Floating
    rate period</I></FONT>: A floating per annum rate equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) plus
    495.1 basis points for each quarterly interest period during the floating rate period; <I>provided, however</I>, that if the
    Benchmark rate is less than zero, the Benchmark rate will be deemed to be zero.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For each interest period during the floating
    rate period, &ldquo;Three-Month Term SOFR&rdquo; means the rate for Term SOFR (as defined below) for a tenor of three months that
    is published by the Term SOFR Administrator at the Reference Time for any interest period, as determined by the calculation agent
    after giving effect to the Three-Month Term SOFR Conventions (each as defined under &ldquo;Description of the Notes&rdquo;).</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
    the calculation agent determines on or prior to the relevant Reference Time that a Benchmark Transition Event and its related Benchmark
    Replacement Date (each as defined under &ldquo;Description of the Notes&rdquo;) have occurred with respect to Three-Month Term SOFR,
    then the provisions under &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Effect of Benchmark Transition Event,&rdquo; which
    are referred to herein as the &ldquo;benchmark transition provisions,&rdquo; will thereafter apply to all determinations of the interest
    rate on the Notes for each interest period during the floating rate period. In accordance with the benchmark transition provisions,
    after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, the interest rate on the Notes for each
    interest period during the floating rate period will be an annual rate equal to the Benchmark Replacement (as defined under &ldquo;Description
    of the Notes&rdquo;) plus</FONT> <FONT STYLE="font-size: 10pt">495.1</FONT> <FONT STYLE="font-size: 10pt">basis points.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will appoint a calculation agent for the
    Notes (which may be us or an affiliate) prior to the commencement of the floating rate period. We expect to act as the initial calculation
    agent.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    Payment Dates</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Fixed
                                            rate period</I></FONT><FONT STYLE="font-size: 10pt">: January 15, April 15, July 15 and October
                                            15 of each year, commencing on October 15, 2024. The last interest payment date for the fixed
                                            rate period will be July 15, 2029.</FONT></P></TD></TR>
</TABLE>

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

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

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<P STYLE="margin-top: 0; 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="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; width: 29%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; width: 71%"><I>Floating rate period</I>: January 15,
    April 15, July 15 and October 15 of each year, commencing on<FONT STYLE="font-size: 9pt"> October 15</FONT>,
    2029.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Record
    Dates</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    on each Note will be payable to the person in whose name such Note is registered on the 15th calendar day (whether or not a Business
    Day) immediately preceding the applicable interest payment date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Day
    Count Convention</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Fixed
    rate period</I></FONT>: 360-day year consisting of twelve 30-day months.</P>
                                                                                  <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Floating
    rate period</I></FONT>: 360-day year and the actual number of days elapsed.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
    Guarantee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Notes will not be guaranteed by any of our subsidiaries. As a result, the Notes will be structurally subordinated to the liabilities
    of our subsidiaries as discussed below under &ldquo;Ranking; Subordination.&rdquo;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ranking;
    Subordination</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Notes offered by this prospectus supplement
    will be issued by us under an Indenture between DCOM and Wilmington Trust, National Association, as trustee (the &ldquo;Trustee&rdquo;),
    dated May&nbsp;6, 2022 (the &ldquo;Base Indenture&rdquo;), as supplemented by a Second Supplemental Indenture between DCOM and the
    Trustee, to be dated as of the issue date (the &ldquo;Supplemental Indenture&rdquo;). We refer to the Base Indenture, as supplemented
    by the Supplemental Indenture, as the &ldquo;Indenture.&rdquo;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Notes will be our unsecured, subordinated
    obligations and:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;will
    rank junior in right of payment and upon our liquidation to any of our existing and all future senior indebtedness (as defined under
    &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Subordination of the Notes&rdquo;), all as described under &ldquo;Description
    of the Notes&rdquo;;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;will
    rank equal in right of payment and upon our liquidation with any of our existing and all of our future indebtedness the terms of
    which provide that such indebtedness ranks equally with the Notes, including our 5.75% fixed-to-floating rate subordinated debentures
    due 2030 and our 5.00% Fixed-to-Floating Rate Subordinated Notes due 2032;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;will
    rank senior in right of payment and upon our liquidation to any of our future indebtedness the terms of which provide that such indebtedness
    ranks junior in right of payment to indebtedness such as the Notes; and</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;will
    be effectively subordinated to our future secured indebtedness to the extent of the value of the collateral securing such indebtedness,
    and structurally subordinated to the existing and future indebtedness of our subsidiaries, including without limitation the Bank&rsquo;s
    depositors, liabilities to general creditors and liabilities arising in the ordinary course of business or otherwise.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">As of March&nbsp;31, 2024, on a consolidated
    basis, our outstanding debt and deposits totaled approximately $11.9 billion, which includes approximately $10.90 billion of deposit
    liabilities that would rank senior to the Notes. In addition, as of March&nbsp;31, 2024, we (at the holding company level) had no
    indebtedness that would rank senior to the Notes, $200.2 million of indebtedness that would rank <I>pari passu</I> to the Notes,
    and no indebtedness that would rank junior to the Notes. The Indenture does not limit the amount of additional indebtedness we or
    our subsidiaries may incur.</P></TD></TR>
</TABLE>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; width: 29%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form&nbsp;and
    Denomination</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify; width: 71%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Notes will be offered in book-entry form only through the facilities of The Depository Trust Company (with its successors,
    &ldquo;DTC&rdquo;) in minimum denominations of $25 and integral multiples of $25 in excess thereof (or in units, each unit
    representing $25 principal amount of the Notes).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Optional
    Redemption</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
    may, at our option, beginning with the interest payment date of July 15</FONT>, 2029, and on any interest payment date thereafter,
    redeem the Notes, in whole or in part, from time to time, subject to obtaining the prior approval of the Federal Reserve to the
    extent such approval is then required under the rules&nbsp;of the Federal Reserve, at a redemption price equal to 100% of the
    principal amount of the Notes being redeemed plus any accrued and unpaid interest, if any, to, but excluding, the date of
    redemption.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Special
    Redemption</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
    may also redeem the Notes at any time prior to their maturity, including prior to July 15</FONT>, 2029, in whole, but not in part,
    subject to obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules&nbsp;of
    the Federal Reserve, if: (1)&nbsp;we receive an opinion from independent tax counsel to the effect that (a)&nbsp;there has been an
    amendment or change (including any announced prospective amendment or change) in law, (b)&nbsp;an administrative or judicial action
    has been announced or taken, (c)&nbsp;there has been an amendment to or change in any official position with respect to, or
    interpretation of, an administrative or judicial action or a law or regulation that differs from the previously generally accepted
    position or interpretation, or (d)&nbsp;there is a threatened challenge in connection with an audit of us or a similar issuer, in
    each case, as a result of which, there is a more than insubstantial increase in the risk that interest payable by us on the Notes is
    not, or within 90 days of the date of such opinion, will not be deductible by us, in whole or in part, for U.S. federal income tax
    purposes; (2)&nbsp;we make a good faith determination that as a result of a change or proposed change in laws, rules&nbsp;or
    regulations, or an official administration action or pronouncement, there is more than an insubstantial risk that we will not be
    entitled to treat the Notes as Tier 2 capital for regulatory capital purposes; or (3)&nbsp;we are required to register as an
    investment company under the Investment Company Act of 1940, as amended (the &ldquo;Investment Company Act&rdquo;). In each case,
    the redemption would be at a redemption price equal to 100% of the principal amount of the Notes being redeemed plus any accrued and
    unpaid interest, if any, to, but excluding, the redemption date. For more information, see &ldquo;Description of the
    Notes&thinsp;&mdash;&thinsp;Redemption.&rdquo;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sinking
    Fund</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">There
    will be no sinking fund for the Notes.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Future
    Issuances</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">
    The Company will issue Notes in the initial aggregate principal amount of
    $65,000,000 (2,600,000 units of $25 each).
    We may, from time to time, without notice to or consent of the holders of the Notes, issue additional Notes in the future with the
    same terms as the Notes, except for the issue date, the issue price, the initial interest accrual date and the first interest
    payment date, and such additional notes may be consolidated with the Notes issued in this offering and form a single
    series.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Use
    of Proceeds</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
    estimate that the net proceeds from this offering will be approximately 62,655,000 </FONT>after deducting the underwriting discount
    and our estimated offering expenses, assuming no exercise of the underwriters&rsquo; overallotment option. We intend to use the net
    proceeds of this offering for general corporate purposes, including to support organic growth initiatives, and to support the
    Company&rsquo;s and the Bank&rsquo;s regulatory capital ratios. See &ldquo;Use of Proceeds.&rdquo;</TD></TR>
</TABLE>

