<SEC-DOCUMENT>0001104659-24-116296.txt : 20241112
<SEC-HEADER>0001104659-24-116296.hdr.sgml : 20241112
<ACCEPTANCE-DATETIME>20241112065412
ACCESSION NUMBER:		0001104659-24-116296
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20241112
DATE AS OF CHANGE:		20241112

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:		241443131

	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>tm2428028d1_424b5.htm
<DESCRIPTION>424B5
<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>Filed Pursuant to Rule&nbsp;424(b)(5)<BR>
Registration No.&nbsp;333-264390</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; color: red"><B>The information in this preliminary
prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not
an offer to sell these securities and we are not soliciting an offer to buy these securities in any jurisdiction where the offer or sale
is not permitted.</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; color: red"><B>SUBJECT TO COMPLETION, DATED NOVEMBER
12, 2024</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>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>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P>

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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2428028d1_424b5img001.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>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"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 0 auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are offering&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
of our common stock, $0.01 par value per share (our &ldquo;<I>common stock</I>&rdquo;). Our common stock is listed on the NASDAQ Global
Select Market under the symbol &ldquo;DCOM.&rdquo; The last reported closing price of our common stock on the NASDAQ Global Select Market
on November&nbsp;8, 2024 was $33.44 per share.</P>

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0 auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Investing in our common stock involves risks.
See &ldquo;<A HREF="#b_007">Risk Factors</A>&rdquo; beginning on page&nbsp;S-7<SUP></SUP> 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: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Per Share</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Total<SUP>(1)</SUP></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&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></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"></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">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting
    discount<SUP>(2)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></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"></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"></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"></P>

<P STYLE="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;Assumes
no exercise of the underwriters&rsquo; option to purchase additional shares described below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>(2)</SUP>&nbsp;See &ldquo;Underwriting&rdquo;
in this prospectus supplement for details regarding the underwriters&rsquo; compensation.</P>

<P STYLE="font: 10pt Times 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 have granted the underwriters an option to
purchase up to an additional&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
of common stock within 30 days from the date of this prospectus supplement on the same terms and conditions set forth 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"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 0 auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>None of the U.S. Securities and Exchange Commission
(the &ldquo;<I>SEC</I>&rdquo;), any state securities commission, the Federal Deposit Insurance Corporation (the &ldquo;<I>FDIC</I>&rdquo;),
the Board of Governors of the Federal Reserve System (the &ldquo;<I>Federal Reserve</I>&rdquo;), the New York Department of Financial
Services (the &ldquo;<I>NYDFS</I>&rdquo;), or any other regulatory authority has approved or disapproved of these securities or determined
if this prospectus supplement or the accompanying prospectus 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>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Shares of our common stock are not savings
accounts, deposits or other obligations of any bank or non-bank subsidiary of Dime Community Bancshares,&nbsp;Inc. (&ldquo;<I>DCOM</I>&rdquo;),
and are not insured or guaranteed by the FDIC 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">The underwriters expect to deliver the shares
of common stock to purchasers in book-entry form through the facilities of The Depository Trust Company, against payment on or about November&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
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 CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <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></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Raymond James</B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 33%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Keefe, Bruyette&nbsp;&amp; Woods</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>A Stifel Company</I></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">The date of this prospectus supplement is&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
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>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS<SUP></SUP></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 CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 94%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT THIS PROSPECTUS SUPPLEMENT</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>2</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A HREF="#b_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>3</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>3</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A HREF="#b_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAUTIONARY NOTE CONCERNING FORWARD-LOOKING STATEMENTS</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>4</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PROSPECTUS SUPPLEMENT SUMMARY</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>5</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A HREF="#b_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">THE OFFERING</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>6</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK FACTORS</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>7</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A HREF="#b_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE OF PROCEEDS</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>10</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAPITALIZATION</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>11</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A HREF="#b_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>12</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">UNDERWRITING</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>15</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A HREF="#b_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL MATTERS</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>17</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXPERTS</FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-</FONT>17</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; vertical-align: top; width: 94%"><U></U></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page</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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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; 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"><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; 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; 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; 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"><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; 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"><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; 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; 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; 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; 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; 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; 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; 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; 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; 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"><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; 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; 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; 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; 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; 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"></P>

<P STYLE="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: 2; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="b_001"></A><B>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 common stock 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 common stock 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 common stock 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 common
stock, 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"></P>

<!-- Field: Page; Sequence: 3; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_002"></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">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>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; 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 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>.
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="b_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 &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 common stock
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: 0.5in"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">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;<I>2023 Form&nbsp;10-K</I>&rdquo;), filed with the SEC on February&nbsp;22, 2024</A></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: 0.5in"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">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></FONT> (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: 0.5in"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our Quarterly Reports on Form&nbsp;10-Q
for the quarters ended <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2024</A></FONT>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000053/dcom-20240630x10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2024</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000063/dcom-20240930x10q.htm" STYLE="-sec-extract: exhibit">September&nbsp;30, 2024</A>, filed with the SEC on May&nbsp;2, 2024,
August&nbsp;1, 2024 and November&nbsp;5, 2024, respectively;</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: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our Current Reports on Form&nbsp;8-K
filed with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000022/dcom-20240312x8k.htm" STYLE="-sec-extract: exhibit">March&nbsp;12, 2024</A></FONT>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000025/dcom-20240328x8k.htm" STYLE="-sec-extract: exhibit">March&nbsp;28, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000094337424000135/form8k_041524.htm" STYLE="-sec-extract: exhibit">April&nbsp;18, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000034/dcom-20240425x8k.htm" STYLE="-sec-extract: exhibit">April&nbsp;25, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000042/dcom-20240523x8k.htm" STYLE="-sec-extract: exhibit">May&nbsp;23, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000094337424000208/form8k_052324.htm" STYLE="-sec-extract: exhibit">May&nbsp;28, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000045/dcom-20240620x8k.htm" STYLE="-sec-extract: exhibit">June&nbsp;20, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000110465924075280/tm2418038d1_8k.htm" STYLE="-sec-extract: exhibit">June&nbsp;27, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000110465924076292/tm2417725d4_8k.htm" STYLE="-sec-extract: exhibit">June&nbsp;28, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000051/dcom-20240725x8k.htm" STYLE="-sec-extract: exhibit">July&nbsp;25, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000055/dcom-20240814x8k.htm" STYLE="-sec-extract: exhibit">August&nbsp;14, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000155837024013044/dcom-20240926x8k.htm" STYLE="-sec-extract: exhibit">September&nbsp;26, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000084661724000061/dcom-20241024x8k.htm" STYLE="-sec-extract: exhibit">October&nbsp;24, 2024</A>, and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000846617/000094337424000436/form8k_102424.htm" STYLE="-sec-extract: exhibit">October&nbsp;25, 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: 0.5in"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">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></FONT> 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: 0.5in"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">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</A></FONT> filed with the SEC on February&nbsp;1, 2021 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; 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>

