<SEC-DOCUMENT>0000930413-14-003149.txt : 20140703
<SEC-HEADER>0000930413-14-003149.hdr.sgml : 20140703
<ACCEPTANCE-DATETIME>20140703134856
ACCESSION NUMBER:		0000930413-14-003149
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		11
FILED AS OF DATE:		20140703
DATE AS OF CHANGE:		20140703
EFFECTIVENESS DATE:		20140703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ConnectOne Bancorp, Inc.
		CENTRAL INDEX KEY:			0000712771
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				521273725
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-197239
		FILM NUMBER:		14960006

	BUSINESS ADDRESS:	
		STREET 1:		301 SYLVAN AVENUE
		CITY:			ENGLEWOOD CLIFFS
		STATE:			NJ
		ZIP:			07632
		BUSINESS PHONE:		2018168900

	MAIL ADDRESS:	
		STREET 1:		301 SYLVAN AVENUE
		CITY:			ENGLEWOOD CLIFFS
		STATE:			NJ
		ZIP:			07632

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CENTER BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
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<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">As filed with the Securities and Exchange Commission
on <BR>
July 2, 2014</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">Registration No. 333-_____</P>

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

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B> <BR>
<B>WASHINGTON, DC 20549</B></P>

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



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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>FORM S-8 <BR>
REGISTRATION STATEMENT UNDER<BR>
 THE SECURITIES ACT OF 1933</B></P>

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

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

<P STYLE="font: 10pt Times New Roman Bold,serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="x1_c77966a001.jpg" ALT="">&nbsp;</P>



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

<P STYLE="font: 10pt Times New Roman Bold,serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>ConnectOne
Bancorp, Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in its charter)</P>

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

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(State or other jurisdiction of incorporation or
organization)</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>52-1273725</B></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(I.R.S. Employer Identification No.)</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>301 Sylvan Avenue</B></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>Englewood Cliffs, NJ 07632</B></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(Address of principal executive offices)</P>

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

<P STYLE="font: 10pt Times New Roman Bold,serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>North
Jersey Community Bank 2005 STOCK OPTION PLAN - A<BR>
North Jersey Community Bank 2005 STOCK OPTION PLAN &ndash; B<BR>
<FONT STYLE="color: black">NORTH JERSEY COMMUNITY BANK 2006 EQUITY COMPENSATION PLAN</FONT><BR>
NORTH JERSEY COMMUNITY BANK 2008 EQUITY COMPENSATION PLAN<br>
NORTH JERSEY COMMUNITY BANCORP, INC. 2009 EQUITY COMPENSATION PLAN <BR>
2012
Equity CompenSation Plan</B></FONT></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(Full title of the plans)</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>Frank Sorrentino III <BR>
ConnectOne Bancorp, Inc. <BR>
301 Sylvan Avenue <BR>
Englewood Cliffs, NJ 07632</B></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(Name and address of agent for service)</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>(201) 816-8900</B></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">(Telephone number, including area code of agent
for service)</P>

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<P STYLE="font: bold 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">CALCULATION OF REGISTRATION FEE</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; border: Black 2px solid">
<tr style="vertical-align: top">
    <TD STYLE="width: 20%; padding-top: 2pt; padding-bottom: 3.65pt; font: 10pt Courier New; border-bottom: Black 1px solid; padding-left: 3pt; text-align: left; vertical-align: bottom"><font style="font-family: Times New Roman,serif">Title of Securities<BR>
 to be Registered</font></td>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid; padding-top: 2pt; text-align: left; vertical-align: bottom; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 18%; padding-top: 2pt; padding-bottom: 3.65pt; font: 10pt Courier New; border-bottom: Black 1px solid; border-left: Black 1px solid; text-align: left; vertical-align: bottom; padding-left: 3pt"><font style="font-family: Times New Roman,serif">Amount to be<BR>
 Registered </font></td>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid; padding-top: 2pt; text-align: left; vertical-align: bottom; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 18%; padding-top: 2pt; padding-bottom: 3.65pt; font: 10pt Courier New; border-bottom: Black 1px solid; border-left: Black 1px solid; text-align: left; vertical-align: bottom; padding-left: 3pt"><font style="font-family: Times New Roman,serif">Proposed<BR>
 Maximum <BR>
Offering Price<BR>
 Per Share (2)</font></td>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid; padding-top: 2pt; text-align: left; vertical-align: bottom; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 18%; padding-top: 2pt; padding-bottom: 3.65pt; font: 10pt Courier New; border-bottom: Black 1px solid; border-left: Black 1px solid; text-align: left; vertical-align: bottom; padding-left: 3pt"><font style="font-family: Times New Roman,serif">Proposed Maximum<BR>
 Aggregate Offering <BR>
Price </font></td>
    <TD STYLE="width: 2%; border-bottom: Black 1px solid; padding-top: 2pt; text-align: left; vertical-align: bottom; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 18%; padding-right: 3.1pt; padding-left: 3pt; border-bottom: Black 1px solid; border-left: Black 1px solid; padding-top: 2pt; text-align: left; vertical-align: bottom">
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">Amount of <BR>
Registration Fee</P>
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">&nbsp;</P></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="font: 10pt Courier New; padding-top: 1.35pt; padding-bottom: 3.65pt; padding-left: 2pt"><font style="font-family: Times New Roman,serif">Common
    Stock, no par value per share and interests of participation in the Plan</font></td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 3.1pt; padding-left: 3.1pt; text-align: center; vertical-align: middle; border-left: Black 1px solid">
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">1,480,783 (1)</P>
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">&nbsp;</P></td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 3.1pt; padding-left: 3.1pt; text-align: center; vertical-align: middle; border-left: Black 1px solid">
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">$19.06</P>
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">&nbsp;</P></td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 3.1pt; padding-left: 3.1pt; text-align: center; vertical-align: middle; border-left: Black 1px solid">
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">$28,216,324</P>
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">&nbsp;</P></td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 3.1pt; padding-left: 3.1pt; text-align: center; vertical-align: middle; border-left: Black 1px solid">
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">$3,634.26</P>
        <P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">&nbsp;</P></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">(1) Maximum number of shares authorized for issuance
pursuant to the Registrant&rsquo;s 2005 Stock Option Plan &ndash; A, 2005 Stock Option Plan &ndash; B, 2006 Equity Compensation
Plan, 2008 Equity Compensation Plan, 2009 Equity Compensation Plan and 2012 Equity Compensation Plan (collectively, the &ldquo;Plan&rdquo;). This Registration
Statement also relates to such indeterminate number of additional shares of common stock of the Registrant as may be issuable as
a result of stock splits, stock dividends or similar transactions, as described in the Plan.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">(2) Estimated solely for the purpose of calculating
the registration fee and based upon the average of the high and low prices reported for the Registrant&rsquo;s stock as of June
26, 2014 in accordance with Rule 457(h)(1).</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">In addition, pursuant to Rule 416(c) under the Securities
Act of 1933, this Registration Statement also covers an indeterminate amount of interests to be offered or sold to prevent dilution
resulting from certain capital changes affecting the Registrant.</P>

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

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B><U>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</U></B></P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0"><B>Item 3. Incorporation of Documents by Reference.</B></P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">The Company is subject to the informational requirements
of the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;) and, accordingly, files periodic reports and
other information with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;). Reports, proxy statements and other information
concerning the Company filed with the SEC may be inspected and copies may be obtained (at prescribed rates) at the SEC&rsquo;s
Public Reference Section 100 F Street, N.E., Room 1580 Washington, DC 20549. The Commission also maintains a Website that contains
copies of such material. The address of the Commission&rsquo;s Website is http://www.sec.gov.</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">The following documents filed with the SEC are hereby
incorporated by reference into this Registration Statement:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<tr>
    <TD STYLE="width: 36pt; font: 10pt Courier New;">&nbsp;</td>
    <TD STYLE="vertical-align: top; width: 20pt; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">(a)</font></td>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">the Registrant&rsquo;s annual report on Form 10-K for the year ended December 31, 2013 filed under the Securities Exchange Act of 1934 on March 5, 2014, as amended on Form 10-K/A on April 14, 2014 and April 29, 2014,&nbsp;&nbsp;which contains audited financial statements for the Registrant&rsquo;s latest fiscal year for which such statements have been filed; </font></td></tr>
<TR>
    <TD STYLE="font: 10pt Courier New;">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;">&nbsp;</TD></TR>
</table>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<tr>
    <TD STYLE="width: 36pt; font: 10pt Courier New;">&nbsp;</td>
    <TD STYLE="vertical-align: top; width: 20pt; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">(b)</font></td>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">the Registrant&rsquo;s quarterly report for the period ended March 31, 2014 on Form 10-Q filed with the SEC on May 12, 2014; and</font></td></tr>
<TR>
    <TD STYLE="font: 10pt Courier New;">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;">&nbsp;</TD></TR>
</table>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<tr>
    <TD STYLE="width: 36pt; font: 10pt Courier New;">&nbsp;</td>
    <TD STYLE="vertical-align: top; width: 20pt; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">(c)</font></td>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">the Registrant&rsquo;s current reports on Form 8-K filed with the SEC filed on January 21, 2014, on February 24, 2014, April 25, 2014, April 30, 2014, May 1, 2014, May 27, 2014, May 29, 2014 June 2, 2014, June 20, 2014,
    June 24, 2014, July 1, 2014 and July 2, 2014; and</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<tr>
    <TD STYLE="width: 36pt; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">&nbsp;</font></td>
    <TD STYLE="vertical-align: top; width: 20pt; font: 10pt Courier New;"><font style="font-family: Times New Roman,serif">(e)</font></td>
    <TD STYLE="vertical-align: top; font: 10pt Courier New;"><FONT STYLE="font-family: Times New Roman,serif">the description
    of the Registrant&rsquo;s common stock contained in the Registrant&rsquo;s Registration Statement on Form 8-A (File No. <U>000-11486</U>)
    filed with the Commission on June 5, 1996 under Section 12(g) of the Exchange Act, including any amendments or reports filed
    for the purpose of updating such description. </FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">All filings incorporated by reference above
prior to the completion of the merger referenced in the Company&rsquo;s Current Report on Form 8-K filed with the SEC on July
1, 2014 were made pursuant to the Company&rsquo;s former name, &ldquo;Center Bancorp, Inc.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">In addition, all documents subsequently filed by
the Company with the SEC pursuant to Sections 12, 13(a), 14 and 15(d) of the Exchange Act after the effective date of this Registration
Statement, but prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold
or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this Registration
Statement and to be part hereof from the respective date of filing of such documents.</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 0.5in">Any statement contained in a document incorporated
or deemed to be incorporated by reference shall be deemed to be modified or superseded for purposes of this Registration Statement
to the extent that a statement contained herein or in any other subsequently filed document which also is incorporated or is deemed
to be incorporated by reference herein modified or superseded such statement. Any such statement so modified or superseded shall
not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.</P>

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<tr style="vertical-align: top">
    <TD STYLE="width: 36pt"><font style="font-family: Times New Roman,serif"><b>Item 4.</b></font></td>
    <TD><font style="font-family: Times New Roman,serif"><b>Description of Securities.</b></font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">Not applicable.</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif"><b>Item 5.</b></font></td>
    <TD><font style="font-family: Times New Roman,serif"><b>Interests of Named Experts and Counsel.</b></font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">Not applicable.</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif"><b>Item 6.</b></font></td>
    <TD><font style="font-family: Times New Roman,serif"><b>Indemnification of Directors and Officers.</b></font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">Subsection (2) of Section 3-5, Title
14A of the New Jersey Business Corporation Act empowers a corporation to indemnify any person who was or is a party or is threatened
to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative,
arbitrative or investigative (other than an action by or in the right of the corporation), by reason of the fact that he is or
was a corporate agent (i.e., a director, officer, employee or agent of the corporation or a person serving at the request of the
corporation as a director, officer, trustee, employee or agent of another corporation or enterprise), against reasonable costs
(including attorneys&rsquo; fees), judgments, fines, penalties and amounts paid in settlement incurred by him in connection with
such action, suit or proceeding if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the
best interests of the corporation, and, with respect to any criminal proceeding, had no reasonable cause to believe his conduct
was unlawful.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">Subsection (3) of Section 3-5 empowers
a corporation to indemnify a corporate agent against reasonable costs (including attorneys&rsquo; fees) incurred by him in connection
with any proceeding by or in the right of the corporation to procure a judgment in its favor which involves such corporate agent
by reason of the fact that he is or was a corporate agent if he acted in good faith and in a manner reasonably believed to be in
or not opposed to the best interests of the corporation, except that no indemnification may be made in respect of any claim, issue
or matter as to which such person shall have been adjudged to be liable to the corporation unless and only to the extent that the
Superior Court of New Jersey or the court in which such action or suit was brought shall determine that despite the adjudication
of liability, such person is fairly and reasonably entitled to indemnity for such expenses which the court shall deem proper.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">Subsection (4) of Section 3-5 provides
that to the extent that a corporate agent has been successful in the defense of any action, suit or proceeding referred to in subsections
(2) and (3) or in the defense of any claim, issue or matter therein, he shall be indemnified against expenses (including attorneys&rsquo;
fees) incurred by him in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">Subsection (5) of Section 3-5 provides
that a corporation may indemnify a corporate agent in a specific case if it is determined that indemnification is proper because
the corporate agent met the applicable standard of conduct, and such determination is made by any of the following: (a) the board
of directors or a committee thereof, acting by a majority vote of a quorum consisting of disinterested directors; (b) independent
legal counsel, if there is no quorum of disinterested directors or if the disinterested directors empowers counsel to make the
determination; or (c) the shareholders.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">Subsection (8) of Section 3-5 provides
that the indemnification provisions in the law shall not exclude any other rights to indemnification that a director or officer
may be entitled to under a provision of the certificate of incorporation, a by-law, an agreement, a vote of shareholders, or otherwise.
That subsection explicitly permits indemnification for liabilities and expenses incurred in proceedings brought by or in the right
of the corporation (derivative proceedings). The only limit on indemnification of directors and officers imposed by that subsection
is that a corporation may not indemnify a director or officer if a judgment has established that the director&rsquo;s or officer&rsquo;s
acts or omissions were a breach of his or her duty of loyalty, not in good faith, involved a knowing violation of the law, or resulted
in receipt of an improper personal benefit.</P>

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<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">Subsection (9) of Section 3-5 provides
that a corporation is empowered to purchase and maintain insurance on behalf of a director or officer against any expenses or liabilities
incurred in any proceeding by reason of that person being or having been a director or officer, whether or not the corporation
would have the power to indemnify that person against expenses and liabilities under other provisions of the law.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">The Registrant&rsquo;s Restated Certificate
of Incorporation contains the following provision regarding indemnification:</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&ldquo;Every person who is or was
a director, officer, employee or agent of the corporation, or of any corporation which he served as such at the request of the
corporation, shall be indemnified by the corporation to the fullest extent permitted by law against all expenses and liabilities
reasonably incurred by or imposed upon him, in connection with any proceeding to which he may be made, or threatened to be made,
a party, or in which he may become involved by reason of his being or having been a director, officer, employee or agent of the
corporation, or of such other corporation, whether or not he is a director, officer, employee or agent of the corporation or such
other corporation at the time that the expenses or liabilities are incurred.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<tr style="vertical-align: top">
    <TD STYLE="width: 36pt;"><font style="font-family: Times New Roman,serif"><b>Item 7.</b></font></td>
    <TD><font style="font-family: Times New Roman,serif"><b>Exemption From Registration Claimed.</b></font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">Not applicable.</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif"><b>Item 8.</b></font></td>
    <TD><font style="font-family: Times New Roman,serif"><b>Exhibits.</b></font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">The following exhibits are filed with this Registration Statement.</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<tr style="vertical-align: top">
    <TD STYLE="width: 72pt">&nbsp;</td>
    <TD STYLE="width: 56pt"><font style="font-family: Times New Roman,serif">Exhibit</font></td>
    <TD STYLE="layout-grid-mode: line; text-align: left; vertical-align: bottom"></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="layout-grid-mode: line; padding-bottom: 1px">&nbsp;</td>
    <TD STYLE="layout-grid-mode: line; padding-bottom: 1px"><font style="border-bottom: Black 1px solid">Number</font></td>
    <TD STYLE="layout-grid-mode: line; padding-bottom: 1px"><font style="border-bottom: Black 1px solid">Description of Exhibit</font></td></tr>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">4.1</font></td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2005 Stock Option Plan &ndash; A</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">4.2</font></td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2005 Stock Option Plan &ndash; B</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">4.3</font></td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2006 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">4.4</font></td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2008 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">4.5</font></td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bancorp, Inc. 2009 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">4.6</font></td>
    <TD><font style="font-family: Times New Roman,serif">2012 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">5</font></td>
    <TD><font style="font-family: Times New Roman,serif">Opinion of Windels Marx Lane &amp; Mittendorf, LLP</font></td></tr>

<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">23(a)</font></td>
    <TD><font style="font-family: Times New Roman,serif">Consent of BDO USA, LLP, independent registered accounting firm for the
    Registrant (formerly known as Center Bancorp, Inc.) for all periods incorporated by reference herein after July 8, 2013</font></td></tr>
<tr style="vertical-align: top">
  <TD>&nbsp;</td>
  <TD><font style="font-family: Times New Roman,serif">23(b)</font></td>
  <TD><font style="font-family: Times New Roman,serif">Consent of Parente Beard LLP, independent registered accounting firm for the
    Registrant (formerly known as Center Bancorp, Inc.) for all periods incorporated by reference herein prior to July 8, 2013</font></td>
</tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">23(c)</font></td>
    <TD><font style="font-family: Times New Roman,serif">Consent of Windels Marx Lane &amp; Mittendorf, LLP (included in the Opinion filed as Exhibit 5 hereto)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman,serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 36pt; text-align: left"><B>Item 9.</B></TD><TD STYLE="text-align: justify"><B> Undertakings.</B></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">The registrant hereby undertakes:</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">(a)(1) &#9;To file, during any period in which offers or sales are being
made, a post-effective amendment to this Registration Statement to:</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 72pt">(i) Include any prospectus required by Section
10(a)(3) of the Securities Act;</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 72pt">(ii) Reflect in the prospectus any facts or
events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof)
which, individually or in the aggregate, represent a fundamental change in the information in the Registration Statement.
Notwithstanding the</P>

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<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">foregoing, any increase or decrease in volume of securities offered
(if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or
high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant
to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate
offering price set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in the effective registration statement.</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 72pt">(iii) Include any material information with
respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such
information in the Registration Statement;</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply
because this Registration Statement is on Form S-8 and the information required to be included in a post-effective amendment by
those paragraphs is contained in periodic reports filed with or furnished to the Commission by the registrant pursuant to Section
13 or 15(d) of the Exchange Act that are incorporated by reference to the Registration Statement.</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">(2) That, for the purpose of determining any liability
under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering
thereof.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">(3) To remove from registration by means of a post-effective
amendment any of the securities being registered which remain unsold at the termination of the offering.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">(b) &#9;The undersigned registrant hereby undertakes that, for purposes
of determining any liability under the Securities Act, each filing of the registrant&rsquo;s annual report pursuant to Section
13(a) or 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new
registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed
to be the initial bona fide offering thereof.</P>

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0">(c) &#9;Insofar as indemnification for liabilities arising under the
Securities Act may be permitted to the directors, officers and controlling persons of the registrant pursuant to the foregoing
provision, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against
public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling
person of the registrant in the successful defense of any action, suit, or proceeding) is asserted by such director, officer or
controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel
the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification
by it is against public policy as expressed in the Securities Act and will be governed by final adjudication of such issue.</P>