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    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; width: 29%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Listing</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify; width: 71%">We intend to list the Notes on Nasdaq within 30 days of the original issue date under the trading symbol &ldquo;DCOMG&rdquo;.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ERISA
    Considerations</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    a discussion of certain prohibited transactions and fiduciary duty issues pertaining to purchases by or on behalf of an employee
    benefit plan, see &ldquo;Certain ERISA Considerations.&rdquo;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material
    U.S. Federal Income Tax Considerations</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    a discussion of material U.S. federal income tax considerations of purchasing, owning and disposing of the Notes, see &ldquo;Material
    U.S. Federal Income Tax Considerations.&rdquo;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing
    Law</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Notes and the Indenture will be governed by the laws of the State of New York.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Wilmington
    Trust, National Association</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk
    Factors</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 0.15in; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investing
    in the Notes involves risks. Potential investors are urged to read and consider the risk factors relating to an investment in the
    Notes set forth under &ldquo;Risk Factors&rdquo; beginning on page&nbsp;S-12 of this prospectus supplement, as well as the risk
    factors and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus,
    including those under Item 1A, &ldquo;Risk Factors&rdquo; in our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000018/dcom-20231231x10k.htm" STYLE="-sec-extract: exhibit">2023 Form&nbsp;10-K</A> as supplemented by our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">Quarterly Report on Form&nbsp;10-Q for the quarter ended March&nbsp;31, 2024</A>, for a discussion of factors that you should carefully consider before deciding whether
    to invest in the Notes.</FONT></TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="pp_001"></A><B>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>An investment in our securities
is subject to risks inherent to our business. Before making an investment decision, you should carefully consider the risks and uncertainties
described below together with the risk factors and other information included in the <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000018/dcom-20231231x10k.htm" STYLE="-sec-extract: exhibit">2023 Form&nbsp;10-K</A>, our <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">Quarterly Report on Form&nbsp;10-Q for the three months ended March&nbsp;31, 2024</A>, and in other documents that we subsequently file with the SEC, all of which are incorporated
by reference into this prospectus supplement and the accompanying prospectus. Additional risks and uncertainties that management is not
aware of or that management currently deems immaterial may also impair our business operations. See also the discussion under the heading
 &ldquo;Cautionary Note Concerning Forward-Looking Statements.&rdquo; This prospectus supplement and the accompanying prospectus are qualified
in their entirety by these risk factors. If any of these risks actually occurs, our financial condition and results of operations could
be materially and adversely affected. If this were to happen, the value of our securities could decline significantly, and you could lose
all or part of your investment.</I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Notes will be unsecured and subordinated
to any existing and future senior indebtedness.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes will be subordinated
obligations of DCOM. Accordingly, they will be junior in right of payment to any existing and all future senior indebtedness, and in certain
events of insolvency, to other financial obligations as described under &ldquo;Description of the Notes.&rdquo; Our senior indebtedness
includes all indebtedness, except indebtedness that is expressly subordinated to or ranked <I>pari passu</I> with the Notes, subject to
certain exceptions. The Notes will rank equally with all other unsecured subordinated indebtedness of DCOM issued in the future under
the Indenture. In addition, the Notes will be structurally subordinated to all existing and future indebtedness, liabilities and other
obligations, including deposits of our subsidiaries, including the Bank. As of March&nbsp;31, 2024, on a consolidated basis, our outstanding
debt and deposits totaled approximately $11.9 billion, which includes approximately $10.9 billion of deposit liabilities that rank senior
to the Notes. In addition, as of March&nbsp;31, 2024, we (at the holding company level) had no indebtedness that would rank senior to
the Notes, $200.2 million of indebtedness that would rank <I>pari passu</I> to the Notes, and no indebtedness that would rank junior to
the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, the Notes will
not be secured by any of our assets. As a result, the Notes will be effectively subordinated to all of our secured indebtedness to the
extent of the value of the assets securing such indebtedness. The Indenture governing the Notes does not limit the amount of senior indebtedness
and other financial obligations or secured obligations that we or our subsidiaries may incur.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As a result of the subordination
provisions described above, holders of the Notes may not be fully repaid in the event of our bankruptcy, liquidation or reorganization.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Notes will not be insured or guaranteed
by the FDIC, any other governmental agency or any of our subsidiaries. The Notes will be structurally subordinated to the indebtedness
and other liabilities of our subsidiaries, which means that creditors of our subsidiaries generally will be paid from those subsidiaries&rsquo;
assets before holders of the Notes would have any claims to those assets.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes are not savings
accounts, deposits or other obligations of the Bank or any of our non-bank subsidiaries and are not insured or guaranteed by the FDIC
or any other governmental agency or public or private insurer. The Notes are obligations of DCOM only and are neither obligations of,
nor guaranteed by, any of our subsidiaries. The Notes will be structurally subordinated to all existing and future indebtedness and other
liabilities of our subsidiaries, which means that creditors of our subsidiaries (including, in the case of the Bank, its depositors) generally
will be paid from those subsidiaries&rsquo; assets before holders of the Notes would have any claims to those assets. Even if we become
a creditor of any of our subsidiaries, our rights as a creditor would be subordinate to any security interest in the assets of that subsidiary
and any debt of that subsidiary senior to that held by us, and our rights could otherwise be subordinated to the rights of other creditors
and depositors of that subsidiary. Furthermore, none of our subsidiaries is under any obligation to make payments to us, and any payments
to us depend on the earnings or financial condition of our subsidiaries and various business considerations. Statutory, contractual or
other restrictions also limit our subsidiaries&rsquo; ability to pay dividends or make distributions, loans or advances to us. For these
reasons, we may not have access to any assets or cash flows of our subsidiaries to make interest and principal payments on the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Indenture governing the Notes does not
contain any limitations on our ability to incur additional indebtedness, grant or incur a lien on our assets, sell or otherwise dispose
of assets, pay dividends or repurchase our capital stock.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither we nor any of our
subsidiaries are restricted from incurring additional indebtedness or other liabilities, including additional senior or subordinated indebtedness,
under the Indenture governing the terms of the Notes. If we incur additional indebtedness or liabilities, our ability to pay our obligations
on the Notes could be adversely affected. We expect that we will from time to time incur additional indebtedness and other liabilities.
In addition, we are not restricted under the Indenture governing the Notes from granting or incurring a lien on any of our assets, selling
or otherwise disposing of any of our assets, paying dividends or issuing or repurchasing our securities including our regular quarterly
dividend and share repurchases pursuant to our previously announced share repurchase program.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, there are no
financial covenants in the Indenture governing the Notes. Except as expressly provided in the Indenture, you are not protected under the
Indenture governing the Notes in the event of a highly leveraged transaction, reorganization, default under our existing indebtedness,
restructuring, merger or similar transaction that may adversely affect you. See &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Consolidation,
Merger and Sale of Assets.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Payments on the Notes will depend on receipt
of dividends and distributions from our subsidiaries.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We are a bank holding company
and we conduct substantially all of our operations through subsidiaries, including the Bank. We depend on dividends, distributions and
other payments from our subsidiaries to meet our obligations, including to fund payments on the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Federal and state banking
regulations limit dividends from our bank subsidiary to us. Generally, banks are prohibited from paying dividends when doing so would
cause them to fall below regulatory minimum capital levels. Under federal law and applicable regulations, a New York bank that is a member
of the Federal Reserve may generally declare a dividend, without prior regulatory approval, in an amount equal to its year-to-date retained
net income plus the prior two years&rsquo; retained net income that is still available for dividend. Dividends exceeding those amounts
require application to and approval by the NYDFS and the Federal Reserve. In addition, a member bank may be limited in paying cash dividends
if it does not maintain the capital conservation buffer described previously. The Bank had retained earnings of $819.1 million as of March&nbsp;31,
2024.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, federal bank
regulatory agencies have the authority to prohibit the Bank from engaging in unsafe or unsound practices in conducting its business. The
payment of dividends or other transfers of funds to us, depending on the financial condition of the Bank, could be deemed an unsafe or
unsound practice.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Accordingly, we can provide
no assurance that we will receive dividends or other distributions from our bank subsidiary and our other subsidiaries in an amount sufficient
to pay interest on or principal of the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>We may not be able to generate sufficient cash
to service all of our debt, including the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our ability to make scheduled
payments of principal and interest, or to satisfy our obligations in respect of our debt or to refinance our debt, will depend on the
future performance of our operating subsidiaries. Prevailing economic conditions (including interest rates), regulatory constraints, including,
without limitation, limiting distributions to us from the Bank and required capital levels with respect to the Bank and financial, business
and other factors, many of which are beyond our control, will also affect our ability to meet these needs. Our subsidiaries may not be
able to generate sufficient cash flows from operations, or we may be unable to obtain future borrowings in an amount sufficient to enable
us to pay our debt, or to fund our other liquidity needs. We may need to refinance all or a portion of our debt at or before maturity.
We may not be able to refinance any of our debt when needed (including, without limitation, upon commencement of the floating rate period)
on commercially reasonable terms or at all.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Regulatory guidelines may restrict our ability
to pay the principal of, and accrued and unpaid interest on, the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As a bank holding company,
our ability to pay the principal of, and interest on, the Notes is subject to the rules&nbsp;and guidelines of the Federal Reserve regarding
capital adequacy. We intend to treat the Notes as &ldquo;Tier 2 capital&rdquo; under these rules&nbsp;and guidelines. The Federal Reserve
guidelines generally require us to review the effects of the cash payment on Tier 2 capital instruments, such as the Notes, on our overall
financial condition. The guidelines also require that we review our net income for the current and past four quarters, and the amounts
we have paid on Tier 2 capital instruments for those periods, as well as our projected rate of earnings retention. Moreover, pursuant
to federal law and Federal Reserve regulations, as a bank holding company, we are required to act as a source of financial and managerial
strength to the Bank and commit resources to its support, including, without limitation, the guarantee of its capital plans if it is undercapitalized.
Such support may be required at times when we may not otherwise be inclined or able to provide it. As a result of the foregoing, we may
be unable to pay accrued interest on the Notes on one or more of the scheduled interest payment dates, or at any other time, or the principal
of the Notes at the maturity of the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If we were to be the subject
of a bankruptcy proceeding under Chapter 11 of the U.S. Bankruptcy Code, then the bankruptcy trustee would be deemed to have assumed,
and would be required to cure immediately, any deficit under any commitment we have to any of the federal banking agencies to maintain
the capital of the Bank, and any other insured depository institution for which we have such a responsibility, and any claim for breach
of such obligation would generally have priority over most other unsecured claims.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Holders of the Notes will have limited rights,
including limited rights of acceleration, if there is an event of default.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Payment of principal on the
Notes may be accelerated only in the case of certain events of bankruptcy or insolvency involving us or the Bank. There is no automatic
acceleration, or right of acceleration, in the case of default in the payment of principal of or interest on the Notes, or in the performance
of any of our other obligations under the Notes or the Indenture governing the Notes. Our regulators can, if we or the Bank become subject
to an enforcement action, prohibit the Bank from paying dividends to us, and prevent our payment of interest on or principal of the Notes
and any dividends on our capital stock, but such limits will not permit acceleration of the Notes. See &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Events
of Default; Limitation on Suits.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>An active trading market for the Notes may
not develop.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes constitute a
new issue of securities for which there is no existing trading market. Although we intend to apply to list the Notes on
Nasdaq, we cannot assure you that the Notes will be approved for listing. Moreover, even if the listing of the Notes is approved, we
cannot provide you with any assurance regarding whether a trading market for the Notes will develop, the ability of holders of the
Notes to sell their Notes or the prices at which holders may be able to sell their Notes. If the Notes are traded after their initial issuance, they may trade at a discount from their initial offering price depending on prevailing
interest rates, the market for similar securities, our credit ratings, if any, general economic conditions, our financial condition, performance
and prospects and other factors. The underwriters have advised us that they
currently intend to make a secondary market in the Notes. The underwriters, however, are not obligated to do so, and any
market-making with respect to the Notes may be discontinued at any time without notice. There may be a limited number of buyers if
you decide to sell your Notes. This may affect the price you receive for your Notes or your ability to sell your Notes at all.
Investors in the Notes may not be able to sell the Notes at all or may not be able to sell the Notes at prices that will provide
them with a yield comparable to similar investments that have a developed secondary market, and may consequently suffer from
increased pricing volatility and market risk.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If a trading market for the Notes develops,
changes in the debt markets, among others, could adversely affect your ability to liquidate your investment in the Notes and the market
price of the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Many factors could affect
the trading market for, and the trading value of, the Notes. These factors include: the method of calculating the principal, premium,
if any, interest or other amounts payable, if any, on the Notes; the time remaining to the maturity of the Notes; the ranking of the Notes;
the redemption features of the Notes; the outstanding amount of subordinated notes with terms similar or identical to the Notes offered
hereby; the prevailing interest rates being paid by other companies similar to us; changes in U.S. interest rates; whether the ratings
on the Notes or us provided by any rating agency have changed; our financial condition, financial performance and future prospects; the
level, direction and volatility of market interest rates generally; general economic conditions of the capital markets in the United States;
and geopolitical conditions and other financial, political, regulatory, and judicial events that affect the capital markets generally.
The condition of the financial markets and prevailing interest rates have fluctuated significantly in the past and are likely to fluctuate
in the future. Such fluctuations could adversely affect the trading market (if any) for, and the market price of, the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Because the Notes may be redeemed at our option
under certain circumstances prior to their maturity, if we elect to redeem all or any portion of the Notes, you may be subject to reinvestment
risk.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
or after July 15</FONT>, 2029, we may, at our option, redeem the Notes in whole or in part on each interest payment date. In addition,
we may also redeem the Notes prior to maturity, at our option, in whole but not in part, if: (1)&nbsp;we receive an opinion from independent
tax counsel to the effect that (a)&nbsp;there has been an amendment or change (including any announced prospective amendment or change)
in law, (b)&nbsp;an administrative or judicial action has been announced or taken, (c)&nbsp;there has been an amendment to or change
in any official position with respect to, or interpretation of, an administrative or judicial action or a law or regulation that differs
from the previously generally accepted position or interpretation, or (d)&nbsp;there is a threatened challenge in connection with an
audit of us or a similar issuer, in each case that, as a result of which, there is a more than insubstantial increase in the risk that
interest payable by us on the Notes is not, or within 90 days of the date of such opinion, will not be deductible by us, in whole or
in part, for U.S. federal income tax purposes; (2)&nbsp;we make a good faith determination that as a result of a change or proposed change
in laws, rules&nbsp;or regulations, or an official administration action or pronouncement, there is more than an insubstantial risk that
we will not be entitled to treat the Notes as Tier 2 capital for regulatory capital purposes; or (3)&nbsp;we are required to register
as an investment company under the Investment Company Act. The redemption price for any redemption is 100% of the principal amount of
the Notes to be redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the date of redemption. Any redemption
of the Notes will be subject to the receipt of the approval of the Federal Reserve, to the extent then required under applicable laws
or regulations, including capital regulations. Any such redemption may have the effect of reducing the income or return that you may
receive on an investment in the Notes by reducing the term of the investment. Under current regulatory capital guidelines, the aggregate
principal amount of the Notes that will count as Tier 2 capital will be reduced by 20% in each of the last five years prior to the Maturity
Date of the Notes. As a result, we may be more likely to redeem the Notes prior to their Maturity Date. If this occurs, you may not be
able to reinvest the proceeds at an interest rate comparable to the rate paid on the Notes. See &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Redemption.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may elect to redeem the
Notes on or after the date on which they become redeemable at our option; however, investors should not expect us to make such election
on such date when the Notes are first redeemable or at any time thereafter. Under Federal Reserve regulations, unless the Federal Reserve
authorizes us in writing to do otherwise, we may not redeem the Notes unless they are replaced with other Tier 2 capital instruments or
unless we can demonstrate to the satisfaction of the Federal Reserve that, following redemption, we will continue to hold capital commensurate
with our risk.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The amount of interest payable on the Notes
will vary after July 15,
2029.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">During
the fixed rate period, the Notes will bear interest at an initial rate of 9.000% per annum. Thereafter, the Notes will bear interest
at a floating rate per annum equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) plus 495.1 basis points,
subject to the provisions under &ldquo;Description of the Notes&thinsp;&mdash;&thinsp;Interest.&rdquo; The per annum interest rate
that is determined at the reference time for each interest period will apply to the entire quarterly interest period following such
determination date even if the Benchmark rate increases during that period.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Floating rate notes bear additional
significant risks not associated with fixed rate debt securities. These risks include fluctuation of the interest rates and the possibility
that you will receive an amount of interest that is lower than expected. We have no control over a number of matters, including, without
limitation, economic, financial, and political events, that are important in determining the existence, magnitude, and longevity of market
volatility and other risks and their impact on the value of, or payments made on, the Notes. In recent years, interest rates have been
volatile, and that volatility may be expected in the future.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Our published credit ratings may not reflect
all risks of an investment in the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The published credit ratings
of us or our indebtedness are an assessment by rating agencies of our ability to pay our debts when due. These ratings are not recommendations
to purchase, hold or sell the Notes, inasmuch as the ratings do not comment as to market price or suitability for a particular investor,
are limited in scope, and do not address all material risks relating to an investment in the Notes, but rather reflect only the view of
each rating agency at the time the rating is issued. The published credit ratings assigned to the Notes may not reflect the potential
impact of all risks related to structure and other factors on any trading market for, or trading value of, the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Accordingly, you should consult
your own financial and legal advisors as to the risks entailed by an investment in the Notes and the suitability of investing in the Notes
in light of your particular circumstances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>A downgrade of our credit ratings or the ratings
of our subsidiaries or other financial institutions could have a material adverse impact on us and the value of and market for the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Rating agencies continuously
evaluate us and our subsidiaries, and their ratings of our long-term and short-term debt are based on a number of factors, including financial
strength, as well as factors not entirely within our control, such as conditions affecting the financial services industry generally.
In light of these reviews and the continued focus on the financial services industry generally, we and our subsidiaries may not be able
to maintain our current credit ratings. Ratings downgrades by a rating agency could have a significant and immediate impact on our funding
and liquidity through cash obligations, reduced funding capacity and collateral triggers. A reduction in our or our subsidiaries&rsquo;
credit ratings could also increase our borrowing costs and limit access to the capital markets. These changes could have a material adverse
impact on the value of and market for the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Downgrades in the credit or
financial strength ratings assigned to the counterparties with whom we transact could create the perception that our financial condition
will be adversely impacted as a result of potential future defaults by such counterparties. Additionally, we could be adversely affected
by a general, negative perception of financial institutions caused by the downgrade of other financial institutions. Accordingly, ratings
downgrades for other financial institutions could affect the market price of our stock and could limit our access to or increase our cost
of capital. These changes could have a material adverse impact on the value of and market for the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Investors should not rely on indicative or
historical data concerning SOFR or Three-Month Term SOFR.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The interest rate during the
floating rate period will be determined using Three-Month Term SOFR (unless a Benchmark Transition Event and its related Benchmark Replacement
Date occur with respect to Three-Month Term SOFR, in which case the rate of interest will be based on the next-available Benchmark Replacement,
which is Compounded SOFR). In the following discussion of SOFR, when we refer to the Notes, we mean the Notes at any time during the floating
rate period when the interest rate on the Notes is or will be determined based on SOFR, including Three-Month Term SOFR.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">SOFR is published by the Federal
Reserve Bank of New York (&ldquo;FRBNY&rdquo;) and is intended to be a broad measure of the cost of borrowing cash overnight collateralized
by U.S. Treasury securities. FRBNY reports that SOFR includes all trades in the Broad General Collateral Rate, plus bilateral U.S. Treasury
repurchase agreement (&ldquo;repo&rdquo;) transactions cleared through the delivery-versus-payment service offered by the Fixed Income
Clearing Corporation (the &ldquo;FICC&rdquo;), a subsidiary of DTC. SOFR is filtered by FRBNY to remove a portion of the foregoing transactions
considered to be &ldquo;specials.&rdquo; According to FRBNY, &ldquo;specials&rdquo; are repos for specific-issue collateral that take
place at cash-lending rates below those for general collateral repos because cash providers are willing to accept a lesser return on their
cash to obtain a particular security.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">FRBNY reports that SOFR is
calculated as a volume-weighted median of transaction-level tri-party repo data collected from The Bank of New York Mellon, which currently
acts as the clearing bank for the tri-party repo market, as well as General Collateral Finance Repo transaction data and data on bilateral
U.S. Treasury repo transactions cleared through the FICC&rsquo;s delivery-versus-payment service. FRBNY states that it obtains information
from DTCC Solutions LLC, an affiliate of DTC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">FRBNY currently publishes
SOFR daily on its website at https://www.newyorkfed.org/markets/reference-rates/sofr. FRBNY states on its publication page&nbsp;for SOFR
that use of SOFR is subject to important disclaimers, limitations and indemnification obligations, including that FRBNY may alter the
methods of calculation, publication schedule, rate revision practices or availability of SOFR at any time without notice. The foregoing
Internet website is an inactive textual reference only, meaning that the information contained on the website is not part of this prospectus
supplement or the accompanying prospectus or incorporated by reference herein or therein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On July&nbsp;29, 2021, the
Alternative Reference Rates Committee (the &ldquo;ARRC&rdquo;) convened by the Federal Reserve and FRBNY formally recommended the use
of the CME Group&rsquo;s computation of forward-looking SOFR term rates, which are calculated by the CME Group based on SOFR futures.
It is currently anticipated that Three-Month Term SOFR, for purposes of the Notes, will be based on the CME Group&rsquo;s forward-looking
SOFR term rates with a tenor of three months.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">FRBNY started publishing SOFR
in April&nbsp;2018. FRBNY has also started publishing historical indicative SOFRs dating back to 2014, although such historical indicative
data inherently involves assumptions, estimates and approximations. Similarly, certain historical Three-Month Term SOFR data is available
from CME Group. Investors should not rely on any such historical data, indicative or otherwise, on any historical changes or trends in
SOFR or Three-Month Term SOFR as an indicator of the future performance of SOFR or Three-Month Term SOFR.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Term SOFR and SOFR may be more volatile than
other benchmark or market rates.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Since the initial publication
of SOFR, daily changes in the rate have, on occasion, been more volatile than daily changes in comparable benchmark or market rates, and
Term SOFR and SOFR over time may bear little or no relation to the historical actual or historical indicative data. In addition, the return
on and value of the Notes may fluctuate more than floating rate securities that are linked to less volatile rates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Changes in Term SOFR and SOFR could adversely
affect holders of the Notes and the trading prices for the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Because Term SOFR and SOFR
are based on data received from other sources, we have no control over its determination, calculation or publication. There is no assurance
that either SOFR or Term SOFR will not be discontinued or fundamentally altered in a manner that is materially adverse to the interests
of investors in the Notes. If the manner in which Term SOFR or SOFR are calculated is changed, that change may result in a reduction in
the amount of interest that accrues on the Notes during the floating rate period, which may adversely affect the trading prices of the
Notes. Further, if the Benchmark rate on the Notes during the floating rate period on any determination date declines to zero or becomes
negative, the interest rate will be deemed to equal zero. In addition, once the Benchmark rate for the Notes for each interest period
during the floating rate period is determined by the calculation agent on the determination date, interest on the Notes will accrue at
such Benchmark rate for the applicable interest period and will not be subject to change during such interest period. There is no assurance
that changes in Term SOFR or SOFR could not have a material adverse effect on the yield on, value of and market for the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>SOFR and Term SOFR differ fundamentally from,
and may not be a comparable substitute for, U.S. dollar LIBOR.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In June&nbsp;2017, the ARRC
convened by the Federal Reserve and FRBNY announced SOFR as its recommended alternative to the London interbank offered rate (&ldquo;LIBOR&rdquo;)
for U.S. dollar obligations. However, because SOFR is a broad U.S. Treasury repo financing rate that represents overnight secured funding
transactions, it differs fundamentally from LIBOR. For example, SOFR is a secured overnight rate, while LIBOR is an unsecured rate that
represents interbank funding over different maturities. In addition, because SOFR is a transaction-based rate, it is backward-looking,
whereas LIBOR is forward-looking. Because of these and other differences, there is no assurance that SOFR will perform in the same way
as LIBOR would have performed at any time, and there is no guarantee that it is a comparable substitute for LIBOR. While Term SOFR operates
more similarly to LIBOR in that it is forward looking, the market data that underlies the determination of Term SOFR is based on SOFR
which, as noted above, is fundamentally different from the market data that was used to determine LIBOR. As a result, there is no assurance
that Term SOFR will perform in the same way as LIBOR would have performed at any time, and there is no guarantee that it is a comparable
substitute for LIBOR.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Any failure of Term SOFR or SOFR to gain market
acceptance could adversely affect holders of the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Term SOFR or SOFR may fail
to gain market acceptance. SOFR was developed for use in certain U.S. dollar derivatives and other financial contracts as an alternative
to LIBOR in part because it is considered to be a good representation of general funding conditions in the overnight U.S. Treasury repo
market. However, as a rate based on transactions secured by U.S. Treasury securities, it does not measure bank-specific credit risk and,
as a result, is less likely to correlate with the unsecured short-term funding costs of banks. This may mean that market participants
would not consider SOFR to be a comparable substitute or successor for all of the purposes for which LIBOR historically has been used
(including, without limitation, as a representation of the unsecured short-term funding costs of banks), which may, in turn, lessen its
market acceptance. Any failure of Term SOFR or SOFR to gain market acceptance could adversely affect the yield on, value of and market
for the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The interest rate for the Notes during the
applicable floating rate period may be determined based on a rate other than Three-Month Term SOFR.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the terms of the Notes,
the interest rate on the Notes for each interest period during the applicable floating rate period will be based on Three-Month Term SOFR,
a forward-looking term rate for a tenor of three months that will be based on SOFR. Uncertainty surrounding the adoption and use of forward-looking
term rates based on SOFR could have a material adverse effect on the return on, value of, and market for the Notes. Use and adoption of
Three-Month SOFR or forward-looking term rates based on SOFR may require updates to systems and operational processes to facilitate the
calculation and determination thereof. If, at the commencement of the floating rate period for the Notes, we determine that the use of
a forward-looking rate for a tenor of three months based on SOFR is not administratively feasible, then the next-available Benchmark Replacement
under the benchmark transition provisions will be used to determine the interest rate on the Notes during the applicable floating rate
period (unless a Benchmark Transition Event and its related Benchmark Replacement Date occur with respect to that next-available Benchmark
Replacement).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the terms of the Notes,
the calculation agent (which may be us or an affiliate) is expressly authorized to make determinations, decisions or elections with respect
to technical, administrative or operational matters that it decides are appropriate to reflect the use of Three-Month Term SOFR as the
interest rate basis for the Notes, which are defined in the terms of the Notes as &ldquo;Three-Month Term SOFR Conventions.&rdquo; Such
determination and implementation of any Three-Month Term SOFR Conventions could result in adverse consequences to the amount of interest
that accrues on the Notes during the applicable floating rate period, which could adversely affect the return on, value of and market
for the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Any Benchmark Replacement may not be the economic
equivalent of Three-Month Term SOFR.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the benchmark transition
provisions of the Notes, if the calculation agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date
have occurred with respect to Three-Month Term SOFR, then the floating interest rate on the Notes for each interest period during the
floating rate period will be determined using the next-available Benchmark Replacement (which may include a related Benchmark Replacement
Adjustment). However, the Benchmark Replacement may not be the economic equivalent of Three-Month Term SOFR. For example, Compounded SOFR,
the first-available Benchmark Replacement, is the compounded average of the daily SOFR calculated in arrears, while Three-Month Term SOFR
is intended to be a forward-looking rate with a tenor of three months. Neither the ARRC nor FRBNY has made a final determination regarding
the method for calculating Compounded SOFR. In addition, very limited market precedent exists for securities that use Compounded SOFR
as the rate basis, and the method for calculating Compounded SOFR in those precedents varies. Further, the ISDA Fallback Rate (as defined
below), which is another Benchmark Replacement, has not yet been established and may change over time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The implementation of Benchmark Replacement
Conforming Changes could adversely affect holders of the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the benchmark transition
provisions of the Notes, if Three-Month Term SOFR has been discontinued or if a particular Benchmark Replacement or Benchmark Replacement
Adjustment cannot be determined, then the next-available Benchmark Replacement or Benchmark Replacement Adjustment will apply. These replacement
rates and adjustments may be selected or formulated by: (1)&nbsp;the Relevant Governmental Body (such as the ARRC or FRBNY); (2)&nbsp;the
International Swaps and Derivatives Association,&nbsp;Inc. (&ldquo;ISDA&rdquo;); or (3)&nbsp;in certain circumstances, the calculation
agent (which may be us or an affiliate). In addition, the benchmark transition provisions expressly authorize the calculation agent (which
may be us or an affiliate) to make certain changes, which are defined in the terms of the Notes as &ldquo;Benchmark Replacement Conforming
Changes,&rdquo; with respect to, among other things, the determination of interest periods, and the timing and frequency of determining
rates and making payments of interest. The application of a Benchmark Replacement and Benchmark Replacement Adjustment, and any implementation
of Benchmark Replacement Conforming Changes, could result in adverse consequences to the amount of interest that accrues on the Notes
during any interest period during the floating rate period, which could adversely affect the yield on, value of and market for the Notes.
Further, there is no assurance that the characteristics of any Benchmark Replacement will be similar to the then-current Benchmark rate
that it is replacing, or that any Benchmark Replacement will produce the economic equivalent of the then-current Benchmark rate that it
is replacing.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Also, since SOFR and Term
SOFR are relatively new market indices, SOFR-linked debt securities likely will have no established trading market when issued, and an
established trading market may never develop or may not be very liquid. Market terms for debt securities indexed to SOFR or Term SOFR,
such as the spread over the index reflected in interest rate provisions, may evolve over time, and trading prices of the Notes may be
lower than those of later-issued SOFR-linked debt securities as a result. Similarly, if Term SOFR or SOFR does not prove to be widely
used in securities similar to the Notes, the trading price of the Notes may be lower than those of debt securities linked to such rates
that are more widely used. Debt securities indexed to Term SOFR (as the Notes will be) may not be able to be sold at all or may not be
able to be sold at prices that will provide a yield comparable to similar investments that have a developed secondary market, and may
consequently suffer from increased pricing volatility and market risk.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>We or an affiliate of ours will or could have
authority to make determinations and elections that could affect the return on, value of and market for the Notes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the terms of the Notes,
we may make certain determinations, decisions and elections with respect to the Benchmark rate on the Notes during the floating rate period,
including, without limitation, any determination, decision or election required to be made by the calculation agent that the calculation
agent fails to make. We will make any such determination, decision or election in our sole discretion, and any such determination, decision
or election that we make could affect the amount of interest that accrues on the Notes during any interest period in the floating rate
period. If the calculation agent fails, when required, to make a determination that a Benchmark Transition Event and its related Benchmark
Replacement Date have occurred, or fails, when required, to determine the Benchmark Replacement and Benchmark Replacement Adjustment,
then we will make those determinations in our sole discretion. Furthermore, we or an affiliate of ours may serve as calculation agent.
We expect to act as the initial calculation agent and, though we will appoint a calculation agent prior to the commencement of the floating
rate period, we may appoint ourselves or an affiliate and we cannot assure you that we will appoint an independent third-party calculation
agent at any time. Any exercise of discretion by us under the terms of the Notes, including, without limitation, any discretion exercised
by us or by an affiliate acting as calculation agent, could present a conflict of interest. In making the required determinations, decisions
and elections, we or an affiliate of ours acting as calculation agent may have economic interests that are adverse to the interest of
the holders of the Notes, and those determinations, decisions or elections could have a material adverse effect on the yield on, value
of and market for the Notes. All determinations, decisions or elections by us, or by us or an affiliate acting as calculation agent, under
the terms of the Notes will be conclusive and binding absent manifest error.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Notes may be issued with original issue
discount for U.S. federal income tax purposes.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes may be issued with
original issue discount for U.S. federal income tax purposes. In such case, holders subject to U.S. federal income taxation, whether on
the cash or accrual method of tax accounting, generally would be required to include any amounts representing original issue discount
in gross income (as ordinary income) as the original issue discount accrues on a constant yield to maturity basis, in advance of the receipt
of cash payments to which such income is attributable. See &ldquo;Material U.S. Federal Income Tax Considerations.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The use of the net proceeds from the sale of
the Notes will be at the discretion of our management and could change depending on unforeseen events or changes in current business conditions
or circumstances.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our management will have broad
discretion in the use of the net proceeds from the sale of the Notes. The descriptions in this prospectus supplement of our use of the
proceeds from the sale of the Notes represent our intentions based upon our present plans and business conditions. The occurrence of unforeseen
events or changed business conditions, however, could result in the application of the net proceeds of the offering in a manner other
than as described in this prospectus supplement. The precise amounts and timing of our use of the net proceeds will depend on our, and
our subsidiaries&rsquo;, funding requirements and the availability of other funds.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="pp_002"></A><B>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We estimate that the net
proceeds from this offering will be approximately  62,655,000 after deducting the underwriting discount and our estimated offering
expenses and assuming no exercise of the underwriters&rsquo; overallotment option. We intend to use the net proceeds of this offering for
general corporate purposes, including to support organic growth initiatives, and to support the Company&rsquo;s and the Bank&rsquo;s
regulatory capital ratios. The precise amounts and timing of our use of the net proceeds will depend on our, and our
subsidiaries&rsquo;, funding requirements and the availability of other funds.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pending the application of
the net proceeds for the purposes described above, we may initially invest the net proceeds from this offering in short-term, investment-grade
instruments, interest-bearing securities or obligations, or apply them to the reduction of other indebtedness.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our management will have broad
discretion in the use of the net proceeds from the sale of the Notes. The foregoing represents our intentions based upon our present plans
and business conditions. The occurrence of unforeseen events or changed business conditions, however, could result in the application
of the net proceeds of the offering in a manner other than as described in this prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="pp_003"></A>CAPITALIZATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following table shows
our capitalization at March&nbsp;31, 2024:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(1)&nbsp;on a consolidated
basis; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(2)&nbsp;on a consolidated
basis as adjusted to give effect to the issuance and sale of the Notes in this offering (after deducting the underwriting discount and
estimated offering expenses).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This table should be read
in conjunction with the risk factors and the condensed consolidated financial statements and related notes of DCOM for the three months
ended March&nbsp;31, 2024, and the other financial information that is incorporated by reference in this prospectus supplement and the
accompanying prospectus. See &ldquo;Where You Can Find More Information.&rdquo;</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 11pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 11pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">As of March&nbsp;31, 2024</TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">(Dollars in thousands)</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Actual</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">As adjusted for<BR> this offering</TD><TD STYLE="text-align: left; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; font: bold 10pt Times New Roman, Times, Serif; text-align: left">Cash and Cash Equivalents</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">370,852</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">433,507</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Liabilities and Shareholders&rsquo; Equity:</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Deposits:</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Non-interest bearing</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,920,710</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,920,710</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Interest bearing</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">7,978,167</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">7,978,167</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Total deposits</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10,898,877</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10,898,877</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Federal Home Loan Bank advances</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">773,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">773,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Subordinated debentures due 2030</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42,151</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42,151</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Subordinated debentures due 2032</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">158,022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">158,022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">9.000% Notes offered hereby</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">62,655</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Other liabilities</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">389,670</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">389,670</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Total liabilities</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12,261,720</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">12,324,375</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Shareholders&rsquo; Equity:</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Common stock, $0.01 par value (80,000,000 shares authorized; 41,637,256 shares issued at March&nbsp;31, 2024; 38,931,833 shares&#8239;outstanding at March&nbsp;31, 2024, actual and as adjusted)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">416</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">416</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Preferred stock, Series&nbsp;A, $0.01 par value (10,000,000 shares authorized and 5,299,200 shares outstanding at March&nbsp;31, 2024)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">116,569</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">116,569</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Additional paid-in capital</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">482,643</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">482,643</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Treasury stock, at cost (actual and as adjusted)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(93,921</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(93,921</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Retained earnings</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">819,130</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">819,130</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Accumulated other comprehensive loss</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(85,466</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(85,466</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Total stockholders&rsquo; equity</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,239,371</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,239,371</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt">Total liabilities and stockholders&rsquo; equity</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">13,501,091 </TD><TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">13,563,746</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><B>Capital Ratios<SUP>(2)</SUP></B></TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 11pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Common equity Tier 1 capital ratio</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.00</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.00</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Tier 1 risk-based capital ratio</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.11</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.11</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Total risk-based capital ratio</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">13.78</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.40</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Tier 1 leverage ratio</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.48</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.44</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>