<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_004"></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">&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">&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">&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">&middot;</FONT></TD><TD>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">&middot;</FONT></TD><TD>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">&middot;</FONT></TD><TD>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">&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">&middot;</FONT></TD><TD>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">&middot;</FONT></TD><TD>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">&middot;</FONT></TD><TD>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">&middot;</FONT></TD><TD>the success of new business initiatives or the integration of any acquired entities;</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">&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">&middot;</FONT></TD><TD>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; 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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>

<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_005"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><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 </I></FONT><I><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 Quarterly Reports on Form&nbsp;10-Q for the quarters ended <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000053/dcom-20240630x10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2024</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000063/dcom-20240930x10q.htm" STYLE="-sec-extract: exhibit">September&nbsp;30, 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;<I>Fannie Mae</I>&rdquo;), Government National
Mortgage Association (&ldquo;<I>Ginnie Mae</I>&rdquo;) and Federal Home Loan Mortgage Corporation (&ldquo;<I>Freddie Mac</I>&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;<I>Legacy Dime</I>&rdquo;) merged with and into Bridge Bancorp,&nbsp;Inc.,
a New York corporation (&ldquo;<I>Bridge</I>&rdquo;) (the &ldquo;<I>Merger</I>&rdquo;), with Bridge as the surviving corporation under
the name &ldquo;Dime Community Bancshares,&nbsp;Inc.&rdquo; (the &ldquo;<I>Holding Company</I>&rdquo;). At the effective time of the Merger
(the &ldquo;<I>Effective Time</I>&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. At the Effective Time,
each outstanding share of Legacy Dime&rsquo;s Series&nbsp;A preferred stock, par value $0.01 (the &ldquo;<I>Preferred Stock</I>&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. 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; text-align: justify; text-indent: 0.5in">As of September&nbsp;30, 2024,
we operated 61 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">At September&nbsp;30, 2024,
we had total consolidated assets of $13.7&nbsp;billion, total loans held for investment, net of fees and costs, of $10.9&nbsp;billion,
total deposits of $11.4&nbsp;billion, and total stockholders&rsquo; equity of $1.3 billion.</P>

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

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_006"></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 common stock and this offering. This description
is not complete and does not contain all of the information that you should consider before investing in the common stock. 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 common stock. For a more complete understanding of the common stock,
you should read the section of the accompanying prospectus entitled &ldquo;Description of Securities&mdash;Common Stock.&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-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer</FONT></TD>
    <TD STYLE="width: 71%; padding-left: 4.85pt; 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-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares of common stock offered by us</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares if the underwriters exercise in full their option to purchase additional shares).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares of common stock to be outstanding after the offering</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares if the underwriters exercise in full their option to purchase additional shares).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public offering price per share</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Use of Proceeds</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We intend to use the net proceeds of this offering for general corporate purposes to support our continued organic growth, which may include, among other things, working capital, investments in our bank subsidiary, and potential balance sheet optimization strategies. See &ldquo;Use of Proceeds.&rdquo;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lock-up agreements</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We, certain of our executive officers and all of our directors have entered into lock-up agreements, which restrict such persons from engaging in certain transactions in our securities during the Lock-Up Period (as defined below) without the consent of the underwriters. See &ldquo;Underwriting&mdash;Lock-Up Agreements.&rdquo;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Listing and trading symbol</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our common stock is traded on NASDAQ Global Select Market under the symbol &ldquo;DCOM&rdquo;.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt">&nbsp;</TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Factors</FONT></TD>
    <TD STYLE="padding-left: 4.85pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investing
in shares of our common stock involves risks. Potential investors are urged to read and consider the risk factors relating to an investment
in our common stock set forth under &ldquo;<A HREF="#b_007">Risk Factors</A>&rdquo; beginning on page&nbsp;S-7 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></FONT> as supplemented
by our Quarterly Reports on Form&nbsp;10-Q for the quarters ended <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000053/dcom-20240630x10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2024</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000063/dcom-20240930x10q.htm" STYLE="-sec-extract: exhibit">September&nbsp;30, 2024</A>
for a discussion of factors that you should carefully consider before deciding whether to invest in shares our common stock.</TD></TR>
  </TABLE>
<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">Unless otherwise noted, references in this prospectus supplement to
the number of shares of our common stock outstanding after this offering are based on 39,151,650 shares of our common stock issued and
outstanding as of September&nbsp;30, 2024. Except as otherwise indicated, the information in this prospectus supplement:</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">&middot;</FONT></TD><TD STYLE="text-align: justify">Includes 760,228 unvested shares of restricted stock granted under our 2021 Equity Incentive Plan (the &ldquo;<I>2021 Plan</I>&rdquo;),
2019 Equity Incentive Plan (the &ldquo;<I>2019 Plan</I>&rdquo;) and 2012 Equity Incentive Plan (the &ldquo;<I>2012 Plan</I>&rdquo; and
together with the 2021 Plan and 2019 Plan, the &ldquo;<I>Equity Incentive Plans</I>&rdquo;);</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">&middot;</FONT></TD><TD>excludes 494,587 unvested restricted stock units granted under the Equity Incentive Plans;</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">&middot;</FONT></TD><TD STYLE="text-align: justify">excludes 268,583 shares of unvested performance based restricted stock units (assuming attainment of performance goal at target) granted
under the Equity Incentive Plans;</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">&middot;</FONT></TD><TD>excludes 1,185,000 shares of common stock reserved for issuance under our Equity Incentive Plans; 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">&middot;</FONT></TD><TD>assumes no exercise of the underwriters&rsquo; option to purchase additional shares of our common stock.</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>