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

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

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">Pursuant to the requirements of the Securities Act
of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on
Form S-8 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized,
in the Borough of Englewood Cliffs, State of New Jersey, on the 2nd day of July, 2014. Pursuant to the requirements of the Securities
Act of 1933, this registration statement has been signed by the following persons in the capacities and on the date indicated.</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0"><FONT STYLE="font-variant: small-caps"><B>ConnectOne Bancorp, Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0"><FONT STYLE="font-variant: small-caps"><B></B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 77%; text-align: center"><FONT STYLE="font-family: Times New Roman,serif"><B>Signature &amp; Title</B></FONT></TD>
    <TD STYLE="width: 3%;">&nbsp;</TD>
    <TD STYLE="width: 20%; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif"><B>Date</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif"><I>/s/ Frank Sorrentino III</I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Frank Sorrentino III</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Chairman &amp; Chief Executive Officer</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">(Principal Executive Officer)</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/ <I>William S. Burns</I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">William S. Burns</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Executive Vice President &amp; Chief Financial Officer</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">(Principal Financial and Accounting Officer)</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif"><I>/s/&nbsp;&nbsp;Frank Baier</I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Frank Baier</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif"><I>/s/ Stephen Boswell</I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Stephen Boswell</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif"><I>/s/ Frederick Fish </I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Frederick Fish</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif"><I>/s/ Frank Huttle III</I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Frank Huttle III</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/ Michael Kempner </FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Michael Kempner</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif"><I>/s/ Howard Kent</I></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Howard Kent</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/ <FONT STYLE="color: black">Nicholas Minoia</FONT></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif; color: black">Nicholas Minoia</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif; color: black">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR>
    <TD STYLE="vertical-align: top; width: 77%; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/ Joseph Parisi Jr.</FONT></TD>
    <TD STYLE="vertical-align: top; width: 3%;">&nbsp;</TD>
    <TD STYLE="width: 20%; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Joseph Parisi Jr.</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/ <FONT STYLE="color: black">Harold Schechter</FONT></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">Harold Schecter</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/<FONT STYLE="color: black"> William Thompson</FONT></FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif; color: black">William Thompson</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif; color: black">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: black 1px solid;"><FONT STYLE="font-family: Times New Roman,serif">/s/ Raymond Vanaria</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top;"><FONT STYLE="font-family: Times New Roman,serif">/s/ Raymond Vanaria</FONT><BR>
<FONT STYLE="font-family: Times New Roman,serif">Director</FONT></TD>
    <TD STYLE="vertical-align: top;">&nbsp;</TD>
    <TD STYLE="layout-grid-mode: line; text-align: center; vertical-align: top"><FONT STYLE="font-family: Times New Roman,serif">July 2, 2014</FONT></TD></TR>
</TABLE>


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

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<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B>EXHIBIT INDEX TO REGISTRATION</B></P>

<P STYLE="font: bold 10pt Times New Roman,serif; margin: 0pt 0; text-align: center">STATEMENT ON FORM S-8</P>

<P STYLE="font: 10pt Times New Roman,serif; margin: 0pt 0; text-align: center"><B><U>OF CONNECTONE BANCORP. INC.</U></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<tr style="vertical-align: top">
    <TD STYLE="width: 36pt; padding-bottom: 1px"><font style="font-family: Times New Roman,serif">Exhibit</font><br>
<font style="border-bottom: Black 1px solid">Number</font></td>
    <TD STYLE="width: 20pt; padding-bottom: 1px"><font style="font-family: Times New Roman,serif">&nbsp;</font></td>
    <TD STYLE="text-align: left; vertical-align: bottom; padding-bottom: 1px"><font style="border-bottom: Black 1px solid">Description of Exhibit</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">4.1</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2005 Stock Option Plan &ndash; A</font></td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">4.2</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2005 Stock Option Plan &ndash; B</font></td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">4.3</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2006 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">4.4</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bank 2008 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">4.5</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">North Jersey Community Bancorp, Inc. 2009 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">4.6</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">2012 Equity Compensation Plan</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">5</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">Opinion of Windels Marx Lane &amp; Mittendorf, LLP</font></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>

<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">23(a)</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">Consent of BDO USA, LLP, independent registered accounting firm for the
    Registrant (formerly known as Center Bancorp, Inc.) for all periods incorporated by reference herein after July 8, 2013</font></td></tr>
<tr style="vertical-align: top">
  <TD><font style="font-family: Times New Roman,serif">23(b)</font></td>
  <TD>&nbsp;</td>
  <TD><font style="font-family: Times New Roman,serif">Consent of Parente Beard LLP, independent registered accounting firm for the
    Registrant (formerly known as Center Bancorp, Inc.) for all periods incorporated by reference herein prior to July 8, 2013</font></td>
</tr>
<tr style="vertical-align: top">
    <TD><font style="font-family: Times New Roman,serif">23(c)</font></td>
    <TD>&nbsp;</td>
    <TD><font style="font-family: Times New Roman,serif">Consent of Windels Marx Lane &amp; Mittendorf, LLP (included in the Opinion filed as Exhibit 5 hereto)</font></td></tr>
</table>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.1</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2005 STOCK OPTION PLAN - A</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. Purpose</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: 1in">The North Jersey Community Bank 2005 Stock
Option Plan &ndash; A (the &ldquo;Plan&rdquo;) is hereby established to foster and promote the long-term success of North Jersey
Community Bank (the &ldquo;Bank&rdquo;) and its shareholders by providing members of management, including employees and management
officials, with an equity interest in the Bank. The Plan will assist the Bank in attracting and retaining the highest quality of
experienced persons to serve as Directors and in aligning the interests of such persons more closely with the interests of the
Bank&rsquo;s shareholders by encouraging such parties to maintain an equity interest in the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. Definitions</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: 1in">Capitalized terms not specifically defined
elsewhere herein shall have the following meaning:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Act&rdquo; means the Securities Exchange
Act of 1934, as amended from time to time, and any rules and regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Bank&rdquo; means North Jersey Community
Bank and any present or future subsidiary or parent corporations of North Jersey Community Bank (as defined in Section 424 of the
Code) or any successor to such corporations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Board&rdquo; means the Board of Directors
of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Code&rdquo; means the Internal Revenue
Code of 1986, as amended from time to time, and the regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Common Stock&rdquo; or &ldquo;Stock&rdquo;
means the common stock, $5.00 per share par value, of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Disability&rdquo; shall mean, with respect
to a Management Official who is an employee, a permanent disability which qualifies as total disability under the terms of the
Bank&rsquo;s Long-Term Disability Plans and, with respect to a Management Official who is a non-employee member of the Board, permanent
and total disability which if the Management Official were an employee of the Bank would be treated as a total disability under
the term of the Bank&rsquo;s long-term disability plan for employees as in effect from time to time; provided, however, with respect
to a Participant who has been granted an Incentive Stock Option such term shall have the meaning set forth in Section 422(c)(6)
of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Fair Market Value&rdquo; means, with
respect to shares of Common Stock, the fair market value as determined by the Board in good faith and in a manner established by
the Board from time to time, taking into account such factors as the Board shall deem relevant, including the book value of the
Common Stock and, to the extent there is an established trading market for the Common Stock, the market value of the Common Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Incentive Stock Option&rdquo; means an
option to purchase shares of Common Stock granted</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">to a Participant under the Plan which is intended
to meet the requirements of Section 422 of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Management Official&rdquo; means an employee
of the Bank, a non-employee member of the Board, a member of any advisory Board or any other service provider to the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Non-Qualified Stock Option&rdquo; means
an option to purchase shares of Common Stock granted to a Participant under the Plan which is not intended to be an Incentive Stock
Option.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Option&rdquo; means an Incentive Stock
Option or a Non-Qualified Stock Option granted hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Participant&rdquo; means a Management
Official selected by the Board to receive an Option under the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Plan&rdquo; means the North Jersey Community
Bank 2005 Stock Option Plan - A.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&ldquo;Termination for Cause&rdquo; means termination
because of Participant&rsquo;s intentional failure to perform stated duties, personal dishonesty, willful violation of any law, rule
regulation (other than traffic violations or similar offenses) or final cease and desist order issued by any regulatory agency
having jurisdiction over the Participant or the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. Administration</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: 1in"> (a)  The Plan shall be administered by the Board. Among
other things, the Board shall have authority, subject to the terms of the Plan, to grant Options, to determine the individuals
to whom and the time or times at which Options may be granted, to determine whether such Options are to be Incentive Options or
Non-Qualified Stock Options (subject to the requirements of the Code, which provide that only employees may receive Incentive Options
and subject to the limitation contained in Section 5 regarding the number of Non-Qualified Stock Options which may be granted),
to determine the terms and conditions of any Option granted hereunder, including whether to impose any vesting period, and the
exercise price thereof, subject to the requirements of this Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (b) Subject to the other provisions of the Plan, the
Board shall have authority to adopt, amend, alter and repeal such administrative rules, guidelines and practices governing the
operation of the Plan as it shall from time to time consider advisable, to interpret the provisions of the Plan and any Option
and to decide all disputes arising in connection with the Plan. The Board may correct any defect or supply any omission or reconcile
any inconsistency in the Plan or in any option agreement in the manner and to the extent it shall deem appropriate to carry the
Plan into effect, in its sole and absolute discretion. The Board&rsquo;s decision and interpretations shall be final and binding. Any
action of the Board with respect to the administration of the Plan shall be taken pursuant to a majority vote or by the unanimous
written consent of its members.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (c) The Board may employ such legal counsel, consultants
and agents as it may deem desirable for the administration of the Plan and may rely upon any opinion received from any such counsel
or consultant and any computation received from any such consultant or agent.</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. Eligibility and Participation</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: 1in">Management Officials of the Bank shall be
eligible to participate in the Plan. The Participants under the Plan shall be selected from time to time by the Board, in its sole
discretion, from among those eligible, and the Board shall determine in its sole discretion the numbers of shares to be covered
by the Option or Options granted to each Participant. Options intended to qualify as Incentive Stock Options shall be granted only
to persons who are eligible to receive such options under Section 422 of the Code; i.e., employees of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. Shares of Stock Available for Options</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: 1in"> (a) The maximum number of shares of Common Stock which
may be issued and purchased pursuant to Options granted under the Plan is 120,000, subject to the adjustments as provided in Section
5 and Section 9, to the extent applicable. Of this amount, the maximum number of shares which may be purchased pursuant to Non-Qualified
Options shall be 60,000, subject to the adjustments provided for in this Section 5 and Section 9. If an Option granted under this
Plan expires or terminates before exercise or is forfeited for any reason, without a payment in the form of Common Stock being
granted to the Participant, the shares of Common Stock subject to such Option, to the extent of such expiration, termination or
forfeiture, shall again be available for subsequent Option grant under Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (b) In the event that any stock dividend, stock split,
reverse stock split or combination, extraordinary cash dividend, creation of a class of equity securities, recapitalization, reclassification,
reorganization, merger, consolidation, split-up, spin-off, combination, exchange of shares, warrants or rights offering to purchase
Common Stock at a price substantially below Fair Market Value, or other similar transaction affects the Common Stock such that
an adjustment is required in order to preserve the benefits or potential benefits intended to be granted or made available under
the Plan to Participants, the Board shall proportionately and appropriately adjust equitably any or all of (i) the maximum number
and kind of shares of Common Stock in respect of which Options may be granted under the Plan to Participants, (ii) the number and
kind of shares of Common Stock subject to outstanding Options held by Participants, and (iii) the exercise price with respect to
any Options held by Participants, without changing the aggregate purchase price as to which such Options remain exercisable, and
if considered appropriate, the Board may make provision for a cash payment with respect to any outstanding Options held by a Participant,
provided that no adjustment shall be made pursuant to this Section if such adjustment would cause the Plan to fail to comply with
Section 422 of the Code with regard to any Incentive Stock Options granted hereunder or fail to comply with the requirements of
Rule 16b-3 under the Act or any successor or replacement regulation. No fractional Shares shall be issued on account of any such
adjustment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (c) Any adjustments under this Section will be made by
the Board, whose determination as to what adjustments, will be made and the extent thereof will be final, binding and conclusive.</P>

<P STYLE="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>Section 6. Non-Qualified Stock Options</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: 1in"> 6.1 <U>Grant of Non-Qualified Stock Options</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Subject to the provisions hereof, the Board
may, from time to time, grant Non-Qualified Stock Options to Participants upon such terms and conditions as the Board may determine,
and may grant</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">Non-Qualified Stock Options in exchange for
and upon surrender of previously granted Options under this Plan. Non-Qualified Stock Options granted under this Plan are subject
to the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (a) <U>Price</U>. The purchase price per share of Common
Stock deliverable upon the exercise of each Non-Qualified Stock Option shall be determined by the Board on the date the option
is granted. The purchase price shall not be less than one hundred percent (100%) of the Fair Market Value of the Common Stock on
the date of grant or the par value of the Common Stock, whichever is greater. Shares may be purchased only upon full payment of
the purchase price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (b) <U>Terms of Options</U>. The term during which each
Non-Qualified Stock Option may be exercised shall be determined by the Board, but in no event shall a Non-Qualified Stock Option
be exercisable in whole or in part more than ten (10) years from the date of grant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (c) <U>Termination of Service</U>. Except as provided
herein, unless otherwise determined by the Board, upon the termination of the service of a Participant who is not an employee for
any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified Stock Options shall be exercisable
only as to those shares which were immediately exercisable by the participant at the date of termination and only for one (1) year
from the date of such termination. In the event of death or termination of service of a Participant who is not an employee as a
result of Disability of any Participant, all Non-Qualified Stock Options held by the Participant, whether or not exercisable at
such time, shall be exercisable by the Participant or his legal representatives or beneficiaries of the Participant for one (1)
year from the date of such termination. Upon the termination of the service of a Participant who is a common law employee of the
Bank for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified Stock Options shall
be exercised only as to those shares which were immediately exercisable by the Participant at the date of termination and only
for a period of three months following termination. In the event of death or termination of service of Participant who is a common
law employee of the Bank as a result of Disability of any such Participant, all Non-Qualified Stock Options held by such Participant,
whether or not exercisable at such time, shall be exercisable by the Participant or his legal representatives or beneficiaries
of the Participant for one year or such longer period as is determined by the Board following the date of the Participant&rsquo;s death
or termination of service due to Disability, provided and in no event shall the period extend beyond the expiration of the Non-Qualified
Stock Option term. Notwithstanding any other provisions set forth herein to the contrary nor any provision contained in any agreement
relating to the award of an option, in the event of a Termination for Cause, all of the Participant&rsquo;s Non-Qualified Stock Options
shall immediately expire upon such Termination for Cause and shall not be exercisable, regardless of whether such Non-Qualified
Stock Options were vested.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d) <U>Transferability</U>. Except as provided
for hereunder, no Option granted under the Plan shall be assignable or transferable by a Participant, and any attempted disposition
thereof shall be null and void and of no effect. A Participant may transfer or assign an Option granted hereunder to an immediate
family member or trust or benefit plan established for the Participant or an immediate family member. For terms of this provision,
the term &ldquo;immediate family member&rdquo; means a Participant&rsquo;s spouse, parents and offspring. Nothing contained herein shall
be deemed to prevent transfers by will or by the applicable laws of descent and distribution.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. Incentive Stock Options</B></P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> 7.1 <U>Grant of Incentive Stock Options</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">The Board may, from time to time, grant Incentive
Stock Options to Management Officials who are employees of the Bank. Incentive Stock Options granted pursuant to the Plan shall
be subject to the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (a) <U>Price</U>. The purchase price per share of Common
Stock deliverable upon the exercise of each Incentive Stock Option shall be not less than one hundred percent (100%) of the Fair
Market Value of the Common Stock on the date of grant or the par value of the Common Stock, whichever is higher. However, if a
Participant owns stock possessing more than ten percent (10%) of the total combined voting power of all classes of Common Stock,
the purchase price per share of Common Stock deliverable upon the exercise of each Incentive Stock Option shall not be less than
one hundred ten percent (110%) of the Fair Market Value of the Common Stock on the date of grant or the par value of the Common
Stock, whichever is greater. Shares may be purchased only upon payment of the full purchase price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (b) <U>Amounts of Options</U>. Incentive Stock Options
may be granted to any Management Official who is an employee of the Bank in such amounts as determined by the Board. In the case
of an option intended to qualify as an Incentive Stock Option, the aggregate Fair Market Value (determined as of the time the option
first becomes exercisable) of the Common Stock with respect to which Incentive Stock Options granted are exercisable for the first
time by the Participant during any calendar year shall not exceed $100,000. The provisions of this Section 7.1(b) shall be construed
and applied in accordance with Section 422(d) of the Code and the regulations, if any, promulgated thereunder. To the extent an
award is in excess of such limit, it shall be deemed a Non-Qualified Stock Option. The Board shall have discretion to redesignate
options granted as Incentive Stock Options as Non-Qualified Options.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (c) <U>Terms of Options</U>. The term during which each
Incentive Stock Option may be exercised shall be determined by the Board, but in no event shall an Incentive Stock Option be exercisable
in whole or in part more than ten (10) years from the date of grant. If at the time an Incentive Stock Option is granted to an
employee, the employee owns Common Stock representing more than ten percent (10%) of the total combined voting power of the Bank
(or, under Section 422(d) of the Code, is deemed to own Common Stock representing more than ten percent (10%) of the total combined
voting power of all such classes of Common Stock, by reason of the ownership of such classes of Common Stock, directly or indirectly,
by or for any brother, sister, spouse, ancestor or lineal descendent of such employee, or by or for any corporation, partnership,
estate or trust of which such employee is a shareholder, partner or beneficiary), the Incentive Stock Option granted to such employee
shall not be exercisable after the expiration of five years from the date of grant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (d) <U>Termination of Service</U>. Except as provided
in Section 7.1(e) hereof, upon the termination of a Participant&rsquo;s service for any reason other than Disability, death or Termination
for Cause, the Participant&rsquo;s Incentive Stock Options which are then exercisable at the date of termination may only be exercised
by the Participant for a period of three months following termination. Notwithstanding any provisions set forth herein nor contained
in any Agreement relating to an award of an Option, in the event of Termination for Cause all rights under the Participant&rsquo;s Incentive
Stock Options shall expire immediately upon termination, and such Incentive Stock Options shall not be exercisable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Unless otherwise determined by the Board,
in the event of death or termination of service as a result of Disability of any Participant, all Incentive Stock Options held
by such Participant, whether</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">or not exercisable at such time, shall be
exercisable by the Participant or the Participant&rsquo;s legal representatives or beneficiaries of the Participant for one year following
the date of the participant&rsquo;s death or termination of employment as a result of Disability. In no event shall the exercise period
extend beyond the expiration of the Incentive Stock Option term.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (e) <U>Transferability</U>. No Incentive Option granted
under the Plan shall be assignable or transferable by a Participant, except pursuant to the laws of descent and distribution, and
any attempted distribution shall be null and void and of no effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (f) <U>Compliance with Code</U>. The options granted
under this Section 7 of the Plan are intended to qualify as incentive stock options within the meaning of Section 422 of the Code,
but the Bank makes no warranty as to the qualification of any option as an incentive stock option within the meaning of Section
422 of the Code. A Participant shall notify the Board in writing in the event that he disposes of Common Stock acquired upon exercise
of an Incentive Stock Option within the two-year period following the date the Incentive Stock Option was granted or within the
one-year period following the date he received Common Stock upon the exercise of an Incentive Stock Option and shall comply with
any other requirements imposed by the Bank in order to enable the Bank to secure the related income tax deduction to which it will
be entitled in such event under the Code.</P>