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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(1)</SUP></FONT></TD><TD STYLE="text-align: justify">Represents the initial aggregate principal amount of the Notes,<FONT STYLE="background-color: white">
                                                                                                                                                       prior to the exercise of the underwriters&rsquo; overallotment option,</FONT> reduced by the underwriting discount

                                                                                                                                                       and our estimated offering expenses
                                                                                                                                                       ($395,000).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(2)</SUP></FONT></TD><TD STYLE="text-align: justify">The as adjusted calculations for the risk-based capital ratios for DCOM assume that the net proceeds from the sales of the Notes are
invested in assets that carry a 0% risk weighting.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="pp_004"></A>DESCRIPTION OF THE NOTES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>We will issue the Notes
under the Indenture. You may request a copy of the Indenture from us as described under &ldquo;Incorporation of Certain Documents by Reference.&rdquo;
We have summarized the material terms of the Indenture and the Notes below, but the summary does not purport to be complete and is subject
to and qualified in its entirety by reference to the Indenture and the Notes. The following description of the terms of the Indenture
and the Notes supplements and, to the extent inconsistent therewith, replaces and supersedes the description of the general terms and
provisions of the subordinated debt securities in the accompanying prospectus.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>You should read the Indenture
and the Notes because they, and not this description, define your rights as holders of the Notes. For purposes of this section, references
to &ldquo;DCOM,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us&rdquo; and &ldquo;our&rdquo; include only DCOM and not any
of its subsidiaries.</I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes will be
unsecured, subordinated obligations of the Company and will mature on July 15, 2034 unless redeemed prior to such date in accordance
with the provisions set forth below under &ldquo;&mdash; Redemption.&rdquo; The Notes will be issued and may be transferred only in
minimum denominations of $25 and integral multiples of $25 in excess thereof (or in units, each unit representing $25 principal amount of the Notes).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Unless previously redeemed
prior to maturity, we will repay the Notes at 100% of their principal amount, together with accrued and unpaid interest thereon to, but
excluding, the Maturity Date, at their maturity. We will pay principal of and interest on the Notes in U.S. dollars.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes will constitute
our unsecured debt obligations and will rank equally among themselves, will rank equal in right of payment and upon our liquidation with
any of our existing and all of our future indebtedness the terms of which provide that such indebtedness ranks equally with the Notes,
including our 5.75% fixed-to-floating rate subordinated debentures due 2030 and our 5.00% Fixed-to-Floating Rate Subordinated Notes due
2032 (the &ldquo;Existing Subordinated Notes&rdquo;), will rank senior in right of payment and upon our liquidation to any of our existing
and future indebtedness the terms of which provide that such indebtedness ranks junior in right of payment to indebtedness such as the
Notes, and will rank junior in right of payment and upon our liquidation to any of our existing and future senior indebtedness as described
below in &ldquo;&mdash; Subordination of the Notes.&rdquo; No sinking fund will exist for the Notes, and no sinking fund payments will
be made with respect to the Notes. The Notes will not be convertible into or exchangeable for any other securities or property. Except
as described below under &ldquo;&mdash; Clearance and Settlement,&rdquo; the Notes will be issued only in book-entry form and will be
represented by one or more global notes registered in the name of Cede&nbsp;&amp; Co., as the nominee of DTC. See &ldquo;&mdash; Clearance
and Settlement&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes offered hereby will
be issued under the Indenture. We may, from time to time, without notice to, or the consent of, the holders of the Notes, issue additional
Notes ranking equally with the Notes and identical to the Notes previously issued in all respects (except for the issue date, the issue
price, the initial interest accrual date and the first interest payment date following the issue date of such additional Notes) in order
that such additional Notes may be consolidated and form a single series with the Notes and have the same terms as to status, redemption
or otherwise as the Notes. However, no such additional Notes may be issued unless (1)&nbsp;they will be fungible with the Notes for U.S.
securities law purposes; (2)&nbsp;such additional Notes are issued pursuant to a &ldquo;qualified reopening&rdquo; of the Notes offered
hereby for U.S. federal income tax purposes, or such additional Notes are, and the Notes offered hereby were, issued without any original
issue discount for U.S. federal income tax purposes; and (3)&nbsp;the additional Notes have the same CUSIP number as the Notes offered
hereby. No additional Notes may be issued if any event of default has occurred and is continuing with respect to the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Indenture contains no
covenants or restrictions restricting the incurrence of indebtedness or other obligations by us or by our subsidiaries, including the
Bank. The Indenture contains no financial covenants requiring us to achieve or maintain any minimum financial results relating to our
financial position or results of operations or meet or exceed any financial ratios, as a general matter or in order to incur additional
indebtedness or obligations, or to maintain any reserves. Moreover, neither the Indenture nor the Notes contain any covenants prohibiting
us from, or limiting our right to, incur additional indebtedness or obligations, to grant liens on our assets to secure our indebtedness
or other obligations that are senior in right of payment to the Notes, to repurchase our stock or other securities, including any of the
Notes, or to pay dividends or make other distributions to our shareholders. In addition, neither the Indenture nor the Notes contain any
provision that would provide protection to the holders of the Notes against a sudden and dramatic decline in our credit quality, including
resulting from a merger, takeover, recapitalization or similar restructuring or other events involving us or our subsidiaries that may
adversely affect our credit quality.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes are not deposits,
savings accounts, or other obligations of the Bank and are not insured or guaranteed by the FDIC or any other government agency or instrumentality.
The Notes are solely obligations of the Company and are neither obligations of, nor guaranteed by, the Bank or any of our other subsidiaries
or affiliates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">By acceptance of the Notes,
each holder of the Notes will be deemed to have agreed that no director, officer, employee, or shareholder of the Company, the Trustee
or any affiliate of the Company or the Trustee will have any personal liability with respect to the Company&rsquo;s obligations under
the Indenture or the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Payment of the full principal
amount of the Notes will be due on July 15,
2034, unless the Notes are redeemed prior to the Maturity Date.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">From and including the
date of issuance to, but excluding, July 15, 2029 (unless redeemed prior to such date as contemplated below under &ldquo;&mdash;
Redemption&rdquo;), which we refer to as the &ldquo;fixed rate period,&rdquo; the Notes will bear interest at a rate of 9.000% per
year. During the fixed rate period, interest on the Notes will accrue from and including June 28,
2024, and will be payable quarterly in arrears
on January 15, April 15, July 15 and October 15 of each year during the fixed rate period, each a &ldquo;fixed period interest payment date,&rdquo; commencing
on October 15,
2024. During the fixed rate period, interest will be computed on the basis of a 360-day year consisting of twelve 30-day months.
Dollar amounts resulting from that calculation will be rounded to the nearest cent, with one-half cent being rounded upward. The
interest payable on the Notes on any fixed period interest payment date will, except as noted below, be paid to the person in whose
name the Notes are registered at the close of business on the 15th calendar day (whether or not a business day (as defined below))
immediately preceding the fixed period interest payment date. If any fixed period interest payment date for the Notes or the date
for the payment of principal for the Notes occurring during the fixed rate period falls on a day that is not a business day, the
Company will postpone the interest or principal payment to the next succeeding business day, but the payments made on such dates
will be treated as being made on the date that the payment was first due and the holders of the Notes will not be entitled to any
further interest, principal or other payments with respect to such postponements.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">From
and including July 15, 2029 to, but excluding, the Maturity Date (unless redeemed prior to such date as contemplated below under
 &ldquo;&mdash; Redemption&rdquo;), which we refer to as the &ldquo;floating rate period,&rdquo; the Notes will bear interest at a
floating rate per year equal to the Benchmark (which is expected to be Three-Month Term SOFR), plus</FONT><FONT STYLE="font-size: 9pt"> </FONT>495.1
basis points. Notwithstanding the foregoing, if the Benchmark is less than zero, the Benchmark will be deemed to be zero.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">During the floating rate
period, interest on the notes will accrue from and including July 15, 2029 and will be payable quarterly in arrears on January 15,
April 15, July 15 and October 15 of each year (each a &ldquo;floating period interest payment date&rdquo; and, together with any
fixed period interest payment date, an &ldquo;Interest Payment Date&rdquo;), commencing
on October 15,
2029, and interest will be computed on the basis of a 360-day year and the actual number of days elapsed. Dollar amounts resulting
from that calculation will be rounded to the nearest cent, with one-half cent being rounded upward.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For the purpose of calculating
the interest on the Notes for each floating rate interest period during the floating rate period when the Benchmark is Three-Month Term
SOFR, &ldquo;Three-Month Term SOFR&rdquo; means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR
Administrator at the Reference Time for any floating rate interest period, as determined by the calculation agent after giving effect
to the Three-Month Term SOFR Conventions. All percentages used in or resulting from any calculation of Three-Month Term SOFR will be rounded,
if necessary, to the nearest one-hundred-thousandth of a percentage point, with 0.000005% rounded up to 0.00001%. When we use the term
 &ldquo;floating rate interest period&rdquo; we mean the period from and including the immediately preceding floating period interest payment
date in respect of which interest has been paid or duly provided for, to, but excluding, the applicable floating period interest payment
date or Maturity Date or date of earlier redemption, if applicable (except that the first floating rate interest period will commence
on July 15,
2029). See &ldquo;&mdash; Calculation Agent&rdquo; below.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following definitions
apply to the foregoing definition of Three-Month Term SOFR:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Benchmark&rdquo; means,
initially, Three-Month Term SOFR; <I>provided</I> that, if the calculation agent determines on or prior to the Reference Time for any
floating rate interest period that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect
to Three-Month Term SOFR or the then-current Benchmark, then &ldquo;Benchmark&rdquo; means the applicable Benchmark Replacement for such
interest period and any subsequent interest periods.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Corresponding Tenor&rdquo;
means (i)&nbsp;with respect to Term SOFR, three months, and (ii)&nbsp;with respect to a Benchmark Replacement, a tenor (including overnight)
having approximately the same length (disregarding business day adjustment) as the applicable tenor for the then-current Benchmark.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;FRBNY&rsquo;s Website&rdquo;
means the website of the FRBNY at http://www.newyorkfed.org, or any successor source. The foregoing Internet website is an inactive textual
reference only, meaning that the information contained on the website is not part of this prospectus supplement or the accompanying prospectus
or incorporated by reference herein or therein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Reference Time&rdquo;
with respect to any determination of the Benchmark means (i)&nbsp;if the Benchmark is Three-Month Term SOFR, the time determined by the
calculation agent after giving effect to the Three-Month Term SOFR Conventions, and (ii)&nbsp;if the Benchmark is not Three-Month Term
SOFR, the time determined by the calculation agent after giving effect to the Benchmark Replacement Conforming Changes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Relevant Governmental
Body&rdquo; means the Federal Reserve and/or the FRBNY, or a committee officially endorsed or convened by the Federal Reserve and/or the
FRBNY or any successor thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;SOFR&rdquo; means the
secured overnight financing rate published by the FRBNY, as the administrator of SOFR (or any successor administrator), on the FRBNY&rsquo;s
Website.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Term SOFR&rdquo; means
the forward-looking term rate for the applicable Corresponding Tenor based on SOFR as published by the Term SOFR Administrator.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Term SOFR Administrator&rdquo;
means CME Group Benchmark Administration Limited (CBA) (or a successor administrator of Three-Month Term SOFR selected by the calculation
agent in its reasonable discretion).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Three-Month Term SOFR
Conventions&rdquo; means any determination, decision, or election with respect to any technical, administrative, or operational matter
(including with respect to the manner and timing of the publication of Three-Month Term SOFR, or changes to the definition of &ldquo;floating
rate interest period,&rdquo; timing and frequency of determining Three-Month Term SOFR with respect to each floating rate interest period
and making payments of interest, rounding of amounts or tenors, and other administrative matters) that the calculation agent determines
may be appropriate to reflect the use of Three-Month Term SOFR as the Benchmark in a manner substantially consistent with market practice
(or, if the calculation agent determines that adoption of any portion of such market practice is not administratively feasible or if the
calculation agent determines that no market practice for the use of Three-Month Term SOFR exists, in such other manner as the calculation
agent determines is reasonably necessary).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The terms &ldquo;Benchmark
Replacement Conforming Changes,&rdquo; &ldquo;Benchmark Replacement Date,&rdquo; &ldquo;Benchmark Replacement,&rdquo; &ldquo;Benchmark
Replacement Adjustment,&rdquo; and &ldquo;Benchmark Transition Event&rdquo; have the meanings set forth under the heading &ldquo;&mdash;
Effect of Benchmark Transition Event&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding the foregoing
paragraphs related to the determination of interest, if the calculation agent determines on or prior to the relevant Reference Time that
a Benchmark Transition Event and its related Benchmark Replacement Date (each as defined below) have occurred with respect to Three-Month
Term SOFR, then the provisions set forth under the heading &ldquo;&mdash; Effect of Benchmark Transition Event,&rdquo; which we refer
to as the &ldquo;benchmark transition provisions,&rdquo; will thereafter apply to all determinations of the benchmark used to calculate
the interest rate on the Notes for each floating rate interest period. In accordance with the benchmark transition provisions, if the
calculation agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred on or prior to
the Reference Time in respect of any floating rate interest period during the floating rate period, then the Benchmark Replacement will
replace the then-current Benchmark for all purposes relating to the Notes during such floating rate interest period and the remainder
of the floating rate period.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Absent manifest error, the
calculation agent&rsquo;s determination of the interest rate for a floating rate interest period for the Notes will be binding and conclusive
on the holders of the Notes and the Trustee. The Trustee will have no duty to confirm or verify any such calculation. The calculation
agent&rsquo;s determination of any interest rate, and its calculation of interest payments, for any floating rate interest period, will
be maintained on file at the calculation agent&rsquo;s principal offices and will be made available to any holder of the Notes upon request.
The calculation agent will provide the Company and the Trustee with written notice of the interest rate in effect on the Notes promptly
after the Reference Time (or such other date of determination for the applicable Benchmark) and the Company will provide written notice
to the holders of the Notes promptly thereafter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the then-current Benchmark
is Three-Month Term SOFR, the calculation agent (which may be us) will have the right to establish the Three-Month Term SOFR Conventions,
and if any of the foregoing provisions concerning the calculation of the interest rate and interest payments during the floating rate
period are inconsistent with any of the Three-Month Term SOFR Conventions determined by the calculation agent, then the relevant Three-Month
Term SOFR Conventions will apply. Furthermore, if the calculation agent determines that a Benchmark Transition Event and its related Benchmark
Replacement Date have occurred with respect to Three-Month Term SOFR at any time when any of the Notes are outstanding, then the foregoing
provisions concerning the calculation of the interest rate and interest payments during the floating rate period will be modified in accordance
with the benchmark transition provisions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">When we use the term &ldquo;business
day,&rdquo; we mean any day, other than a Saturday or Sunday, that is neither a legal holiday nor a day on which the Trustee or banking
institutions in the City of New York, New York are authorized or obligated by law, regulation, or executive order to close.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If any floating period interest
payment date or the Maturity Date for the Notes falls on a day that is not a business day, the Company will postpone the interest payment
or the payment of principal and interest at maturity to the next succeeding business day (and any payment made on such date shall be treated
as being made on the date that the payment was first due and no interest on such payment will accrue for the period from and after such
floating period interest payment date), unless, with respect to a floating period interest payment date only, such day falls in the next
calendar month, in which case the floating period interest payment date will instead be the immediately preceding day that is a business
day, and interest will accrue to, but excluding, such floating period interest payment date as so adjusted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The interest payable on the
Notes on any floating period interest payment date, subject to certain exceptions, will be paid to the person in whose name the Notes
are registered at the close of business on the 15th calendar day (whether or not a business day) immediately preceding the floating period
interest payment date. Payments will include interest accrued to, but excluding, the relevant floating period interest payment date. However,
interest that the Company pays on the Maturity Date will be paid to the person to whom the principal will be payable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Principal and interest on
the Notes will be made in U.S. dollars at an office or agency of the Company designated for such purpose, which will initially be the
corporate trust office of the Trustee.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our obligation to make any
payment on account of the principal of, or interest on, the Notes will be subordinate and junior in right of payment to the prior payment
in full of all of our senior indebtedness. &ldquo;Senior Debt,&rdquo; which we also refer to as &ldquo;senior indebtedness,&rdquo; is
defined in the Indenture to mean all of the Company&rsquo;s:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>indebtedness for borrowed or purchased money, whether or not evidenced by bonds, debentures, notes, or other written instruments,
including any obligations of the Company to general creditors or trade creditors;</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>obligations under letters of credit;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>indebtedness or other obligations with respect to commodity contracts, interest rate and currency swap agreements, cap, floor, and
collar agreements, currency spot and forward contracts, and other similar agreements or arrangements designed to protect against fluctuations
in currency exchange or interest rates; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>guarantees, endorsements (other than by endorsement of negotiable instruments for collection in the ordinary course of business),
or other similar contingent obligations in respect of obligations of others of a type described in clauses (i), (ii), and (iii), whether
or not such obligation is classified as a liability on a balance sheet prepared in accordance with accounting principles generally accepted
in the United States;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">in each case, whether outstanding on the date
of the Indenture or arising after that time, and other than obligations ranking on a parity with the Notes or ranking junior to the Notes.
Senior Debt also includes all of our obligations to our depositors and general trade creditors. Notwithstanding the foregoing, if the
Federal Reserve (or other competent regulatory agency or authority) promulgates any rule&nbsp;or issues any interpretation that defines
general creditor(s), the main purpose of which is to establish criteria for determining whether the subordinated debt of a bank holding
company is to be included in its capital, then the term &ldquo;general creditors&rdquo; as used in the definition of &ldquo;Senior Debt&rdquo;
in the Indenture will have the meaning as described in that rule&nbsp;or interpretation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the event of any insolvency,
bankruptcy, receivership, liquidation, reorganization, readjustment, composition, or other similar proceeding relating to us or our property,
any proceeding for our liquidation, dissolution, or other winding up, whether voluntary or involuntary and whether or not involving insolvency
or bankruptcy proceedings, any assignment by us for the benefit of creditors or any other marshalling of our assets, all of our obligations
to holders of our Senior Debt will be entitled to be paid in full before any payment or distribution, whether in cash, securities or other
property, can be made on account of the principal or interest on the Notes. Only after payment in full of all amounts owing with respect
to Senior Debt will the holders of the Notes, together with the holders of any of our obligations ranking on a parity with the Notes,
be entitled to be paid from our remaining assets the amounts due and owing on account of unpaid principal of (and premium, if any) and
interest on the Notes. If, notwithstanding the foregoing, the holders of the Notes receive for any reason any payment on the Notes or
other distributions of our assets with respect to the Notes before all of our senior indebtedness is paid in full, the holders of the
Notes will be required to return that payment or distribution to the trustee or other representative on behalf of the holders of our Senior
Debt for application to the payment of all Senior Debt remaining unpaid to the extent necessary to pay all such Senior Debt in full.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the event and during the
continuation of any default in the payment of the principal of or any premium or interest on any Senior Debt beyond any applicable grace
period with respect to such Senior Debt, or in the event that any event of default with respect to any Senior Debt shall have occurred
and be continuing permitting the holders of such Senior Debt (or the trustee on behalf of the holders of such Senior Debt) to declare
such Senior Debt due and payable prior to the date on which it would otherwise have become due and payable, unless and until such event
of default shall have been cured or waived or shall have ceased to exist and such acceleration shall have been rescinded or annulled,
or in the event any judicial proceeding shall be pending with respect to any such default in payment or event of default, then no payment
shall be made by us on account of the principal of or any premium or interest on the Notes or on account of the purchase or other acquisition
of any Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">By reason of the above subordination
in favor of the holders of our senior indebtedness, in the event of our bankruptcy or insolvency, holders of our senior indebtedness may
receive more, ratably, and holders of the Notes may receive less, ratably, than our other creditors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have outstanding subordinated
notes to which the Notes will rank equally in right of payment. In addition, we may incur other indebtedness and obligations, the terms
of which may provide that such indebtedness ranks either equally with or junior in right of payment to the Notes or promissory notes,
bonds, debentures and other evidences of indebtedness of a type that includes the Notes. As discussed above, in the event of our insolvency,
bankruptcy, receivership, liquidation or other marshalling of our assets, the indebtedness and obligations ranking equally with the Notes
will participate ratably in any of our assets remaining after the payment in full of all of our senior indebtedness. In such circumstances,
our indebtedness and other obligations junior in right of payment to the Notes will not be entitled to receive any payments until the
Notes and all of our indebtedness and obligations ranking equally in right of payment to the Notes have been paid in full.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All liabilities of the Bank,
including deposits, and our other subsidiaries, including each subsidiary&rsquo;s liabilities to general creditors arising during its
ordinary course of business or otherwise, will be effectively senior in right of payment to the Notes to the extent of the assets of such
subsidiary because, as a stockholder of the subsidiary, we do not have any rights to the assets of the subsidiary except if the subsidiary
declares a dividend payable to us or if there are assets of the subsidiary remaining after it has discharged its liabilities to its creditors
in connection with its liquidation. Over the term of the Notes, we will need to rely primarily on dividends paid to us by the Bank, which
is a regulated financial institution, for the funds necessary to pay the interest on our outstanding debt obligations and to make dividends
and other payments on our other securities outstanding now or in the future. With respect to the payment of the principal of the Notes
at their maturity, we may rely on the funds we receive from dividends paid to us by our subsidiaries, but will likely have to rely on
the proceeds of borrowings and other securities we sell to pay the principal amount of the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Regulatory rules&nbsp;may
restrict the Bank&rsquo;s ability to pay dividends or make other distributions to us or to provide funds to us by other means. As a result
of the foregoing, with respect to the assets of each of our subsidiaries, our creditors (including the holders of the Notes) are structurally
subordinated to the prior claims of creditors of any such subsidiary, including the depositors of the Bank, except to the extent that
we may be a creditor with recognized claims against any such subsidiary.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As discussed above, neither
the Notes nor the Indenture contains any limitation on the amount of senior indebtedness or other obligations ranking senior to or equally
with the indebtedness evidenced by the Notes that we, the Bank or any of our other subsidiaries may incur. Any indebtedness and liabilities
of the Bank or our other subsidiaries is not a part of our senior indebtedness. The Notes will be effectively subordinate to all of the
existing and future indebtedness and liabilities, including deposit liabilities, of our subsidiaries, including the Bank. As of March&nbsp;31,
2024, on a consolidated basis, our outstanding debt and deposits totaled approximately $11.9 billion. In addition, as of March&nbsp;31,
2024, we (at the holding company level) had no indebtedness that would rank senior to the Notes, $200.2 million of indebtedness that would
rank <I>pari passu</I> to the Notes and no indebtedness that would rank junior to the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may redeem the Notes, at
our sole option, beginning with the Interest Payment Date of July 15,
2029 and on any Interest Payment Date thereafter, in whole or in part, at a redemption price equal to 100% of the principal amount of
the Notes to be redeemed, plus accrued and unpaid interest, if any, to, but excluding, the date of redemption (subject to the right of
holders of the Notes on the relevant record date to receive interest, if any, due on the relevant interest payment date), subject to prior
approval of the Federal Reserve, to the extent that such approval is then required under the rules&nbsp;of the Federal Reserve. If we
elect to redeem the Notes, we will be required to notify the Trustee of the aggregate principal amount of Notes to be redeemed and the
redemption date. Either the Company or the Trustee on behalf of the Company will provide notice of redemption to the holders of the Notes
at least 30 and not more 60 days prior to the redemption date, in the manner provided in the Indenture. Any such redemption may be subject
to the satisfaction of one or more conditions precedent set forth in the applicable notice of redemption. If fewer than all of the Notes
are to be redeemed, the selection of Notes to be redeemed will occur in accordance with the rules&nbsp;of DTC (or, in the case of any
certificated Notes, by lot, on a pro rata basis or in such other manner the Trustee deems fair and appropriate unless otherwise required
by law). The Notes are not subject to repayment at the option of the holders. The Notes may not otherwise be redeemed by us prior to the
scheduled maturity of the Notes, except we may, at our sole option, redeem the Notes at any time before the scheduled maturity of the
Notes in whole, but not in part, upon or after the occurrence of any of the following:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
 &ldquo;Tax Event,&rdquo; which is defined in the Indenture to mean the receipt by us of an opinion from independent tax counsel to the
effect that, as a result of (a)&nbsp;an amendment to or change (including any announced prospective amendment or change) in any law, treaty,
statute or code, or any regulation thereunder, of the United States or any of its political subdivisions or taxing authorities, (b)&nbsp;a
judicial decision, administrative action, official administrative pronouncement, ruling, regulatory procedure, regulation, notice or announcement,
including any notice or announcement of intent to adopt or promulgate any ruling, regulatory procedure or regulation (any of the foregoing,
an &ldquo;administrative or judicial action&rdquo;), (c)&nbsp;an amendment to or change in any official position with respect to, or any
interpretation of, an administrative or judicial action or a law or regulation of the United States that differs from the previously generally
accepted position or interpretation, or (d)&nbsp;a threatened challenge asserted in writing in connection with an audit of our federal
income tax returns or positions or a similar audit of any of our subsidiaries or a publicly known threatened challenge asserted in writing
against any other taxpayer that has raised capital through the issuance of securities that are substantially similar to the Notes, in
each case, occurring or becoming publicly known on or after the date of original issuance of the Notes, there is more than an insubstantial
increase in the risk that the interest paid by us on the Notes is not, or within 90 days of receipt of such opinion of tax counsel, will
not be, deductible by us, in whole or in part, for U.S. federal income tax purposes;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
 &ldquo;Tier 2 Capital Event,&rdquo; which is defined in the Indenture to mean the Company&rsquo;s good faith determination that, as a
result of (a)&nbsp;any amendment to, or change in, the laws, rules&nbsp;or any regulations of the United States or any agency or instrumentality
of the United States, including the Federal Reserve and other federal bank regulatory agencies, or political subdivision in or of the
United States that is enacted or becomes effective after the original issue date of the Notes, (b)&nbsp;any proposed changes in those
law, rules&nbsp;or regulations that is announced or becomes effective after the original issue date of the Notes, or (c)&nbsp;any official
administrative pronouncement or judicial decision or administrative action or other official pronouncement interpreting or applying such
laws, rules, regulations, policies or guidelines with respect thereto that is announced on or after the date of original issuance of the
Notes, there is more than an insubstantial risk that the Company will not be entitled to treat the Notes as Tier 2 capital (or its then
equivalent if we were subject to such capital requirement) for purposes of capital adequacy guidelines of the Federal Reserve (or any
successor regulatory authority with jurisdiction over bank holding companies), as then in effect and applicable to us; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;our
becoming required to register as an investment company pursuant to the Investment Company Act.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Any
such redemption of the Notes will be at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus accrued
and unpaid interest, if any, to, but excluding, the date of redemption. Notwithstanding the foregoing, installments of interest on any
Notes that are due and payable on Interest Payment Dates falling on or prior to the applicable date of redemption will be payable on such
Interest Payment Dates to the registered holders at the close of business on the relevant record dates in accordance with the Notes and
the Indenture. </FONT>Any such redemption may be subject to the satisfaction of one or more conditions precedent set forth in the applicable
notice of redemption. Any redemption of the Notes would require prior approval of the Federal Reserve, to the extent that such approval
is then required under the rules&nbsp;of the Federal Reserve.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Notes Are Intended to Qualify as Tier 2
Capital</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We intend to treat the Notes
as Tier 2 capital under the capital adequacy rules&nbsp;established by the Federal Reserve for bank holding companies, as the same may
be amended or supplemented from time to time. The rules&nbsp;set forth specific criteria for instruments to qualify as Tier 2 capital.
Among other things, the Notes must:</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>have a minimum original maturity of at least five years;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>be subordinated to depositors and general creditors, which, in our case, will be to the holders of our senior indebtedness;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">not contain provisions permitting the holders of the Notes to accelerate payment of principal or interest prior to maturity except