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

<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_007"></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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><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 </I></FONT><I><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 Quarterly Reports on Form&nbsp;10-Q for the three months ended <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000038/dcom-20240331x10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2024</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000053/dcom-20240630x10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2024</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/846617/000084661724000063/dcom-20240930x10q.htm" STYLE="-sec-extract: exhibit">September&nbsp;30, 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 an Investment in Our
Common Stock and 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"><B>The rights of our common shareholders are subordinate
to the holders of any debt securities that we have issued or may issue from time to time.</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 of September&nbsp;30, 2024,
we had outstanding $40.0 million of 5.75% Fixed-to-Floating Rate Subordinated Debentures due 2030, $160.0 million of 5.00% Fixed-to-Floating
Rate Subordinated Notes due 2032, and $74.8 million of 9.00% Fixed-to-Floating Rate Subordinated Notes due 2034 (collectively, the <I>Existing
Notes</I>&rdquo;). Because these debt instruments rank senior to our common stock, if we fail to timely make principal and interest payments
on the Existing Notes, we may not pay any dividends on our common stock. Further, if we declare bankruptcy, dissolve, or liquidate, the
holders of the Existing Notes must be satisfied before any distributions can be made to the holders of our common 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"><B>An investment in our common stock is not insured
or guaranteed by the FDIC, any other governmental agency or any of our subsidiaries, so you could lose some or all of your investment.</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">An investment in our common
stock is not a savings account, deposit or other obligation of the Bank or any of our non-bank subsidiaries and is not insured or guaranteed
by the FDIC or any other governmental agency or public or private insurer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investment in our common stock
is inherently risky for the reasons described herein, and is subject to the same market forces that affect the price of common stock in
any company. As a result, if you acquire our common stock, you could lose some or all 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: justify"><B>The use of the net proceeds from the offering
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 offering. The descriptions in this prospectus supplement of our use of the proceeds
from the offering 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; text-align: justify"><B>The stock price of financial institutions,
like the Company, may fluctuate significantly.</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 cannot predict the prices
at which our shares of common stock will continue to trade. You should consider an investment in our common stock to be risky. The trading
price has been, and may in the future be highly volatile, which may make it difficult for you to resell your shares at the volume, prices
and times desired. There are many factors that may affect the market price and trading volume of our shares of common stock, including
the factors described in this &ldquo;Risk Factors&rdquo; section, and other factors, most of which are outside of our control.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Stock markets in general have
experienced volatility that has often been unrelated to the operating performance of a particular company or industry. These broad market
fluctuations, as well as general economic, systemic, political and market conditions, including recessions, loss of investor confidence,
and interest rate changes, may negatively affect the market price of our common stock. Increased market volatility may materially and
adversely affect the market price of our common stock, which could make it difficult to sell your shares at the volume, prices and times
desired.</P>

<P STYLE="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: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>We can issue additional equity securities,
which would lead to dilution of our issued and outstanding 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">The issuance of additional
equity securities or securities convertible into equity securities would result in dilution of our existing shareholders&rsquo; equity
interests. We are authorized to issue up to 80 million shares of our common stock, par value $0.01 per share. We are authorized to issue
up to 10 million shares of preferred stock in one or more series, which may give other shareholders dividend, conversion, voting, and
liquidation rights, among other rights, which may be superior to the rights of holders of our common stock. We are authorized to issue,
except as required by law or the NASDAQ Global Select Market, securities convertible into either common stock or preferred stock. Furthermore,
we have adopted an equity compensation program for our employees which also could result in dilution of our existing shareholders&rsquo;
equity 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">Following the completion of
this offering, and assuming no exercise of the underwriters&rsquo; option to purchase additional shares, we will have issued and outstanding&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
of our common stock (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
if the underwriters exercise their option to purchase additional shares in full), a significant portion of which will be freely transferable
without restriction or further registration under the Securities Act. We, certain of our executive officers and all of our directors holding,
in the aggregate, 3,857,198 shares of our common stock as of November&nbsp;8, 2024 (representing approximately 9% of our outstanding shares
of common stock as of such date), have agreed not to sell any shares of our common stock for a period of 90 days from the date of this
prospectus supplement (the &ldquo;<I>Lock-Up Period</I>&rdquo;), subject to certain exceptions. See the section entitled &ldquo;Underwriting.&rdquo;
Following the expiration of the Lock-Up Period, all of these shares will be eligible for resale under Rule&nbsp;144 of the Securities
Act, subject to any applicable holding period requirements and volume limitations. In addition, the underwriters, at any time and without
notice, may release all or any portion of the common stock subject to such lock-up restrictions. The remaining shares of our common stock
outstanding prior to this offering are not subject to lock-up agreements and they may be freely resold at any time, subject to the restrictions
described in this prospectus supplement, if applicable, for affiliate holders. The shares of our common stock being offered and sold in
this offering will also generally be available for resale into the public markets. See the section entitled &ldquo;Underwriting.&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">The market price for our common
stock may decline significantly when the restrictions on resale by our existing shareholders lapse. Actual or anticipated issuances or
sales of substantial additional amounts of our common stock following this offering could cause the market price of our common stock to
decline significantly and make it more difficult for us to sell equity or equity-related securities in the future on favorable terms,
or at all. We cannot predict the size of future issuances of our common stock or the effect, if any, that future issuances and sales of
our common stock will have on the market price of our common stock. Sales of substantial amounts of our common stock, or the perception
that such sales could occur, may adversely affect prevailing market prices for our common stock. Further, a decline in the market price
of our common stock might impede our ability to raise capital through the issuance of additional common stock or other equity 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"><B>Certain provisions of our restated certificate
of incorporation and amended and restated bylaws, New York law, and U.S. banking laws could have anti-takeover effects.</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">Certain provisions of our
restated certificate of incorporation and amended and restated bylaws, as well as New York law, and the Bank Holding Company Act, and
Change in Bank Control Act, could delay or prevent a change of control that you may favor. Our restated certificate of incorporation and
amended and restated bylaws include certain provisions that could delay a takeover or change in control of us, including: the exclusive
right of our board to fill any director vacancy; advance notice requirements for shareholder proposals and director nominations; and supermajority
vote requirements for business combinations.</P>

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

<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If securities or industry analysts do not publish
research or publish inaccurate or unfavorable research about our business, or change their recommendations regarding our common stock
or if our operating results do not meet their expectations, the market price of our common stock and trading volume could decline.</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 trading market for our
common stock depends in part on the research and reports that securities or industry analysts publish about us or our business. If one
or more of the analysts who covers us downgrades our stock or publishes inaccurate or unfavorable research about our business, or our
operating results do not meet their expectations, either absolutely or relative to our competitors, the market price of our common stock
would likely decline. If one or more of these analysts cease coverage of us or fail to publish reports on us regularly, we could lose
visibility in the financial markets, which in turn could cause the market price of our common stock or trading volume to decline. If we
fail to meet the expectations of analysts for our operating results, the market price of our common stock would likely decline. If one
or more of these analysts ceases coverage of us or fails to publish reports on us regularly, demand for our stock could decrease, which
could cause the market price of our common stock and trading volume to decline.</P>

<P STYLE="font: 10pt Times 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 cannot guarantee the timing, amount or payment
of any dividends on our 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 currently expect that we
will continue to pay quarterly cash dividends. The timing, declaration, amount and payment of any future dividends to stockholders will
fall within the discretion of our Board of Directors. The Board of Directors&rsquo; decisions regarding the payment of dividends will
depend on many factors, such as our financial condition, earnings, corporate strategy, capital requirements, debt service obligations,
industry practice, legal requirements, regulatory constraints, and other factors that the Board of Directors deems relevant.</P>

<P STYLE="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: 10; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_008"></A>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 $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 to support our continued organic growth, which
may include, among other things, working capital, investments in our bank subsidiary, and potential balance sheet optimization strategies.
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 of the offering. 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>