<P STYLE="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>Section 8. Extension</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: 1in">The Board may, in its sole discretion, extend
the dates during which all or any particular Option or Options granted under the Plan may be exercised; provided, however, that
no such extension shall be permitted if it would cause Incentive Stock Options issued under the Plan to fail to comply with Section
422 of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 9. General Provisions Applicable to Options </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: 1in"> (a) Each Option under the Plan shall be evidenced by
a writing delivered to the Participant specifying the terms and conditions thereof and containing such other terms and conditions
not inconsistent with the provisions of the Plan as the Board considers necessary or advisable to achieve the purposes of the Plan
or comply with applicable tax and regulatory laws and accounting principles.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (b) Each Option may be granted alone, in addition to
or in relation to any other Option. The terms of each Option need not be identical, and the Board need not treat Participants uniformly.
Except as otherwise provided by the Plan or a particular Option, any determination with respect to an Option may be made by the
Board at the time of grant or at any time thereafter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (c) In the event of a consolidation, reorganization,
merger or sale of all or substantially all of the assets of the Bank, in each case in which outstanding shares of Common Stock
are exchanged for securities, cash or other property of any other corporation or business entity or in the event of a liquidation
of the Bank, the Board will provide for any one or more of the following actions, as to outstanding options: (i) provide that such
options shall be assumed, or equivalent options shall be substituted, by the acquiring or succeeding corporation (or an affiliate
thereof), provided that any such options substituted for Incentive Stock Options shall meet the requirements of Section 424(a)
of the Code, (ii) upon written notice to the Participants, provide that all unexercised options will terminate immediately prior
to the consummation of such transaction unless exercised (to the extent then exercisable) by the Participant within a specified
period following the date of such notice, (iii) in the</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">event of a merger under the terms of which holders of the Common
Stock of the Bank will receive upon consummation thereof a cash payment for each share surrendered in the merger (the &ldquo;Merger
Price&rdquo;), make or provide for a cash payment to the Participants equal to the difference between (A) the Merger Price times
the number of shares of Common Stock subject to such outstanding Options (to the extent then exercisable at prices not in excess
of the Merger Price) and (B) the aggregate exercise price of all such outstanding Options in exchange for the termination of such
Options, and (iv) provide that all or any outstanding Options shall become exercisable in full immediately prior to such event.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (d) The Participant shall pay to the Bank, or make provision
satisfactory to the Board for payment of, any taxes required by law to be withheld in respect of Options under the Plan no later
than the date of the event creating the tax liability. In the Board&rsquo;s sole discretion, a Participant may elect to have such tax
obligations paid, in whole or in part, in shares of Common Stock, including shares retained from the Option creating the tax obligation.
For withholding tax purposes, the value of the shares of Common Stock shall be the Fair Market Value on the date the withholding
obligation is incurred. The Bank may, to the extent permitted by law, deduct any such tax obligations from any payment of any kind
otherwise due to the Participant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (e) For purposes of the Plan, the following events shall
not be deemed a termination of service of a Participant:</P>

<P STYLE="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 72pt; text-indent: 36pt"> (i) a transfer to the employment
of the Bank from a subsidiary or from the Bank to a subsidiary, or from one subsidiary to another, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt"> (ii) an approved leave of
absence for military service or sickness, or for any other purpose approved by the Bank, if the Participant&rsquo;s right to reemployment
is guaranteed either by a statute or by contract or under the policy pursuant to which the leave of absence was granted or if the
Board otherwise so provides in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (f) The Board may at any time, and from time to time,
amend, modify or terminate the Plan or any outstanding Option held by a Participant, including substituting therefore another Option
of the same or a different type or changing the date of exercise or realization, provided that the Participant&rsquo;s consent to each
action shall be required unless the Board determines that the action, taking into account any related action, would not materially
and adversely affect the Participant, and further provided that no amendment increasing the number of shares subject to the Plan
or decreasing the exercise price for any option provided for under the Plan may be effectuated without the approval of the shareholders
of the Bank; provided, however, that no such amendment or modification will be effective if such amendment or modification would
cause the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any successor or replacement regulation.</P>