in the event of receivership, insolvency, liquidation or similar proceedings of the institution;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">only be callable after a minimum of five years following issuance, except upon certain special events, and, in any case, subject to
obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules&nbsp;of the Federal Reserve;
and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">unless the Federal Reserve authorizes us to do otherwise in writing, not be redeemed or repurchased unless they are replaced with
an equivalent amount of other Tier 2 capital instruments or we can demonstrate to the satisfaction of the Federal Reserve that following
redemption, we will continue to hold capital commensurate with our risk.</TD></TR></TABLE>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Events of Default; Limitation on Suits</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the Indenture, an event
of default permitting acceleration of the maturity of the Notes will occur with respect to the Notes upon any one of the following events:
(1)&nbsp;a court having jurisdiction in the premises entering into a decree or order for relief in respect of us or a principal subsidiary
bank of ours in an involuntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or a
receiver, liquidator, assignee, custodian, trustee, sequestrator (or similar official) of us or a principal subsidiary bank of ours being
appointed for us or for any substantial part of our property or for a principal subsidiary bank of ours, or a court or a bank regulatory
authority having jurisdiction in the premises, appointing a receiver or similar official, or ordering the winding-up or liquidation of
the affairs of us or a principal subsidiary bank of ours, and such decree or order remaining unstayed and in effect for a period of 60
consecutive days; or (2)&nbsp;we or a principal subsidiary bank of ours commencing a voluntary case under any applicable bankruptcy,
insolvency or other similar law now or hereafter in effect, or consenting to the entry of an order for relief in any involuntary case
under any such law, or we or a principal subsidiary bank of ours consenting to the appointment of or being taken possession by a receiver,
liquidator, assignee, trustee, custodian, sequestrator (or similar official) of us or a principal subsidiary bank of ours or for any
substantial part of its property, or making any general assignment for the benefit of our creditors, or failing generally to pay our
debts as they become due or taking any corporate action in furtherance of any of the foregoing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The term &ldquo;principal
subsidiary bank&rdquo; means each of (1)&nbsp;any bank subsidiary the consolidated assets of which as set forth in the most recent statement
of condition of such bank subsidiary constitute 40% or more of our consolidated assets as determined from our most recent quarterly balance
sheet and (2)&nbsp;any other bank subsidiary designated as a &ldquo;principal subsidiary bank&rdquo; by our Board of Directors; <I>provided
</I>that if the Federal Reserve notifies us that our bank subsidiary that is a principal subsidiary bank applying the tests in clause
(1)&nbsp;or (2)&nbsp;above does not qualify as a &ldquo;major subsidiary depository institution&rdquo; within the requirements of the
Federal Reserve&rsquo;s risk-based capital guidelines or regulations applicable to bank holding companies, such bank subsidiary will
not be a principal subsidiary bank from and after the time we receive from the Federal Reserve such a notice. Currently, the Bank is
our only principal subsidiary bank and therefore is a &ldquo;principal subsidiary bank.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If an event of default permitting
acceleration of the maturity of the Notes occurs and is continuing, either the Trustee or the holders of not less than 25% in aggregate
principal amount of the outstanding Notes may declare the principal of all the Notes to be due and payable immediately, by a notice in
writing to us (and to the Trustee if given by the holders), and upon any such declaration such principal or such lesser amount shall
become immediately due and payable. The foregoing provision would, in the event of bankruptcy or insolvency involving the Company or
the Bank, be subject as to enforcement to the broad equity powers of a federal bankruptcy court and to the determination by that court
of the nature and status of the payment claims of the holders of the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At any time after a declaration
of acceleration has been made with respect to the Notes, and before a judgment or decree for payment of the money due has been obtained
by the Trustee as provided in the Indenture, the Holders of a majority in principal amount of the outstanding Notes may waive all defaults
and may rescind and annul such declaration and the consequences of the event of default if (a)&nbsp;the Company has paid or deposited
with the Trustee a sum sufficient to pay all overdue interest on all Notes, the principal of (and premium, if any, on) any Notes which
have become due otherwise than by such declaration of acceleration and any interest on such Notes at the rate or rates prescribed herein
and in the Notes, and sums paid or advanced by the Trustee under this Indenture and the compensation, expenses, disbursements, and advances
of the Trustee, its agents, and counsel; and (b)&nbsp;all defaults with respect to the Notes, other than the non-payment of the principal
of the Notes which has become due solely by such acceleration, have been cured or waived.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Indenture provides that
the holders of not less than a majority in principal amount of the outstanding Notes may, on behalf of all holders of Notes, waive any
past default with respect to the Notes and the consequences of default, other than (i)&nbsp;a continuing default in the payment of principal
of or interest on any Note, or (ii)&nbsp;any breach in respect of a covenant or provision of the Indenture that cannot be modified or
amended without the consent of the holder of each outstanding Note.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If we default in our obligation
to pay any interest on the Notes when due and payable and such default continues for a period of 30 days, or if we default in our obligation
to pay the principal amount (or premium, if any) due upon maturity, and such default continues for a period of 30 days, or if we default
in the performance, or breach, of any covenant or warranty we are subject to under the Indenture (other than those covenants and warranties
a default in the performance of which or breach of which is expressly addressed elsewhere in the Indenture or which is expressly included
solely for the benefit of a different series of securities), and such default continues for a period of 30 days after written notice
has been given by the Trustee to us or to us and the Trustee by the holders of at least 25% in principal amount of the outstanding Notes,
then the Trustee may demand that we pay to it, for the benefit of the holders of such Notes, the whole amount then due and payable on
such Notes for principal and any premium and interest (and additional interest and costs and expenses of collection, if applicable).
If we fail to pay such amounts immediately upon such demand, the Trustee, in its own name and as Trustee, may institute a judicial proceeding
for the collection of the sums so due and unpaid. If an event of default occurs and is continuing, the Trustee may, in its discretion,
proceed to protect and enforce its rights and the rights of the holders of Notes by such appropriate judicial proceedings as the Trustee
may deem most effectual to protect and enforce any such rights. The Trustee and holders of the Notes may not accelerate the maturity
of the Notes, except upon our or our principal subsidiary bank&rsquo;s bankruptcy, insolvency, liquidation, receivership or similar events
as described above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">No holder of Notes will have
any right to institute any proceeding, judicial or otherwise, with respect to the Indenture, or for the appointment of a receiver or
trustee, or for any other remedy under the Indenture, unless:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">such
                                            holder has previously given written notice to the Trustee of a continuing event of default
                                            with respect to the Notes;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">the
                                            holders of not less than 25% in principal amount of the outstanding Notes shall have made
                                            written request to the Trustee to institute proceedings in respect of such event of default
                                            in its own name as Trustee under the Indenture;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">such
                                            holder or holders have offered and, if requested, provided to the Trustee security or indemnity
                                            satisfactory to the Trustee against the costs, expenses, and liabilities to be incurred in
                                            complying with such request;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">the
                                            Trustee for 60 days after its receipt of such notice, request, and offer, or provision, of
                                            indemnity has failed to institute any such proceeding; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">no
                                            direction inconsistent with such written request has been given to the Trustee during such
                                            60-day period by the holders of a majority in principal amount of the outstanding Notes.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">These limitations do not
apply to a suit instituted by a holder of Notes for the enforcement of payment of the principal of or interest on the Notes on or after
the Maturity Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Indenture provides that
the Trustee will be under no obligation to exercise any of its rights or powers under the Indenture at the request or direction of any
of the holders of Notes unless such holders have offered and, if requested, provided to the Trustee indemnity or security satisfactory
to the Trustee against the costs, expenses and liabilities that may be incurred by it in complying with such request or direction. Subject
to certain provisions in the Indenture, the holders of a majority in principal amount of the Notes outstanding from time to time will
have the right to direct the time, method and place of conducting any proceeding for any remedy available to the Trustee or exercising
any trust or power conferred on the Trustee with respect to the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may choose to either discharge
our obligations under the Indenture and the Notes in a legal defeasance or to release ourselves from certain or all of our covenant restrictions
under the Indenture and the Notes in a covenant defeasance. If we choose the legal defeasance option, the holders of the Notes will not
be entitled to the benefits of the Indenture except for certain limited rights, including registration of transfer and exchange of Notes,
replacement of lost, stolen or mutilated Notes and the right to receive payments of the principal of (and premium, if any) and interest
on such Notes when such payments are due.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may elect legal defeasance
or covenant defeasance only if we meet certain requirements. Among other things, we must irrevocably deposit with the Trustee for the
benefit of the holders of the Notes sufficient cash and/or U.S. government securities to pay the principal of (and premium, if any) and
interest and any other sums due on the Maturity Date or a redemption date of the Notes. In addition, we must deliver to the Trustee an
opinion of our legal counsel to the effect that beneficial owners of the Notes will not recognize income, gain or loss for federal income
tax purposes as a result of such defeasance and will be subject to federal income tax on the same amount, in the same manner and at the
same times, as would have been the case if such deposit and defeasance had not occurred. In the case of legal defeasance only, this opinion
must be based on either a ruling received from or published by the Internal Revenue Service (the &ldquo;IRS&rdquo;) or a change in the
applicable federal income tax law after the date hereof. We may not have an event of default under the Indenture or the Notes on the
date of deposit. The defeasance may not cause the Trustee to have a conflicting interest for purposes of the Trust Indenture Act of 1939,
as amended (the &ldquo;Trust Indenture Act&rdquo;), and may not cause the resulting trust to become an investment company under the Investment
Company Act. The defeasance may not violate any of our agreements to which we are a party or by which we are bound.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any defeasance of the Notes
pursuant to the Indenture will be subject to our obtaining the prior approval of the Federal Reserve and any additional requirements
that the Federal Reserve may impose with respect to defeasance of the Notes. Notwithstanding the foregoing, if, due to a change in law,
regulation or policy subsequent to the issue date of the Notes the Federal Reserve does not require that defeasance of instruments be
subject to Federal Reserve approval in order for the instrument to be accorded Tier 2 capital treatment, then no such approval of the
Federal Reserve will be required for such defeasance.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may discharge our obligations
under the Indenture and the Notes (except for certain surviving rights of the Trustee and our obligations in connection therewith) if:
(a)&nbsp;all outstanding Notes and all other outstanding notes issued under the Indenture (i)&nbsp;have been delivered to the Trustee
for cancellation, or (ii)&nbsp;(1)&nbsp;have become due and payable, (2)&nbsp;will become due and payable at their stated maturity within
one year, or (3)&nbsp;are to be called for redemption within one year under arrangements satisfactory to the Trustee for the giving of
notice and redemption by the Trustee (and in each case, we have irrevocably deposited with the Trustee an amount sufficient to pay and
discharge the principal of (and premium, if any) and interest on all outstanding Notes and any other sums due on the stated maturity
date or redemption date, as the case may be); (b)&nbsp;we have paid all other sums payable by us under the Indenture; and (c)&nbsp;we
have delivered to the Trustee an officers&rsquo; certificate and opinion of counsel confirming that all conditions precedent with respect
to the satisfaction and discharge of the Indenture have been satisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Consolidation, Merger and Sale of Assets</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Indenture provides that
we may not consolidate with or merge with or into, or convey, transfer or lease all or substantially all of our properties and assets
to any person, unless:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">the
                                            person or entity formed by such consolidation or into which we are merged or the person or
                                            entity which acquires by conveyance, transfer or lease substantially all of our properties
                                            and assets is a corporation, partnership or trust organized and validly existing under the
                                            laws of the United States or any state or the District of Columbia, and expressly assumes,
                                            by supplemental indenture, executed and delivered by the trustee, in form satisfactory to
                                            the trustee, the due and punctual payment of the principal of and interest on all of the
                                            outstanding Notes and the performance and observance of all of the covenants of the Indenture
                                            to be performed or observed by us;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">immediately
                                            after giving effect to such transaction, and treating any indebtedness that becomes an obligation
                                            of ours or our subsidiaries as a result of such transaction as having been incurred by us
                                            or such subsidiary at the effective date of such transaction, no event of default under the
                                            Indenture will have occurred;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">if,
                                            as a result of any such consolidation or merger or such conveyance, transfer or lease, properties
                                            or assets of the Company would become subject to a mortgage, pledge, lien, security interest
                                            or other encumbrance which would not be permitted by the Indenture, the Company or such successor
                                            person must take such steps to secure the Notes equally and ratably with (or prior to) all
                                            indebtedness secured thereby; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">we
                                            have complied with our obligations to deliver certain documentation to the Trustee, including
                                            an officers&rsquo; certificate and opinion of counsel each stating that such proposed transaction
                                            and any supplemental indenture comply with the Indenture.</TD></TR></TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may, from time to time,
without notice to or the consent of the holders of the Notes, create and issue additional notes ranking equally with the Notes and with
identical terms in all respects (or in all respects except for the issue date, the issue price, the initial interest accrual date and
the first interest payment date following the issue date of such additional notes) in order that such additional notes may be consolidated
and form a single series with the Notes and have the same terms as to status, redemption or otherwise as the Notes, subject to the procedures
of the DTC. However, no such additional Notes may be issued unless (1)&nbsp;they will be fungible with the Notes for U.S. securities
law purposes; (2)&nbsp;such additional Notes are issued pursuant to a &ldquo;qualified reopening&rdquo; of the Notes offered hereby for
U.S. federal income tax purposes, or such additional Notes are, and the Notes offered hereby were, issued without any original issue
discount for U.S. federal income tax purposes; and (3)&nbsp;the additional Notes have the same CUSIP number as the Notes offered hereby.
No additional Notes may be issued if any event of default has occurred and is continuing with respect to the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Trustee may conclusively
rely upon officers&rsquo; certificates, opinions or other documents furnished to it under the Indenture and will have no responsibility
to confirm or investigate the accuracy of mathematical calculations or other facts stated therein. The Trustee will have no responsibility
for monitoring our compliance with any of our covenants under the Indenture.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Effect of Benchmark Transition Event</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the calculation agent
determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred on or prior to the Reference Time
in respect of any floating rate interest period during the floating rate period, then the Benchmark Replacement will replace the then-current
Benchmark for all purposes relating to the Notes during such floating rate interest period and all subsequent floating rate interest
periods. In connection with the implementation of a Benchmark Replacement, the calculation agent will have the right to make Benchmark
Replacement Conforming Changes from time to time.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Benchmark Replacement&rdquo;
means the Interpolated Benchmark with respect to the then-current Benchmark, plus the Benchmark Replacement Adjustment for such Benchmark;
<I>provided</I> that if (i)&nbsp;the calculation agent cannot determine the Interpolated Benchmark as of the Benchmark Replacement Date
or (ii)&nbsp;the then-current Benchmark is Three-Month Term SOFR and a Benchmark Transition Event and its related Benchmark Replacement
Date have occurred with respect to Three-Month Term SOFR (in which event no Interpolated Benchmark with respect to Three-Month Term SOFR
will be determined), then &ldquo;Benchmark Replacement&rdquo; means the first alternative set forth in the order below that can be determined
by the calculation agent as of the Benchmark Replacement Date:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Compounded
SOFR;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
sum of: (a)&nbsp;the alternate rate that has been selected or recommended by the Relevant Governmental Body as the replacement for the
then-current Benchmark for the applicable Corresponding Tenor and (b)&nbsp;the Benchmark Replacement Adjustment;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
sum of: (a)&nbsp;the ISDA Fallback Rate and (b)&nbsp;the Benchmark Replacement Adjustment; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
sum of: (a)&nbsp;the alternate rate that has been selected by the calculation agent as the replacement for the then-current Benchmark
for the applicable Corresponding Tenor, giving due consideration to any industry-accepted rate as a replacement for the then-current
Benchmark for U.S. dollar-denominated floating rate securities at such time, and (b)&nbsp;the Benchmark Replacement Adjustment.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Benchmark Replacement
Adjustment&rdquo; means the first alternative set forth in the order below that can be determined by the calculation agent as of the
Benchmark Replacement Date:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
spread adjustment, or method for calculating or determining such spread adjustment (which may be a positive or negative value or zero),
that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the ISDA Fallback Adjustment; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
spread adjustment (which may be a positive or negative value or zero) that has been selected by the calculation agent, giving due consideration
to any industry-accepted spread adjustment or method for calculating or determining such spread adjustment, for the replacement of the
then-current Benchmark with the applicable Unadjusted Benchmark Replacement for U.S. dollar-denominated floating rate securities at such
time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Benchmark Replacement
Conforming Changes&rdquo; means, with respect to any Benchmark Replacement, any technical, administrative, or operational changes (including,
without limitation, changes to the definition of &ldquo;floating rate interest period,&rdquo; timing and frequency of determining rates
with respect to each floating rate interest period and making payments of interest, rounding of amounts or tenors, and other administrative
matters) that the calculation agent determines may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially
consistent with market practice (or, if the calculation agent determines that adoption of any portion of such market practice is not
administratively feasible or if the calculation agent determines that no market practice for use of the Benchmark Replacement exists,
in such other manner as the calculation agent determines is reasonably necessary).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Benchmark Replacement
Date&rdquo; means the earliest to occur of the following events with respect to the then-current Benchmark:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;in
the case of clause (1)&nbsp;of the definition of &ldquo;Benchmark Transition Event,&rdquo; the relevant Reference Time in respect of
any determination;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;in
the case of clause (2)&nbsp;or (3)&nbsp;of the definition of &ldquo;Benchmark Transition Event,&rdquo; the later of (a)&nbsp;the date
of the public statement or publication of information referenced therein and (b)&nbsp;the date on which the administrator of the Benchmark
permanently or indefinitely ceases to provide the Benchmark; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;in
the case of clause (4)&nbsp;of the definition of &ldquo;Benchmark Transition Event,&rdquo; the date of the public statement or publication
of information referenced therein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For the avoidance of doubt,
if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the Reference Time in respect
of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference Time for such determination.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Benchmark Transition
Event&rdquo; means the occurrence of one or more of the following events with respect to the then-current Benchmark:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if
the Benchmark is Three-Month Term SOFR, we determine that the use of a forward-looking rate for a tenor of three months based on SOFR
is not administratively feasible;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;a
public statement or publication of information by or on behalf of the administrator of the Benchmark announcing that such administrator
has ceased or will cease to provide the Benchmark, permanently or indefinitely, <I>provided</I> that, at the time of such statement or
publication, there is no successor administrator that will continue to provide the Benchmark;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;a
public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark, the central bank
for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority
with jurisdiction over the administrator for the Benchmark or a court or an entity with similar insolvency or resolution authority over
the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will cease to provide the Benchmark
permanently or indefinitely, <I>provided</I> that, at the time of such statement or publication, there is no successor administrator
that will continue to provide the Benchmark; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;a
public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark announcing that the
Benchmark is no longer representative.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Compounded SOFR&rdquo;
means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this rate, and conventions
for this rate being established by the calculation agent in accordance with:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;the
rate, or methodology for this rate, and conventions for this rate selected or recommended by the Relevant Governmental Body for determining
Compounded SOFR; <I>provided</I> that:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2)&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;if,
and to the extent that, the calculation agent determines that Compounded SOFR cannot be determined in accordance with clause (1)&nbsp;above,
then the rate, or methodology for this rate, and conventions for this rate that have been selected by the calculation agent giving due
consideration to any industry-accepted market practice for U.S. dollar-denominated floating rate securities at such time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For the avoidance of doubt,
the calculation of Compounded SOFR will exclude the Benchmark Replacement Adjustment and the spread specified above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Interpolated Benchmark&rdquo;
with respect to the Benchmark means the rate determined by the calculation agent for the Corresponding Tenor by interpolating on a linear
basis between: (i)&nbsp;the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the Corresponding
Tenor, and (ii)&nbsp;the Benchmark for the shortest period (for which the Benchmark is available) that is longer than the Corresponding
Tenor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;ISDA&rdquo; means
the International Swaps and Derivatives Association,&nbsp;Inc. or any successor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;ISDA Definitions&rdquo;
means the 2006 ISDA Definitions published by ISDA, as amended or supplemented from time to time, or any successor definitional booklet
for interest rate derivatives published from time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;ISDA Fallback Adjustment&rdquo;
means the spread adjustment (which may be a positive or negative value or zero) that would apply for derivatives transactions referencing
the ISDA Definitions to be determined upon the occurrence of an index cessation event with respect to the Benchmark for the applicable
tenor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;ISDA Fallback Rate&rdquo;
means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective upon the occurrence of
an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable ISDA Fallback Adjustment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;Unadjusted Benchmark
Replacement&rdquo; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The terms &ldquo;Corresponding
Tenor,&rdquo; &ldquo;FRBNY&rsquo;s Website,&rdquo; &ldquo;Reference Time,&rdquo; &ldquo;Relevant Governmental Body,&rdquo; &ldquo;SOFR&rdquo;
and &ldquo;Term SOFR&rdquo; have the meanings set forth under the heading &ldquo;&mdash; Floating Rate Period&rdquo; above.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We and the calculation agent
are expressly authorized to make certain determinations, decisions, and elections under the terms of the Notes, including with respect
to the use of Three-Month Term SOFR as the Benchmark for the floating rate period and under the benchmark transition provisions. Any
determination, decision, or election that may be made by us or by the calculation agent under the terms of the Notes, including any determination
with respect to a tenor, rate, or adjustment or of the occurrence or non-occurrence of an event, circumstance, or date and any decision
to take or refrain from taking any action or any selection:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></FONT></TD><TD STYLE="text-align: justify">will
                                            be conclusive and binding on the holders of the Notes, us (if we are not also the calculation
                                            agent) and the Trustee absent manifest error;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if
                                            made by us as calculation agent, will be made in our sole discretion;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">if
                                            made by a calculation agent other than us, will be made after consultation with us, and the
                                            calculation agent will not make any such determination, decision, or election to which we
                                            reasonably object; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">notwithstanding
                                            anything to the contrary in the Indenture or the Notes, will become effective without consent
                                            from the holders of the Notes or the Trustee or any other person.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the calculation agent
fails to make any determination, decision, or election that it is required to make under the terms of the applicable Notes, then we will
make such determination, decision, or election on the same basis as described above. In connection with such determination, decision,
or election, the Company will be treated as the calculation agent for all purposes under the terms of the Indenture. The Indenture provides
that the Trustee will have no liability relating to the calculation agent&rsquo;s or our determination, decision, or election with respect
to a tenor, rate, or adjustment or of the occurrence or non-occurrence of an event, circumstance, or date and any decision to take or
refrain from taking any action or any selection related to rate-setting or with respect to any delay caused by the calculation agent&rsquo;s
failure to timely or appropriately determine the rate of interest borne by the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Indenture provides that
we and the Trustee may amend or supplement the Indenture or the Notes with, or, in certain cases, without the consent of the holders
of a majority in principal amount of the outstanding Notes; provided, that any amendment or waiver may not, without the consent of the
noteholder of each outstanding Note affected thereby:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">change
                                            the stated maturity of the principal of, or any installment of principal of or interest,
                                            if any, on, any Notes, or reduce the principal amount thereof or premium, if any, on or the
                                            rate of interest thereon;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">reduce
                                            the percentage in principal amount of Notes required to modify or amend the Indenture or
                                            for any waiver provided for in the Indenture;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">impair
                                            the right to institute suit for the enforcement of any payment of principal of, premium,
                                            if any, or interest on, any Notes;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">modify
                                            the provisions of the Indenture with respect to the subordination of any Notes in a manner
                                            adverse to the noteholders or adverse to the capital treatment of the Notes; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">modify
                                            any of the provisions of the Base Indenture relating to the execution of supplemental indentures
                                            with the consent of noteholders which are discussed in Section&nbsp;902 of the Indenture
                                            or modify any provisions relating to the waiver by noteholders of past defaults and covenants,
                                            except to increase any required percentage or to provide that other provisions of the Base
                                            Indenture cannot be modified or waived without the consent of the noteholder of each outstanding
                                            Note affected thereby; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">modify
                                            or affect in any manner adverse to the holders of the Notes the terms and conditions of the
                                            Company&rsquo;s obligation in respect of the due and punctual payment of the principal of
                                            or premium or interest on the Notes.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, we and the Trustee may modify and amend the Indenture
without the consent of any holders of Notes for any of the following purposes:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">to
                                            evidence the succession of another corporation to the Company&rsquo;s obligations in respect
                                            of the Indenture and the Notes and the assumption by the other corporation of the Company&rsquo;s
                                            obligations thereunder;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            evidence the acceptance of appointment by a successor trustee with respect to the Notes;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">to
                                            add to the covenants and events of defaults for the benefit of the holders of the Notes or
                                            to surrender any right or power conferred upon the Company in the Indenture or to make any
                                            change that does not adversely affect the rights of any holder of the Notes in any material
                                            respect;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">to
                                            add to, change or eliminate any of the provisions of the Indenture, <I>provided</I> that
                                            any such addition, change or elimination shall become effective only when there are no Notes
                                            entitled to the benefit of such provision outstanding;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            secure the Notes or add obligors or collateral;</TD></TR></TABLE>