<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_009"></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 September&nbsp;30, 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 common stock in this offering (after deducting the underwriting discount
and estimated offering expenses, and assuming no exercise of the underwriters&rsquo; overallotment option).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; 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 September&nbsp;30, 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: italic 10pt Times New Roman, Times, Serif">&nbsp;</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="6" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><B>As of September
30, 2024</B></TD>
<TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font: italic 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">(Dollars in thousands)</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><B>Actual</B> &nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font: 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<BR>
for<BR> this offering <SUP>(2)</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: 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">$</TD>
<TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">626,056</TD>
<TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
<TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD>
<TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> &nbsp; &nbsp;</FONT></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-size: 10pt">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; 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: 10pt">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font: 10pt Times New Roman, Times, Serif">Deposits:</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; 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">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">$</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,319,001</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,319,001</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">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">8,098,317</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">8,098,317</TD>
<TD STYLE="padding-bottom: 1pt; 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">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">11,417,318</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">11,417,318</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">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">508,000</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">508,000</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">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">41,986</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">41,986</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 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">158,144</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">158,144</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 2034</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">72,170</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">72,170</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">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">284,982</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">284,982</TD>
<TD STYLE="padding-bottom: 1pt; 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">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">12,482,600</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">12,482,600</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-size: 10pt">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; 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">Shareholders&rsquo; Equity:</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font: 10pt Times New Roman, Times, Serif">Common stock, $0.01 par value (80,000,000 shares authorized; 39,151,650 shares issued at September&nbsp;30, 2024; 39,151,650 shares&#8239;outstanding at September&nbsp;30, 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"></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">Preferred stock, Series&nbsp;A, $0.01 par value (10,000,000 shares authorized and 5,299,200 shares outstanding at September&nbsp;30, 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: White">
<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">478,496</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"></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">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">(86,272</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">(86,272</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">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">827,690</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">827,690</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">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">(72,970</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">(72,970</TD>
<TD STYLE="padding-bottom: 1pt; 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; 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">1,263,929</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"></TD>
<TD STYLE="padding-bottom: 1pt; 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: 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">13,746,529</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"></TD>
<TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-size: 10pt">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; 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"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Capital Ratios<SUP>(1)</SUP></B></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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: left">&nbsp;</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">&nbsp;</TD>
<TD STYLE="font-size: 10pt; 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">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">10.16</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"></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">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">11.28</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"></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">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">14.76</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"></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">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">8.76</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"></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">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<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">The as adjusted calculations for the risk-based capital ratios for DCOM assume that the net proceeds from the sale of the common stock
are invested in assets that carry a 0% risk weighting.</TD></TR><TR STYLE="vertical-align: top">
<TD><SUP>(2)</SUP></TD><TD STYLE="text-align: justify">Does not give effect to the application of the net proceeds of this offering.</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>

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="b_010"></A>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: 0.25in">The following is a summary
of certain material United States federal income tax consequences of the purchase, ownership and disposition of our common stock by a
non-U.S. holder (as defined below) that acquires our common stock in this offering and holds our common stock as a &ldquo;capital asset&rdquo;
(generally, property held for investment). This summary is based on current provisions of the Internal Revenue Code of 1986, as amended
(the &ldquo;<I>Code</I>&rdquo;), Treasury regulations and judicial and administrative authority, all of which are subject to change or
differing interpretation, possibly with retroactive effect. Any such change or differing interpretation could result in U.S. federal income
tax consequences that differ from those summarized below. We have not sought any ruling from the Internal Revenue Service (the &ldquo;<I>IRS</I>&rdquo;),
with respect to any of the U.S. federal income tax consequences discussed below and there can be no assurance that the IRS would not assert,
or that a court would not sustain, positions contrary to those described in this summary.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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">This summary does not address
all aspects of U.S. federal income taxation that may be relevant to particular investors in light of their individual circumstances, or
to investors subject to special treatment under U.S. federal income tax laws, including, but not limited to, tax-exempt organizations,
insurance companies, banks or other financial institutions, partnerships or other entities classified as partnerships for U.S. federal
income tax purposes, dealers in securities, persons liable for the alternative minimum tax, traders in securities that elect to use a
mark-to-market method of accounting for their securities holdings, persons who have acquired our common stock as compensation or otherwise
in connection with the performance of services, persons subject to special tax accounting rules&nbsp;under Code Section&nbsp;451(b), or
persons that will hold our common stock as a position in a &ldquo;hedging transaction,&rdquo; &ldquo;straddle,&rdquo; &ldquo;conversion
transaction&rdquo; or other risk reduction transaction. This summary does not address all aspects of U.S. federal income taxes, such as
consequences under the Medicare contribution tax or the alternative minimum tax. Further, this summary does not address the consequences
under any U.S. federal tax laws other than U.S. federal income tax laws, such as U.S. federal estate or gift tax laws, and does not address
the consequences under the tax laws of any state, local, or non-U.S. jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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">As used in this summary,
the terms &ldquo;non-U.S. holder&rdquo; or &ldquo;you&rdquo; refer to a beneficial owner of our common stock that for U.S. federal income
tax purposes is neither a partnership (including any entity or arrangement treated as a partnership for such purposes) nor a &ldquo;United
States person&rdquo; which term refers to any person that, for U.S. federal income tax purposes, is or is treated as any of 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">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #231f20">an individual who is a citizen or resident of the United States (including
certain former citizens and former long-term residents of the United States);</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: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #231f20">a corporation (or other entity or arrangement taxable for U.S. federal income
tax purposes as a corporation) created or organized in or under the laws of the United States or any state thereof, including 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: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #231f20">an estate the income of which is subject to U.S. federal income tax 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: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #231f20">a trust which (1)&nbsp;is subject to the primary supervision of a court within
the United States and one or more United States persons as defined under Section&nbsp;7701(a)(30) of the Code have the authority to control
all substantial decisions of the trust, or (2)&nbsp;has a valid election in effect under applicable Treasury regulations to be treated
as a United States 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: 0.25in; color: #231f20">If an entity
or arrangement treated as a partnership for U.S. federal income tax purposes holds our common stock, the tax treatment of a partner in
the partnership generally will depend upon the status of the partner and the activities of the partnership. If you are treated as a partner
in such an entity holding our common stock, you should consult your tax advisor as to the U.S. federal income tax consequences applicable
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: 0.25in; color: #231f20"><B>THIS DISCUSSION
IS PROVIDED FOR GENERAL INFORMATION ONLY AND DOES NOT CONSTITUTE LEGAL OR TAX ADVICE TO ANY PROSPECTIVE PURCHASER OF OUR COMMON STOCK.
YOU ARE URGED TO CONSULT YOUR TAX ADVISOR WITH RESPECT TO THE APPLICATION OF THE U.S. FEDERAL INCOME TAX LAWS TO YOUR PARTICULAR SITUATION,
AS WELL AS ANY TAX CONSEQUENCES OF THE PURCHASE, OWNERSHIP AND DISPOSITION OF OUR COMMON STOCK ARISING UNDER THE U.S. FEDERAL ESTATE OR
GIFT TAX RULES OR UNDER THE LAWS OF ANY STATE, LOCAL, NON- U.S. OR OTHER TAXING JURISDICTION OR UNDER ANY APPLICABLE TAX TREATY.</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; color: #231f20"><B>Distributions</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: 0.25in; color: #231f20">Distributions
paid with respect to our common stock generally will be treated as dividends for U.S. federal income tax purposes to the extent of our
current or accumulated earnings and profits, as determined for U.S. federal income tax purposes. Distributions not treated as dividends
for U.S. federal income tax purposes first will constitute a return of capital and be applied against and reduce a non-U.S. Holder&rsquo;s
adjusted tax basis in its common stock, but not below zero. Any excess will be treated as capital gain and will be treated as described
below under &ldquo;-Sale or Other Taxable Disposition.&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>