<P STYLE="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>Section 10. Miscellaneous</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: 1in"> (a) No person shall have any claim or right to be granted
an Option, and the grant of an Option shall not be construed as giving a Participant the right to continued employment or service
on the Bank&rsquo;s Board. The Bank expressly reserves the right at any time to dismiss a Participant free from any liability or claim
under the Plan, except as expressly provided in the applicable 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-indent: 1in"> (b) Nothing contained in the Plan shall prevent the Bank
from adopting other or additional compensation arrangements.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (c) Subject to the provisions of the applicable Option,
no Participant shall have any rights as a shareholder (including, without limitation, any rights to receive dividends, or non-cash
distributions with respect to such shares) with respect to any shares of Common Stock to be distributed under the Plan until he
or she becomes the holder thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (d) Notwithstanding anything to the contrary expressed
in this Plan, any provisions hereof that vary from or conflict with any applicable Federal or State securities laws (including
any regulations promulgated thereunder) shall be deemed to be modified to conform to and comply with such laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (e) No member of the Board shall be liable for any action
or determination taken or granted in good faith with respect to this Plan nor shall any member of the Board be liable for any agreement
issued pursuant to this Plan or any grants under it. Each member of the Board shall be indemnified by the Bank against any losses
incurred in such administration of the Plan, unless his action constitutes serious and willful misconduct.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (f) This Plan shall become effective upon its approval
by the holders of two-thirds (2/3) of the Common Stock of the Bank entitled to vote and the approval of the Plan by the Commissioner
of the Department of Banking and Insurance pursuant to Section 27.51 of the Banking Act of 1948, as amended. Prior to such approval,
Options may be granted under the Plan expressly subject to such approval.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (g) Options may not be granted under the Plan more than
ten (10) years after approval of the Plan by the Bank&rsquo;s Shareholders, but then outstanding Options may extend beyond such date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> (h) To the extent that State laws shall not have been
preempted by any laws of the United States, the Plan shall be construed, regulated, interpreted and administered according to the
other laws of the State of New Jersey.</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 4.2</B></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>2005 STOCK OPTION PLAN - B</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 1. Purpose</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">The North Jersey Community Bank 2005 Stock Option
Plan &ndash; B (the &ldquo;Plan&rdquo;) is hereby established to foster and promote the long-term success of North Jersey Community
Bank (the &ldquo;Bank&rdquo;) and its shareholders by providing members of management, including employees and management officials,
with an equity interest in the Bank. The Plan will assist the Bank in attracting and retaining the highest quality of experienced
persons to serve as Directors and in aligning the interests of such persons more closely with the interests of the Bank&rsquo;s shareholders
by encouraging such parties to maintain an equity interest in the Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Capitalized terms not specifically defined elsewhere
herein shall have the following meaning:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Act&rdquo; means the Securities Exchange
Act of 1934, as amended from time to time, and any rules and regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Bank&rdquo; means North Jersey Community
Bank and any present or future subsidiary or parent corporations of North Jersey Community Bank (as defined in Section 424 of the
Code) or any successor to such corporations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Board&rdquo; means the Board of Directors
of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Code&rdquo; means the Internal Revenue Code
of 1986, as amended from time to time, and the regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Common Stock&rdquo; or &ldquo;Stock&rdquo;
means the common stock, $5.00 per share par value, of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Disability&rdquo; shall mean, with respect
to a Management Official who is an employee, a permanent disability which qualifies as total disability under the terms of the
Bank&rsquo;s Long-Term Disability Plans and, with respect to a Management Official who is a non-employee member of the Board, permanent
and total disability which if the Management Official were an employee of the Bank would be treated as a total disability under
the term of the Bank&rsquo;s long-term disability plan for employees as in effect from time to time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Fair Market Value&rdquo; means, with respect
to shares of Common Stock, the fair market value as determined by the Board in good faith and in a manner established by the Board
from time to time, taking into account such factors as the Board shall deem relevant, including the book value of the Common Stock
and, to the extent there is an established trading market for the Common Stock, the market value of the Common Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Management Official&rdquo; means an employee
of the Bank, a non-employee member of the Board, a member of any advisory Board or any other service provider to the Bank.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Non-Qualified Stock Option&rdquo; means
an option to purchase shares of Common Stock granted to a Participant under the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Option&rdquo; means a Non-Qualified Stock
Option granted hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Participant&rdquo; means a Management Official
selected by the Board to receive an Option under the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Plan&rdquo; means the North Jersey Community
Bank 2005 Stock Option Plan - B.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Termination for Cause&rdquo; means termination
because of Participant&rsquo;s intentional failure to perform stated duties, personal dishonesty, willful violation of any law, rule
regulation (other than traffic violations or similar offenses) or final cease and desist order issued by any regulatory agency
having jurisdiction over the Participant or the Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) The Plan shall be administered by the Board.
Among other things, the Board shall have authority, subject to the terms of the Plan, to grant Options, to determine the individuals
to whom and the time or times at which Options may be granted, to determine the terms and conditions of any Option granted hereunder,
including whether to impose any vesting period, and the exercise price thereof, subject to the requirements of this Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) Subject to the other provisions of the Plan,
the Board shall have authority to adopt, amend, alter and repeal such administrative rules, guidelines and practices governing
the operation of the Plan as it shall from time to time consider advisable, to interpret the provisions of the Plan and any Option
and to decide all disputes arising in connection with the Plan. The Board may correct any defect or supply any omission or reconcile
any inconsistency in the Plan or in any option agreement in the manner and to the extent it shall deem appropriate to carry the
Plan into effect, in its sole and absolute discretion. The Board&rsquo;s decision and interpretations shall be final and binding. Any
action of the Board with respect to the administration of the Plan shall be taken pursuant to a majority vote or by the unanimous
written consent of its members.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) The Board may employ such legal counsel,
consultants and agents as it may deem desirable for the administration of the Plan and may rely upon any opinion received from
any such counsel or consultant and any computation received from any such consultant or agent.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 4. Eligibility and Participation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Management Officials of the Bank shall be eligible
to participate in the Plan. The Participants under the Plan shall be selected from time to time by the Board, in its sole discretion,
from among those eligible, and the Board shall determine in its sole discretion the numbers of shares to be covered by the Option
or Options granted to each Participant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 5. Shares of Stock Available for Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) The maximum number of shares of Common Stock
which may be issued and purchased pursuant to Options granted under the Plan is 60,000, subject to the adjustments as provided
in Section 5 and Section 8, to the extent applicable. If an Option granted under this Plan expires or terminates before exercise
or is forfeited for any reason, without a payment in the form of Common Stock being granted to the Participant, the shares of Common
Stock subject to such Option, to the extent of such expiration, termination or forfeiture, shall again be available for subsequent
Option grant under Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) In the event that any stock dividend, stock
split, reverse stock split or combination, extraordinary cash dividend, creation of a class of equity securities, recapitalization,
reclassification, reorganization, merger, consolidation, split-up, spin-off, combination, exchange of shares, warrants or rights
offering to purchase Common Stock at a price substantially below Fair Market Value, or other similar transaction affects the Common
Stock such that an adjustment is required in order to preserve the benefits or potential benefits intended to be granted or made
available under the Plan to Participants, the Board shall proportionately and appropriately adjust equitably any or all of (i)
the maximum number and kind of shares of Common Stock in respect of which Options may be granted under the Plan to Participants,
(ii) the number and kind of shares of Common Stock subject to outstanding Options held by Participants, and (iii) the exercise
price with respect to any Options held by Participants, without changing the aggregate purchase price as to which such Options
remain exercisable, and if considered appropriate, the Board may make provision for a cash payment with respect to any outstanding
Options held by a Participant, provided that no adjustment shall be made pursuant to this Section if such adjustment would cause
the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any successor or replacement regulation. No fractional
Shares shall be issued on account of any such adjustment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) Any adjustments under this Section will be
made by the Board, whose determination as to what adjustments, will be made and the extent thereof will be final, binding and conclusive.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 6. Non-Qualified Stock Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">6.1 <U>Grant of Non-Qualified Stock Options</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Subject to the provisions hereof, the Board may,
from time to time, grant Non-Qualified Stock Options to Participants upon such terms and conditions as the Board may determine.
Options granted under this Plan are subject to the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) <U>Price</U>. The purchase price per share
of Common Stock deliverable upon the exercise of each Option shall be determined by the Board on the date the option is granted.
The purchase price shall not be less than one hundred percent (100%) of the Fair Market Value of the Common Stock</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">on the date of grant or the par value of the Common Stock, whichever
is greater. Shares may be purchased only upon full payment of the purchase price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) <U>Terms of Options</U>. The term during
which each Option may be exercised shall be determined by the Board, but in no event shall an Option be exercisable in whole or
in part more than ten (10) years from the date of grant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) <U>Termination of Service</U>. Except as
provided herein, unless otherwise determined by the Board, upon the termination of the service of a Participant who is not an employee
for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Options shall be exercisable only as to
those shares which were immediately exercisable by the participant at the date of termination and only for one (1) year from the
date of such termination. In the event of death or termination of service of a Participant who is not an employee as a result of
Disability of any Participant, all Options held by the Participant, whether or not exercisable at such time, shall be exercisable
by the Participant or his legal representatives or beneficiaries of the Participant for one (1) year from the date of such termination.
Upon the termination of the service of a Participant who is a common law employee of the Bank for any reason other than Disability,
death or Termination for Cause, the Participant&rsquo;s Options shall be exercised only as to those shares which were immediately exercisable
by the Participant at the date of termination and only for a period of three months following termination. In the event of death
or termination of service of Participant who is a common law employee of the Bank as a result of Disability of any such Participant,
all Options held by such Participant, whether or not exercisable at such time, shall be exercisable by the Participant or his legal
representatives or beneficiaries of the Participant for one year or such longer period as is determined by the Board following
the date of the Participant&rsquo;s death or termination of service due to Disability, provided and in no event shall the period extend
beyond the expiration of the Option term. Notwithstanding any other provisions set forth herein to the contrary nor any provision
contained in any agreement relating to the award of an option, in the event of a Termination for Cause, all of the Participant&rsquo;s
Options shall immediately expire upon such Termination for Cause and shall not be exercisable, regardless of whether such Options
were vested.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) <U>Transferability</U>. Except as provided
for hereunder, no Option granted under the Plan shall be assignable or transferable by a Participant, and any attempted disposition
thereof shall be null and void and of no effect. A Participant may transfer or assign an Option granted hereunder to an immediate
family member or trust or benefit plan established for the Participant or an immediate family member. For terms of this provision,
the term &ldquo;immediate family member&rdquo; means a Participant&rsquo;s spouse, parents and offspring. Nothing contained herein shall
be deemed to prevent transfers by will or by the applicable laws of descent and distribution.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 7. Extension</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">The Board may, in its sole discretion, extend
the dates during which all or any particular Option or Options granted under the Plan may be exercised.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 8. General Provisions Applicable to Options </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) Each Option under the Plan shall be evidenced
by a writing delivered to the Participant specifying the terms and conditions thereof and containing such other terms and conditions
not inconsistent with the provisions of the Plan as the Board considers necessary or advisable to achieve the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">purposes of the Plan or comply with applicable tax and regulatory
laws and accounting principles.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) Each Option may be granted alone, in addition
to or in relation to any other Option. The terms of each Option need not be identical, and the Board need not treat Participants
uniformly. Except as otherwise provided by the Plan or a particular Option, any determination with respect to an Option may be
made by the Board at the time of grant or at any time thereafter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) In the event of a consolidation, reorganization,
merger or sale of all or substantially all of the assets of the Bank, in each case in which outstanding shares of Common Stock
are exchanged for securities, cash or other property of any other corporation or business entity or in the event of a liquidation
of the Bank, the Board will provide for any one or more of the following actions, as to outstanding options: (i) provide that such
options shall be assumed, or equivalent options shall be substituted, by the acquiring or succeeding corporation (or an affiliate
thereof, (ii) upon written notice to the Participants, provide that all unexercised options will terminate immediately prior to
the consummation of such transaction unless exercised (to the extent then exercisable) by the Participant within a specified period
following the date of such notice, (iii) in the event of a merger under the terms of which holders of the Common Stock of the Bank
will receive upon consummation thereof a cash payment for each share surrendered in the merger (the &ldquo;Merger Price&rdquo;),
make or provide for a cash payment to the Participants equal to the difference between (A) the Merger Price times the number of
shares of Common Stock subject to such outstanding Options (to the extent then exercisable at prices not in excess of the Merger
Price) and (B) the aggregate exercise price of all such outstanding Options in exchange for the termination of such Options, and
(iv) provide that all or any outstanding Options shall become exercisable in full immediately prior to such event.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) The Participant shall pay to the Bank, or
make provision satisfactory to the Board for payment of, any taxes required by law to be withheld in respect of Options under the
Plan no later than the date of the event creating the tax liability. In the Board&rsquo;s sole discretion, a Participant may elect to
have such tax obligations paid, in whole or in part, in shares of Common Stock, including shares retained from the Option creating
the tax obligation. For withholding tax purposes, the value of the shares of Common Stock shall be the Fair Market Value on the
date the withholding obligation is incurred. The Bank may, to the extent permitted by law, deduct any such tax obligations from
any payment of any kind otherwise due to the Participant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(e) For purposes of the Plan, the following events
shall not be deemed a termination of service of a Participant:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt"></TD><TD>(i) a transfer to the employment of the Bank from a subsidiary or from the Bank to a subsidiary, or from one subsidiary to
another, or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt"></TD><TD>(ii) an approved leave of absence for military service or sickness, or for any other purpose approved by the Bank, if the Participant&rsquo;s
right to reemployment is guaranteed either by a statute or by contract or under the policy pursuant to which the leave of absence
was granted or if the Board otherwise so provides in writing.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(f) The Board may at any time, and from time
to time, amend, modify or terminate the Plan or any outstanding Option held by a Participant, including substituting therefore
another Option of the same or a different type or changing the date of exercise or realization, provided that the Participant&rsquo;s
consent to each action shall be required unless the Board determines that the action, taking</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">into account any related action, would not materially and adversely
affect the Participant, and further provided that no amendment increasing the number of shares subject to the Plan or decreasing
the exercise price for any option provided for under the Plan may be effectuated without the approval of the shareholders of the
Bank; provided, however, that no such amendment or modification will be effective if such amendment or modification would cause
the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any successor or replacement regulation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 9. Miscellaneous</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) No person shall have any claim or right to
be granted an Option, and the grant of an Option shall not be construed as giving a Participant the right to continued employment
or service on the Bank&rsquo;s Board. The Bank expressly reserves the right at any time to dismiss a Participant free from any liability
or claim under the Plan, except as expressly provided in the applicable Option.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) Nothing contained in the Plan shall prevent
the Bank from adopting other or additional compensation arrangements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) Subject to the provisions of the applicable
Option, no Participant shall have any rights as a shareholder (including, without limitation, any rights to receive dividends,
or non-cash distributions with respect to such shares) with respect to any shares of Common Stock to be distributed under the Plan
until he or she becomes the holder thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) Notwithstanding anything to the contrary
expressed in this Plan, any provisions hereof that vary from or conflict with any applicable Federal or State securities laws (including
any regulations promulgated thereunder) shall be deemed to be modified to conform to and comply with such laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(e) No member of the Board shall be liable for
any action or determination taken or granted in good faith with respect to this Plan nor shall any member of the Board be liable
for any agreement issued pursuant to this Plan or any grants under it. Each member of the Board shall be indemnified by the Bank
against any losses incurred in such administration of the Plan, unless his action constitutes serious and willful misconduct.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(f) This Plan shall become effective upon its
approval by the holders of two-thirds (2/3) of the Common Stock of the Bank entitled to vote and the approval of the Plan by the
Commissioner of the Department of Banking and Insurance pursuant to Section 27.51 of the Banking Act of 1948, as amended. Prior
to such approval, Options may be granted under the Plan expressly subject to such approval.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(g) Options may not be granted under the Plan
more than ten (10) years after approval of the Plan by the Bank&rsquo;s Shareholders, but then outstanding Options may extend beyond
such date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(h) To the extent that State laws shall not have
been preempted by any laws of the United States, the Plan shall be construed, regulated, interpreted and administered according
to the other laws of the State of New Jersey.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 4.3</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>2006 EQUITY COMPENSATION PLAN</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 1. Purpose</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">The North Jersey Community Bank 2006 Equity Compensation
Plan (the &ldquo;Plan&rdquo;) is hereby established to foster and promote the long-term success of North Jersey Community Bank
(the &ldquo;Bank&rdquo;) and its shareholders by providing members of management, including employees and management officials,
with an equity interest in the Bank. The Plan will assist the Bank in attracting and retaining the highest quality of experienced
persons to serve as Directors and in aligning the interests of such persons more closely with the interests of the Bank&rsquo;s
shareholders by encouraging such parties to maintain an equity interest in the Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Capitalized terms not specifically defined elsewhere
herein shall have the following meaning:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Act&rdquo; means the Securities Exchange
Act of 1934, as amended from time to time, and any rules and regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Award&rdquo; means the grant of Options
or a Restricted Stock Award hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Bank&rdquo; means North Jersey Community
Bank and any present or future subsidiary or parent corporations of North Jersey Community Bank (as defined in Section 424 of the
Code) or any successor to such corporations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Board&rdquo; means the Board of Directors
of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Code&rdquo; means the Internal Revenue
Code of 1986, as amended from time to time, and the regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Common Stock&rdquo; or &ldquo;Stock&rdquo;
means the common stock, $5.00 per share par value, of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Disability&rdquo; shall mean the Participant&rsquo;s
inability for a period of three (3) consecutive months, or for six (6) months during any twelve (12) month period, to perform the
requirements of the Participant&rsquo;s position with the Bank due to physical or mental impairment; provided, however, with respect
to a Participant who has been granted an Incentive Stock Option such term shall have the meaning set forth in Section 422(c)(6)
of the Code. For purposes of Restricted Stock Awards under Section 8, &ldquo;Disability&rdquo; shall be as defined in Section 8.3(a)(1).
The determination of whether a Disability exists will be made by the Board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Fair Market Value&rdquo; means, with respect
to shares of Common Stock, the fair market value as determined by the Board in good faith and in a manner established by the Board
from time to time, taking into account such factors as the Board shall deem relevant, including</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the book value of the Common Stock and, to the extent there is an
established trading market for the Common Stock, the market value of the Common Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Incentive Stock Option&rdquo; means an
option to purchase shares of Common Stock granted to a Participant under the Plan which is intended to meet the requirements of
Section 422 of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Management Official&rdquo; means an employee
of the Bank, a non-employee member of the Board, a member of any advisory Board or any other service provider to the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Non-Qualified Stock Option&rdquo; means
an option to purchase shares of Common Stock granted to a Participant under the Plan which is not intended to be an Incentive Stock
Option.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Option&rdquo; means an Incentive Stock
Option or a Non-Qualified Stock Option granted hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Participant&rdquo; means a Management
Official selected by the Board to receive an Option or Restricted Stock Award under the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Plan&rdquo; means the North Jersey Community
Bank 2006 Equity Compensation Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Restricted Stock Award&rdquo; means a
grant of shares of Common Stock pursuant to Section 8 hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&ldquo;Termination for Cause&rdquo; means termination
because of Participant&rsquo;s intentional failure to perform stated duties, personal dishonesty, willful violation of any law,
rule regulation (other than traffic violations or similar offenses) or final cease and desist order issued by any regulatory agency
having jurisdiction over the Participant or the Bank.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) The Plan shall be administered by the Board.
Among other things, the Board shall have authority, subject to the terms of the Plan, to grant Awards, to determine the type of
Award granted, to determine the individuals to whom and the time or times at which Awards may be granted, to determine whether
Options are to be Incentive Options or Non-Qualified Stock Options (subject to the requirements of the Code, which provide that
only employees may receive Incentive Options and subject to the limitation contained in Section 5 regarding the number of Non-Qualified
Stock Options which may be granted), to determine the terms and conditions of any Award granted hereunder, including whether to
impose any vesting period, and if the Award is an Option, the exercise price thereof, subject to the requirements of this Plan.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) Subject to the other provisions of the Plan,
the Board shall have authority to adopt, amend, alter and repeal such administrative rules, guidelines and practices governing
the operation of the Plan as it shall from time to time consider advisable, to interpret the provisions of the Plan and any Award
and to decide all disputes arising in connection with the Plan. The Board may correct any defect or supply any omission or reconcile
any inconsistency in the Plan or in any grant agreement in the manner and to the extent it shall deem appropriate to carry the
Plan into effect, in its sole and absolute discretion. The Board&rsquo;s decision and interpretations shall be final and binding.
Any action of the Board with respect to the administration of the Plan shall be taken pursuant to a majority vote or by the unanimous
written consent of its members.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) The Board may employ such legal counsel,
consultants and agents as it may deem desirable for the administration of the Plan and may rely upon any opinion received from
any such counsel or consultant and any computation received from any such consultant or agent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 4. Eligibility and Participation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Management Officials of the Bank shall be eligible
to participate in the Plan. The Participants under the Plan shall be selected from time to time by the Board, in its sole discretion,
from among those eligible, and the Board shall determine in its sole discretion the numbers of shares to be covered by the Award
or Awards granted to each Participant. Options intended to qualify as Incentive Stock Options shall be granted only to persons
who are eligible to receive such options under Section 422 of the Code; i.e., employees of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 5. Shares of Stock Available for Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) The maximum number of shares of Common Stock
which may be issued under the Plan is 45,300, subject to the adjustments as provided in this Section 5 and Section 10, to the extent
applicable. Of this amount, the maximum number of shares which may be purchased pursuant to Non-Qualified Options or Restricted
Stock Awards granted to Participants who are not employees of the Bank shall be 30,200, subject to the adjustments provided for
in this Section 5 and Section 10. If an Award granted under this Plan expires or terminates before exercise or is forfeited for
any reason, without a payment in the form of Common Stock being granted to the Participant, the shares of Common Stock subject
to such Award, to the extent of such expiration, termination or forfeiture, shall again be available for subsequent Award grant
under Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) In the event that any stock dividend, stock
split, reverse stock split or combination, extraordinary cash dividend, creation of a class of equity securities, recapitalization,
reclassification, reorganization, merger, consolidation, split-up, spin-off, combination, exchange of shares, warrants or rights
offering to purchase Common Stock at a price substantially below Fair Market Value, or other similar transaction affects the Common
Stock such that an adjustment is required in order to preserve the benefits or potential benefits</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">intended to be granted or made available under the Plan to Participants,
the Board shall proportionately and appropriately adjust equitably any or all of (i) the maximum number and kind of shares of Common
Stock in respect of which Awards may be granted under the Plan to Participants, (ii) the number and kind of shares of Common Stock
subject to outstanding Options held by Participants, and (iii) the exercise price with respect to any Options held by Participants,
without changing the aggregate purchase price as to which such Options remain exercisable, and if considered appropriate, the Board
may make provision for a cash payment with respect to any outstanding Options held by a Participant, provided that no adjustment
shall be made pursuant to this Section if such adjustment would cause the Plan to fail to comply with Section 422 of the Code with
regard to any Incentive Stock Options granted hereunder or fail to comply with the requirements of Rule 16b-3 under the Act or
any successor or replacement regulation. No fractional Shares shall be issued on account of any such adjustment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) Any adjustments under this Section will be
made by the Board, whose determination as to what adjustments, will be made and the extent thereof will be final, binding and conclusive.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 6. Non-Qualified Stock Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">6.1 <U>Grant of Non-Qualified Stock Options</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Subject to the provisions hereof, the Board may,
from time to time, grant Non-Qualified Stock Options to Participants upon such terms and conditions as the Board may determine,
and may grant Non-Qualified Stock Options in exchange for and upon surrender of previously granted Options under this Plan. Non-Qualified
Stock Options granted under this Plan are subject to the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) <U>Price</U>. The purchase price per share
of Common Stock deliverable upon the exercise of each Non-Qualified Stock Option shall be determined by the Board on the date the
option is granted. The purchase price shall not be less than one hundred percent (100%) of the Fair Market Value of the Common
Stock on the date of grant or the par value of the Common Stock, whichever is greater. Shares may be purchased only upon full payment
of the purchase price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) <U>Terms of Options</U>. The term during
which each Non-Qualified Stock Option may be exercised shall be determined by the Board, but in no event shall a Non-Qualified
Stock Option be exercisable in whole or in part more than ten (10) years from the date of grant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) <U>Termination of Service</U>. Except as
provided herein, unless otherwise determined by the Board, upon the termination of the service of a Participant who is not an employee
for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified Stock Options shall
be exercisable only as to those shares which were immediately exercisable by the participant at the date of termination and only
for one (1) year from the date of such termination. In the event of death or termination of service of a Participant</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">who is not an employee as a result of Disability of any Participant,
all Non-Qualified Stock Options held by the Participant, whether or not exercisable at such time, shall be exercisable by the Participant
or his legal representatives or beneficiaries of the Participant for one (1) year from the date of such termination. Upon the termination
of the service of a Participant who is a common law employee of the Bank for any reason other than Disability, death or Termination
for Cause, the Participant&rsquo;s Non-Qualified Stock Options shall be exercised only as to those shares which were immediately
exercisable by the Participant at the date of termination and only for a period of three months following termination. In the event
of death or termination of service of a Participant who is a common law employee of the Bank as a result of Disability of any such
Participant, all Non-Qualified Stock Options held by such Participant, whether or not exercisable at such time, shall be exercisable
by the Participant or his legal representatives or beneficiaries of the Participant for one year or such longer period as is determined
by the Board following the date of the Participant&rsquo;s death or termination of service due to Disability, provided and in no
event shall the period extend beyond the expiration of the Non-Qualified Stock Option term. Notwithstanding any other provisions
set forth herein to the contrary nor any provision contained in any agreement relating to the award of an option, in the event
of a Termination for Cause, all of the Participant&rsquo;s Non-Qualified Stock Options shall immediately expire upon such Termination
for Cause and shall not be exercisable, regardless of whether such Non-Qualified Stock Options were vested.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) <U>Transferability</U>. Except as provided
for hereunder, no Option granted under the Plan shall be assignable or transferable by a Participant, and any attempted disposition
thereof shall be null and void and of no effect. A Participant may transfer or assign an Option granted hereunder to an immediate
family member or trust or benefit plan or similar investment vehicle established for the Participant or an immediate family member.
For purposes of this provision, the term &ldquo;immediate family member&rdquo; means a Participant&rsquo;s spouse, parents and
offspring. Nothing contained herein shall be deemed to prevent transfers by will or by the applicable laws of descent and distribution.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 7. Incentive Stock Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">7.1 <U>Grant of Incentive Stock Options</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">The Board may, from time to time, grant Incentive
Stock Options to Management Officials who are employees of the Bank. Incentive Stock Options granted pursuant to the Plan shall
be subject to the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) <U>Price</U>. The purchase price per share
of Common Stock deliverable upon the exercise of each Incentive Stock Option shall be not less than one hundred percent (100%)
of the Fair Market Value of the Common Stock on the date of grant or the par value of the Common Stock, whichever is higher. However,
if a Participant owns stock possessing more than ten percent (10%) of the total combined voting power of all classes of Common
Stock, the purchase price per share of Common Stock deliverable upon the exercise of each Incentive Stock Option shall not be less
than one hundred ten percent (110%) of the Fair Market Value of the Common</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Stock on the date of grant or the par value of the Common Stock,
whichever is greater. Shares may be purchased only upon payment of the full purchase price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) <U>Amounts of Options</U>. Incentive Stock
Options may be granted to any Management Official who is an employee of the Bank in such amounts as determined by the Board. In
the case of an option intended to qualify as an Incentive Stock Option, the aggregate Fair Market Value (determined as of the time
the option first becomes exercisable) of the Common Stock with respect to which Incentive Stock Options granted are exercisable
for the first time by the Participant during any calendar year shall not exceed $100,000. The provisions of this Section 7.1(b)
shall be construed and applied in accordance with Section 422(d) of the Code and the regulations, if any, promulgated thereunder.
To the extent an award is in excess of such limit, it shall be deemed a Non-Qualified Stock Option. The Board shall have discretion
to redesignate options granted as Incentive Stock Options as Non-Qualified Options.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) <U>Terms of Options</U>. The term during
which each Incentive Stock Option may be exercised shall be determined by the Board, but in no event shall an Incentive Stock Option
be exercisable in whole or in part more than ten (10) years from the date of grant. If at the time an Incentive Stock Option is
granted to an employee, the employee owns Common Stock representing more than ten percent (10%) of the total combined voting power
of the Bank (or, under Section 422(d) of the Code, is deemed to own Common Stock representing more than ten percent (10%) of the
total combined voting power of all such classes of Common Stock, by reason of the ownership of such classes of Common Stock, directly
or indirectly, by or for any brother, sister, spouse, ancestor or lineal descendent of such employee, or by or for any corporation,
partnership, estate or trust of which such employee is a shareholder, partner or beneficiary), the Incentive Stock Option granted
to such employee shall not be exercisable after the expiration of five years from the date of grant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) <U>Termination of Service</U>. Except as
provided in Section 7.1(e) hereof, upon the termination of a Participant&rsquo;s service for any reason other than Disability,
death or Termination for Cause, the Participant&rsquo;s Incentive Stock Options which are then exercisable at the date of termination
may only be exercised by the Participant for a period of three months following termination. Notwithstanding any provisions set
forth herein nor contained in any Agreement relating to an award of an Option, in the event of Termination for Cause all rights
under the Participant&rsquo;s Incentive Stock Options shall expire immediately upon termination, and such Incentive Stock Options
shall not be exercisable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">Unless otherwise determined by the Board, in
the event of death or termination of service as a result of Disability of any Participant, all Incentive Stock Options held by
such Participant, whether or not exercisable at such time, shall be exercisable by the Participant or the Participant&rsquo;s legal
representatives or beneficiaries of the Participant for one year following the date of the participant&rsquo;s death or termination
of employment as a result of Disability. In no event shall the exercise period extend beyond the expiration of the Incentive Stock
Option term.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(e) <U>Transferability</U>. No Incentive Option
granted under the Plan shall be</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">assignable or transferable by a Participant, except pursuant to
the laws of descent and distribution, and any attempted distribution shall be null and void and of no effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(f) <U>Compliance with Code</U>. The options
granted under this Section 7 of the Plan are intended to qualify as incentive stock options within the meaning of Section 422 of
the Code, but the Bank makes no warranty as to the qualification of any option as an incentive stock option within the meaning
of Section 422 of the Code. A Participant shall notify the Board in writing in the event that he disposes of Common Stock acquired
upon exercise of an Incentive Stock Option within the two-year period following the date the Incentive Stock Option was granted
or within the one-year period following the date he received Common Stock upon the exercise of an Incentive Stock Option and shall
comply with any other requirements imposed by the Bank in order to enable the Bank to secure the related income tax deduction to
which it will be entitled in such event under the Code.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0">Section 8. Restricted Stock</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">8.1 <U>Grant of Restricted Stock Awards</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) <U>Grants</U>. The Board may grant Restricted
Stock Awards entitling recipients to acquire shares of Common Stock, subject to the right of the Bank to require forfeiture of
such shares from the Participant in the event that conditions specified by the Board in the applicable Restricted Stock Award are
not satisfied prior to the end of the applicable restriction period or periods established by the Board for such Restricted Award.
During the restricted period, shares constituting a Restricted Stock Award may not be transferred, although a Participant shall
be entitled to exercise other indicia of ownership, including the right to vote such shares and receive any dividends declared
on such shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) <U>Terms and Conditions</U>. Subject
to Section 8.2, the Board shall determine the terms and conditions of any such Restricted Stock Award, including the conditions
for forfeiture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) <U>Stock Certificates</U>. The Bank may
cause shares issued as part of a Restricted Stock Award to be issued in either book entry form or certificated form. Shares issued
in book entry form will be maintained in an account at the Bank&rsquo;s transfer agent, and only released to a Participant upon
satisfaction of any required restrictions. Any stock certificates issued in respect of a Restricted Stock Award shall be registered
in the name of the Participant and, unless otherwise determined by the Board, deposited by the Participant, together with a stock
power endorsed in blank, with the Bank (or its designee). At the expiration of the applicable restriction periods, the Bank (or
such designee) shall deliver the certificates no longer subject to such restrictions to the Participant or if the Participant has
died, to the beneficiary designated, in a manner determined by the Board, by a Participant to receive amounts due or exercise rights
of the Participant in the event of the Participant&rsquo;s death (the &ldquo;Designated Beneficiary&rdquo;). In the absence of
an effective designation by a Participant, Designated Beneficiary shall mean the Participant&rsquo;s estate.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">8.2 Distribution of Restricted Stock Awards</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 72pt">(a) Restricted Stock Awards shall not be distributed
and the restrictions pertaining to such award shall not expire earlier than &ndash;<BR>
<BR></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">(1) upon the completion or satisfaction of the conditions specified by the Board in the Award;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">(2) a Participant&rsquo;s separation from service;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">(3) the date a Participant becomes disabled (as defined in Section 8.3(b));</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">(4) upon the death of a Participant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">(5) a change in the ownership or effective control of the Bank, or in the ownership of a substantial portion of the assets
of the Bank, as described in Section 10(c) or, if in conflict therewith, to the extent necessary, by the Secretary of Treasury
under regulations issued under Code section 409A; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 108pt">(6) upon the occurrence of an unforeseeable
emergency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 72pt"><U>(</U>b) A payment of a Participant&rsquo;s
vested interest in a Restricted Stock Award may, in the discretion of the Board, be made in the event of a Participant&rsquo;s
Disability, upon the occurrence of a Change-in-Control (as defined in the Grant Agreement evidencing any Award) or Unforeseeable
Emergency. Payments in settlement of a Participant&rsquo;s vested interest in a Restricted Stock Award shall be made as soon as
practicable after such occurrence or after the Participant otherwise vests in such award. For the purposes of section 409A of
the Code, the entitlement to a series of installment payments will be treated as the entitlement to a single payment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 36pt; text-indent: 72pt"><U>(</U>c) Other provisions of the Plan notwithstanding,
if, upon the written application of a Participant, the Board determines that the Participant has an unforeseeable emergency (as
defined in Section 8.3(b)), the Board may, in its sole discretion, direct the payment to the Participant of all or a portion of
the balance of his or her vested interest in a Restricted Stock Award in a lump sum payment, provided that any such withdrawal
shall be limited by the Board to the amount reasonably necessary to meet the emergency, including amounts needed to pay any income
taxes or penalties reasonably anticipated to result from the payment. No payment may be made to the extent that such emergency
is or may be relieved through reimbursement or compensation from insurance or otherwise, by liquidation of the Participant&rsquo;s
assets or to the extent the liquidation of such assets would not cause severe financial hardship.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) The Board may not otherwise permit the
acceleration of the time or schedule of any vesting of a Restricted Stock award scheduled to be paid pursuant to the Plan, unless
such acceleration of the time or schedule is (i) necessary to fulfill a domestic relations order (as defined in section 414(p)(1)(B)
of the Code) or to comply with a certificate of divestiture (as defined in section 1043(b)(2) of the Code), (ii) de minimis in
nature (as defined in regulations promulgated under section 409A of the Code), (iii) to be used for the payment of FICA taxes on
amounts deferred under the Plan, or (iv) equal to amounts included in the federal personal taxable income of the Participant under
section 409A of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">8.3 <U>Definitions for Restricted Stock Awards</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 90pt; text-indent: -18pt">(a) For purposes of this Section 8,
the following definitions shall apply-</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 108pt">(1) &ldquo;Disability&rdquo; shall mean
(i) the inability of a Participant to engage in any substantial gainful activity by reason of any medically determinable physical
or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than
12 months, or (ii) if the Participant is, by reason of any medically determinable physical or mental impairment which can be expected
to result in death or can be expected to last for a continuous period of not less than 12 months, receiving income replacement
benefits for a period of not less than 3 months under an accident and health plan covering employees of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 108pt">(2) &ldquo;Unforeseeable emergency&rdquo;
shall mean a severe financial hardship to the Participant resulting from an illness or accident of the Participant, the Participant&rsquo;s
spouse, or a dependent (as defined in Code section 152(a)) of the Participant, loss of the Participant&rsquo;s property due to
casualty, or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the
Participant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 9. Extension</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">The Board may, in its sole discretion, extend
the dates during which all or any particular Option or Options granted under the Plan may be exercised; provided, however, that
no such extension shall be permitted if it would cause Non-Qualified Stock Options or Incentive Stock Options issued under the
Plan to fail to comply with Section 409A or 422 of the Code. An election to defer the lapse of restrictions on a Restricted Stock
Award shall not take effect until at least 12 months after the date on which the election is made and in the event that an election
to defer the lapse of restrictions is made other than in the event of death, disability or the occurrence of an unforeseeable emergency,
payment of such award must be deferred for a period of not less than 5 years from the date that restrictions would have otherwise
lapsed.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 10. General Provisions Applicable to Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) Each Award under the Plan shall be evidenced
by a writing delivered to the Participant specifying the terms and conditions thereof and containing such other terms and conditions
not inconsistent with the provisions of the Plan as the Board considers necessary or advisable to achieve the purposes of the Plan
or comply with applicable tax and regulatory laws and accounting principles.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) Each Award may be granted alone, in addition
to or in relation to any other Award . The terms of each Award need not be identical, and the Board need not treat Participants
uniformly. Except as otherwise provided by the Plan or a particular Award, any determination with respect to an Award may be made
by the Board at the time of grant or at any time thereafter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) In the event of a consolidation, reorganization,
merger or sale of all or substantially all of the assets of the Bank, in each case in which outstanding shares of Common Stock
are exchanged for securities, cash or other property of any other corporation or business entity or in the event of a liquidation
of the Bank, the Board will provide for any one or more of the following actions, as to outstanding Awards: (i) provide that such
Awards shall be assumed, or equivalent Awards shall be substituted, by the acquiring or succeeding corporation (or an affiliate
thereof), provided that any options substituted for Incentive Stock Options shall meet the requirements of Section 424(a) of the
Code, (ii) upon written notice to the Participants, provide that all unexercised Options will terminate immediately prior to the
consummation of such transaction unless exercised (to the extent then exercisable) by the Participant within a specified period
following the date of such notice, (iii) in the event of a merger under the terms of which holders of the Common Stock of the Bank
will receive upon consummation thereof a cash payment for each share surrendered in the merger (the &ldquo;Merger Price&rdquo;),
make or provide for a cash payment to the Participants equal to the difference between (A) the Merger Price times the number of
shares of Common Stock subject to outstanding Options (to the extent then exercisable at prices not in excess of the Merger Price)
and (B) the aggregate exercise price of all such outstanding Options in exchange for the termination of such Options, or (iv) provide
that all or any outstanding Awards shall become exercisable in full, or that the restrictions on such Awards shall lapse, immediately
prior to such event.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) For purposes of the Plan, the following events
shall not be deemed a termination of service of a Participant:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 72pt; text-indent: 36pt">  (i) a transfer to the employment of the Bank from a subsidiary or from the Bank to a subsidiary, or from one subsidiary to another, or</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 72pt; text-indent: 36pt">  (ii) an approved leave of absence for military service or sickness, or for any other purpose approved by the Bank, if the Participant&rsquo;s right to reemployment is guaranteed either by a statute or by contract or under the policy pursuant to which the leave of absence was granted or if the Board otherwise so</P>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">provides in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(e) The Board may at any time, and from time
to time, amend, modify or terminate the Plan or any outstanding Award held by a Participant, including substituting therefore another
Award of the same or a different type or changing the date of exercise or realization, provided that the Participant&rsquo;s consent
to each action shall be required unless the Board determines that the action, taking into account any related action, would not
materially and adversely affect the Participant, and further provided that no amendment increasing the number of shares subject
to the Plan or decreasing the exercise price for any Option provided for under the Plan may be effectuated without the approval
of the shareholders of the Bank; provided, however, that no such amendment or modification will be effective if such amendment
or modification would cause the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any successor or replacement
regulation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(f) The Board may, in its sole discretion, terminate
the Plan (in whole or in part) with respect to one or more Participants and distribute to such affected Participants their vested
interest in any Restricted Stock award in a lump sum as soon as reasonably practicable following such termination, but if, and
only if, (i) all nonqualified defined contribution deferred compensation plans maintained by the Bank and its Affiliates are terminated,
(ii) no payments other than payments that would be payable under the terms of the Plan if the termination had not occurred are
made within 12 months of the termination of the Plan, (iii) all payments of the vested interest in Restricted Stock awards are
made within 24 months of the termination of the Plan, and (iv) the Bank acknowledges to the Participants that it will not adopt
any new nonqualified defined contribution deferred compensation plans at any time within five (5) years following the date of the
termination of the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 11. Miscellaneous</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(a) No person shall have any claim or right to
be granted an Award, and the grant of an Award shall not be construed as giving a Participant the right to continued employment
or service on the Bank&rsquo;s Board. The Bank expressly reserves the right at any time to dismiss a Participant free from any
liability or claim under the Plan, except as expressly provided in the applicable Award.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(b) Nothing contained in the Plan shall prevent
the Bank from adopting other or additional compensation arrangements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(c) Subject to the provisions of the applicable
Award, no Participant shall have any rights as a shareholder (including, without limitation, any rights to receive dividends, or
non-cash distributions with respect to such shares) with respect to any shares of Common Stock to be distributed under the Plan
until he or she becomes the holder thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(d) Notwithstanding anything to the contrary
expressed in this Plan, any</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">provisions hereof that vary from or conflict with any applicable
Federal or State securities laws (including any regulations promulgated thereunder) shall be deemed to be modified to conform to
and comply with such laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(e) No member of the Board shall be liable for
any action or determination taken or granted in good faith with respect to this Plan nor shall any member of the Board be liable
for any agreement issued pursuant to this Plan or any grants under it. Each member of the Board shall be indemnified by the Bank
against any losses incurred in such administration of the Plan, unless his action constitutes serious and willful misconduct.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(f) This Plan shall become effective upon its
approval by the holders of two-thirds (2/3) of the Common Stock of the Bank entitled to vote and the approval of the Plan by the
Commissioner of the Department of Banking and Insurance pursuant to Section 27.51 of the Banking Act of 1948, as amended. Prior
to such approval, Awards may be granted under the Plan expressly subject to such approval.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(g) Awards may not be granted under the Plan
more than ten (10) years after approval of the Plan by the Bank&rsquo;s Shareholders, but then outstanding Awards may extend beyond
such date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(h) To the extent that State laws shall not have
been preempted by any laws of the United States, the Plan shall be construed, regulated, interpreted and administered according
to the other laws of the State of New Jersey.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 72pt">(i) A Participant in the Plan shall have no
right to receive payment (in any form) with respect to his or her restricted Stock award until legal and contractual obligations
of the Bank relating to establishment of the Plan and the making of such payments shall have been complied with in full. In addition,
the Bank shall impose such restrictions on stock delivered to a Participant hereunder and any other interest constituting a security
as it may deem advisable in order to comply with the Securities Act of 1933, as amended, the requirements of any stock exchange
or automated quotation system upon which the stock is then listed or quoted, any applicable state securities laws, any provision
of the Bank&rsquo;s certificate of incorporation or bylaws, or any other law, regulation, or binding contract to which the Bank
is a party.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.4</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2008 EQUITY COMPENSATION PLAN</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. Purpose</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: 72pt">The North Jersey Community
Bank 2008 Equity Compensation Plan (the &ldquo;Plan&rdquo;) is hereby established to foster and promote the long-term success of
North Jersey Community Bank (the &ldquo;Bank&rdquo;) and its shareholders by providing members of management, including employees
and management officials, with an equity interest in the Bank. The Plan will assist the Bank in attracting and retaining the highest
quality of experienced persons to serve as employees and Directors and in aligning the interests of such persons more closely with
the interests of the Bank&rsquo;s shareholders by encouraging such parties to maintain an equity interest in the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 2. Definitions</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: 72pt">Capitalized terms not
specifically defined elsewhere herein shall have the following meaning:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Act&rdquo; means
the Securities Exchange Act of 1934, as amended from time to time, and any rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Award&rdquo;
means the grant of Options or a Restricted Stock Award hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Bank&rdquo; means
North Jersey Community Bank and any present or future subsidiary or parent corporations of North Jersey Community Bank (as defined
in Section 424 of the Code) or any successor to such corporations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Board&rdquo;
means the Board of Directors of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Code&rdquo; means
the Internal Revenue Code of 1986, as amended from time to time, and the regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Common Stock&rdquo;
or &ldquo;Stock&rdquo; means the common stock, $5.00 per share par value, of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Disability&rdquo;
shall mean the Participant&rsquo;s inability for a period of three (3) consecutive months, or for six (6) months during any twelve
(12) month period, to perform the requirements of the Participant&rsquo;s position with the Bank due to physical or mental impairment;
provided, however, with respect to a Participant who has been granted an Incentive Stock Option such term shall have the meaning
set forth in Section 422(c)(6) of the Code. For purposes of Restricted Stock Awards under Section 8, &ldquo;Disability&rdquo; shall
be as defined in Section 8.3(a)(1). The determination of whether a Disability exists will be made by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Fair Market Value&rdquo;
means, with respect to shares of Common Stock, the fair market value as determined by the Board in good faith and in a manner established
by the Board</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">from time to time, taking into account
such factors as the Board shall deem relevant, including the book value of the Common Stock and, to the extent there is an established
trading market for the Common Stock, the market value of the Common 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: 72pt">&ldquo;Incentive Stock
Option&rdquo; means an option to purchase shares of Common Stock granted to a Participant under the Plan which is intended to meet
the requirements of Section 422 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Management Official&rdquo;
means an employee of the Bank, a non-employee member of the Board, a member of any advisory Board or any other service provider
to the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Non-Qualified
Stock Option&rdquo; means an option to purchase shares of Common Stock granted to a Participant under the Plan which is not intended
to be an Incentive Stock Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Option&rdquo;
means an Incentive Stock Option or a Non-Qualified Stock Option granted hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Participant&rdquo;
means a Management Official selected by the Board to receive an Option or Restricted Stock Award under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Plan&rdquo; means
the North Jersey Community Bank 2008 Equity Compensation Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Restricted Stock
Award&rdquo; means a grant of shares of Common Stock pursuant to Section 8 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Termination for
Cause&rdquo; means termination because of Participant&rsquo;s intentional failure to perform stated duties, personal dishonesty,
willful violation of any law, rule regulation (other than traffic violations or similar offenses) or final cease and desist order
issued by any regulatory agency having jurisdiction over the Participant or the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 3. Administration</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: 72pt">(a) The Plan shall be
administered by the Board. Among other things, the Board shall have authority, subject to the terms of the Plan, to grant Awards,
to determine the type of Award granted, to determine the individuals to whom and the time or times at which Awards may be granted,
to determine whether Options are to be Incentive Options or Non-Qualified Stock Options (subject to the requirements of the Code,
which provide that only employees may receive Incentive Options and subject to the limitation contained in Section 5 regarding
the number of Non-Qualified Stock Options which may be granted), to determine the terms and conditions of any Award granted hereunder,
including whether to impose any vesting period, and if the Award is an Option, the exercise price thereof, subject to the requirements
of this Plan.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) Subject to the other
provisions of the Plan, the Board shall have authority to adopt, amend, alter and repeal such administrative rules, guidelines
and practices governing the operation of the Plan as it shall from time to time consider advisable, to interpret the provisions
of the Plan and any Award and to decide all disputes arising in connection with the Plan. The Board may correct any defect or supply
any omission or reconcile any inconsistency in the Plan or in any grant agreement in the manner and to the extent it shall deem
appropriate to carry the Plan into effect, in its sole and absolute discretion. The Board&rsquo;s decision and interpretations
shall be final and binding. Any action of the Board with respect to the administration of the Plan shall be taken pursuant to a
majority vote or by the unanimous written consent of its members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) The Board may employ
such legal counsel, consultants and agents as it may deem desirable for the administration of the Plan and may rely upon any opinion
received from any such counsel or consultant and any computation received from any such consultant or agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 4. Eligibility and Participation</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: 72pt">Management Officials
of the Bank shall be eligible to participate in the Plan. The Participants under the Plan shall be selected from time to time by
the Board, in its sole discretion, from among those eligible, and the Board shall determine in its sole discretion the numbers
of shares to be covered by the Award or Awards granted to each Participant. Options intended to qualify as Incentive Stock Options
shall be granted only to persons who are eligible to receive such options under Section 422 of the Code; i.e., employees of the
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 5. Shares of Stock Available
for Options</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: 72pt">(a) The maximum number
of shares of Common Stock which may be issued under the Plan is 108,099 subject to the adjustments as provided in this Section
5 and Section 10, to the extent applicable. Of this amount, the maximum number of shares which may be purchased pursuant to Non-Qualified
Options or Restricted Stock Awards granted to Participants who are not employees of the Bank shall be 72,066, subject to the adjustments
provided for in this Section 5 and Section 10. If an Award granted under this Plan expires or terminates before exercise or is
forfeited for any reason, without a payment in the form of Common Stock being granted to the Participant, the shares of Common
Stock subject to such Award, to the extent of such expiration, termination or forfeiture, shall again be available for subsequent
Award grant under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) In the event that
any stock dividend, stock split, reverse stock split or combination, extraordinary cash dividend, creation of a class of equity
securities, recapitalization, reclassification, reorganization, merger, consolidation, split-up, spin-off, combination, exchange
of shares, warrants or rights offering to purchase Common Stock at a price substantially below Fair Market Value, or other similar
transaction affects the Common</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Stock such that an adjustment is required
in order to preserve the benefits or potential benefits intended to be granted or made available under the Plan to Participants,
the Board shall proportionately and appropriately adjust equitably any or all of (i) the maximum number and kind of shares of Common
Stock in respect of which Awards may be granted under the Plan to Participants, (ii) the number and kind of shares of Common Stock
subject to outstanding Options held by Participants, and (iii) the exercise price with respect to any Options held by Participants,
without changing the aggregate purchase price as to which such Options remain exercisable, and if considered appropriate, the Board
may make provision for a cash payment with respect to any outstanding Options held by a Participant, provided that no adjustment
shall be made pursuant to this Section if such adjustment would cause the Plan to fail to comply with Section 422 of the Code with
regard to any Incentive Stock Options granted hereunder or fail to comply with the requirements of Rule 16b-3 under the Act or
any successor or replacement regulation. No fractional Shares shall be issued on account of any such adjustment.</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: 72pt">(c) Any adjustments
under this Section will be made by the Board, whose determination as to what adjustments, will be made and the extent thereof will
be final, binding and conclusive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 6. Non-Qualified Stock Options</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: 72pt">6.1 <U>Grant of Non-Qualified
Stock Options</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Subject to the provisions
hereof, the Board may, from time to time, grant Non-Qualified Stock Options to Participants upon such terms and conditions as the
Board may determine, and may grant Non-Qualified Stock Options in exchange for and upon surrender of previously granted Options
under this Plan. Non-Qualified Stock Options granted under this Plan are subject to the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) <U>Price</U>. The
purchase price per share of Common Stock deliverable upon the exercise of each Non-Qualified Stock Option shall be determined by
the Board on the date the option is granted. The purchase price shall not be less than one hundred percent (100%) of the Fair Market
Value of the Common Stock on the date of grant or the par value of the Common Stock, whichever is greater. Shares may be purchased
only upon full payment of the purchase price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) <U>Terms of Options</U>.
The term during which each Non-Qualified Stock Option may be exercised shall be determined by the Board, but in no event shall
a Non-Qualified Stock Option be exercisable in whole or in part more than ten (10) years from the date of grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) <U>Termination of
Service</U>. Except as provided herein, unless otherwise determined by the Board, upon the termination of the service of a Participant
who is not an employee for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified
Stock Options shall be exercisable only as to those shares which were immediately exercisable by the participant at the date of
termination and only for one (1) year</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">from the date of such termination. In the
event of death or termination of service of a Participant who is not an employee as a result of Disability of the Participant,
all Non-Qualified Stock Options held by the Participant, whether or not exercisable at such time, shall be exercisable by the Participant
or his legal representatives, or beneficiaries of the Participant for one (1) year from the date of such termination. Upon the
termination of the service of a Participant who is a common law employee of the Bank for any reason other than Disability, death
or Termination for Cause, the Participant&rsquo;s Non-Qualified Stock Options shall be exercised only as to those shares which
were immediately exercisable by the Participant at the date of termination and only for a period of three (3) months following
termination. In the event of death or termination of service of a Participant who is a common law employee of the Bank as a result
of Disability of any such Participant, all Non-Qualified Stock Options held by such Participant, whether or not exercisable at
such time, shall be exercisable by the Participant or his legal representatives or beneficiaries of the Participant for one (1)
year or such longer period as is determined by the Board following the date of the Participant&rsquo;s death or termination of
service due to Disability, provided that in no event shall the period extend beyond the expiration of the Non-Qualified Stock Option
term. Notwithstanding any other provisions set forth herein to the contrary nor any provision contained in any agreement relating
to the award of an option, in the event of a Termination for Cause, all of the Participant&rsquo;s Non-Qualified Stock Options
shall immediately expire upon such Termination for Cause and shall not be exercisable, regardless of whether such Non-Qualified
Stock Options were vested.</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: 72pt">(d) <U>Transferability</U>.
Except as provided for hereunder, no Option granted under the Plan shall be assignable or transferable by a Participant, and any
attempted disposition thereof shall be null and void and of no effect. A Participant may transfer or assign an Option granted hereunder
to an immediate family member or trust or benefit plan or similar investment vehicle established for the Participant or an immediate
family member. For purposes of this provision, the term &ldquo;immediate family member&rdquo; means a Participant&rsquo;s spouse,
parents and offspring. Nothing contained herein shall be deemed to prevent transfers by will or by the applicable laws of descent
and distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 7. Incentive Stock Options</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: 72pt">7.1 <U>Grant of Incentive
Stock Options</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The Board may, from
time to time, grant Incentive Stock Options to Management Officials who are employees of the Bank. Incentive Stock Options granted
pursuant to the Plan shall be subject to the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) <U>Price</U>. The
purchase price per share of Common Stock deliverable upon the exercise of each Incentive Stock Option shall be not less than one
hundred percent (100%) of the Fair Market Value of the Common Stock on the date of grant or the par value of the Common Stock,
whichever is higher. However, if a Participant owns stock possessing more than ten percent (10%) of the total combined voting power
of all classes of Common Stock, the purchase price per share of Common Stock deliverable upon the exercise of each Incentive Stock
Option</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">shall not be less than one hundred ten
percent (110%) of the Fair Market Value of the Common Stock on the date of grant or the par value of the Common Stock, whichever
is greater. Shares may be purchased only upon payment of the full purchase 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: 72pt">(b) <U>Amounts of Options</U>.
Incentive Stock Options may be granted to any Management Official who is an employee of the Bank in such amounts as determined
by the Board. In the case of an option intended to qualify as an Incentive Stock Option, the aggregate Fair Market Value (determined
as of the time the option first becomes exercisable) of the Common Stock with respect to which Incentive Stock Options granted
are exercisable for the first time by the Participant during any calendar year shall not exceed $100,000. The provisions of this
Section 7.1(b) shall be construed and applied in accordance with Section 422(d) of the Code and the regulations, if any, promulgated
thereunder. To the extent an award is in excess of such limit, it shall be deemed a Non-Qualified Stock Option. The Board shall
have discretion to redesignate options granted as Incentive Stock Options as Non-Qualified Options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) <U>Terms of Options</U>.
The term during which each Incentive Stock Option may be exercised shall be determined by the Board, but in no event shall an Incentive
Stock Option be exercisable in whole or in part more than ten (10) years from the date of grant. If at the time an Incentive Stock
Option is granted to an employee, the employee owns Common Stock representing more than ten percent (10%) of the total combined
voting power of the Bank (or, under Section 422(d) of the Code, is deemed to own Common Stock representing more than ten percent
(10%) of the total combined voting power of all such classes of Common Stock, by reason of the ownership of such classes of Common
Stock, directly or indirectly, by or for any brother, sister, spouse, ancestor or lineal descendent of such employee, or by or
for any corporation, partnership, estate or trust of which such employee is a shareholder, partner or beneficiary), the Incentive
Stock Option granted to such employee shall not be exercisable after the expiration of five (5) years from the date of grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(d) <U>Termination of
Service</U>. Except as provided in Section 7.1(e) hereof, upon the termination of a Participant&rsquo;s service for any reason
other than Disability, death or Termination for Cause, the Participant&rsquo;s Incentive Stock Options which are then exercisable
at the date of termination may only be exercised by the Participant for a period of three (3) months following termination. Notwithstanding
any provisions set forth herein nor contained in any Agreement relating to an award of an Option, in the event of Termination for
Cause all rights under the Participant&rsquo;s Incentive Stock Options shall expire immediately upon termination, and such Incentive
Stock Options shall not be exercisable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">Unless otherwise determined
by the Board, in the event of death or termination of service as a result of Disability of any Participant, all Incentive Stock
Options held by such Participant, whether or not exercisable at such time, shall be exercisable by the Participant or the Participant&rsquo;s
legal representatives or beneficiaries of the Participant for one (1) year following the date of the participant&rsquo;s death
or termination of employment as a result of Disability. In no event shall the exercise period extend beyond the expiration of the
Incentive Stock Option term.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(e) <U>Transferability</U>.
No Incentive Option granted under the Plan shall be assignable or transferable by a Participant, except pursuant to the laws of
descent and distribution, and any attempted distribution shall be null and void and of no effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(f) <U>Compliance with
Code</U>. The options granted under this Section 7 of the Plan are intended to qualify as incentive stock options within the meaning
of Section 422 of the Code, but the Bank makes no warranty as to the qualification of any option as an incentive stock option within
the meaning of Section 422 of the Code. A Participant shall notify the Board in writing in the event that he disposes of Common
Stock acquired upon exercise of an Incentive Stock Option within the two-year period following the date the Incentive Stock Option
was granted or within the one-year period following the date he received Common Stock upon the exercise of an Incentive Stock Option
and shall comply with any other requirements imposed by the Bank in order to enable the Bank to secure the related income tax deduction
to which it will be entitled in such event under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Section 8. Restricted Stock</P>