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

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

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    <DIV STYLE="break-before: page; 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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            establish the forms or terms of the securities of any series issued under the Indenture;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            provide for additional Notes;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            cure any ambiguity, defect or inconsistency in the Indenture;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            qualify the Indenture under the Trust Indenture Act;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to
                                            provide for uncertificated securities in addition to certificated securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">to
                                            conform the text of the Indenture or the Notes to any provision of the &ldquo;Description
                                            of Notes&rdquo; in the prospectus supplement applicable to the Notes at the time of the initial
                                            sale thereof; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">to
                                            comply with the rules&nbsp;or regulations of any securities exchange or automated quotation
                                            system on which the Notes may be listed or traded.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Trustee shall be entitled
to receive an officers&rsquo; certificate and opinion of counsel confirming that all conditions precedent are satisfied with respect
to any supplemental indenture, that such supplemental indenture is authorized and permitted and that such supplemental indenture is the
legal, valid and binding obligation of DCOM, enforceable against it in accordance with its terms.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We will appoint a calculation
agent for the Notes (which may be us or an affiliate) prior to the commencement of the floating rate period. We expect to act as the
initial calculation agent. We may remove the calculation agent at any time. If the calculation agent is unable or unwilling to act as
calculation agent or is removed by us, we will promptly appoint a replacement calculation agent. If at any time there is no calculation
agent appointed by us, then we will be the calculation agent. The Indenture provides that the Trustee will not be under any duty to succeed
to, assume or otherwise perform any of the duties of the calculation agent, or to appoint a successor or replacement in the event of
the calculation agent&rsquo;s resignation or removal or to replace the calculation agent in the event of a default, breach or failure
of performance on the part of the calculation agent with respect to the calculation agent&rsquo;s duties under the Indenture.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">DTC or any successor depositary
will act as securities depositary for the Notes. The Notes will be issued initially in the form of one or more fully registered global
notes (each such global note, a &ldquo;global note&rdquo;), registered in the name of DTC or its nominee and deposited with DTC or its
designated custodian or such other depositary as any officer of the Company may designate. No holder of any beneficial interest in any
global note held on its behalf by a depositary will have any rights under the indenture with respect to such global note, and such depositary
may be treated by the Company, the Trustee and any agent of the Company or the Trustee as the owner of such global note for all purposes
whatsoever. Beneficial interests in the global notes will be represented through book-entry accounts of financial institutions acting
on behalf of beneficial owners as direct and indirect participants in DTC. Investors may not elect to receive a certificate representing
their Notes while the Notes are held by a depositary. Investors may elect to hold interests in the global notes through DTC either directly
if they are participants in DTC or indirectly through organizations that are participants in DTC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The laws of some jurisdictions
may require that some purchasers of securities take physical delivery of securities in definitive form. These laws may impair the ability
to transfer beneficial interests in the Notes, so long as global notes represent the corresponding securities.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">DTC has advised us that it
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&nbsp;17A of the Exchange
Act. DTC holds securities that its direct participants deposit with DTC. DTC also facilitates the post-trade settlement among participants
of sales and other securities transactions in deposited securities, through electronic computerized book-entry transfers and pledges
between participants&rsquo; accounts. This eliminates the need for physical movement of securities certificates. Direct participants
include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing corporations and certain other organizations.
DTC is a wholly owned subsidiary of The Depository Trust&nbsp;&amp; Clearing Corporation, which, in turn, is owned by a number of direct
participants of DTC. Access to the DTC system is also available to others, referred to as indirect participants, such as both U.S. and
non-U.S. securities brokers and dealers, banks, trust companies and clearing corporations that clear through or maintain a direct or
indirect custodial relationship with a direct participant. The rules&nbsp;applicable to DTC and its participants are on file with the
SEC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Purchases of securities under
the DTC system must be made by or through direct participants in DTC, who will receive a credit for the securities on DTC&rsquo;s records.
The ownership interest of each beneficial owner of securities will be recorded on the direct or indirect participants&rsquo; records.
Beneficial owners will not receive written confirmation from DTC of their purchase. Beneficial owners are, however, expected to receive
written confirmations providing details of the transaction, as well as periodic statements of their holdings, from the direct or indirect
participant through which the beneficial owner entered into the transaction. Under a book-entry format, holders may experience some delay
in their receipt of payments made with respect to the Notes, as such, the paying agent for the Notes will forward payments to Cede&nbsp;&amp;
Co., as nominee for DTC. DTC will forward the payments to its participants, who will then forward them to indirect participants or holders.
Beneficial owners of securities other than DTC or its nominees will not be recognized by the relevant registrar, transfer agent, paying
agent or trustee as registered holders of the Notes entitled to the benefits of the Indenture. 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: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">To facilitate subsequent
transfers, all securities deposited by direct participants with DTC are registered in the name of DTC&rsquo;s partnership nominee, Cede&nbsp;&amp;
Co., or such other name as may be requested by an authorized representative of DTC. The deposit of securities with DTC and their registration
in the name of Cede&nbsp;&amp; Co. or such other DTC nominee do not result in any change in beneficial ownership of those securities.
DTC does not have, and is not anticipated to have, any knowledge of the actual beneficial owners of the Notes, as DTC&rsquo;s records
reflect only the identity of the direct participants to whose accounts the Notes are credited, which may or may not be the beneficial
owners. The direct and indirect participants will remain responsible for keeping account of their holdings on behalf of their customers.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Conveyance of redemption
notices and other communications by DTC to direct participants, by direct participants to indirect participants, and by direct and indirect
participants to beneficial owners will be governed by arrangements among them, subject to any statutory or regulatory requirements as
may be in effect from time to time. If less than all of the securities of any class 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: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither DTC nor Cede&nbsp;&amp;
Co. (nor any other DTC nominee) will consent or vote with respect to any securities unless authorized by a direct participant in accordance
with DTC&rsquo;s procedures. Under its usual procedures, DTC mails an omnibus proxy to the issuer as soon as possible after the record
date. The omnibus proxy assigns Cede&nbsp;&amp; Co.&rsquo;s consenting or voting rights to those direct participants to whose accounts
securities are credited on the record date (identified in a listing attached to the omnibus proxy).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">DTC may discontinue providing
its services as securities depositary with respect to the Notes at any time by giving reasonable notice to the issuer or its agent. Under
these circumstances, in the event that a successor securities depositary is not obtained, certificates for the Notes are required to
be printed and delivered. We may decide to discontinue the use of the system of book-entry-only transfers through DTC (or a successor
securities depositary). In that event, certificates for the Notes will be printed and delivered to DTC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As long as DTC or its nominee
is the registered owner of the global note representing the Notes, DTC or its nominee, as the case may be, will be considered the sole
owner and holder of that global note and all Notes represented by that global note for all purposes under the instruments governing the
rights and obligations of holders of such securities. Except in the limited circumstances referred to in the accompanying prospectus,
owners of beneficial interests in the global note:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">will
                                            not be entitled to have such global note or the Notes represented by that global note registered
                                            in their names;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">will
                                            not receive or be entitled to receive physical delivery of securities certificates in exchange
                                            for beneficial interests; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">will
                                            not be considered to be owners or holders of that global note or any Notes represented by
                                            that global note for any purpose under the instruments governing the rights and obligations
                                            of holders of such securities.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Payment of redemption proceeds
and payments of principal of, and interest on, the Notes represented by the global note and all transfers and deliveries of such global
note will be made to DTC or its nominee, as the case may be, as the registered holder of the global note. DTC&rsquo;s practice is to
credit its direct participants&rsquo; accounts upon DTC&rsquo;s receipt of funds and corresponding detail information from the issuer
or its agent, on the payment date in accordance with their respective holdings shown on DTC&rsquo;s records. Payments by participants
to beneficial owners of the Notes will be governed by standing instructions and customary practices of those participants, as is the
case with securities held for the accounts of customers in bearer form or registered in &ldquo;street name,&rdquo; and will be the responsibility
of that participant and not of DTC, the depositary, the issuer, the Trustee, the paying agent or any of their respective agents, subject
to any statutory or regulatory requirements as may be in effect from time to time. Payment of redemption proceeds and payments of principal
of, or interest on, the Notes to Cede&nbsp;&amp; Co. (or such other nominee as may be requested by an authorized representative of DTC)
are the responsibility of the issuer or its agent, disbursement of such payments to direct participants will be the responsibility of
DTC, and disbursement of such payments to the beneficial owners of the Notes will be the responsibility of direct and indirect participants.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Ownership of beneficial interests
in the global note will be limited to participants or persons that may hold beneficial interests through institutions that have accounts
with DTC or its nominee. Ownership of beneficial interests in the global note will be shown only on, and the transfer of those ownership
interests will be effected only through, records maintained by DTC or its nominee, with respect to participants&rsquo; interests, or
any participant, with respect to interests of persons held by the participant on their behalf. Payments, transfers, deliveries, exchanges,
redemptions and other matters relating to beneficial interests in the global note may be subject to various policies and procedures adopted
by DTC from time to time. None of the Company, the Trustee or any agent for any of them will have any responsibility or liability for
any aspect of DTC&rsquo;s or any direct or indirect participant&rsquo;s records relating to, or for payments made on account of, beneficial
interests in the global note, or for maintaining, supervising or reviewing any of DTC&rsquo;s records or any direct or indirect participant&rsquo;s
records relating to these beneficial ownership interests.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Although DTC has agreed to
the foregoing procedures in order to facilitate transfer of interests in the global note among participants, DTC is under no obligation
to perform or continue to perform these procedures, and these procedures may be discontinued at any time. Neither the Company nor the
Trustee nor any agent for either of them will have any responsibility for the performance by DTC or its direct participants or indirect
participants under the rules&nbsp;and procedures governing DTC or the standby instructions or customary procedures of the participants.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Because DTC can act only
on behalf of direct participants, who in turn act only on behalf of direct or indirect participants, and certain banks, trust companies
and other persons approved by it, the ability of a beneficial owner of the Notes to pledge them to persons or entities that do not participate
in the DTC system may be limited due to the unavailability of physical certificates for the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">DTC has advised us that it
will take any action permitted to be taken by a registered holder of any securities under the Indenture only at the direction of one
or more participants to whose accounts with DTC the relevant securities are credited.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The information in this section
concerning DTC and its book-entry system has been obtained from sources that we believe to be accurate, but we assume no responsibility
for the accuracy thereof.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Wilmington Trust, National
Association, will act as Trustee under the Indenture. The Trustee has all of the duties and responsibilities specified under the Trust
Indenture Act. The Trustee is not obligated to exercise any of its rights or powers under the Indenture at the request or direction of
the holders of the Notes, unless the holders have offered and, if requested, provided to the Trustee security or indemnity satisfactory
to the Trustee. From time to time, we, and one or more of our subsidiaries, may maintain deposit accounts and conduct other banking transactions,
including lending transactions, with Wilmington Trust, National Association in the ordinary course of business. Additionally, we maintain
banking relationships with Wilmington Trust, National Association and its affiliates in the ordinary course of business. These banking
relationships include Wilmington Trust, National Association serving as trustee under indentures involving certain of our outstanding
subordinated notes.</P>