<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in; color: #231f20">Subject to
the discussion below on effectively connected income, dividends paid to a non-U.S. Holder of our common stock will be subject to United
States federal withholding tax at a rate of 30% of the gross amount of the dividends (or such lower rate specified by an applicable income
tax treaty, provided the non-U.S. Holder furnishes a valid IRS Form&nbsp;W-8BEN or W-8BEN-E (or other applicable documentation) certifying
qualification for the lower treaty rate). If a non-U.S. Holder holds the stock through a financial institution or other intermediary,
the non-U.S. Holder will be required to provide appropriate documentation to the intermediary, which then will be required to provide
certification to the applicable withholding agent, either directly or through other intermediaries. A non-U.S. Holder that does not timely
furnish the required documentation, but that qualifies for a reduced treaty rate, may obtain a refund of any excess amounts withheld by
timely filing an appropriate claim for refund with the IRS. Non-U.S. Holders should consult their tax advisors regarding their entitlement
to benefits under any applicable income tax treaty.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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; color: #231f20">If dividends
paid to a non-U.S. Holder are effectively connected with the non-U.S. Holder&rsquo;s conduct of a trade or business within the United
States (and, if required by an applicable income tax treaty, the non-U.S. Holder maintains a permanent establishment in the United States
to which such dividends are attributable), the non-U.S. Holder will be exempt from the U.S. federal withholding tax described above. To
claim the exemption, the non-U.S. Holder must furnish to the applicable withholding agent a valid IRS Form&nbsp;W-8ECI, certifying that
the dividends are effectively connected with the non-U.S. Holder&rsquo;s conduct of a trade or business within the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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; color: #231f20">Any such
effectively connected dividends will be subject to U.S. federal income tax on a net income basis at the regular graduated rates. A non-U.S.
Holder that is a corporation also may be subject to a branch profits tax at a rate of 30% (or such lower rate specified by an applicable
income tax treaty) on such effectively connected dividends, as adjusted for certain items. Non-U.S. Holders should consult their tax advisors
regarding any applicable tax treaties that may provide for different rules.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #231f20"><B>Sale or Other Taxable Disposition</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: 0.25in; color: #231f20">A non-U.S.
holder generally will not be subject to U.S. federal income or withholding tax on gain realized on the sale or other taxable disposition
of our common stock 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; color: #231f20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">you are a nonresident alien individual present in the United States for 183 days or more during the taxable
year of the disposition and certain other requirements are met;</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; color: #231f20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the gain is effectively connected with your conduct of a trade or business within the United States (and,
if required by an applicable income tax treaty, you maintain a permanent establishment or fixed base in the United States to which such
gain is attributable); 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; color: #231f20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">our common stock constitutes a United States real property interest (&ldquo;<I>USRPI</I>&rdquo;), by reason
of our status as a U.S. real property holding corporation, or USRPHC, for U.S. federal income tax purposes and certain other conditions
are satisfied.</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 0pt 0.25in; text-align: justify; color: #231f20">Gain described in the
first bullet point above will be subject to a flat 30% tax (or such lower rate as specified by any applicable income tax treaty), which
may be offset by U.S. source capital losses of the non-U.S. Holder (even though the individual is not considered a resident of the United
States), provided the non-U.S. Holder has timely filed U.S. federal income tax returns with respect to such losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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; color: #231f20">Gain described
in the second bullet point above generally will be subject to U.S. federal income tax, net of certain deductions, at regular U.S. federal
income tax rates. A non-U.S. holder that is a corporation also may be subject to a branch profits tax at a rate of 30% (or such lower
rate specified by an applicable income tax treaty) on such effectively connected gain, as adjusted for certain items.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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; color: #231f20">With respect
to the third bullet point above, we believe we currently are not, and do not anticipate becoming, a USRPHC. However, because the determination
of whether we are a USRPHC depends on the fair market value of our U.S. real property relative to the fair market value of our worldwide
real property interests plus certain other business assets, there can be no assurance that we are not or will not become a USRPHC. Generally,
a corporation is a USRPHC only if the fair market value of its USRPIs equals or exceeds 50% of the sum of the fair market value of its
worldwide real property interests plus certain other business assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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; color: #231f20">Even if we
are or were to become a USRPHC, gain arising from a non-U.S. Holder&rsquo;s sale or other taxable disposition of our common stock will
not be subject to U.S. federal income tax if our common stock is regularly traded on an established securities market (within the meaning
of Code Section&nbsp;897(c)(3)) and the non-U.S. Holder actually and constructively owns 5% or less of our common stock throughout the
shorter of the five-year period preceding the non-U.S. Holder&rsquo;s disposition of, or the non-U.S. Holder&rsquo;s holding period for,
our common stock. Please note, though, that we can provide no assurance that our common stock will be or remain regularly traded.</P>

<P STYLE="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: 14; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #231f20"><B>Information Reporting and Backup
Withholding</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: 0.25in; color: #231f20">Annual reporting
to the IRS and to each non-U.S. Holder will be required as to the amount of dividends paid to such non-U.S. Holder and the amount, if
any, of tax withheld with respect to such dividends. This information may also be made available to the tax authorities in the non-U.S.
Holder&rsquo;s country of residence. Dividends generally are not subject to &ldquo;backup withholding&rdquo; if the non-U.S. Holder properly
certifies as to its non-U.S. status (usually by completing an IRS Form&nbsp;W-8BEN, Form&nbsp;W-8BEN-E or Form&nbsp;W-8ECI).</P>