<P STYLE="font: bold 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: 72pt"> 8.1 <U>Grant of Restricted Stock Awards</U></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) <U>Grants</U>. The
Board may grant Restricted Stock Awards entitling recipients to acquire shares of Common Stock, subject to the right of the Bank
to require forfeiture of such shares from the Participant in the event that conditions specified by the Board in the applicable
Restricted Stock Award are not satisfied prior to the end of the applicable restriction period or periods established by the Board
for such Restricted Award. During the restricted period, shares constituting a Restricted Stock Award may not be transferred, although
a Participant shall be entitled to exercise other indicia of ownership, including the right to vote such shares and receive any
dividends declared on such shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) <U>Terms and
Conditions</U>. Subject to Section 8.2, the Board shall determine the terms and conditions of any such Restricted Stock Award,
including the conditions for forfeiture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) <U>Stock Certificates</U>.
The Bank may cause shares issued as part of a Restricted Stock Award to be issued in either book entry form or certificated form.
Shares issued in book entry form will be maintained in an account at the Bank&rsquo;s transfer agent, and only released to a Participant
upon satisfaction of any required restrictions. Any stock certificates issued in respect of a Restricted Stock Award shall be registered
in the name of the Participant and, unless otherwise determined by the Board, deposited by the Participant, together with a stock
power endorsed in blank, with the Bank (or its designee). At the expiration of the applicable restriction periods, the Bank (or
such designee) shall deliver the certificates no longer subject to such restrictions to the Participant or if the Participant has
died, to the beneficiary designated, in a manner determined by the Board, by a Participant to receive amounts due or exercise rights
of the Participant in the event of the Participant&rsquo;s death (the &ldquo;Designated</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Beneficiary&rdquo;). In the absence of an effective designation
by a Participant, Designated Beneficiary shall mean the Participant&rsquo;s estate.</P>