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes and the Indenture
pursuant to which such notes will be issued are governed by, and will be construed in accordance with, the laws of the State of New York.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Where the Indenture provides
for notice of any event to a holder of a Note (whether by mail or otherwise), such notice will be sufficiently given if given to DTC
pursuant to the applicable procedures from DTC, including by electronic mail in accordance with accepted practices at DTC.</P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="C-1"></A><B>CERTAIN ERISA CONSIDERATIONS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following is a summary
of certain considerations associated with the purchase and holding of the Notes by (1)&nbsp;employee benefit plans subject to Title I
of the U.S. Employee Retirement Income Security Act of 1974, as amended, which we refer to as &ldquo;ERISA&rdquo;, (2)&nbsp;plans, individual
retirement accounts and other arrangements subject to Section&nbsp;4975 of the Code, (3)&nbsp;plans subject to any federal, state, local,
non-U.S. or other laws or regulations that are similar to Title I of ERISA or Section&nbsp;4975 of the Code, which we collectively refer
to as &ldquo;Similar Laws&rdquo;, and (4)&nbsp;entities whose underlying assets are considered to include &ldquo;plan assets&rdquo; of
such employee benefit plans, plans or arrangements (each of which we call a &ldquo;Plan&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each fiduciary of a Plan
should consider the fiduciary standards of ERISA, to the extent applicable, or any applicable Similar Laws in the context of the Plan&rsquo;s
particular circumstances before authorizing an investment in the Notes. Accordingly, among other factors, the fiduciary should consider
whether the investment would satisfy the prudence and diversification requirements of ERISA, to the extent applicable, or any applicable
Similar Laws and would be consistent with the documents and instruments governing the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, Section&nbsp;406
of ERISA and Section&nbsp;4975 of the Code prohibit Plans subject to such provisions, which we call &ldquo;ERISA Plans&rdquo;, from engaging
in certain transactions involving &ldquo;plan assets&rdquo; with persons that are &ldquo;parties in interest&rdquo; under ERISA or &ldquo;disqualified
persons&rdquo; under Section&nbsp;4975 of the Code with respect to the ERISA Plan. A violation of these &ldquo;prohibited transaction&rdquo;
rules&nbsp;may result in an excise tax for such persons or other liabilities under ERISA and/or Section&nbsp;4975 of the Code, unless
exemptive relief is available under an applicable statutory or administrative exemption. Employee benefit plans that are governmental
plans (as defined in Section&nbsp;3(32) of ERISA), certain church plans (as defined in Section&nbsp;3(33) of ERISA) and non-U.S. plans
(as described in Section&nbsp;4(b)(4)&nbsp;of ERISA) are not subject to the requirements of ERISA or Section&nbsp;4975 of the Code, but
may be subject to Similar Laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As a result of our business,
we and certain of our affiliates may be considered parties in interest or disqualified persons with respect to many ERISA Plans. Prohibited
transactions within the meaning of Section&nbsp;406 of ERISA or Section&nbsp;4975 of the Code could arise if the Notes were acquired
by an ERISA Plan with respect to which an underwriter or we or our affiliate is a party in interest or a disqualified person. For example,
if any underwriter or we are a party in interest or disqualified person with respect to an investing ERISA Plan (either directly or,
in our case, by reason of our ownership of our subsidiaries), the purchase of any Notes by an ERISA Plan could result in a sale or exchange
that is prohibited by Section&nbsp;406(a)(1)(A)&nbsp;of ERISA and Section&nbsp;4975(c)(1)(A)&nbsp;of the Code or lending of money or
other extension of credit that is prohibited by Section&nbsp;406(a)(1)(B)&nbsp;of ERISA and Section&nbsp;4975(c)(1)(B)&nbsp;of the Code,
unless exemptive relief were available under an applicable exemption (see below).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The U.S. Department of Labor
has issued prohibited transaction class exemptions, or PTCEs, that may provide exemptive relief for direct or indirect prohibited transactions
resulting from the purchase, holding or disposition of the Notes. Those class exemptions include:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>PTCE
                                            96-23&thinsp;&mdash;&thinsp;for certain transactions determined by in-house asset managers;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>PTCE
                                            95-60&thinsp;&mdash;&thinsp;for certain transactions involving insurance company general
                                            accounts;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>PTCE
                                            91-38&thinsp;&mdash;&thinsp;for certain transactions involving bank collective investment
                                            funds;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>PTCE
                                            90-1&thinsp;&mdash;&thinsp;for certain transactions involving insurance company pooled accounts;
                                            and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>PTCE
                                            84-14&thinsp;&mdash;&thinsp;for certain transactions determined by independent qualified
                                            professional asset managers.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, ERISA Section&nbsp;408(b)(17)
and Section&nbsp;4975(d)(20) of the Code provide limited relief from the prohibited transaction provisions of Section&nbsp;406 of ERISA
and Section&nbsp;4975 of the Code for certain transactions between an ERISA Plan and a party in interest or disqualified person, <I>provided
</I>that the party in interest or disqualified person is not a fiduciary (or an affiliate) who has or exercises any discretionary authority
or control with respect to the investment of the ERISA Plan assets involved in the transaction or renders investment advice with respect
to those assets, and is a party in interest or disqualified person solely by reason of being a service provider to the ERISA Plan or
having a relationship to a service provider to the ERISA Plan and provided, further that the ERISA Plan pays no more, nor receives no
less, than adequate consideration in connection with the transaction (the so-called &ldquo;service provider exemption&rdquo;). No assurance
can be made that any such exemptions will be available, or that all of the conditions of any such exemptions will be satisfied, with
respect to transactions involving the Notes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Because of the possibility
that direct or indirect prohibited transactions or violations of Similar Laws could occur as a result of the purchase, holding or disposition
of the Notes by a Plan, the Notes may not be purchased by any Plan, or any person investing the assets of any Plan, unless its purchase,
holding and disposition of the Notes will not constitute or result in a non-exempt prohibited transaction under ERISA or Section&nbsp;4975
of the Code or a violation of any Similar Laws. Any purchaser or holder of the Notes or any interest in the Notes will be deemed to have
represented by its purchase and holding of the Notes that either:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">it
                                            is not a Plan and is not purchasing the Notes or interest in the Notes on behalf of or with
                                            the assets of any Plan; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.25in"></TD><TD STYLE="text-align: justify; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its
                                            purchase, holding and disposition of the Notes or interest in the Notes will not constitute
                                            or result in a non-exempt prohibited transaction under ERISA or the Code or a violation of
                                            any Similar Laws.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Due to the complexity of
these rules&nbsp;and the penalties imposed upon persons involved in non-exempt prohibited transactions, it is important that any person
considering the purchase of the Notes on behalf of or with the assets of any Plan consult with its counsel regarding the consequences
under ERISA, the Code and any applicable Similar Laws of the acquisition, ownership and disposition of the Notes, whether any exemption
would be applicable, and whether all conditions of such exemption would be satisfied such that the acquisition and holding of the Notes
by the Plan would be entitled to full exemptive relief thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Nothing herein will be construed
as, and the sale of the Notes to a Plan is in no respect, a representation or advice by us or the underwriters (or any of our or their
affiliates) as to whether any investment in the Notes would meet any or all of the relevant legal requirements with respect to investment
by, or is appropriate for, Plans generally or any particular Plan. The foregoing discussion is merely a summary and should not be construed
as legal advice or as complete in all relevant respects.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="C-2"></A><B>MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This section summarizes the
material U.S. federal income tax considerations relating to the purchase, ownership, and disposition of the Notes. This summary does
not provide a complete analysis of all potential tax considerations. The information provided below is based on the Internal Revenue
Code of 1986, as amended (referred to herein as the &ldquo;Code&rdquo;), Treasury regulations issued under the Code, judicial authority
and administrative rulings and practice, all as of the date of this prospectus supplement and all of which are subject to change, possibly
on a retroactive basis. As a result, the tax considerations of purchasing, owning or disposing of the Notes could differ from those described
below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This summary deals only with
beneficial owners who purchase the Notes on original issuance at the first price at which a substantial portion of the Notes is sold
for cash (other than to bond houses, brokers or similar persons or organizations acting in the capacity of underwriters, placement agents
or wholesalers) and who hold the Notes as &ldquo;capital assets&rdquo; within the meaning of Section&nbsp;1221 of the Code. This summary
does not deal with persons in special tax situations, such as financial institutions, insurance companies, S corporations, regulated
investment companies, real estate investment trusts, tax exempt investors, dealers in securities or currencies, traders in securities
that elect to use a mark-to-market method of accounting for their securities, controlled foreign corporations, corporations that accumulate
earnings to avoid U.S. federal income tax, U.S. expatriates, persons holding Notes as a position in a &ldquo;straddle,&rdquo; &ldquo;hedge,&rdquo;
 &ldquo;conversion transaction,&rdquo; or other integrated transaction for U.S. federal income tax purposes, investors in pass-through
entities, or U.S. holders (as defined below) whose functional currency is not the U.S. dollar. Further, this discussion does not address
the consequences under U.S. alternative minimum tax rules, U.S. federal estate or gift tax laws, or the application of Section&nbsp;451(b)&nbsp;of
the Code, and does not address any aspect of the tax laws of any U.S. state or locality, any non-U.S. tax laws, or any tax laws other
than income tax laws. We will not seek a ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;) with respect to any of the
matters discussed herein and there can be no assurance that the IRS will not challenge one or more of the tax consequences described
herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As used herein, the term
 &ldquo;U.S. holder&rdquo; means a beneficial owners of the Notes that is for U.S. federal income tax purposes:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">an
                                            individual that is a citizen or resident of the United States, for U.S. federal income tax
                                            purposes;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a
                                            corporation (or any other entity treated as a corporation for U.S. federal income tax purposes)
                                            created or organized in or under the laws of the United States, any state or the District
                                            of Columbia;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">an
                                            estate whose income is includible in gross income for U.S. federal income tax purposes regardless
                                            of its source; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a
                                            trust, if (i)&nbsp;a court within the United States is able to exercise primary supervision
                                            over the administration of the trust and one or more U.S. persons have the authority to control
                                            all substantial decisions of the trust or (ii)&nbsp;it has a valid election in effect under
                                            applicable Treasury regulations to be treated as a U.S. person.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As used herein, the term
 &ldquo;non-U.S. holder&rdquo; means a beneficial owner of the Notes that is not a U.S. holder or a partnership.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If a partnership, including
for this purpose any entity treated as a partnership for U.S. federal income tax purposes, is a beneficial owner of the Notes, the treatment
of a partner in the partnership generally will depend upon the status of the partner and upon the activities of the partnership. A beneficial
owner of the Notes that is a partnership and partners in such a partnership should consult their independent tax advisors about the U.S.
federal income tax consequences of holding and disposing of the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Prospective investors
should consult their tax advisors concerning the tax consequences of the ownership and disposition of the Notes, including the tax consequences
under the laws of any foreign, state, local or other taxing jurisdictions and the possible effects on investors of changes in U.S. federal
or other tax laws.</B></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">It is anticipated, and this
discussion assumes, that the Notes will be issued without original issue discount for U.S. federal income tax purposes. In such case,
interest on a note will be includable by a U.S. holder as interest income at the time it accrues or is received in accordance with its
method of accounting for U.S. federal income tax purposes and will be ordinary income.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Sale, Redemption, Retirement or Other Taxable
Disposition of the Notes</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon a sale, redemption,
retirement or other taxable disposition of a note, a U.S. holder will generally recognize gain or loss equal to the difference between
(i)&nbsp;the amount realized on the disposition (other than amounts attributable to accrued but unpaid interest, which will be taxed
as interest income as discussed above to the extent not previously included in income) and (ii)&nbsp;the U.S. holder&rsquo;s tax basis
in the note. A U.S. holder&rsquo;s tax basis in a note generally will equal the cost of the note. A U.S. holder&rsquo;s gain or loss
will generally constitute capital gain or loss and will be long-term capital gain or loss if the U.S. holder has held such note for longer
than one year. The deductibility of capital losses is subject to certain limitations. Net long-term capital gain recognized by a non-corporate
U.S. holder is generally taxed at preferential rates.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">U.S. holders who are individuals,
estates or certain trusts are required to pay an additional 3.8% Medicare tax on the lesser of (1)&nbsp;the U.S. person&rsquo;s &ldquo;net
investment income&rdquo; for the relevant taxable year and (2)&nbsp;the excess of the U.S. person&rsquo;s modified gross income for the
taxable year over a certain threshold (which in the case of individuals will be between $125,000 and $250,000 depending on the individual&rsquo;s
circumstances). Net investment income will generally include interest income and net gains from the disposition of the Notes, unless
such interest income or net gains are derived in the ordinary course of the conduct of a trade or business (other than a trade or business
that consists of certain passive or trading activities). A U.S. holder that is an individual, estate or trust should consult its tax
advisor regarding the applicability of the Medicare tax to its income and gains in respect of its investment in the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Backup Withholding and Information Reporting</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In general, a U.S. holder
of a note will be subject to backup withholding at the applicable tax rate with respect to payments of interest or the gross proceeds
from dispositions of the Notes, unless the U.S. holder (i)&nbsp;is an entity that is exempt from backup withholding (generally including
tax-exempt organizations and certain qualified nominees) and, when required, provides appropriate documentation to that effect, (ii)&nbsp;provides
its social security number or other taxpayer identification number (&ldquo;TIN&rdquo;), certifies that the TIN provided is correct and
that it has not been notified by the IRS that it is subject to backup withholding due to underreporting of interest or dividends, and
otherwise complies with applicable requirements of the backup withholding rules. In addition, such payments to U.S. holders that are
not exempt entities will generally be subject to information reporting requirements. A U.S. holder who does not provide the correct TIN
may be subject to penalties imposed by the IRS. The amount of any backup withholding from a payment to a U.S. holder will be allowed
as a credit against such holder&rsquo;s U.S. federal income tax liability and may entitle to a refund, provided that the required information
is timely furnished to the IRS.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Non-U.S. Holders</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the discussions
of backup withholding and the Foreign Account Tax Compliance Act (&ldquo;FATCA&rdquo;) below, interest income of a non-U.S. holder will
qualify for the &ldquo;portfolio interest exemption&rdquo; and therefore not be subject to U.S. federal income or withholding tax, provided
that:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
                                            interest paid on the note is not income that is effectively connected with a United States
                                            trade or business carried on by the non-U.S. holder (&ldquo;ECI&rdquo;) (and, if required
                                            by an applicable income tax treaty, is not attributable to a U.S. permanent establishment);</FONT></TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
                                            non-U.S. holder does not actually or constructively (pursuant to the rules&nbsp;of Section&nbsp;871(h)(3)(C)&nbsp;of
                                            the Code) own 10% or more of the total combined voting power of all classes of our stock
                                            that are entitled to vote;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
                                            non-U.S. holder is not a controlled foreign corporation related to us actually or constructively
                                            through the stock ownership rules&nbsp;under Section&nbsp;864(d)(4)&nbsp;of the Code;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
                                            non-U.S. holder is not a bank that is receiving the interest on an extension of credit made
                                            pursuant to a loan agreement entered into in the ordinary course of its business; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
                                            beneficial owner satisfies the certification requirements set forth in Section&nbsp;871(h)&nbsp;or
                                            881(c), as applicable, of the Code and the Treasury regulations issued thereunder by providing
                                            an appropriate IRS Form&nbsp;W-8 (or a suitable substitute or successor form or such other
                                            form as the IRS may prescribe) that has been properly completed and duly executed establishing
                                            its status as a non-U.S. person or by other means prescribed by the Secretary of the Treasury
                                            (or the non-U.S. holder holds the Notes through one of certain foreign intermediaries or
                                            certain foreign partnerships, and the non-U.S. holder and the foreign intermediary or foreign
                                            partnership satisfies the certification requirements of applicable Treasury regulations).</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If any of these conditions
is not met, interest on the Notes paid to a non-U.S. holder will generally be subject to U.S. federal income tax and withholding at a
30% rate unless (a)&nbsp;an applicable income tax treaty reduces or eliminates such tax, and the non-U.S. holder claims the benefit of
that treaty by providing an IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E (or a suitable substitute or successor form or such other
form as the IRS may prescribe) that has been properly completed and duly executed, or (b)&nbsp;the interest is ECI and the non-U.S. holder
complies with applicable certification requirements by providing an IRS Form&nbsp;W-8ECI (or a suitable substitute or successor form
or such other form as the IRS may prescribe) that has been properly completed and duly executed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the interest on the Notes
is ECI, the non-U.S. holder will be required to pay U.S. federal income tax on that interest on a net income basis generally in the same
manner as a U.S. holder (and the 30% withholding tax described above will not apply, provided the appropriate statement is provided to
us or our paying agent). If a non-U.S. holder is eligible for the benefits of any income tax treaty between the United States and its
country of residence, any interest income that is ECI will be subject to U.S. federal income tax in the manner specified by the treaty
and will generally be subject to U.S. federal income tax only if such income is attributable to a permanent establishment or a fixed
base maintained by the non-U.S. holder in the United States and the non-U.S. holder claims the benefit of the treaty by providing a Form&nbsp;W-8BEN
or a Form&nbsp;W-8BEN-E (or a suitable substitute or successor form or such other form as the IRS may prescribe) that has been properly
completed and duly executed. In addition, interest received by a corporate non-U.S. holder that is ECI may also, under certain circumstances,
be subject to an additional &ldquo;branch profits tax&rdquo; at a 30% rate, or, if applicable, a lower treaty rate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Sale, Redemption, Retirement or Other Taxable
Disposition of the Notes</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the discussion
of backup withholding and FATCA below, a non-U.S. holder will generally not be subject to U.S. federal income tax on any gain realized
on a sale, redemption, retirement or other taxable disposition of the Notes unless:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
                                            gain is effectively connected with the conduct of a trade or business within the United States
                                            by the non-U.S. holder (and, if required by an applicable income tax treaty, is attributable
                                            to a U.S. permanent establishment), or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">in
                                            the case of a non-U.S. holder who is a nonresident alien individual and holds the note as
                                            a capital asset, he or she is present in the United States for 183 or more days in the taxable
                                            year and certain other requirements are met.</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If a non-U.S. holder falls
under the first of these exceptions, it will be taxed on the net gain derived from the disposition under the graduated U.S. federal income
tax rates that are applicable to U.S. holders and, if the non-U.S. holder is a foreign corporation, it may also be subject to the branch
profits tax described above. Even though the ECI will be subject to U.S. federal income tax, and possibly subject to the branch profits
tax, it will not be subject to withholding if the non-U.S. holder delivers an appropriate IRS Form&nbsp;W-8ECI (or a suitable substitute
or successor form or such other form as the IRS may prescribe) that has been properly completed and duly executed to us or our agent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If an individual non-U.S.
holder falls under the second of these exceptions, he or she generally will be subject to U.S. federal income tax at a rate of 30% on
the amount by which the gain derived from the disposition exceeds such holder&rsquo;s capital losses allocable to sources within the
United States for the taxable year of the sale.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Backup Withholding and Information Reporting</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Generally, the amount of
interest paid to a non-U.S. holder and the amount of tax, if any, withheld with respect to those payments must be reported annually to
the IRS and to the non-U.S. holder. Copies of the information returns reporting such interest, and withholding may also be made available
to the tax authorities in the country in which the non-U.S. holder resides under the provisions of an applicable income tax treaty. Backup
withholding will generally not apply to payments of interest on the Notes if a non-U.S. holder certifies its status as a non-U.S. person
under penalties of perjury or otherwise establishes an exemption (provided that the payor does not have actual knowledge that the non-U.S.
holder is a U.S. person or that the conditions of any other exemptions are not in fact satisfied).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The payment of the proceeds
of the disposition of Notes to or through the United States office of a United States or foreign broker will be subject to information
reporting and, depending on the circumstances, backup withholding unless the non-U.S. holder provides the certification described above
or otherwise establishes an exemption (and the payor does not have actual knowledge that the non-U.S. holder is a U.S. holder or that
the conditions of any other exemptions are not in fact satisfied). The proceeds of a disposition effected outside the United States by
a non-U.S. holder of the Notes to or through a foreign office of a broker generally will not be subject to backup withholding or information
reporting. However, if that broker is, for United States federal income tax purposes, a U.S. person, a controlled foreign corporation,
a foreign person 50% or more of whose gross income from all sources for certain periods is effectively connected with a trade or business
in the United States, or a foreign partnership that is engaged in the conduct of a trade or business in the United States or that has
one or more partners that are U.S. persons who in the aggregate hold more than 50% of the income or capital interests in the partnership,
information reporting requirements will apply unless that broker has documentary evidence in its files of such non-U.S. holder&rsquo;s
status as a non-U.S. person and has no actual knowledge to the contrary or unless the non-U.S. holder otherwise establishes an exemption.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any amounts withheld from
a payment to a non-U.S. holder under the backup withholding rules&nbsp;will be allowed as a credit against its U.S. federal income tax
liability and may entitle it to a refund, provided it timely furnishes the required information to the IRS.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Sections&nbsp;1471 through
1474 of the Code and IRS guidance thereunder (&ldquo;FATCA&rdquo;) generally impose U.S.&nbsp;federal withholding tax of 30% on interest
income and certain other amounts paid on a debt obligation to certain foreign entities unless various information reporting, withholding
and other requirements are satisfied. Current provisions of the Code and Treasury regulations that govern FATCA treat gross proceeds
from the sale or other disposition of debt obligations that can produce U.S.-source interest (such as the Notes) as subject to FATCA
withholding after December&nbsp;31, 2018. However, under proposed Treasury regulations, the preamble to which specifies that taxpayers
may rely on them pending finalization, such gross proceeds are not subject to FATCA withholding. An intergovernmental agreement between
the U.S. and the applicable foreign country, or future Treasury regulations or other guidance, may modify the requirements under FATCA.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Prospective investors should
consult their tax advisors regarding FATCA and the regulations thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>The
U.S. federal tax discussion set forth above as to both U.S. holders and non-U.S. holders is included for general information only and
may </B></FONT>not <B>be applicable depending upon a prospective investor&rsquo;s particular situation. Prospective investors should
consult their tax advisors with respect to the tax consequences to them of the ownership and disposition of the Notes, including the
tax consequences under state, local, foreign and other tax laws and the possible effects of changes in U.S. federal or other tax laws.</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="C-3"></A><B>UNDERWRITING</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have entered into an underwriting
agreement with Raymond James&nbsp;&amp; Associates,&nbsp;Inc. and Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc. as representatives of the
several underwriters listed below (collectively, the &ldquo;underwriters&rdquo;) with respect to the Notes being offered pursuant to
this prospectus supplement. Subject to certain conditions, each underwriter has agreed, severally and not jointly, to purchase the aggregate
principal amount of Notes set forth next to its name in the following table.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 95%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Underwriters</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Principal Amount<BR>
 of Notes</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 82%; font: 10pt Times New Roman, Times, Serif; text-align: left">Raymond James&nbsp;&amp; Associates,&nbsp;Inc.</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; text-align: right">27,625,000</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27,625,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">D.A. Davidson &amp; Co.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4,875,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Piper Sandler &amp; Co.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4,875,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">Total</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">65,000,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The underwriting agreement
provides that the obligations of the underwriters are subject to certain conditions precedent such as the receipt by the underwriters
of officers&rsquo; certificates and legal opinions and approval of certain legal matters by its counsel. The underwriting agreement provides
that the underwriters have agreed, severally and not jointly, to purchase all of the Notes offered hereby if any of them are purchased.
If an underwriter defaults, the underwriting agreement provides that the purchase commitments of the non-defaulting underwriters may
be increased or the underwriting agreement may be terminated under certain circumstances. We have agreed to indemnify the underwriters
against certain liabilities, including liabilities under the Securities Act of 1933, as amended, and to contribute to payments that the
underwriters may be required to make in respect of those liabilities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes will constitute
a new class of securities with no established trading market. The underwriters have advised us that, following the completion of this
offering, they currently intend to make a market in the Notes as permitted by applicable laws and regulations. However, the underwriters
are not obligated to do so, and the underwriters may discontinue any market-making activities at any time without notice in their sole
discretion. Accordingly, no assurance can be given as to the liquidity of the trading market for the Notes, that you will be able to
sell any of the Notes held by you at a particular time or that the prices that you receive when you sell will be favorable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The underwriters are offering
the Notes offered hereby subject to their acceptance of such Notes from us and subject to prior sale. The underwriters reserve the right
to withdraw, cancel or modify offers to the public and to reject orders in whole or in part.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notes sold by the
underwriters to the public will be offered at the public offering price set forth on the cover of this prospectus supplement. <FONT STYLE="background-color: white">This
underwriting discount will also apply to any Notes purchased pursuant to the overallotment option.</FONT> Any Notes sold by the
underwriters to securities dealers may be sold at the initial public offering price less a concession not in excess of $0.05 per
Note. If all of the Notes are not sold at their applicable initial offering prices, the underwriters may change the offering
prices and the other selling terms. The offering of the Notes by the underwriters is subject to receipt and acceptance and subject
to the underwriters&rsquo; right to reject any order in whole or in part.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following table shows
the public offering price, the underwriting discounts and commissions that we are to pay the underwriters and the proceeds, before expenses,
to us in connection with this offering (expressed as a percentage of the principal amount of the Notes offered hereby). <FONT STYLE="background-color: white">The information assumes either
no exercise or full exercise by the underwriters of their overallotment option.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 95%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Per Note</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Without Option</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid"><B>With Option</B></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public offering price<SUP>(1)</SUP></FONT></TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">100.00</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">65,000,000</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">$</TD>
    <TD STYLE="text-align: right; width: 9%">74,750,000</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting discounts and commissions paid by us<SUP>(2)</SUP></FONT></TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">3.00</TD><TD STYLE="font-size: 10pt; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,950,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>$</TD>
    <TD STYLE="text-align: right">2,242,500</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Proceeds to us, before expenses</TD><TD STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 9pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 9pt Times New Roman, Times, Serif; text-align: right">97.00</TD><TD STYLE="font: 9pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">63,050,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>$</TD>
    <TD STYLE="text-align: right">72,507,500</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>(1)</SUP></FONT>&nbsp;Plus
accrued interest, if any, from the original issue date.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>(2)</SUP>&nbsp;We have agreed to reimburse the underwriters up to $100,000 for certain legal expenses in connection with this offering.
Such reimbursement is deemed underwriter compensation by the Financial Industry Regulatory Authority (&ldquo;FINRA&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
estimate expenses payable by us in connection with this offering, other than, in each case, underwriting discounts and commissions, will
be approximately $395,000</FONT>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We expect that delivery
of the Notes will be made against payment therefor on or about&nbsp;&nbsp;June 28, 2024, which will be the second business day
following the date of pricing of the Notes, or &ldquo;T+2.&rdquo; Under Rule&nbsp;15c6-1 of the Exchange Act, trades in the
secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree
otherwise. Accordingly, purchasers who wish to trade the Notes prior to the delivery of the Notes will be required, by virtue of the
fact that the Notes initially settle in
T+2, to
specify an alternate settlement arrangement at the time of any such trade to prevent a failed settlement. Purchasers of the Notes
who wish to trade the Notes prior to their date of delivery hereunder should consult their advisors.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Notes are a new issue of securities with no established trading market. We intend to list the Notes on Nasdaq and will use our reasonable
best efforts to maintain such listing. We expect trading in the Notes on Nasdaq to begin within 30 days after the original issue date
under the trading symbol &ldquo;DCOMG.&rdquo; Currently there is no public market for the Notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have been advised by certain of the
underwriters that they presently intend to make a market in the Notes after completion of the offering as permitted by applicable laws
and regulations. The underwriters are not obligated, however, to make a market in the Notes and any such market-making may be discontinued
at any time in the sole discretion of the underwriters without any notice. Accordingly, no assurance can be given as to the liquidity
of, or development of a public trading market for, the Notes. If an active public trading market for the Notes does not develop, the market
price and liquidity of the Notes may be adversely affected.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white"><B>Overallotment Option</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">We
have granted an option to the underwriters to purchase up to an additional $9,750,000 (390,000 units of $25 each) aggregate
principal amount of the Notes offered hereby at the public offering price, less the underwriting discounts and commissions, within
30 days from the date of this prospectus supplement solely to cover any overallotments. If the underwriters exercise this option,
each will be obligated, subject to conditions contained in the underwriting agreement, to purchase a number of additional Notes
proportionate to that underwriter&rsquo;s initial principal amount reflected in the table above.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>No Sale of Similar Securities</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have agreed with the underwriters
that for a period from the date of the underwriting agreement through and including the closing date of the offering, we and our subsidiaries
will not, without the prior consent of Raymond James&nbsp;&amp; Associates,&nbsp;Inc., offer, sell, contract to sell or otherwise dispose
of any debt securities issued or guaranteed by us or any of our subsidiaries.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In connection with this offering
of the Notes, the underwriters may engage in overallotment, stabilizing transactions and syndicate covering transactions. Overallotment
involves sales in excess of the offering size, which create a short position for the underwriters. Stabilizing transactions involve bids
to purchase the Notes in the open market for the purpose of pegging, fixing or maintaining the price of the Notes. Syndicate covering
transactions involve purchases of the Notes in the open market after the distribution has been completed in order to cover short positions.
Stabilizing transactions and syndicate covering transactions may cause the price of the Notes to be higher than it would otherwise be
in the absence of those transactions. If the underwriters engage in stabilizing or syndicate covering transactions, they may discontinue
such activities at any time without notice.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither we nor any of the
underwriters makes any representation or prediction as to the direction or magnitude of any effect that the transactions described above
may have on the price of the Notes. In addition, neither we nor any of the underwriters makes any representation that the underwriters
will engage in these transactions or that these transactions, once commenced, will not be discontinued without notice.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The underwriters and certain
of their affiliates are full service financial institutions engaged in various activities, which may include securities trading, commercial
and investment banking, financial advisory, investment management, investment research, principal investment, hedging, financing and
brokerage activities. The underwriters or their affiliates have, from time to time, performed, and may in the future perform, various
commercial and investment banking and financial advisory services for us and our affiliates, for which they received or will receive
customary fees and expenses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the ordinary course of
their various business activities, the underwriters and certain of their affiliates may make or hold a broad array of investments and
actively trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans) for their
own account and for the accounts of their customers, and such investment and securities activities may involve securities or instruments
issued by us and our affiliates. If the underwriters or their affiliates have a lending relationship with us, they routinely hedge their
credit exposure to us consistent with their customary risk management policies. The underwriters and their affiliates may hedge such
exposure by entering into transactions which consist of either the purchase of credit default swaps or the creation of short positions
in our securities or the securities of our affiliates, including potentially the Notes offered hereby. Any such short positions could
adversely affect future trading prices of the Notes offered hereby. The underwriters and their affiliates may also communicate independent
investment recommendations, market color or trading ideas or publish or express independent research views in respect of such securities
or instruments and may at any time hold, or recommend to clients that they acquire, long or short positions in such securities and instruments.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="C-4"></A><B>LEGAL MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The validity of the Notes
offered hereby will be passed upon for DCOM by Squire Patton Boggs (US) LLP, New York, NY. Certain legal matters related to the offering
will be passed upon for the underwriters by Luse Gorman, PC, Washington, D.C.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="C-5"></A><B>EXPERTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The consolidated financial
statements of the Company as of December&nbsp;31, 2023 and 2022 and for each of the three years in the period ended December&nbsp;31,
2023 have been audited by Crowe LLP, an independent registered public accounting firm, as set forth in their report appearing in the
2023 Form&nbsp;10-K and incorporated in this prospectus supplement 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: 0pt 0">&nbsp;</P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2417725d1_424b5img01.jpg" ALT=""></P>