<P STYLE="font: 10pt Times New Roman, Times, 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; color: #231f20">The payment
of the proceeds of the sale or other disposition of our common stock to or through the U.S. office of a broker will be subject to both
backup withholding and information reporting unless the non-U.S. Holder certifies its non-U.S. status (usually by completing an IRS Form&nbsp;W-8BEN,
Form&nbsp;W-8BEN-E or Form&nbsp;W-8ECI) or otherwise establishes an exemption. Information reporting requirements, but not backup withholding,
generally will also apply to payments of the proceeds of a sale or other disposition of our common stock by a non-U.S. office of a U.S.
broker or a non-U.S. broker with certain types of relationships to the United States unless the non-U.S. Holder certifies its non-U.S.
status or 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: 0.25in; color: #231f20">Backup withholding
is not an additional tax. Any amounts withheld under the backup withholding rules&nbsp;from payments made to a non-U.S. Holder may be
refunded or credited against such non-U.S. Holder&rsquo;s U.S. federal income tax liability, if any, 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; color: #231f20"><B>Foreign Account Tax Compliance
Act</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: 0.25in; color: #231f20">Sections
1471 through 1474 of the Code, known as the Foreign Account Tax Compliance Act (&ldquo;<I>FATCA</I>&rdquo;), and the relevant administrative
guidance thereunder, impose a withholding tax of 30% on dividends on our common stock paid to certain foreign entities unless various
information reporting, withholding and other requirements are satisfied. Although withholding under FATCA would have applied to payments
of gross proceeds from the taxable disposition of our common stock on or after January&nbsp;1, 2019, proposed Treasury regulations eliminate
FATCA withholding on payments of gross proceeds entirely. Taxpayers generally may rely on these proposed Treasury regulations until final
Treasury regulations are issued. Under certain circumstances, a non-U.S. holder might be eligible for refunds or credits of such taxes.
An inter-governmental agreement between the United States and an applicable non-U.S. country may modify such requirements. Prospective
investors should consult their own tax advisors regarding the relevant U.S. law and other official guidance on FATCA withholding.</P>

<P STYLE="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: 15; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="b_011"></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 common stock being offered pursuant
to this prospectus supplement. Subject to certain conditions, each underwriter has agreed, severally and not jointly, to purchase the
number of shares of our common stock 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 CELLSPACING="0" CELLPADDING="0" STYLE="margin-left: 0.25in; font: 10pt Times New Roman, Times, Serif; width: 97%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 80%; border-bottom: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriters</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 18%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of Shares</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Raymond James&nbsp;&amp; Associates,&nbsp;Inc. </FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD>&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 shares 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 underwriters are offering
the shares offered hereby subject to their acceptance of such shares 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">Shares of our common stock
sold by the underwriters to the public will be offered at the public offering price set forth on the cover of this prospectus supplement.
This underwriting discount will also apply to any shares of common stock purchased pursuant to the overallotment option. Any shares of
common stock sold by the underwriters to securities dealers may be sold at the initial public offering price less a concession not in
excess of $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
per share. If all of the shares of our common stock 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 shares of our common stock 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 discount and commissions that we are to pay the underwriters and the proceeds, before expenses,
to us in connection with this offering. The information assumes either no exercise or full exercise by the underwriters of their overallotment
option.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="margin-left: 0.25in; border-collapse: collapse; width: 97%; 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 Share</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">No Exercise <BR>
of <BR>
Overallotment<BR>
 Option</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><B>Full Exercise<BR>
 of <BR>
Overallotment <BR>
Option</B></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; width: 63%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public offering price<SUP></SUP></FONT></TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right"></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">$</TD>
    <TD STYLE="text-align: right; width: 10%"></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting discounts and commissions paid by us<SUP>(1)</SUP></FONT></TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD>
    <TD>&nbsp;</TD>
    <TD>$</TD>
    <TD STYLE="text-align: right"></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">$</TD><TD STYLE="font: 9pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"></TD>
    <TD>&nbsp;</TD>
    <TD>$</TD>
    <TD STYLE="text-align: right"></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>

<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"><SUP>(1)</SUP></FONT>&nbsp;&nbsp;&nbsp;&nbsp;We
have agreed to reimburse the underwriters up to $150,000 for certain legal expenses in connection with this offering. Such reimbursement
is deemed underwriter compensation by the Financial Industry Regulatory Authority (&ldquo;<I>FINRA</I>&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 estimate expenses payable
by us in connection with this offering, other than, in each case, underwriting discounts and commissions, will be approximately $450,000.</P>

<P STYLE="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>Overallotment Option</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 granted an option
to the underwriters to purchase up to an additional&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; shares of common stock 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
shares of common stock proportionate to that underwriter&rsquo;s initial principal amount reflected in the table 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"></P>

<!-- Field: Page; Sequence: 16; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>NASDAQ 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">Our common stock is listed
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; color: #231f20"><B>Lock-Up Agreements</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: 0.25in">We, certain of our executive
officers and all of our directors, have agreed, for the period beginning on and including the date of this prospectus supplement through
and including the date that is 90 days after the date of this prospectus supplement, without the prior written consent of each representative
of the underwriters, not to:</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: 36pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">offer, sell, contract to sell, pledge, grant any option to purchase or otherwise dispose of our common
stock or any securities convertible into or exercisable or exchangeable for, or any rights to purchase or otherwise acquire, any shares
of our common stock, whether held on the date of this prospectus supplement or acquired after the date of this prospectus supplement;</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: 36pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">exercise or seek to exercise or effectuate in any manner any rights of any nature that they have or may
have after the date of this prospectus supplement to require the Company to register the securities subject to the lock-up agreement,
or to otherwise participate as a selling securityholder in any manner in any registration effected by the Company; 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: 36pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">engage in any hedging, collar (whether or not for any consideration) or other transaction that is designed
to or reasonably expected to lead or result in a disposition of securities subject to the lock-up agreement, even if such securities would
be disposed of by someone other than the holder.</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">These restrictions are expressly
agreed to in order to preclude us, certain of our executive officers and all of our directors, from engaging in any hedging or other transaction
or arrangement that is designed to, or which reasonably could be expected to, lead to or result in a sale, disposition or transfer, in
whole or in part, of any of the economic consequences of ownership of our common stock, whether such transaction would be settled by delivery
of our common stock or other securities, in cash or otherwise. These restrictions are subject to customary exceptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, 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">The underwriters may, in
their discretion and at any time and from time to time, without notice, release all or any portion of the shares of our common stock and
other securities that are restricted by these agreements from the restrictions listed 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>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,
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
our common stock in the open market for the purpose of pegging, fixing or maintaining the price of common stock. Syndicate covering transactions
involve purchases of common stock 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 our common stock 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 our common stock. 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 shares of common stock offered hereby. Any such short positions could adversely
affect future trading price of the common stock 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"></P>

<!-- Field: Page; Sequence: 17; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="b_012"></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 shares
of common stock 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"><B><A NAME="b_013"></A>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 <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> 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"></P>

<!-- Field: Page; Sequence: 18; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></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">&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>

<!-- 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: 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: 19 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</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">&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>

<!-- 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: 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>

<!-- Field: Page; Sequence: 20; Options: NewSection; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 21; Options: NewSection; Value: 2 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->ii<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 22; Options: NewSection; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 23; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></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">&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"><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>

<!-- Field: Page; Sequence: 24; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 25; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 26; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 27; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 28; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 29; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 30; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 31; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 32; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 33; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 34; Value: 1 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></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">&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>

<!-- Field: Page; Sequence: 35; Options: NewSection; Value: 14 -->
    <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 -->14<!-- 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>

<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>

<!-- Field: Page; Sequence: 36; Value: 14 -->
    <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 -->15<!-- 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>

<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>

<!-- Field: Page; Sequence: 37; Value: 14 -->
    <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 -->16<!-- 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>

<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>

<!-- Field: Page; Sequence: 38; Value: 14 -->
    <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 -->17<!-- 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">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>