<P STYLE="font: 10pt Courier New, Courier, Monospace; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">8.2 <U>Distribution
of Restricted Stock Awards</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Courier New, Courier, Monospace; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 72pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">
(a) Restricted Stock Awards shall not be distributed and the restrictions pertaining to such award shall not expire earlier
than &ndash; </FONT></P>

<P STYLE="font: 10pt Courier New, Courier, Monospace; margin: 0pt 0 0pt 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">(1) upon the completion or
satisfaction of the conditions specified by the Board in the Award;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">(2) a Participant&rsquo;s separation
from service;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">(3) the
date a Participant becomes disabled (as defined in Section 8.3(b));</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">(4) upon
the death of a Participant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">(5) a change in the ownership
or effective control of the Bank, or in the ownership of a substantial portion of the assets of the Bank, as described in Section
10(c) or, if in conflict therewith, to the extent necessary, by the Secretary of Treasury under regulations issued under Code section
409A; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 108pt">(6) upon
the occurrence of an unforeseeable emergency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 72pt">(b) A payment
of a Participant&rsquo;s vested interest in a Restricted Stock Award may, in the discretion of the Board, be made in the event
of a Participant&rsquo;s Disability, upon the occurrence of a Change-in-Control (as defined in the Grant Agreement evidencing any
Award) or Unforeseeable Emergency. Payments in settlement of a Participant&rsquo;s vested interest in a Restricted Stock Award
shall be made as soon as practicable after such occurrence or after the Participant otherwise vests in such award. For the purposes
of section 409A of the Code, the entitlement to a series of installment payments will be treated as the entitlement to a single
payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) Other provisions of the Plan notwithstanding,
if, upon the written application of a Participant, the Board determines that the Participant has an unforeseeable emergency (as
defined in Section 8.3(b)), the Board may, in its sole discretion, direct the payment to the Participant of all or a portion of
the balance of his or her vested interest in a Restricted Stock Award in a lump sum payment, provided that any such withdrawal
shall be limited by the Board to the amount reasonably necessary to meet the emergency, including amounts needed to pay any income
taxes or penalties reasonably anticipated to result from the payment. No payment may be made to the extent that such emergency
is or may be relieved</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">through reimbursement or compensation from
insurance or otherwise, by liquidation of the Participant&rsquo;s assets or to the extent the liquidation of such assets would
not cause severe financial hardship.</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: 72pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">(d)</FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif">The
Board may not otherwise permit the acceleration of the time or schedule of any vesting of a Restricted Stock award scheduled to
be paid pursuant to the Plan, unless such acceleration of the time or schedule is (i) necessary to fulfill a domestic relations
order (as defined in section 414(p)(1)(B) of the Code) or to comply with a certificate of divestiture (as defined in section 1043(b)(2)
of the Code), (ii) de minimis in nature (as defined in regulations promulgated under section 409A of the Code), (iii) to be used
for the payment of FICA taxes on amounts deferred under the Plan, or (iv) equal to amounts included in the federal personal taxable
income of the Participant under section 409A of the Code.</FONT></P>

<P STYLE="font: 10pt Courier New, Courier, Monospace; 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: 72pt">8.3 <U>Definitions for Restricted Stock
Awards</U></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: 72pt">(a) For purposes of this Section 8,
the following definitions shall apply-</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 72pt">(1) &ldquo;Disability&rdquo; shall mean
(i) the inability of a Participant to engage in any substantial gainful activity by reason of any medically determinable physical
or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than
twelve (12) months, or (ii) if the Participant is, by reason of any medically determinable physical or mental impairment which
can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months, receiving
income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees
of the Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 72pt">(2) &ldquo;Unforeseeable emergency&rdquo;
shall mean a severe financial hardship to the Participant resulting from an illness or accident of the Participant, the Participant&rsquo;s
spouse, or a dependent (as defined in Code section 152(a)) of the Participant, loss of the Participant&rsquo;s property due to
casualty, or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the
Participant.</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>Section 9. Extension</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: 72pt">The Board may, in its
sole discretion, extend the dates during which all or any particular Option or Options granted under the Plan may be exercised;
provided, however, that no such extension shall be permitted if it would cause Non-Qualified Stock Options or Incentive Stock Options
issued under the Plan to fail to comply with Section 409A or 422 of the Code. An election to defer the lapse of restrictions on
a Restricted Stock Award shall not take effect until at least twelve (12) months after the date on which the election is made and
in the event that an election to defer the lapse of restrictions is made other than in the event of death, disability or the occurrence
of an unforeseeable emergency, payment of such award must be deferred for a period</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">of not less than five (5) years from the
date that restrictions would have otherwise lapsed.</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>Section 10. General Provisions Applicable
to Options</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: 72pt">(a) Each Award under
the Plan shall be evidenced by a writing delivered to the Participant specifying the terms and conditions thereof and containing
such other terms and conditions not inconsistent with the provisions of the Plan as the Board considers necessary or advisable
to achieve the purposes of the Plan or comply with applicable tax and regulatory laws and accounting principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) Each Award may be
granted alone, in addition to or in relation to any other Award. The terms of each Award need not be identical, and the Board need
not treat Participants uniformly. Except as otherwise provided by the Plan or a particular Award, any determination with respect
to an Award may be made by the Board at the time of grant or at any time thereafter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) In the event of
a consolidation, reorganization, merger or sale of all or substantially all of the assets of the Bank, in each case in which outstanding
shares of Common Stock are exchanged for securities, cash or other property of any other corporation or business entity or in the
event of a liquidation of the Bank, the Board will provide for any one or more of the following actions, as to outstanding Awards:
(i) provide that such Awards shall be assumed, or equivalent Awards shall be substituted, by the acquiring or succeeding corporation
(or an affiliate thereof), provided that any options substituted for Incentive Stock Options shall meet the requirements of Section
424(a) of the Code, (ii) upon written notice to the Participants, provide that all unexercised Options will terminate immediately
prior to the consummation of such transaction unless exercised (to the extent then exercisable) by the Participant within a specified
period following the date of such notice, (iii) in the event of a merger under the terms of which holders of the Common Stock of
the Bank will receive upon consummation thereof a cash payment for each share surrendered in the merger (the &ldquo;Merger Price&rdquo;),
make or provide for a cash payment to the Participants equal to the difference between (A) the Merger Price times the number of
shares of Common Stock subject to outstanding Options (to the extent then exercisable at prices not in excess of the Merger Price)
and (B) the aggregate exercise price of all such outstanding Options in exchange for the termination of such Options, or (iv) provide
that all or any outstanding Awards shall become exercisable in full, or that the restrictions on such Awards shall lapse, immediately
prior to such event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(d) For purposes of
the Plan, the following events shall not be deemed a termination of service of a Participant:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 72pt"></TD><TD STYLE="text-align: justify; text-indent: 36pt">(i) a transfer to the employment of the Bank from a subsidiary or from the Bank to a subsidiary,
or from one subsidiary to another, or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 72pt"></TD><TD STYLE="text-align: justify; text-indent: 36pt">(ii) an approved leave of absence for military service or sickness, or for any other purpose approved
by the Bank, if the Participant&rsquo;s right to</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify">reemployment is guaranteed either
by a statute or by contract or under the policy pursuant to which the leave of absence was granted or if the Board otherwise so
provides in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(e) The Board may at
any time, and from time to time, amend, modify or terminate the Plan or any outstanding Award held by a Participant, including
substituting therefore another Award of the same or a different type or changing the date of exercise or realization, provided
that the Participant&rsquo;s consent to each action shall be required unless the Board determines that the action, taking into
account any related action, would not materially and adversely affect the Participant, and further provided that no amendment increasing
the number of shares subject to the Plan or decreasing the exercise price for any Option provided for under the Plan may be effectuated
without the approval of the shareholders of the Bank; provided, however, that no such amendment or modification will be effective
if such amendment or modification would cause the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any
successor or replacement regulation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(f) The Board may, in
its sole discretion, terminate the Plan (in whole or in part) with respect to one or more Participants and distribute to such affected
Participants their vested interest in any Restricted Stock award in a lump sum as soon as reasonably practicable following such
termination, but if, and only if, (i) all nonqualified defined contribution deferred compensation plans maintained by the Bank
and its Affiliates are terminated, (ii) no payments other than payments that would be payable under the terms of the Plan if the
termination had not occurred are made within twelve (12) months of the termination of the Plan, (iii) all payments of the vested
interest in Restricted Stock awards are made within twenty-four (24) months of the termination of the Plan, and (iv) the Bank acknowledges
to the Participants that it will not adopt any new nonqualified defined contribution deferred compensation plans at any time within
five (5) years following the date of the termination of the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 11. Miscellaneous</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: 72pt">(a) No person shall
have any claim or right to be granted an Award, and the grant of an Award shall not be construed as giving a Participant the right
to continued employment or service on the Bank&rsquo;s Board. The Bank expressly reserves the right at any time to dismiss a Participant
free from any liability or claim under the Plan, except as expressly provided in the applicable Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) Nothing contained
in the Plan shall prevent the Bank from adopting other or additional compensation arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) Subject to the provisions
of the applicable Award, no Participant shall have any rights as a shareholder (including, without limitation, any rights to receive
dividends, or non-cash distributions with respect to such shares) with respect to any shares of Common Stock to be distributed
under the Plan until he or she becomes the holder thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(d) Notwithstanding
anything to the contrary expressed in this Plan, any provisions hereof that vary from or conflict with any applicable Federal or
State securities laws (including any regulations promulgated thereunder) shall be deemed to be modified to conform to and comply
with such laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(e) No member of the
Board shall be liable for any action or determination taken or granted in good faith with respect to this Plan nor shall any member
of the Board be liable for any agreement issued pursuant to this Plan or any grants under it. Each member of the Board shall be
indemnified by the Bank against any losses incurred in such administration of the Plan, unless his action constitutes serious and
willful misconduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(f) This Plan shall
become effective upon its approval by the holders of two-thirds (2/3) of the Common Stock of the Bank entitled to vote and the
approval of the Plan by the Commissioner of the Department of Banking and Insurance pursuant to Section 27.51 of the Banking Act
of 1948, as amended. Prior to such approval, Awards may be granted under the Plan expressly subject to such approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(g) Awards may not be
granted under the Plan more than ten (10) years after approval of the Plan by the Bank&rsquo;s Shareholders, but then outstanding
Awards may extend beyond such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(h) To the extent that
State laws shall not have been preempted by any laws of the United States, the Plan shall be construed, regulated, interpreted
and administered according to the other laws of the State of New Jersey.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(i) A Participant in
the Plan shall have no right to receive payment (in any form) with respect to his or her restricted Stock award until legal and
contractual obligations of the Bank relating to establishment of the Plan and the making of such payments shall have been complied
with in full. In addition, the Bank shall impose such restrictions on stock delivered to a Participant hereunder and any other
interest constituting a security as it may deem advisable in order to comply with the Securities Act of 1933, as amended, the requirements
of any stock exchange or automated quotation system upon which the stock is then listed or quoted, any applicable state securities
laws, any provision of the Bank&rsquo;s certificate of incorporation or bylaws, or any other law, regulation, or binding contract
to which the Bank is a party.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.5</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2009 EQUITY COMPENSATION PLAN </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. Purpose</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: 1in">The North Jersey Community
Bancorp 2009 Equity Compensation Plan (the &ldquo;Plan&rdquo;) is hereby established to foster and promote the long-term success
of North Jersey Community Bancorp, Inc. (the &ldquo;Company&rdquo;) and its shareholders by providing members of management, including
employees and management officials, with an equity interest in the Company. The Plan will assist the Company in attracting and
retaining the highest quality of experienced persons to serve as management officials and in aligning the interests of such persons
more closely with the interests of the Company&rsquo;s shareholders by encouraging such parties to maintain an equity interest in the
Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 2. Definitions</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: 1in">Capitalized terms not
specifically defined elsewhere herein shall have the following meaning:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Act&rdquo; means
the Securities Exchange Act of 1934, as amended from time to time, and any rules and regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Award&rdquo;
means the grant of Options or a Restricted Stock Award hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Board&rdquo; means
the Board of Directors of the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Code&rdquo; means
the Internal Revenue Code of 1986, as amended from time to time, and the regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Common Stock&rdquo;
or &ldquo;Stock&rdquo; means the common stock, no par value, of the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Company&rdquo;
means North Jersey Community Bancorp, Inc. and any present or future subsidiary or parent corporations of the Company (as defined
in Section 424 of the Code) or any successor to such corporations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Disability&rdquo;
shall mean the Participant&rsquo;s inability for a period of three (3) consecutive months, or for six (6) months during any twelve
(12) month period, to perform the requirements of the Participant&rsquo;s position with the Company due to physical or mental
impairment. For purposes of Restricted Stock Awards under Section 8, &ldquo;Disability&rdquo; shall be as defined in Section 8.3(a)(1).
The determination of whether a Disability exists will be made by the Board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Fair Market Value&rdquo;
means, with respect to shares of Common Stock, the fair market value as determined by the Board in good faith and in a manner
established by the Board</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">from time to time, taking into account
such factors as the Board shall deem relevant, including the book value of the Common Stock and, to the extent there is an established
trading market for the Common Stock, the market value of the Common Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Management Official&rdquo;
means an employee of the Company, a non-employee member of the Board, a member of any advisory Board or any other service provider
to the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Non-Qualified
Stock Option&rdquo; means an option to purchase shares of Common Stock granted to a Participant under the Plan which is not intended
to satisfy the requirements of Section 422 of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Option&rdquo; means
a Non-Qualified Stock Option granted hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Participant&rdquo;
means a Management Official selected by the Board to receive an Option or Restricted Stock Award under the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Plan&rdquo; means
the North Jersey Community Bancorp 2009 Equity Compensation Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Restricted Stock
Award&rdquo; means a grant of shares of Common Stock pursuant to Section 8 hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&ldquo;Termination for
Cause&rdquo; means termination because of Participant&rsquo;s intentional failure to perform stated duties, personal dishonesty, willful
violation of any law, rule regulation (other than traffic violations or similar offenses) or final cease and desist order issued
by any regulatory agency having jurisdiction over the Participant or the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 3. Administration</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: 1in">(a) The Plan shall be
administered by the Board. Among other things, the Board shall have authority, subject to the terms of the Plan, to grant Awards,
to determine the type of Award granted, to determine the individuals to whom and the time or times at which Awards may be granted,
to determine the terms and conditions of any Award granted hereunder, including whether to impose any vesting period, and if the
Award is an Option, the exercise price thereof, subject to the requirements of this Plan.</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: 1in">(b) Subject to the other
provisions of the Plan, the Board shall have authority to adopt, amend, alter and repeal such administrative rules, guidelines
and practices governing the operation of the Plan as it shall from time to time consider advisable, to interpret the provisions
of the Plan and any Award and to decide all disputes arising in connection with the Plan. The Board may correct any defect or
supply any omission or reconcile any inconsistency in the Plan or in any grant agreement in the manner and to the extent it shall
deem appropriate to carry the Plan into effect, in its sole and absolute discretion. The Board&rsquo;s decision and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">interpretations shall be final and binding.
Any action of the Board with respect to the administration of the Plan shall be taken pursuant to a majority vote or by the unanimous
written consent of its members.</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: 72pt">(c) The Board may employ such legal counsel,
consultants and agents as it may deem desirable for the administration of the Plan and may rely upon any opinion received from
any such counsel or consultant and any computation received from any such consultant or agent.</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>Section 4. Eligibility and Participation</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: 1in">Management Officials
of the Company shall be eligible to participate in the Plan. The Participants under the Plan shall be selected from time to time
by the Board, in its sole discretion, from among those eligible, and the Board shall determine in its sole discretion the numbers
of shares to be covered by the Award or Awards granted to each Participant.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 5. Shares of Stock Available
for Options</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: 72pt">(a) The maximum number of shares of Common
Stock which may be issued under the Plan is 111,133 subject to the adjustments as provided in this Section 5 and Section 10, to
the extent applicable. If an Award granted under this Plan expires or terminates before exercise or is forfeited for any reason,
without a payment in the form of Common Stock being granted to the Participant, the shares of Common Stock subject to such Award,
to the extent of such expiration, termination or forfeiture, shall again be available for subsequent Award grant under the Plan.</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: 72pt">(b) In the event that any stock dividend,
stock split, reverse stock split or combination, extraordinary cash dividend, creation of a class of equity securities, recapitalization,
reclassification, reorganization, merger, consolidation, split-up, spin-off, combination, exchange of shares, warrants or rights
offering to purchase Common Stock at a price substantially below Fair Market Value, or other similar transaction affects the Common
Stock such that an adjustment is required in order to preserve the benefits or potential benefits intended to be granted or made
available under the Plan to Participants, the Board shall proportionately and appropriately adjust equitably any or all of (i)
the maximum number and kind of shares of Common Stock in respect of which Awards may be granted under the Plan to Participants,
(ii) the number and kind of shares of Common Stock subject to outstanding Options held by Participants, and (iii) the exercise
price with respect to any Options held by Participants, without changing the aggregate purchase price as to which such Options
remain exercisable, and if considered appropriate, the Board may make provision for a cash payment with respect to any outstanding
Options held by a Participant, provided that no adjustment shall be made pursuant to this Section if such adjustment would cause
the Plan to fail to comply with Section 422 of the Code with regard to any Incentive Stock Options granted hereunder or fail to
comply with the requirements of Rule 16b-3 under the Act or any successor or replacement regulation. No fractional Shares shall
be issued on account of any such adjustment.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) Any adjustments under this Section
will be made by the Board, whose determination as to what adjustments, will be made and the extent thereof will be final, binding
and conclusive.</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>Section 6. Non-Qualified Stock Options</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: 72pt">6.1 <U>Grant of Non-Qualified Stock Options</U>.</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: 1in">Subject to the provisions
hereof, the Board may, from time to time, grant Non-Qualified Stock Options to Participants upon such terms and conditions as
the Board may determine, and may grant Non-Qualified Stock Options in exchange for and upon surrender of previously granted Options
under this Plan. Non-Qualified Stock Options granted under this Plan are subject to the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) <U>Price</U>. The purchase price per
share of Common Stock deliverable upon the exercise of each Non-Qualified Stock Option shall be determined by the Board on the
date the option is granted. The purchase price shall not be less than one hundred percent (100%) of the Fair Market Value of the
Common Stock on the date of grant or the par value of the Common Stock, whichever is greater. Shares may be purchased only upon
full payment of the purchase price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) <U>Terms of Options</U>. The term
during which each Non-Qualified Stock Option may be exercised shall be determined by the Board, but in no event shall a Non-Qualified
Stock Option be exercisable in whole or in part more than ten (10) years from the date of grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) <U>Termination of Service</U>. Except
as provided herein, unless otherwise determined by the Board, upon the termination of the service of a Participant who is not
an employee for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified Stock Options
shall be exercisable only as to those shares which were immediately exercisable by the participant at the date of termination
and only for one (1) year from the date of such termination. In the event of death or termination of service of a Participant
who is not an employee as a result of Disability of the Participant, all Non-Qualified Stock Options held by the Participant,
whether or not exercisable at such time, shall be exercisable by the Participant or his legal representatives, or beneficiaries
of the Participant for one (1) year from the date of such termination. Upon the termination of the service of a Participant who
is a common law employee of the Company for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s
Non-Qualified Stock Options shall be exercised only as to those shares which were immediately exercisable by the Participant at
the date of termination and only for a period of three (3) months following termination. In the event of death or termination
of service of a Participant who is a common law employee of the Company as a result of Disability of any such Participant, all
Non-Qualified Stock Options held by such Participant, whether or not exercisable at such time, shall be exercisable by the Participant
or his legal representatives or beneficiaries of the Participant for one (1) year or such longer period as</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">is determined by the Board following the
date of the Participant&rsquo;s death or termination of service due to Disability, provided that in no event shall the period extend
beyond the expiration of the Non-Qualified Stock Option term. Notwithstanding any other provisions set forth herein to the contrary
nor any provision contained in any agreement relating to the award of an option, in the event of a Termination for Cause, all
of the Participant&rsquo;s Non-Qualified Stock Options shall immediately expire upon such Termination for Cause and shall not be exercisable,
regardless of whether such Non-Qualified Stock Options were vested.</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: 1in">(d) <U>Transferability</U>.
Except as provided for hereunder, no Option granted under the Plan shall be assignable or transferable by a Participant, and any
attempted disposition thereof shall be null and void and of no effect. A Participant may transfer or assign an Option granted
hereunder to an immediate family member or trust or benefit plan or similar investment vehicle established for the Participant
or an immediate family member. For purposes of this provision, the term &ldquo;immediate family member&rdquo; means a Participant&rsquo;s
spouse, parents and offspring. Nothing contained herein shall be deemed to prevent transfers by will or by the applicable laws
of descent and distribution.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 7. [Intentionally Deleted]</B></P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Section 8. Restricted Stock</P>