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may offer and sell, from time to time, in one or more series, our 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; units consisting of any combination of the above securities; or subscription rights </FONT>to purchase
common stock, preferred stock, depositary shares or debt securities that we may offer to our stockholders. 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: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our common stock is traded on the Nasdaq Global
Select Market under the symbol &ldquo;DCOM.&rdquo;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><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 4 of this prospectus, in any prospectus supplement and in the documents
we file with the </B></FONT><B>Securities and Exchange Commission that are incorporated into this prospectus by reference for a discussion
of certain risks and uncertainties you should consider.</B></P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>The date of this prospectus is April&nbsp;20,
2022.</B></P>

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

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

<!-- Field: Page; Sequence: 51 -->
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    <DIV STYLE="break-before: page; 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: 0pt 0">&nbsp;</P>

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">this
                                            prospectus, which provides general information about Dime Community Bancshares,&nbsp;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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">if
                                            necessary, a pricing supplement that describes the pricing terms of your securities.</TD></TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            pricing supplement, if any;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            prospectus supplement; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">this
                                            prospectus.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may 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 any prospectus supplement provide the pages&nbsp;on which these captions are
located.</P>

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

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

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

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top; width: 94%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center; width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Page</U></FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT
    THIS PROSPECTUS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE
    YOU CAN FIND MORE INFORMATION&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INCORPORATION
    OF CERTAIN DOCUMENTS BY REFERENCE</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAUTIONARY
    NOTE REGARDING FORWARD-LOOKING STATEMENTS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK
    FACTORS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OUR
    COMPANY</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE
    OF PROCEEDS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION
    OF SECURITIES&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt"><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Debt
    Securities&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; text-align: center"><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common
    Stock&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt"><A HREF="#a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preferred
    Stock&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; text-align: center"><A HREF="#a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt"><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depositary
    Shares&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; text-align: center"><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Warrants&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    Contracts&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Units&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subscription
    Rights&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt"><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GLOBAL
    SECURITIES&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; text-align: center"><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PLAN
    OF DISTRIBUTION&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; vertical-align: top"><A HREF="#a_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL
    OPINIONS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 5.4pt; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></A></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPERTS&#9;</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: center"><A HREF="#a_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
prospectus is part of a registration statement that we have 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 offer and sell, from time to time,
our debt securities; common stock; preferred stock; depositary shares; warrants; purchase contracts; units consisting of any combination
of the above securities; or subscription rights </FONT>to purchase common stock, preferred stock, depositary shares or debt securities.
This prospectus provides you with a general description of the securities that we may offer. 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">You should read this prospectus,
the prospectus supplement and any pricing supplement together with the additional information described under the headings <I>&ldquo;Where
You Can Find More Information&rdquo;</I> and <I>&ldquo;Incorporation of Certain Documents By Reference.&rdquo;</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This document is dated April&nbsp;20,
2022, and you should assume that the information in this document is accurate only as of such date, unless the information specifically
indicates that another date applies. 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.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Unless otherwise indicated
or unless the context requires otherwise, all references in this prospectus to &ldquo;Dime Community Bancshares,&rdquo; the &ldquo;Company,&rdquo;
 &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo; or similar references mean Dime Community Bancshares,&nbsp;Inc., and references
to the &ldquo;Bank&rdquo; mean Dime Community Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We file periodic and current
reports, proxy statements and other documents with the SEC. The SEC maintains a website that contains these reports, proxy statements
and other documents, and other information regarding issuers that make electronic filings with the SEC. You may read any document we
file on the SEC&rsquo;s Internet site at <I>http://www.sec.gov</I>.</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">898 Veterans Memorial Highway, Suite&nbsp;560</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Hauppauge, New York 11788</P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The SEC allows us to incorporate
information into this prospectus by reference to another document separately filed 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. 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: 0pt 0">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 49%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SEC
                                            Filings</B></P>
</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 49%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Period
                                            or Filing Date (as applicable)</B></P>
<!-- Field: Rule-Page --><DIV STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 1pt; margin-bottom: 1pt; width: 100%"></DIV><DIV></DIV><!-- Field: /Rule-Page --></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Annual
                                            Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2021 (including portions of
                                            our <A HREF="https://www.sec.gov/Archives/edgar/data/846617/000114036122014734/ny20002248x3_def14a.htm" STYLE="-sec-extract: exhibit">Proxy Statement for our 2022 Annual Meeting of Stockholders filed on April 15, 2022</A>, to the
                                            extent specifically incorporated by reference in such Form&nbsp;10-K)</P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661722000015/dcom-20211231x10k.htm" STYLE="-sec-extract: exhibit">March&nbsp;1, 2022</A></FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; 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&nbsp;8-A12B (No.&nbsp;001-34096), <A HREF="https://www.sec.gov/Archives/edgar/data/846617/000084661722000015/dcom-20211231ex4103233fa.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;4.1</A>
    to our Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2021 and any amendment or report filed with the SEC for
    the purpose of updating this description&#9;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/846617/000106880008000250/bridge8a.txt" STYLE="-sec-extract: exhibit">June&nbsp;9, 2008 (Form&nbsp;8-A12B)</A></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/846617/000084661722000015/dcom-20211231ex4103233fa.htm" STYLE="-sec-extract: exhibit">March&nbsp;1, 2022 (Annual Report on Form&nbsp;10-K)</A></P></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    description of our preferred stock set forth in the registration statement on Form&nbsp;8-A12B (No.&nbsp;001-34096), <A HREF="https://www.sec.gov/Archives/edgar/data/846617/000084661722000015/dcom-20211231ex4103233fa.htm">Exhibit&nbsp;4.1</A>
    to our Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2021 and any amendment or report filed with the SEC for
    the purpose of updating this description&#9;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12pt">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/846617/000110465921009777/tm214437d1_8a12b.htm" STYLE="-sec-extract: exhibit">February&nbsp;1, 2021 (Form&nbsp;8-A12B)</A></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/846617/000084661722000015/dcom-20211231ex4103233fa.htm" STYLE="-sec-extract: exhibit">March&nbsp;1, 2022 (Annual Report on Form&nbsp;10-K)</A></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 at no cost, by addressing your request to:</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">898 Veterans Memorial Highway, Suite&nbsp;560</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Hauppauge, New York 11788</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, we maintain
a corporate website, <I>www.dime.com</I>. We make available, through our website, our annual reports on Form&nbsp;10-K, quarterly reports
on Form&nbsp;10-Q, current reports on Form&nbsp;8-K, and any amendments to those reports filed or furnished pursuant to Section&nbsp;13(a)&nbsp;or
15(d)&nbsp;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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as specifically incorporated
by reference into this prospectus, information on the websites listed above is not a part of this prospectus. 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. 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: 0pt 0">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This prospectus and the documents
incorporated into it by reference may contain statements relating to our future results (including certain projections and business trends)
that are considered &ldquo;forward-looking statements&rdquo; as defined in the Private Securities Litigation Reform Act of 1995 (the
 &ldquo;PSLRA&rdquo;). Such forward-looking statements, in addition to historical information, which involve risk and uncertainties, are
based on the beliefs, assumptions and expectations of our management. 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 variations of such similar expressions are intended to identify such forward-looking
statements. Examples of forward-looking statements include, but are not limited to, possible or assumed estimates with respect to the
financial condition, expected or anticipated revenue, and results of operations and our business, including earnings growth; revenue
growth in retail banking, lending and other areas; origination volume in the consumer, commercial and other lending businesses; current
and future capital management programs; non-interest income levels, including fees from the title insurance subsidiary and banking services
as well as product sales; tangible capital generation; market share; expense levels; and other business operations and strategies. We
claim the protection of the safe harbor for forward-looking statements contained in the PSLRA.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Forward-looking statements
are based upon various assumptions and analyses made by the Company in light of management&rsquo;s experience and its perception of historical
trends, current conditions and expected future developments, as well as other factors it believes appropriate under the circumstances.
These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are
beyond the Company&rsquo;s control) that could cause actual conditions or results to differ materially from those expressed or implied
by such forward-looking statements. Accordingly, you should not place undue reliance on such statements. These factors include, without
limitation, the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&nbsp;<FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">there
                                            may be increases in competitive pressure among financial institutions or from non-financial
                                            institutions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            net interest margin is subject to material short-term fluctuation based upon market rates;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">changes
                                            in deposit flows, loan demand or real estate values may affect the business of the Bank;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">changes
                                            in accounting principles, policies or guidelines may cause the Company&rsquo;s financial
                                            condition to be perceived differently;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">changes
                                            in corporate and/or individual income tax laws may adversely affect the Company&rsquo;s business
                                            or financial condition or results of operations;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">general
                                            economic conditions, either nationally or locally in some or all areas in which the Company
                                            conducts business, or conditions in the securities markets or the banking industry, may be
                                            different than the Company currently anticipates;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">legislative,
                                            regulatory or policy changes may adversely affect the Company&rsquo;s business or results
                                            of operations;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">technological
                                            changes may be more difficult or expensive than the Company anticipates;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">success
                                            or consummation of new business initiatives or the integration of any acquired entities may
                                            be more difficult or expensive than the Company anticipates; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">litigation
                                            or other matters before regulatory agencies, whether currently existing or commencing in
                                            the future, may delay the occurrence or non-occurrence of events longer than the Company
                                            anticipates.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company has no obligation
to update any forward-looking statements to reflect events or circumstances after the date of this document.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_005"></A>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;10-K and in any subsequent Quarterly Reports on Form&nbsp;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: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; background-color: white">Dime
Community Bancshares,&nbsp;Inc. is a bank holding company engaged in commercial banking and financial services through its wholly-owned
subsidiary, Dime Community Bank. The Bank was established in 1910 and is headquartered in Hauppauge, New York. The Holding Company was
incorporated under the laws of the State of New York in 1988 to serve as the holding company for the Bank. The Company functions primarily
as the holder of all of the Bank&rsquo;s common stock. </FONT>Our executive offices are located at 898 Veterans Memorial Highway, Suite&nbsp;560,
Hauppauge, New York 11788, and our telephone number is (631) 537-1000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On February&nbsp;1, 2021,
the Company, which was formerly known as &ldquo;Bridge Bancorp,&nbsp;Inc.&rdquo;, completed a merger of equals transaction with Dime
Community Bancshares,&nbsp;Inc., a Delaware corporation. <FONT STYLE="background-color: white">As of December&nbsp;31, 2021, we operated
60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Our bank operations
include Dime Community Inc., a real estate investment trust subsidiary which was formerly known as &ldquo;Bridgehampton Community,&nbsp;Inc.&rdquo;,
as an operating subsidiary. Our bank operations also include Bridge Abstract LLC, a wholly-owned subsidiary of the Bank, which is a broker
of title insurance services.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For over a century, the Bank
has maintained a focus on building customer relationships in our market area, which, <FONT STYLE="background-color: white">as of December&nbsp;31,
2021, consisted of Greater Long Island, including the counties of Kings, Queens, Nassau, Suffolk, and New York. </FONT>Our mission is
to grow through the provision of exceptional service to our customers, our employees, and the community. We strive to achieve excellence
in financial performance and build long-term shareholder value. We engage in a full service commercial and consumer banking business,
including accepting time, savings and demand deposits from the businesses, consumers, &nbsp;and local municipalities in our market area.
These deposits, together with funds generated from operations and borrowings, are invested primarily in: (1)&nbsp;commercial real estate
loans; (2)&nbsp;multi-family mortgage loans; (3)&nbsp;residential mortgage loans; (4)&nbsp;secured and unsecured commercial and consumer
loans; (5)&nbsp;home equity loans; (6)&nbsp;construction and land loans; (7)&nbsp;Federal Home Loan Bank (&ldquo;FHLB&rdquo;), Federal
National Mortgage Association (&ldquo;Fannie Mae&rdquo;), Government National Mortgage Association (&ldquo;Ginnie Mae&rdquo;) and Federal
Home Loan Mortgage Corporation (&ldquo;Freddie Mac&rdquo;) mortgage-backed securities, collateralized mortgage obligations and other
asset backed securities; (8)&nbsp;U.S. Treasury securities; (9)&nbsp;New York State and local municipal obligations; (10)&nbsp;U.S. government-sponsored
enterprise (&ldquo;U.S. GSE&rdquo;) securities; and (11) corporate bonds. We also offer the Certificate of Deposit Account Registry Service
(&ldquo;CDARS&rdquo;) and Insured Cash Sweep (&ldquo;ICS&rdquo;) programs, providing multi-millions of dollars of Federal Deposit Insurance
Corporation (&ldquo;FDIC&rdquo;) insurance on deposits to our customers. In addition, we offer 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 as well as investment services through Dime Financial Services LLC, 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. Our customer base is comprised principally of small and medium sized businesses, municipal
relationships and consumer relationships.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Company and the Bank are subject to extensive
regulation by federal and state bank regulators.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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>and <I>&ldquo;Incorporation of Certain Documents by Reference&rdquo; </I>on page&nbsp;1 of this prospectus.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_007"></A><B>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company intends to use
the net proceeds from the sale of any securities offered under this prospectus in the manner and for the purposes set forth in the applicable
prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_008"></A><B>DESCRIPTION OF THE SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This prospectus contains
a summary of the debt securities, common stock, preferred stock, depositary shares, warrants, purchase contracts, units and subscription
rights 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 into this prospectus and
the registration statement of which this prospectus is a part. Capitalized terms used in this prospectus that are not defined will have
the meanings given them in these documents.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_009"></A><B>Description of Debt Securities</B></P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;301):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            form and title of the debt securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            principal amount of the debt securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            denominations in which the debt securities will be issued;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">any
                                            mandatory or optional redemption provisions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">any
                                            other terms of the debt securities.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;1002).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;101).</P>

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;1401 of the subordinated debt indenture).</P>