<!-- Field: Page; Sequence: 39; Value: 14 -->
    <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>

<!-- Field: Page; Sequence: 40; Value: 14 -->
    <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 -->19<!-- 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>

<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>

<!-- Field: Page; Sequence: 41; Value: 14 -->
    <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 -->20<!-- 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>

<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>

<!-- Field: Page; Sequence: 42; Value: 14 -->
    <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 -->21<!-- 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>

<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>

<!-- Field: Page; Sequence: 43; Value: 14 -->
    <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 -->22<!-- 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>

<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>

<!-- Field: Page; Sequence: 44; Value: 14 -->
    <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 -->23<!-- 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>

<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>

<!-- Field: Page; Sequence: 45 -->
    <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 -->24<!-- Field: /Sequence --><FONT STYLE="color: Red"></FONT></FONT></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /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; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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="tm2428028d1_424b5img001.jpg" ALT="">&nbsp;</P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Raymond James</B></FONT></TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Keefe, Bruyette&nbsp;&amp; Woods</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 112.5pt"><I>A Stifel Company</I></P></TD></TR>
  </TABLE>
<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; text-indent: 348.75pt">, 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>

<!-- Field: Page; Sequence: 46; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></P></DIV>
    <!-- Field: /Page -->

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>tm2428028d1_424b5img001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2428028d1_424b5img001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" ") 9 # 2(  A$! Q$!_\0
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M444 %%<KXJ\>:7X1NH+>_BN7>="Z^2H(P#CG)%8'_"ZO#?\ S[:A_P!^U_\
MBJM4Y-72)<XK1L])HKS?_A=?AO\ Y]M0_P"_:_\ Q5)_PNKPW_S[:A_W[7_X
MJG[*?87/'N>DT5PME\7/"=VVU[N:V/\ TWA('YC(KK[#4K/4[<3V-S%<1'H\
M3AA^E2XRCNBE)/8MTR618D+L3M'7 S3^U<WXK\::;X02U;4(YW%R6">2H.-N
M,YR1ZU-F]$#=B6\\02)N6UL+B5AT9HV"_P"-<Y?7.L7YQ/%<;/[BQL!_*J__
M  NGPW_S[7__ '[7_P"*J:U^,/AZ[O(+:.WO@\TBQKF-<9)P/XJX,3EM>O\
M%)I>@E4CW*GV&[_Y]9_^_9_PH^PW?_/K/_W[;_"NE\5>.]+\(SVT-_%<.UPK
M,GE*#@ CKDCUK _X75X;_P"?:_\ ^_:__%5YZX>4E=28W.*W(?L-W_SZS_\
M?L_X4?8;O_GUG_[]G_"IO^%U>&_^?:__ ._:_P#Q5=5X7\6:=XML9;K3UE58
MI/+=90 P. <\$\<U,N'5%7<G]P*<7HCC_L-W_P ^L_\ W[/^%'V&[_Y]9_\
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M<MD%%%>K>$_A1I_B'PU9ZI-J5U%).I)1%4@88CO]*TJ5%!7D*,7)Z'E->X_
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MH\T>J\\]12LPN:5)D5E67B71=4N6M;'5+2XG7.8XY03^6:P[#5;V+Q9K(O\
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M<Z+X*T^W<$32)Y\H/4,W./P&!^%=2*1%"J !@>E.KF;N[FR5@HHHI#"BBB@
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M\=\ W%SI7BSQ-H U"5;*UBE:.28[O**N%W8Z=#D_2N<U5-+71+K4M/O->O\
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M8[^BD!XI:S- HHHH \O^*/@O6O%&J6$^EPQR1PPLCEY N"3GO7!?\*C\7?\
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MEBNF*Q>-1DF0YS@G' SS70_\+6M/^A?UK_P'_P#KT?\ "UK3_H7]:_\  ?\
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L@4M% "8'I1@>E+10 F!1M'I2T4 )@48%+10 F!1M'I2T4 (% [4M%% '_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>tm2417725d1_424b5img01.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2417725d1_424b5img01.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ !@$2  ,
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
M A$#$0 _ /W\HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M>Q])T445_;!B%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M3_Y)OX@_["8_]%)7[!X'_P#)31_PR_(F>Q])T445_;!B%%%% !1110 4444
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M89^:WBK0O'GC?4FO-8T_Q5J=RW_+2YM9Y"H]!D<#V'%9?_"KO$W_ $+NO?\
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MRU]*/^)><!_T%2_\!7^8>T/S!_X5=XF_Z%W7O_ "7_XFC_A5WB;_ *%W7O\