<P STYLE="font: bold 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-indent: 72pt"> 8.1 <U>Grant of Restricted Stock Awards</U></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) <U>Grants</U>. The Board may grant
Restricted Stock Awards entitling recipients to acquire shares of Common Stock, subject to the right of the Company to require
forfeiture of such shares from the Participant in the event that conditions specified by the Board in the applicable Restricted
Stock Award are not satisfied prior to the end of the applicable restriction period or periods established by the Board for such
Restricted Award. During the restricted period, shares constituting a Restricted Stock Award may not be transferred, although
a Participant shall be entitled to exercise other indicia of ownership, including the right to vote such shares and receive any
dividends declared on such shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) <U>Terms and Conditions</U>.
Subject to Section 8.2, the Board shall determine the terms and conditions of any such Restricted Stock Award, including the conditions
for forfeiture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) <U>Stock Certificates</U>.
The Company may cause shares issued as part of a Restricted Stock Award to be issued in either book entry form or certificated
form. Shares issued in book entry form will be maintained in an account at the Company&rsquo;s transfer agent, and only released
to a Participant upon satisfaction of any required restrictions. Any stock certificates issued in respect of a Restricted Stock
Award shall be registered in the name of the Participant and, unless otherwise determined by the Board, deposited by the Participant,
together with a stock power endorsed in blank, with the Company (or its designee). At the expiration of the applicable restriction
periods, the Company (or such designee) shall deliver the certificates no</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">longer subject to such restrictions to the Participant or if
the Participant has died, to the beneficiary designated, in a manner determined by the Board, by a Participant to receive amounts
due or exercise rights of the Participant in the event of the Participant&rsquo;s death (the &ldquo;Designated Beneficiary&rdquo;).
In the absence of an effective designation by a Participant, Designated Beneficiary shall mean the Participant&rsquo;s estate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">8.2 <U>Distribution
of Restricted Stock Awards</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 72pt">(a) Restricted Stock Awards
shall not be distributed and the restrictions pertaining to such award shall not expire earlier than &ndash; </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">(1) upon the completion or satisfaction
of the conditions specified by the Board in the Award;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">(2) a Participant&rsquo;s separation
from service;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">(3) the date a Participant becomes
disabled (as defined in Section 8.3(b));</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">(4) upon the death of a Participant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">(5) a change in the ownership
or effective control of the Company, or in the ownership of a substantial portion of the assets of the Company, as described in
Section 10(c) or, if in conflict therewith, to the extent necessary, by the Secretary of Treasury under regulations issued under
Code section 409A; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 108pt">(6) upon the occurrence of an
unforeseeable emergency.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 72pt">(b) A payment of a Participant&rsquo;s
vested interest in a Restricted Stock Award may, in the discretion of the Board, be made in the event of a Participant&rsquo;s
Disability, upon the occurrence of a Change-in-Control (as defined in the Grant Agreement evidencing any Award) or Unforeseeable
Emergency. Payments in settlement of a Participant&rsquo;s vested interest in a Restricted Stock Award shall be made as soon as
practicable after such occurrence or after the Participant otherwise vests in such award. For the purposes of section 409A of
the Code, the entitlement to a series of installment payments will be treated as the entitlement to a single payment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 72pt">(c) Other provisions of the Plan notwithstanding,
if, upon the written application of a Participant, the Board determines that the Participant has an unforeseeable emergency (as
defined in Section 8.3(b)), the Board may, in its sole discretion, direct the payment to the Participant of all or a portion of
the balance of his or her vested interest in a Restricted Stock Award in a lump sum payment, provided that any such withdrawal
shall be</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">limited by the Board to the amount reasonably
necessary to meet the emergency, including amounts needed to pay any income taxes or penalties reasonably anticipated to result
from the payment. No payment may be made to the extent that such emergency is or may be relieved through reimbursement or compensation
from insurance or otherwise, by liquidation of the Participant&rsquo;s assets or to the extent the liquidation of such assets
would not cause severe financial hardship.</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: 72pt">(d) The Board may not otherwise permit
the acceleration of the time or schedule of any vesting of a Restricted Stock award scheduled to be paid pursuant to the Plan,
unless such acceleration of the time or schedule is (i) necessary to fulfill a domestic relations order (as defined in section
414(p)(1)(B) of the Code) or to comply with a certificate of divestiture (as defined in section 1043(b)(2) of the Code), (ii)
de minimis in nature (as defined in regulations promulgated under section 409A of the Code), (iii) to be used for the payment
of FICA taxes on amounts deferred under the Plan, or (iv) equal to amounts included in the federal personal taxable income of
the Participant under section 409A of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">8.3 <U>Definitions for Restricted Stock
Awards</U> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) For purposes of this Section 8, the following definitions shall apply-</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: 108pt">(1) &ldquo;Disability&rdquo; shall mean
(i) the inability of a Participant to engage in any substantial gainful activity by reason of any medically determinable physical
or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than
twelve (12) months, or (ii) if the Participant is, by reason of any medically determinable physical or mental impairment which
can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months, receiving
income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees
of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(2) &ldquo;Unforeseeable emergency&rdquo;
shall mean a severe financial hardship to the Participant resulting from an illness or accident of the Participant, the Participant&rsquo;s
spouse, or a dependent (as defined in Code section 152(a)) of the Participant, loss of the Participant&rsquo;s property due to
casualty, or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the
Participant.</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>Section 9. Extension</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: 1in">The Board may, in its
sole discretion, extend the dates during which all or any particular Option or Options granted under the Plan may be exercised;
provided, however, that no such extension shall be permitted if it would cause Non-Qualified Stock Options issued under the Plan
to fail to comply with Section 409A or 422 of the Code. An election to defer the lapse of restrictions on a Restricted Stock Award
shall not take effect until at least twelve (12) months</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">after the date on which the election is
made and in the event that an election to defer the lapse of restrictions is made other than in the event of death, disability
or the occurrence of an unforeseeable emergency, payment of such award must be deferred for a period of not less than five (5)
years from the date that restrictions would have otherwise lapsed.</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>Section 10. General Provisions Applicable
to Options </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: 72pt">(a) Each Award under the Plan shall be
evidenced by a writing delivered to the Participant specifying the terms and conditions thereof and containing such other terms
and conditions not inconsistent with the provisions of the Plan as the Board considers necessary or advisable to achieve the purposes
of the Plan or comply with applicable tax and regulatory laws and accounting principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) Each Award may be granted alone, in
addition to or in relation to any other Award. The terms of each Award need not be identical, and the Board need not treat Participants
uniformly. Except as otherwise provided by the Plan or a particular Award, any determination with respect to an Award may be made
by the Board at the time of grant or at any time thereafter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) In the event of a consolidation, reorganization,
merger or sale of all or substantially all of the assets of the Company, in each case in which outstanding shares of Common Stock
are exchanged for securities, cash or other property of any other corporation or business entity or in the event of a liquidation
of the Company, the Board will provide for any one or more of the following actions, as to outstanding Awards: (i) provide that
such Awards shall be assumed, or equivalent Awards shall be substituted, by the acquiring or succeeding corporation (or an affiliate
thereof), (ii) upon written notice to the Participants, provide that all unexercised Options will terminate immediately prior
to the consummation of such transaction unless exercised (to the extent then exercisable) by the Participant within a specified
period following the date of such notice, (iii) in the event of a merger under the terms of which holders of the Common Stock
of the Company will receive upon consummation thereof a cash payment for each share surrendered in the merger (the &ldquo;Merger
Price&rdquo;), make or provide for a cash payment to the Participants equal to the difference between (A) the Merger Price times
the number of shares of Common Stock subject to outstanding Options (to the extent then exercisable at prices not in excess of
the Merger Price) and (B) the aggregate exercise price of all such outstanding Options in exchange for the termination of such
Options, or (iv) provide that all or any outstanding Awards shall become exercisable in full, or that the restrictions on such
Awards shall lapse, immediately prior to such event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(d) For purposes of the Plan, the following
events shall not be deemed a termination of service of a Participant:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify; text-indent: 36pt">(i) a transfer
to the employment of the Company from a subsidiary or from the Company to a subsidiary, or from one subsidiary to another, or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify; text-indent: 36pt">(ii) an approved
leave of absence for military service or sickness, or for any other purpose approved by the Company, if the Participant&rsquo;s right
to reemployment is guaranteed either by a statute or by contract or under the policy pursuant to which the leave of absence was
granted or if the Board otherwise so provides in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(e) The Board may at any time, and from
time to time, amend, modify or terminate the Plan or any outstanding Award held by a Participant, including substituting therefore
another Award of the same or a different type or changing the date of exercise or realization, provided that the Participant&rsquo;s
consent to each action shall be required unless the Board determines that the action, taking into account any related action,
would not materially and adversely affect the Participant, and further provided that no amendment increasing the number of shares
subject to the Plan or decreasing the exercise price for any Option provided for under the Plan may be effectuated without the
approval of the shareholders of the Company; provided, however, that no such amendment or modification will be effective if such
amendment or modification would cause the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any successor
or replacement regulation.</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: 72pt">(f) The Board may, in its sole discretion,
terminate the Plan (in whole or in part) with respect to one or more Participants and distribute to such affected Participants
their vested interest in any Restricted Stock award in a lump sum as soon as reasonably practicable following such termination,
but if, and only if, (i) all nonqualified defined contribution deferred compensation plans maintained by the Company and its Affiliates
are terminated, (ii) no payments other than payments that would be payable under the terms of the Plan if the termination had
not occurred are made within twelve (12) months of the termination of the Plan, (iii) all payments of the vested interest in Restricted
Stock awards are made within twenty-four (24) months of the termination of the Plan, and (iv) the Company acknowledges to the
Participants that it will not adopt any new nonqualified defined contribution deferred compensation plans at any time within five
(5) years following the date of the termination of the Plan.</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>Section 11. Miscellaneous</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: 108pt">(a) No person shall have any claim or
right to be granted an Award, and the grant of an Award shall not be construed as giving a Participant the right to continued
employment or service on the Company&rsquo;s Board. The Company expressly reserves the right at any time to dismiss a Participant free
from any liability or claim under the Plan, except as expressly provided in the applicable Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(b) Nothing contained in the Plan shall
prevent the Company from adopting other or additional compensation arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(c) Subject to the provisions of the applicable
Award, no Participant shall</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">have any rights as a shareholder (including,
without limitation, any rights to receive dividends, or non-cash distributions with respect to such shares) with respect to any
shares of Common Stock to be distributed under the Plan until he or she becomes the holder 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: 108pt">(d) Notwithstanding anything to the contrary
expressed in this Plan, any provisions hereof that vary from or conflict with any applicable Federal or State securities laws
(including any regulations promulgated thereunder) shall be deemed to be modified to conform to and comply with such laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(e) No member of the Board shall be liable
for any action or determination taken or granted in good faith with respect to this Plan nor shall any member of the Board be
liable for any agreement issued pursuant to this Plan or any grants under it. Each member of the Board shall be indemnified by
the Company against any losses incurred in such administration of the Plan, unless his action constitutes serious and willful
misconduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(f) This Plan shall become effective upon
its approval by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(g) Awards may not be granted under the
Plan more than ten (10) years after the effective date of this Plan, but then outstanding Awards may extend beyond such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(h) To the extent that State laws shall
not have been preempted by any laws of the United States, the Plan shall be construed, regulated, interpreted and administered
according to the other laws of the State of New Jersey.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(i) A Participant in the Plan shall have
no right to receive payment (in any form) with respect to his or her restricted Stock award until legal and contractual obligations
of the Company relating to establishment of the Plan and the making of such payments shall have been complied with in full. In
addition, the Company shall impose such restrictions on stock delivered to a Participant hereunder and any other interest constituting
a security as it may deem advisable in order to comply with the Securities Act of 1933, as amended, the requirements of any stock
exchange or automated quotation system upon which the stock is then listed or quoted, any applicable state securities laws, any
provision of the Company&rsquo;s certificate of incorporation or bylaws, or any other law, regulation, or binding contract to
which the Company is a party.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.6</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2012 EQUITY COMPENSATION PLAN</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. Purpose</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: 72pt">The 2012 Equity Compensation
Plan (the &ldquo;Plan&rdquo;) is hereby established to foster and promote the long-term success of North Jersey Community Bancorp,
Inc. (the &ldquo;Company&rdquo;), the holding company of North Jersey Community Bank (the &ldquo;Bank&rdquo;), and its shareholders
by providing members of management, including employees and management officials, with an equity interest in the Company. The Plan
will assist the Company in attracting and retaining the highest quality of experienced persons to serve as employees and Directors
and in aligning the interests of such persons more closely with the interests of the Company&rsquo;s shareholders by encouraging
such parties to maintain an equity interest in the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 2. Definitions</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: 72pt">Capitalized terms not
specifically defined elsewhere herein shall have the following meaning:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Act&rdquo; means
the Securities Exchange Act of 1934, as amended from time to time, and any rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Award&rdquo;
means the grant of Options, Restricted Stock or Performance Units hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Board&rdquo;
means the Board of Directors of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Change
in Control&rdquo; means any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-align: justify; text-indent: 112.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 74.8pt; text-align: justify; text-indent: 36pt"> (1) a
reorganization, merger, consolidation or sale of all or substantially all of the assets of the Company, or any similar transaction,
in any case in which the shareholders of the Company prior to such transaction hold less than a majority of the voting power of
the resulting entity; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 74.8pt; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 74.8pt; text-align: justify; text-indent: 36pt"> (2) individuals
who constitute the Incumbent Board of the Company cease for any reason to constitute a majority thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 74.8pt; text-align: justify; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Code&rdquo; means
the Internal Revenue Code of 1986, as amended from time to time, and the regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Committee&rdquo;
means the Compensation Committee of the Board, or such successor committee of the Board undertaking the responsibilities currently
exercised by the Compensation Committee. Each member of the Committee shall at all times qualify as a &ldquo;Non-Employee Director&rdquo;
within the meaning of SEC Rule 16b-3(b)(3) and an &ldquo;outside director&rdquo; within the meaning of Regulation 1.162-27 under
Code Section 162(m).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Common Stock&rdquo;
or &ldquo;Stock&rdquo; means the common stock, no par value per share, of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Company&rdquo;
means North Jersey Community Bancorp, Inc. and any present or future subsidiary or parent corporations of North Jersey Community
Bancorp, Inc. (as defined in Section 424 of the Code) or any successor to such corporations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Disability&rdquo;
shall mean the Participant&rsquo;s inability for a period of three (3) consecutive months, or for six (6) months during any twelve
(12) month period, to perform the requirements of the Participant&rsquo;s position with the Company due to physical or mental impairment;
provided, however, with respect to a Participant who has been granted an Incentive Stock Option such term shall have the meaning
set forth in Section 422(c)(6) of the Code. For purposes of Restricted Stock Awards under Section 8, &ldquo;Disability&rdquo; shall
be as defined in Section 8.3(a)(1). The determination of whether a Disability exists will be made by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Eligible Shares
has the meaning ascribed in Section 5(a)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Fair Market Value&rdquo;
means, with respect to shares of Common Stock, the fair market value as determined by the Committee in good faith and in a manner
established by the Committee from time to time, taking into account such factors as the Committee shall deem relevant, including
the book value of the Common Stock and, to the extent the Common Stock is traded on a national securities exchange, the Fair Market
Value of the Common Stock shall be the closing price of the Common Stock on the date the Fair Market Value is determined.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Incentive Stock
Option&rdquo; means an option to purchase shares of Common Stock granted to a Participant under the Plan which is intended to meet
the requirements of Section 422 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Incumbent Board&rdquo;
means the Board of Directors of the Company on the date of stockholders approval of this Plan, provided that any person becoming
a director subsequent to such date whose election was approved by a vote of at least three quarters of the directors comprising
the Incumbent Board, or whose nomination for election by stockholders was approved by the same nominating committee serving under
an Incumbent Board, shall be considered as though such individual were a member of the Incumbent Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Management Official&rdquo;
means an employee of the Company, a non-employee member of the Board, a member of any advisory committee or any other service provider
to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Non-Qualified
Stock Option&rdquo; means an option to purchase shares of Common Stock granted to a Participant under the Plan which is not intended
to be an Incentive Stock Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Option&rdquo;
means an Incentive Stock Option or a Non-Qualified Stock Option</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">granted hereunder.</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: 72pt">&ldquo;Participant&rdquo;
means a Management Official selected by the Committee to receive an Award under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Performance Cycle
or Cycle&rdquo; means the period selected by the Committee during which the performance of the Company is measured for the purpose
of determining the extent to which an award of Performance Units has been earned. Applicable performance goals relating to each
Performance Cycle shall be established not later than the earlier of (1) 90 days after the beginning of any performance period
applicable to such Performance Units or (2) the time 25% of such performance period has elapsed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Performance Goals&rdquo;
means the objectives established by the Committee for a Performance Cycle, for the purpose of determining and measuring the extent
to which Performance Units, which have been contingently awarded for such Cycle, have been earned. For purposes of qualifying Awards
intended by the Committee to be exempt under Code Section 162(m) and regulations thereunder, the Committee may use one or more
of the following as Performance Goals: (1) earnings or earnings growth; (2) earnings per share; (3) return on equity, assets, capital
employed or investment; (4) revenues or revenue growth; (5) gross profit; (6) gross margin; (7) net income or net income per common
share; (8) operating margin; (9) operating cash flow; (10) stock price appreciation and total shareholder return, (11) economic
profit or value created, (12) interest expense, (13) strategic business criteria, (14) efficiency ratio, (15) growth in assets,
loan and/or deposits, (16) net interest margin, (17) loan production volume, (18) asset quality, including net charge offs, levels
of classified assets and non-performing loan levels, (19) interest rate risk sensitivity, (21) capital compliance, or any combination
of any of the forgoing. Targeted level or levels of performance with respect to such business criteria may be established at such
levels and in such terms as the Committee may determine, in its discretion, including in absolute terms, as a goal relative to
performance in prior periods, or as a goal compared to the performance of one or more comparable companies or an index covering
multiple companies. Performance Goals may be particular to a Participant, the Company, subsidiary or other business segment of
the Company, or may be based on the performance of the Company as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Performance Units
or Units&rdquo; means a fixed or variable dollar or Common Stock share denominated Unit contingently awarded under Section 9 of
the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Plan&rdquo; means
the 2012 Equity Compensation Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Restricted Stock
Award&rdquo; means a grant of shares of Common Stock pursuant to Section 8 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;SEC&rdquo; means
the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&ldquo;Termination for
Cause&rdquo; means termination because of Participant&rsquo;s intentional</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">failure to perform stated duties, personal
dishonesty, willful violation of any law, rule regulation (other than traffic violations or similar offenses) or final cease and
desist order issued by any regulatory agency having jurisdiction over the Participant or the Company.</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>Section 3. Administration</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: 72pt"> (a)  The Plan shall be administered
by the Committee. Among other things, the Committee shall have authority, subject to the terms of the Plan, to grant Awards, to
determine the type of Award granted, to determine the individuals to whom and the time or times at which Awards may be granted,
to determine whether Options are to be Incentive Options or Non-Qualified Stock Options (subject to the requirements of the Code,
which provide that only employees may receive Incentive Options), to determine the terms and conditions of any Award granted hereunder,
including whether to impose any vesting period, and if the Award is an Option, the exercise price thereof, subject to the requirements
of this Plan.</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: 72pt"> (b) Subject to the other provisions
of the Plan, the Committee shall have authority to adopt, amend, alter and repeal such administrative rules, guidelines and practices
governing the operation of the Plan as it shall from time to time consider advisable, to interpret the provisions of the Plan and
any Award and to decide all disputes arising in connection with the Plan. The Committee may correct any defect or supply any omission
or reconcile any inconsistency in the Plan or in any grant agreement in the manner and to the extent it shall deem appropriate
to carry the Plan into effect, in its sole and absolute discretion. The Committee&rsquo;s decision and interpretations shall be
final and binding. Any action of the Committee with respect to the administration of the Plan shall be taken pursuant to a majority
vote or by the unanimous written consent of its members.</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: 72pt"> (c) The Committee may employ such
legal counsel, consultants and agents as it may deem desirable for the administration of the Plan and may rely upon any opinion
received from any such counsel or consultant and any computation received from any such consultant or agent.</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>Section 4. Eligibility and Participation</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: 72pt">Management Officials
of the Company shall be eligible to participate in the Plan. The Participants under the Plan shall be selected from time to time
by the Committee, in its sole discretion, from among those eligible, and the Committee shall determine in its sole discretion the
numbers of shares to be covered by the Award or Awards granted to each Participant. Options intended to qualify as Incentive Stock
Options shall be granted only to persons who are eligible to receive such options under Section 422 of the Code; i.e., employees
of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 5. Shares of Stock Available
for Awards</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: 72pt"> (a) The maximum number of shares
of Common Stock or equivalents which may be issued under the Plan is 125,000 subject to the adjustments as provided in this Section
5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and Section 10, to the extent applicable;
provided, however, that on January 1<SUP>st</SUP> of each year that the Plan is in effect, the number of shares of Common Stock
or equivalents which may be issued under the Plan shall automatically increase such that the number of shares issued and eligible
for issuance under this Plan, when combined with the number of shares of Common Stock issued or eligible for issuance under all
other equity compensation plans of the Company then in effect (&ldquo;Eligible Shares&rdquo;), will equal 10% of the Company&rsquo;s
then issued and outstanding shares of Common Stock. If the number of Eligible Shares exceeds 10% of the Company&rsquo;s issued
and outstanding shares of Common Stock on any such January 1<SUP>st</SUP>, then there will be no adjustment to the number of shares
or share equivalents which may be issued under this Plan. If an Award granted under this Plan expires or terminates before exercise
or is forfeited for any reason, without a payment in the form of Common Stock being granted to the Participant, the shares of Common
Stock subject to such Award, to the extent of such expiration, termination or forfeiture, shall again be available for subsequent
Award grant under the Plan.</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: 72pt"> (b) In the event that any stock
dividend, stock split, reverse stock split or combination, extraordinary cash dividend, creation of a class of equity securities,
recapitalization, reclassification, reorganization, merger, consolidation, split-up, spin-off, combination, exchange of shares,
warrants or rights offering to purchase Common Stock at a price substantially below Fair Market Value, or other similar transaction
affects the Common Stock such that an adjustment is required in order to preserve the benefits or potential benefits intended to
be granted or made available under the Plan to Participants, the Committee shall proportionately and appropriately adjust equitably
any or all of (i) the maximum number and kind of shares of Common Stock in respect of which Awards may be granted under the Plan
to Participants, (ii) the number and kind of shares of Common Stock subject to outstanding Options held by Participants, and (iii)
the exercise price with respect to any Options held by Participants, without changing the aggregate purchase price as to which
such Options remain exercisable, and if considered appropriate, the Committee may make provision for a cash payment with respect
to any outstanding Options held by a Participant, provided that no adjustment shall be made pursuant to this Section if such adjustment
would cause the Plan to fail to comply with Section 422 of the Code with regard to any Incentive Stock Options granted hereunder
or fail to comply with the requirements of Rule 16b-3 under the Act or any successor or replacement regulation. No fractional Shares
shall be issued on account of any such adjustment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (c) Any adjustments under this Section
will be made by the Committee, whose determination as to what adjustments, will be made and the extent thereof will be final, binding
and conclusive.</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>Section 6. Non-Qualified Stock Options</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: 72pt"> 6.1 <U>Grant of Non-Qualified Stock
Options</U>.</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: 72pt">Subject to the provisions
hereof, the Committee may, from time to time, grant Non-Qualified Stock Options to Participants upon such terms and conditions
as the Committee may determine, and may grant Non-Qualified Stock Options in exchange for and upon surrender</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">of previously granted Options under this
Plan. Non-Qualified Stock Options granted under this Plan are subject to the following terms and conditions:</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: 72pt"> (a) <U>Price</U>. The purchase price
per share of Common Stock deliverable upon the exercise of each Non-Qualified Stock Option shall be determined by the Committee
on the date the option is granted. The purchase price shall not be less than one hundred percent (100%) of the Fair Market Value
of the Common Stock on the date of grant. Shares may be purchased only upon full payment of the purchase price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (b) <U>Terms of Options</U>. The
term during which each Non-Qualified Stock Option may be exercised shall be determined by the Committee, but in no event shall
a Non-Qualified Stock Option be exercisable in whole or in part more than ten (10) years from the date of grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (c) <U>Termination of Service</U>.
Except as provided herein, unless otherwise determined by the Committee, upon the termination of the service of a Participant who
is not an employee for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified
Stock Options shall be exercisable only as to those shares which were immediately exercisable by the participant at the date of
termination and only for one (1) year from the date of such termination. In the event of death or termination of service of a Participant
who is not an employee as a result of Disability of the Participant, all Non-Qualified Stock Options held by the Participant, whether
or not exercisable at such time, shall be exercisable by the Participant or his legal representatives, or beneficiaries of the
Participant for one (1) year from the date of such termination. Upon the termination of the service of a Participant who is a common
law employee of the Company for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Non-Qualified
Stock Options shall be exercised only as to those shares which were immediately exercisable by the Participant at the date of termination
and only for a period of three (3) months following termination. In the event of death or termination of service of a Participant
who is a common law employee of the Company as a result of Disability of any such Participant, all Non-Qualified Stock Options
held by such Participant, whether or not exercisable at such time, shall be exercisable by the Participant or his legal representatives
or beneficiaries of the Participant for one (1) year or such longer period as is determined by the Committee following the date
of the Participant&rsquo;s death or termination of service due to Disability, provided that in no event shall the period extend
beyond the expiration of the Non-Qualified Stock Option term. Notwithstanding any other provisions set forth herein to the contrary
nor any provision contained in any agreement relating to the award of an option, in the event of a Termination for Cause, all of
the Participant&rsquo;s Non-Qualified Stock Options shall immediately expire upon such Termination for Cause and shall not be exercisable,
regardless of whether such Non-Qualified Stock Options were vested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(d) <U>Transferability</U>.
Except as provided for hereunder, no Option granted under the Plan shall be assignable or transferable by a Participant, and any
attempted disposition thereof shall be null and void and of no effect. Nothing contained herein shall be deemed to prevent transfers
by will or by the applicable laws of descent and distribution.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 7. Incentive Stock Options</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: 72pt"> 7.1 <U>Grant of Incentive Stock
Options</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">The Committee may, from
time to time, grant Incentive Stock Options to Management Officials who are employees of the Company. Incentive Stock Options granted
pursuant to the Plan shall be subject to the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (a) <U>Price</U>. The purchase price
per share of Common Stock deliverable upon the exercise of each Incentive Stock Option shall be not less than one hundred percent
(100%) of the Fair Market Value of the Common Stock on the date of grant or the par value of the Common Stock, whichever is higher.
However, if a Participant owns stock possessing more than ten percent (10%) of the total combined voting power of all classes of
Common Stock, the purchase price per share of Common Stock deliverable upon the exercise of each Incentive Stock Option shall not
be less than one hundred ten percent (110%) of the Fair Market Value of the Common Stock on the date of grant or the par value
of the Common Stock, whichever is greater. Shares may be purchased only upon payment of the full purchase price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (b) <U>Amounts of Options</U>. Incentive
Stock Options may be granted to any Management Official who is an employee of the Company in such amounts as determined by the
Committee. In the case of an option intended to qualify as an Incentive Stock Option, the aggregate Fair Market Value (determined
as of the time the option first becomes exercisable) of the Common Stock with respect to which Incentive Stock Options granted
are exercisable for the first time by the Participant during any calendar year shall not exceed $100,000. The provisions of this
Section 7.1(b) shall be construed and applied in accordance with Section 422(d) of the Code and the regulations, if any, promulgated
thereunder. To the extent an award is in excess of such limit, it shall be deemed a Non-Qualified Stock Option. The Committee shall
have discretion to redesignate options granted as Incentive Stock Options as Non-Qualified Options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (c) <U>Terms of Options</U>. The
term during which each Incentive Stock Option may be exercised shall be determined by the Committee, but in no event shall an Incentive
Stock Option be exercisable in whole or in part more than ten (10) years from the date of grant. If at the time an Incentive Stock
Option is granted to an employee, the employee owns Common Stock representing more than ten percent (10%) of the total combined
voting power of the Company (or, under Section 422(d) of the Code, is deemed to own Common Stock representing more than ten percent
(10%) of the total combined voting power of all such classes of Common Stock, by reason of the ownership of such classes of Common
Stock, directly or indirectly, by or for any brother, sister, spouse, ancestor or lineal descendent of such employee, or by or
for any corporation, partnership, estate or trust of which such employee is a shareholder, partner or beneficiary), the Incentive
Stock Option granted to such employee shall not be exercisable after the expiration of five (5) years from the date of grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (d) <U>Termination of Service</U>.
Except as provided in Section 7.1(e) hereof, upon</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the termination of a Participant&rsquo;s
service for any reason other than Disability, death or Termination for Cause, the Participant&rsquo;s Incentive Stock Options which
are then exercisable at the date of termination may only be exercised by the Participant for a period of three (3) months following
termination. Notwithstanding any provisions set forth herein nor contained in any Agreement relating to an award of an Option,
in the event of Termination for Cause all rights under the Participant&rsquo;s Incentive Stock Options shall expire immediately
upon termination, and such Incentive Stock Options shall not be exercisable.</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: 72pt">Unless otherwise determined
by the Committee, in the event of death or termination of service as a result of Disability of any Participant, all Incentive Stock
Options held by such Participant, whether or not exercisable at such time, shall be exercisable by the Participant or the Participant&rsquo;s
legal representatives or beneficiaries of the Participant for one (1) year following the date of the participant&rsquo;s death
or termination of employment as a result of Disability. In no event shall the exercise period extend beyond the expiration of the
Incentive Stock Option term.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (e) <U>Transferability</U>. No Incentive
Option granted under the Plan shall be assignable or transferable by a Participant, except pursuant to the laws of descent and
distribution, and any attempted distribution shall be null and void and of no effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (f) <U>Compliance with Code</U>.
The options granted under this Section 7 of the Plan are intended to qualify as incentive stock options within the meaning of Section
422 of the Code, but the Company makes no warranty as to the qualification of any option as an incentive stock option within the
meaning of Section 422 of the Code. A Participant shall notify the Committee in writing in the event that he disposes of Common
Stock acquired upon exercise of an Incentive Stock Option within the two-year period following the date the Incentive Stock Option
was granted or within the one-year period following the date he received Common Stock upon the exercise of an Incentive Stock Option
and shall comply with any other requirements imposed by the Company in order to enable the Company to secure the related income
tax deduction to which it will be entitled in such event under the Code.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Section 8. Restricted Stock</P>