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">be
                                            unsecured;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">have
                                            an average maturity of at least five years;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">be
                                            subordinated in right of payment;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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&nbsp;501):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">subject
                                            to certain exceptions, failure to perform any other covenant in the indenture, other than
                                            a covenant for which a default in performance 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 written notice is given to the Company and trustee by holders of at least
                                            25% in principal amount of the Company&rsquo;s outstanding debt securities of that series,
                                            in the manner specified in the indenture;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">our
                                            bankruptcy, insolvency, liquidation or similar proceeding;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">with
                                            respect to the subordinated debt indenture, a major subsidiary depository institution of
                                            the Company becomes subject to a receivership, insolvency, liquidation or similar proceeding;
                                            or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the Company, or, under
the terms of the subordinated debt indenture, a major subsidiary depository institution of the Company, becomes subject to bankruptcy,
solvency, liquidation, receivership or a similar proceeding, the principal amount of the applicable series of debt securities, together
with accrued and unpaid interest, if any, thereon, shall automatically, and without any declaration or other action on the part of the
trustee or any holder of the securities, become immediately due and payable (Section&nbsp;502). The maturity of the subordinated debt
securities may not be otherwise accelerated. Additionally, with respect to senior debt securities, if an Event of Default with respect
to a series of senior 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 by delivering written notice to the Company pursuant to the terms of the senior debt indenture. 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 been cured or waived, other than
nonpayment of principal or interest that has become due solely as a result of acceleration (Section&nbsp;502 of the senior debt indenture).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;507). The trustee may require indemnity satisfactory to it before it enforces the indenture or such series of debt securities
(Sections 507 and 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&nbsp;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&nbsp;602).</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;902).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In 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&nbsp;901):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">curing
                                            ambiguities or correcting defects or inconsistencies;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">providing
                                            for a successor trustee;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">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: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in">&bull;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">complying
                                            with the rules&nbsp;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: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;1302).</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;610).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;613).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;313(a)&nbsp;of the Trust
Indenture Act has occurred within the 12 months preceding the reporting date (Section&nbsp;703).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;102).</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;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&nbsp;305).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;&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. See &ldquo;<I>Global Securities</I>&rdquo; for
the procedures for transfer of interests in securities held in global form.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_010"></A><B>Description of Common Stock</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We are authorized to issue
90,000,000 shares of capital stock, 80,000,000 of which are shares of common stock, par value of $0.01 per share, and 10,000,000 of which
are shares of preferred stock, par value of $0.01 per share. Each share of common stock has the same relative rights as, and is identical
in all respects to, each other share of common stock. All of our shares of common stock are duly authorized, fully paid and nonassessable.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">Federal
Reserve policy is that a bank holding company should pay cash dividends only to the extent that the company&rsquo;s net income is sufficient
to fund the dividends and the prospective rate of earnings retention is consistent with the company&rsquo;s capital needs, asset quality
and overall financial condition. In addition, Federal Reserve guidance sets forth the supervisory expectation that bank holding companies
will inform and consult with Federal Reserve staff in advance of issuing a dividend that exceeds earnings for the quarter and should
inform the Federal and should eliminate, defer or significantly reduce dividends if (i)&nbsp;net income available to stockholders for
the past four quarters, net of dividends previously paid during that period, is not sufficient to fully fund the dividends, (ii)&nbsp;prospective
rate of earnings retention is not consistent with the bank holding company&rsquo;s capital needs and overall current and prospective
financial condition, or (iii)&nbsp;the bank holding company will not meet, or is in danger of not meeting, its minimum regulatory capital
adequacy ratios.&nbsp;Moreover, the guidance indicates that a bank holding company should notify the Federal Reserve in advance of declaring
or paying a dividend that exceeds earnings for the period (e.g., quarter) for which the dividend is being paid or that could result in
a material adverse change to the organization&rsquo;s capital structure. Federal Reserve guidance also provides for consultation and
nonobjection for material increases in the amount of a bank holding company&rsquo;s common stock dividend.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the terms of the Company&rsquo;s
5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series&nbsp;A, unless&nbsp;full dividends for the most recently completed
preferred stock dividend period on all outstanding shares of preferred stock have been declared and paid in full or declared or a sum
sufficient for the payment thereof has been set aside, dividends may not be paid&nbsp;to the holders of our common stock&nbsp;(except
for stock dividends and a dividend in connection with a stockholders&rsquo; rights plan).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The holders of our common stock are generally
entitled to one vote per share.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our bylaws provide that the
Board of Directors must consist of not less than five nor more than 25 directors, the exact number to be determined by resolution of
a majority of the full Board of Directors. The members of the Board of Directors are elected on an annual basis. Directors are elected
by a plurality of the votes cast by shareholders present at the annual shareholders&rsquo; meeting, or if the annual meeting is not held,
at a special meeting called for the purpose of the election of directors. 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: 0pt 0">&nbsp;</P>

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Certain Provisions in Our Certificate of Incorporation, Our Bylaws,
and Applicable Laws and Regulations</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our certificate of incorporation,
our bylaws, and applicable federal and New York laws and regulations contain a number of provisions relating to corporate governance
and rights of shareholders that might have the effect of delaying, deferring or preventing a change in control of the Company. Such provisions
are listed below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Provisions in our Certificate of Incorporation and Bylaws</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Prohibition
of Cumulative Voting.</I></B></FONT> Our shareholders are not entitled to&nbsp;cumulative voting&nbsp;in&nbsp;the election of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Restrictions
on Call of Special Meetings</I></B></FONT><I>.</I> Our&nbsp;bylaws provide that special meetings of stockholders can be called by&nbsp;the
Board of Directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Amendments
to&nbsp;Certificate&nbsp;of Incorporation.</I></B></FONT><I>&nbsp;</I>Our certificate of incorporation provides that certain provisions<FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">&nbsp;</FONT>may
only be amended by the approval of 75% of the shares entitled to vote on such amendment, unless such amendment has been approved by an
affirmative vote of 75% of directors then in office.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Business
Combinations&nbsp;Involving Interested Shareholders</I></B></FONT><I>.&nbsp;</I>Our certificate of incorporation provides that an &ldquo;interested
shareholder&rdquo; (a person who owns or an affiliate or associate of the Company who has owned in the previous&nbsp;two-year&nbsp;period
more than 5% of the Company&rsquo;s common stock) may engage in a business combination with the Company (i)&nbsp;if approved by the affirmative
vote of not less than 75% of the votes entitled to be cast by the holders or (ii)&nbsp;(a)&nbsp;if approved by 75% or more of the continuing
directors and (b)&nbsp;the per share value of the consideration for the transaction is equal to the higher of the highest per share price
paid by the interested shareholder in acquiring Company common stock in the preceding two years and the fair market value per share of
common stock on the date on which the interested shareholder became an interested shareholder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Evaluation
of Offers</I></B></FONT>. Our certificate&nbsp;of incorporation provides&nbsp;that&nbsp;the Board of Directors may, in the context of
opposing a tender offer, take into account (i)&nbsp;the social and economic effects of the offer or transaction on the employees, depositors,
loan and other customers, creditors, shareholders and other elements of the communities in which we operate or are located, (ii)&nbsp;the
reputation and business practices of the offeror and its management and affiliates, and (iii)&nbsp;the business and financial condition
and earnings prospects of the offer or, including the possible effect of such conditions on the other elements of the communities in
which we operate or are located.</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The business combination
provisions of the New York Business Corporation Law could prohibit or delay mergers or other takeovers or change in control attempts
with respect to the Company and, accordingly, may discourage attempts to acquire the Company. In general such provisions prohibit an
 &ldquo;interested shareholder&rdquo; (i.e., a person who owns 20% or more of our outstanding voting stock) from engaging in various business
combination transactions with our company, unless (a)&nbsp;the business combination transaction, or the transaction in which the interested
shareholder became an interested shareholder, was approved by the Board of Directors prior to the interested shareholder's stock acquisition
date, (b)&nbsp;the business combination transaction was approved by the disinterested shareholders at a meeting called no earlier than
five years after the interested shareholder's stock acquisition date, or (c)&nbsp;if the business combination transaction takes place
no earlier than five years after the interested stockholder's stock acquisition date, the price paid to all the stockholders under such
transaction meets statutory criteria.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="a_011"></A>Description of Preferred
Stock</B></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our certificate of incorporation
authorizes the Board of Directors, without further stockholder action, to issue up to 10,000,000 shares of preferred stock, par value
$0.01 per share, in series, and to fix the designation, powers, preferences, and rights of the shares of such series and any qualifications,
limitations, or restrictions thereof, without further vote or action by the Company&rsquo;s stockholders. The number of authorized shares
of preferred stock may be increased or decreased (but not below the number of shares then outstanding) by the affirmative vote of the
holders of a majority of the shares of common stock, without a vote of the holders of the preferred stock, or of any series thereof,
unless a vote of any such holders is required pursuant to the terms of any preferred stock designation. As of December&nbsp;31, 2021,
5,299,200 shares of our 5.50% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series&nbsp;A, par value $0.01 per share, with a liquidation
preference of $25.00 per share, were issued and outstanding.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            designation and stated value per share of the preferred stock and the number of shares offered;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            amount of liquidation preference per share;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">the
                                            price at which the preferred stock will be issued;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">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;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">any
                                            redemption or sinking fund provisions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">any
                                            conversion provisions; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">any
                                            other rights, preferences, privileges, limitations and restrictions on the preferred stock.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Split-Segment; Name: 2 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Rank</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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);</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Dividends</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our ability to pay dividends
on our preferred stock is limited by the New York State Business Corporation Law, as described above under &ldquo;<I>Description of Common
Stock</I>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Rights Upon Liquidation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Redemption</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Voting Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Exchangeability</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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&nbsp;&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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><A NAME="a_012"></A><B>Description
of Depositary Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Dividends and Other Distributions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Withdrawal of Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Redemption of Depositary Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Voting the Depositary Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Charges of Depositary</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Resignation and Removal of Depositary</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Notices</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Limitation of Liability</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither we, the trustee or
its agents, 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><A NAME="a_013"></A><B>Description
of Warrants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">any
                                            applicable antidilution provisions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">any
                                            applicable redemption or call provisions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">the
                                            circumstances under which the warrant exercise price may be adjusted;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">any
                                            applicable material United States federal income tax consequences;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">information
                                            with respect to book-entry procedures, if any;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="a_020"></A>Description
of Purchase Contracts</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Red"></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --><FONT STYLE="color: Red"></FONT></FONT></P></DIV>
    <DIV STYLE="break-before: page; 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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">whether
                                            the purchase contracts are to be prepaid or not;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><A NAME="a_019"></A><B>Description
of Units</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The applicable prospectus
supplement may describe:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">the
                                            terms of the unit agreement governing the units;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">United
                                            States federal income tax considerations relevant to the units; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="a_014"></A>Description
of Subscription Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may distribute subscription
rights, which may or may not be transferable, to the holders of our common stock, holders of any series of our preferred stock, holders
of depositary shares or holders of our debt securities as of a record date set by our board of directors, at no cost to such holders.
Each holder will be given the right to purchase a specified number of whole shares of our common stock, preferred stock, depositary shares
or debt securities for every share of our common stock, share of a series of preferred stock, depositary shares or our debt securities
that the holder thereof owned on such record date, as set forth in the applicable prospectus supplement. The subscription rights will
be evidenced by subscription rights certificates, which may be in definitive or book-entry form. Each right will entitle the holder to
purchase shares of our common stock, a series of preferred stock, depositary shares or our debt securities at a rate and price to be
established by our board of directors, as set forth in the applicable prospectus supplement. If holders of rights wish to exercise their
subscription rights, they must do so before the expiration date of the subscription rights offering, as set forth in the applicable prospectus
supplement. Upon the expiration date, the subscription rights will expire and will no longer be exercisable, unless, in our sole discretion
prior to the expiration date, we extend the subscription rights offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Exercise Price</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our board of directors will
determine the exercise price or prices for the subscription rights based upon a number of factors, including, without limitation, our
business prospects; our capital requirements; the price or prices at which an underwriter or standby purchasers may be willing to purchase
securities that remain unsold in the subscription rights offering; and general conditions in the securities markets, especially for securities
of financial institutions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The subscription price may
or may not reflect the actual or long-term fair value of the common stock, preferred stock, depositary shares or debt securities offered
in the subscription rights offering. We provide no assurances as to the market values or liquidity of any subscription rights issued,
or as to whether or not the market prices of the common stock, preferred stock, depositary shares or debt securities subject to the subscription
rights will be more or less than the subscription rights&rsquo; exercise price during the term of the rights or after the rights expire.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Exercising Rights; Fees and Expenses</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The manner of exercising
subscription rights will be set forth in the applicable prospectus supplement. Any subscription agent or escrow agent will be set forth
in the applicable prospectus supplement. We will pay all fees charged by any subscription agent and escrow agent in connection with the
distribution and exercise of subscription rights. Subscription rights holders will be responsible for paying all other commissions, fees,
taxes or other expenses incurred in connection with their transfer of subscription rights that are transferable. Neither we nor the subscription
agent will pay such expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Expiration of Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The applicable prospectus
supplement will set forth the expiration date and time (&ldquo;Expiration Date&rdquo;) for exercising subscription rights. If holders
of subscription rights do not exercise their subscription rights prior to such time, their subscription rights will expire and will no
longer be exercisable and will have no value. We will extend the Expiration Date as required by applicable law and may, in our sole discretion,
extend the Expiration Date. If we elect to extend the Expiration Date, we will issue a press release announcing such extension prior
to the scheduled Expiration Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Withdrawal and Termination</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may withdraw the subscription
rights offering at any time prior to the Expiration Date for any reason. We may terminate the subscription rights offering, in whole
or in part, at any time before completion of the subscription rights offering if there is any judgment, order, decree, injunction, statute,
law or regulation entered, enacted, amended or held to be applicable to the subscription rights offering that in the sole judgment of
our board of directors would or might make the subscription rights offering or its completion, whether in whole or in part, illegal or
otherwise restrict or prohibit completion of the subscription rights offering. We may waive any of these conditions and choose to proceed
with the subscription rights offering even if one or more of these events occur. If we terminate the subscription rights offering, in
whole or in part, all affected rights will expire without value, and all subscription payments received by the subscription agent will
be returned promptly without interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Rights of Subscribers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of subscription rights
will have no rights as holders with respect to our common stock, preferred stock, depositary shares or debt securities for which the
rights may be exercised until they have exercised their rights by payment in full of the exercise price and in the manner provided in
the applicable prospectus supplement, and such common stock, preferred stock, depositary shares or debt securities, as applicable, have
been issued to such persons. Holders of subscription rights will have no right to revoke their subscriptions or receive their monies
back after they have completed and delivered the materials required to exercise their subscription rights and have paid the exercise
price to the subscription agent. All exercises of rights will be final and cannot be revoked by the holder of rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Regulatory Limitations</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We will not be required to
issue any person or group of persons shares of our common stock, preferred stock, depositary shares or debt securities pursuant to the
subscription rights offering if, in our sole opinion, such person would be required to give prior notice to or obtain prior approval
from, any state or federal governmental authority to own or control such securities if, at the time the rights offering is scheduled
to expire, such person has not obtained such clearance or approval in form and substance reasonably satisfactory to us.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Standby Agreements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We may enter into one or
more separate agreements with one or more standby underwriters or other persons to purchase, for their own account or on our behalf,
our common stock, preferred stock, depositary shares or debt securities not subscribed for in the subscription rights offering. The terms
of any such agreements will be described in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><A NAME="a_015"></A><B>GLOBAL
SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 be DTC and the securities will be registered in the name of Cede&nbsp;&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&nbsp;&amp; Co., as the registered holder of these securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;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&nbsp;&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,&nbsp;Inc., the American Stock Exchange, LLC and the Financial Industry Regulatory Authority,&nbsp;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&nbsp;applicable to DTC and DTC participants are
on file with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;&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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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&nbsp;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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT></TD><TD STYLE="text-align: justify">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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT></TD><TD STYLE="text-align: justify">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Redemption notices will be
sent to Cede&nbsp;&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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="a_016"></A>PLAN
OF DISTRIBUTION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT></TD><TD STYLE="text-align: justify">the
                                            name or names of any underwriters, dealers or agents and the type and amounts of securities
                                            underwritten or purchased by each of them;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT></TD><TD STYLE="text-align: justify">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</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT></TD><TD STYLE="text-align: justify">any
                                            public offering price and any discounts or concessions allowed or reallowed or paid to dealers
                                            may be changed from time to time.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="a_017"></A>LEGAL
OPINIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="a_018"></A>EXPERTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The consolidated financial
statements of Dime Community Bancshares,&nbsp;Inc. as of December&nbsp;31, 2021 and 2020, and for each of the three years in the period
ended December&nbsp;31, 2021, have been audited by Crowe LLP, an independent registered public accounting firm, as set forth in their
report appearing in our Annual Report on Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2021 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: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>$65,000,000</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2417725d1_424b5sp3img01.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>9.000% Fixed-to-Floating
Rate Subordinated Notes due 2034</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PROSPECTUS SUPPLEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Joint Book-Running Managers</I></FONT> </P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 50%">
    <P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Raymond James</B></P>
    <P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 50%">
    <P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Keefe, Bruyette&nbsp;&amp; Woods</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 102.75pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>A
    Stifel Company</I></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
  </TABLE>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Co-Managers</I></FONT> </P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>D.A. Davidson &amp; Co.&nbsp;</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Piper Sandler</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">June
26, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>2
<FILENAME>tm2417725d3_ex-filingfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 107</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Calculation of Filing Fee Tables</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>424(b)(5)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Form Type)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Dime Community Bancshares, Inc. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in its Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Table 1: Newly Registered and Carry Forward
Securities</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
<TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-left: black 1pt solid; padding-left: 8pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center; padding-left: 8pt; width: 9%">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt; width: 6%">Security&#8195; Type&#8195;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt; width: 12%">Security Class Title</TD>
<TD STYLE="border-bottom: black 1pt solid; padding-right: 2pt; vertical-align: bottom; text-align: center">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 2pt; vertical-align: bottom; text-align: center; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee<BR> Calculation<BR> or Carry<BR> Forward<BR> Rule</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt; width: 10%">Amount Registered</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 2pt; vertical-align: bottom; text-align: center; padding-bottom: 2pt; width: 7%">Proposed<BR> Maximum<BR> Offering Price Per Unit</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt; width: 10%">Maximum<BR> Aggregate<BR> Offering Price</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt; width: 8%">Fee Rate</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 2pt; text-align: center; width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount of<BR> Registration<BR> Fee</FONT></TD></TR>
<TR>
<TD COLSPAN="17" STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 8pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="17" STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 2pt; padding-left: 8pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Newly Registered Securities</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-bottom: 2pt; padding-left: 8pt">Fees&nbsp;To&nbsp;be&#8194; Paid</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Debt</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-bottom: 2pt">9.00%&nbsp;Fixed-to- Floating&nbsp;Rate Subordinated Notes due 2034</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">457(r)(1)</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$74,750,000</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.000%</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$74,750,000</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00014760</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$11,034</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 8pt; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total offering amounts</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 2pt; text-align: center">&nbsp;</TD></TR>
<TR>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 8pt; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total fees previously paid</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 8pt; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total fee offsets</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$9,408</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: bottom; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 8pt; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: top; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; vertical-align: bottom; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net fee due</FONT></TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,626</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Table 2: Fee Offset Claims and Sources</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Registrant or Filer Name</B></FONT></TD>
    <TD STYLE="width: 4%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Form or Filing Type</B></FONT></TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>File Number</B></FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Initial Filing Date</B></FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Filing Date</B></FONT></TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Fee Offset Claimed</B></FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Security Type Associated with Fee Offset Claimed</B></FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Security Title Associated with Fee Offset Claimed</B></FONT></TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Unsold Securities Associated with Fee Offset Claimed</B></FONT></TD>
    <TD STYLE="width: 19%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Unsold Aggregate Offering Amount Associated with Fee Offset Claimed</B></FONT></TD>
    <TD STYLE="width: 11%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Fee Paid with Fee Offset Source</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="12" STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Rule 457(p)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee Offset Claims</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dime Community Bancshares, Inc.</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form S-3</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">333-264390</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">04/20/2022</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$9,408(1)</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated<BR>
(Universal)<BR>
Shelf</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated<BR>
(Universal)<BR>
Shelf</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated<BR>
(Universal)<BR>
Shelf</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$40,000,000(1)</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee Offset Sources</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dime Community Bancshares, Inc.</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form S-3</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">333-230338</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">03/15/2019</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$9,136 (1)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee Offset Sources</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dime Community Bancshares, Inc.</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form S-3</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">333-210245</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;03/16/2016</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$17,816 (1)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(1) Dime Community Bancshares, Inc. (the
&ldquo;<B><I>Company</I></B>&rdquo;) is registering 9.00% Fixed-to-Floating Rate Subordinated Notes due 2034 having a proposed
maximum aggregate offering price of up to $74,750,000, inclusive of the underwriters&rsquo; overallotment option, pursuant to the
prospectus supplement to which this&nbsp;Exhibit&nbsp;107&nbsp;relates (the &ldquo;<B><I>Current Prospectus
Supplement</I></B>&rdquo;). In accordance with Rule 457(p), a filing fee of $24,240 was paid with respect to $200,000,000 aggregate
offering amount of securities that were previously registered pursuant to registration statement No. 333-230338, initially filed by
the Company under its former name, Bridge Bancorp, Inc., on March 15, 2019 and declared effective on April 9, 2019 (the
&ldquo;<B><I>2019 Registration Statement</I></B>&rdquo;), and not sold thereunder. Under the 2019 Registration Statement, the
Company registered an aggregate amount of $200,000,000 of securities and paid an aggregate filing fee of $24,240 for the securities
registered under the 2019 Registration Statement. Of the $200,000,000 aggregate amount of securities registered under the 2019
Registration Statement, $200,000,000 were unissued, which unissued securities are were subsequently deregistered and the offering
was terminated. Accordingly, pursuant to Rule 457(p) under the Securities Act of 1933, as amended, the Company is entitled to
offset, against any filing fee due under this Registration Statement, up to $24,240 of the 2019 Registration Statement filing fee
paid with respect to the unissued securities under the 2019 Registration Statement (calculated at the rate in effect at the time the
2019 Registration Statement was filed). Of the $24,240 filing fee associated with the 2019 Registration Statement, $9,136 was paid
in connection with the filing of the 2019 Registration Statement and $15,104 was offset, in accordance with Rule 457(p), by filing
fees paid with respect to $149,997,000 aggregate offering amount of securities that were previously registered pursuant to
registration statement No. 333-210245, initially filed by the Company on March 16, 2016 and declared effective on April 22, 2016
(the &ldquo;<B><I>2016 Registration Statement</I></B>&rdquo;) and not sold thereunder. Under the 2016 Registration Statement, the
Company registered an aggregate amount of $200,000,000 of securities and paid an aggregate filing fee of $20,140 for the securities
registered under the 2016 Registration Statement. Of the $200,000,000 aggregate amount of securities registered under the 2016
Registration Statement, $149,997,000 were unissued and subsequently deregistered and the offering was terminated. Accordingly,
pursuant to Rule 457(p) under the Securities Act of 1933, as amended, the registrant was entitled to offset, against the filing fee
due for the 2019 Registration Statement, $15,104 of the 2016 Registration Statement filing fee paid with respect to the unissued
securities under the 2016 Registration Statement (calculated at the rate in effect at the time the 2016 Registration Statement was
filed). Of the $20,140 filing fee associated with the 2016 Registration Statement, $17,816 was paid in connection with the filing of
the 2016 Registration Statement and $2,324 was offset, in accordance with Rule 457(p), by filing fees paid with respect to
$20,000,000 aggregate offering amount of securities that were previously registered pursuant to registration statement No.
333-199122, initially filed by the Company on October 2, 2014 and declared effective on October 14, 2014 and not sold thereunder.
For the reasons stated above, the net registration fee paid in connection with the Prospectus Supplement, dated May 3, 2022, to the
Registration Statement on Form S-3ASR (File No. 333-264390) was $0, with $9,408 remaining to be applied to the Current Prospectus
Supplement filing from the fee offset sources.</P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