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M21_5'+*?=37?BOSI_P"#9_X^+\4/V"+KP?<3*U]\.=<GLTCW;F%I<G[5$Q]
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M1A_X<?0^9J?&PHHHK4S/ZEO^"5'_ "C=^"O_ &*%A_Z*%?S=_MP?\GJ?%_\
M[';6?_2^:OZ1/^"5'_*-WX*_]BA8?^BA7\W?[<'_ ">I\7_^QVUG_P!+YJ^#
MX6_WZO\ UU9]%FW^[T_ZZ'EM%%%?>'SH4444 ?I)_P &QOQ__P"%<_MO:YX'
MNKA8[/XBZ$ZPQG_EK>V9,\>/I ;NOWR(P*_DS_8Y^.LO[,O[5/P^\?1R21Q^
M%]=M;VZV#+26PD N$Q_MPF1>.?FK^L:VNH[^TCFAD62&90\;J<JZD9!!]"*_
M,^+\+[/%JLMIK\5I^5CZK)*W-1<.S_!DPXK^5W_@I?\ 'W_AIS]O+XH>,HYE
MN+'4-<EM=/D1MRO9VV+:W8?[T4*-QW)K^C;_ (*,?'__ (9>_8=^)WC:.X%K
M?:1H<\>G2?W;V<"WMO\ R/+'^%?RJUW<%X76>(?E%?F_T,,]K:1I+U_1!111
M7WQ\X%%%% 'W_P#\&U/_ "DPM_\ L6-1_P#:5=3_ ,'2G_*0+PC_ -D^LO\
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M'<RW4DB@^C&UC)_W!7[/:KI=OKFF7-E=QK-:WD3031L,JZ,"&!]B"17X@_\
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M8?\ AQ]#S*GQL****U(/ZEO^"5'_ "C=^"O_ &*%A_Z*%?S=_MP?\GJ?%_\
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M]+&DJ7+3C-];_A8****ZS$^__P#@VI_Y286__8L:C_[2KJ?^#I0_\; O"/\
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MOP.L/'G@:[FETVZD:WN;2Z"I>:9<)C?!.BLP5P"K<$AE96!(8&O6,@U^5O\
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MH?<,"/PJC7UY_P %T/@#_P ,_?\ !2WQ_#!;_9]-\72Q^*;+_IH+L;IV]O\
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M^:/1RK_>H_/\F?LF>@^E>*?\%)?^4?'QR_[$/6O_ $AFKVL]!]*\4_X*2_\
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M>QZV'Q"Y(*>DI+8^M_CC_P D5\8?]@6\_P#1#U^ O_!N%_RD]T7_ + 6I_\
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M;?\ "G_?_P#)A?[+_=_ /^')O[+7_1'M!_\  J[_ /CU'_#DW]EK_HCV@_\
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M_@5=_P#QZC_A]E^RU_T6'0?_  %N_P#XS1_P^R_9:_Z+#H/_ ("W?_QFMO\
MA3_O_P#DQ/\ LO\ =_ [3X!_\$VO@A^RW\0%\5> ?A]I7AGQ MO):B\MY[AW
M$3XWKAY&&#@=NU3?M%_\$\?@Q^UIXVMO$GQ%\!:9XHUNQLDTV"[N)IT:.W5Y
M)%C CD48#RR'IGYC[5PI_P""V/[+1_YK%H(_[=+O_P",T#_@MC^RT/\ FL6@
M_P#@)=__ !FLO8X_G]IRSYN]I7^\KVF&Y>6\;=M _P"')O[+7_1'M!_\"KO_
M ./4?\.3?V6O^B/:#_X%7?\ \>H_X?9?LM?]%AT'_P !;O\ ^,T?\/LOV6O^
MBPZ#_P" MW_\9K7_ (4_[_\ Y,3_ ++_ '?P#_AR;^RU_P!$>T'_ ,"KO_X]
M1_PY-_9:_P"B/:#_ .!5W_\ 'J/^'V7[+7_18=!_\!;O_P",T?\ #[+]EK_H
ML.@_^ MW_P#&:/\ A3_O_P#DP?[+_=_ /^')O[+7_1'M!_\  J[_ /CU'_#D
MW]EK_HCV@_\ @5=__'J/^'V7[+7_ $6'0?\ P%N__C-'_#[+]EK_ *+#H/\
MX"W?_P 9H_X4O[__ ),'^R_W?P$_X<G?LM'I\'M!_P# J[_^/5Z?^S7^Q%\*
M_P!CV769/AKX/T_PFWB 0KJ!MI9I/M0A\SR\^8[8V^;)TQ]XUYC_ ,/L?V6L
M?\EBT'_P$N__ (U2#_@MA^RV?^:Q:#_X"7?_ ,9K.I3S&<>6:FUV?,PC+"Q=
MXN*?R/J?=[U3UK1[/Q+I-UI^H6MK?6%]$T%Q;7$2RPW$;##(Z,"&4@D$$8(-
M?,O_  ^Q_99_Z+%H'_@+=_\ QFC_ (?8_LL_]%AT#_P%N_\ XS6']GXK_GW+
M_P !?^1M]9I?S+[T>Q#]D/X3_P#1,/AY_P"$Y9__ !NMKP=\#?!/P]N?.\/^
M#O"^AS9SOT_2H+5L\=T0'L/RKP/_ (?8_LM?]%BT#_P%N_\ XS1_P^Q_99_Z
M+%H'_@+=_P#QFF\+C'HX2^YD^VH+[2^]'U-N KB?BU^S?\/?CT;?_A-O O@_
MQC]C_P!1_;>C6]^8.OW#*C;>IZ>I]:\/'_!;']EG'_)8M!_\!+O_ .,T'_@M
MC^RU_P!%AT'_ ,!;O_XS1'!8N+O&G)/T82Q%!JSDOO1[Q=_ 7P+?^#++PW/X
M+\*3>'=-D\ZTTN32+=K*U?##='"4V*V&;D 'YCZFK6E_"#PCH?@VZ\.V/A?P
M[9^'[TL;C2X--ACLYRV-V^$*$;.!G(YP*^??^'V/[+/_ $6+0?\ P$N__C-'
M_#[']EG_ *+%H/\ X"7?_P 9H^IXO^27W,/;T/YE]Z/H#P'\&_"'PKN+F7PS
MX5\-^')+P*L[Z7ID-FTX7) 8QJ-P&3C/3)IOCKX,>#_BC=6\WB;PGX;\136J
ME()-4TR&\:%2<D*9%)4$]A7@/_#[#]EG_HL6@_\ @)=__&:/^'V'[+./^2Q:
M!_X"7?\ \9H^IXN]_9ROZ,/K%"UN9?>CZ9T'0+'PKHUMINEV5IIFGV<8BM[6
MUA6&&!!T5$4!5 ] ,5QGQ8_9<^&?QWO8;OQK\/?!/BZZMP%BGUG0[:^EC&0<
M*\B,P' X!P>E>,C_ (+8?LM?]%BT'_P$N_\ XS1_P^Q_99_Z+%H'_@+=_P#Q
MFB.$Q<7S*$D_1@ZU%JSDOO1]%?#_ .&WASX3^'(=&\+:!HOAO2+?_56.E6,5
MG;1?[L<:JH_ 5I:KIEKKFFS6=Y;P7EK<(8Y8)HQ)'*IX*LIX(/H:^8_^'V/[
M+7_18M!_\!;O_P",T?\ #[#]EG_HL6@_^ MW_P#&:GZEBF[\DON?^0_K%%:*
M2^]'I6C_ +!GP/T#Q$-6L?@[\+K/5%;>MU#X6L8Y4;D[@PBR&.3DCD]Z]<1!
M&@5 %51@ =J^61_P6P_99'_-8= _\!;O_P",T?\ #[#]EK_HL6@?^ MW_P#&
M:J>%QDOBA)^J8HUJ"VDOO1[IX7_9[\ ^!_$,>KZ)X'\(:/JT.[R[VQT:WM[A
M-P*MB1$##()!P>036OXU^'V@?$O1UT_Q)H>C^(+&.43K;:E91W<*R $!PD@(
MW ,1G&<$^M?.G_#[']EK_HL6@?\ @)=__&:#_P %L?V6O^BQ:#_X"W?_ ,9H
M^IXMN[A*_HP^L4-N9?>CZ+\%?#SP_P##32&T_P -Z'H_A^QDE,[6VFV4=I"T
MA !8I& -Q"@9QG 'I7,?$']DSX6_%KQ3'KGBGX;^ ?$FM0L&2_U3P_:7ERI
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MVMQ">!\CI&&7.!]TC)YZUZDXRO3([BOED?\ !;#]EG_HL.@?^ MW_P#&:/\
MA]C^RU_T6+0/_ 6[_P#C-$\)BY.\H2?R81K4(Z*2^]'OWP]^"W@WX2S:E)X4
M\)^&?#$FLS?:=0;2=,ALVOI?^>DIC5?,;D_,V3S17B/A7_@K]^S=XWU![72?
MBMH=Y<1QF9D6UN@0@(!/,0[L/SHJ983%7UA+[F/VU'HU^!_+_1117[<?!!11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
L444 %%%% !1110 4444 >O?L6?\ )4M0_P"P5)_Z.AHHHKS<1\9V4OA1_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