<P STYLE="font: bold 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-indent: 72pt"> 8.1 <U>Grant of Restricted Stock Awards</U></P>



<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-indent: 72pt; text-align: justify"> (a) <U>Grants</U>. The Committee
may grant Restricted Stock Awards entitling recipients to acquire shares of Common Stock, subject to the right of the Company to
require forfeiture of such shares from the Participant in the event that conditions specified by the Committee in the applicable
Restricted Stock Award are not satisfied prior to the end of the applicable restriction period or periods established by the Committee
for such Restricted Award. During the restricted period, shares constituting a Restricted Stock Award may not be transferred, although
a Participant shall be entitled to exercise other indicia of ownership, including the right to vote such shares and receive any
dividends declared on such shares.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (b) <U>Terms
and Conditions</U>. Subject to Section 8.2, the Committee shall determine the terms and conditions of any such Restricted Stock
Award, including the conditions for forfeiture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(c) <U>Stock Certificates</U>.
The Company may cause shares issued as part of a Restricted Stock Award to be issued in either book entry form or certificated
form. Shares issued in book entry form will be maintained in an account at the Company&rsquo;s transfer agent, and only released
to a Participant upon satisfaction of any required restrictions. Any stock certificates issued in respect of a Restricted Stock
Award shall be registered in the name of the Participant and, unless otherwise determined by the Committee, deposited by the Participant,
together with a stock power endorsed in blank, with the Company (or its designee). At the expiration of the applicable restriction
periods, the Company (or such designee) shall deliver the certificates no longer subject to such restrictions to the Participant
or if the Participant has died, to the beneficiary designated, in a manner determined by the Committee, by a Participant to receive
amounts due or exercise rights of the Participant in the event of the Participant&rsquo;s death (the &ldquo;Designated Beneficiary&rdquo;).
In the absence of an effective designation by a Participant, Designated Beneficiary shall mean the Participant&rsquo;s estate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">8.2 <U>Distribution of Restricted Stock Awards</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) Restricted Stock Awards shall not be distributed and the restrictions pertaining to such award shall not expire earlier
than &ndash;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(1) upon the completion or satisfaction of the conditions specified by the Committee in the Award;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">
 (2) a Participant&rsquo;s separation from service;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(3) the date a Participant becomes disabled (as defined in Section 8.3(b));</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(4) upon the death of a Participant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(5) a change in the ownership or effective control of the Company, or in the ownership of a substantial portion of the assets
of the Company, as described in Section 10(c) or, if in conflict therewith, to the extent necessary, by the Secretary of Treasury
under regulations issued under Code section 409A; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(6) upon the occurrence of an unforeseeable emergency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(b) A payment of a Participant&rsquo;s vested interest in a Restricted Stock Award may, in the discretion of the Committee,
be made in the event of a Participant&rsquo;s Disability, upon</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the occurrence of a Change-in-Control or
Unforeseeable Emergency (as defined below). Payments in settlement of a Participant&rsquo;s vested interest in a Restricted Stock
Award shall be made as soon as practicable after such occurrence or after the Participant otherwise vests in such award. For the
purposes of section 409A of the Code, the entitlement to a series of installment payments will be treated as the entitlement to
a single payment.</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: 72pt"> (c) Other provisions of the Plan
notwithstanding, if, upon the written application of a Participant, the Committee determines that the Participant has an unforeseeable
emergency (as defined in Section 8.3(b)), the Committee may, in its sole discretion, direct the payment to the Participant of all
or a portion of the balance of his or her vested interest in a Restricted Stock Award in a lump sum payment, provided that any
such withdrawal shall be limited by the Committee to the amount reasonably necessary to meet the emergency, including amounts needed
to pay any income taxes or penalties reasonably anticipated to result from the payment. No payment may be made to the extent that
such emergency is or may be relieved through reimbursement or compensation from insurance or otherwise, by liquidation of the Participant&rsquo;s
assets or to the extent the liquidation of such assets would not cause severe financial hardship.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(d) The Committee may not otherwise permit the acceleration of the time or schedule of any vesting of a Restricted Stock
award scheduled to be paid pursuant to the Plan, unless such acceleration of the time or schedule is (i) necessary to fulfill a
domestic relations order (as defined in section 414(p)(1)(B) of the Code) or to comply with a certificate of divestiture (as defined
in section 1043(b)(2) of the Code), (ii) de minimis in nature (as defined in regulations promulgated under section 409A of the
Code), (iii) to be used for the payment of FICA taxes on amounts deferred under the Plan, or (iv) equal to amounts included in
the federal personal taxable income of the Participant under section 409A of the Code.</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: 36pt"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> 8.3 <U>Definitions for Restricted
Stock Awards</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"><U>&nbsp;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(a) For purposes of this Section 8, the
following definitions shall apply-</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: 108pt">(1) &ldquo;Disability&rdquo; shall mean (i) the inability of a Participant to engage in any substantial gainful activity by reason
of any medically determinable physical or mental impairment which can be expected to result in death or can be expected to last
for a continuous period of not less than twelve (12) months, or (ii) if the Participant is, by reason of any medically determinable
physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not
less than twelve (12) months, receiving income replacement benefits for a period of not less than three (3) months under an accident
and health plan covering employees of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 108pt">(2) &ldquo;Unforeseeable Emergency&rdquo; shall mean a severe financial hardship to the Participant resulting from an illness
or accident of the Participant, the Participant&rsquo;s spouse, or a dependent (as defined in Code section 152(a)) of the Participant,
loss of the Participant&rsquo;s</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">property due to casualty, or other similar
extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the Participant.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">Section 9. Performance Units</P>

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

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><FONT STYLE="font-style: normal">9.1
 <U>Authority of Committee</U></FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Subject to the provisions of the Plan, the
Committee shall have sole and complete authority to determine (i) the Participants who shall receive Performance Units and the
number of Units awarded for each Performance Cycle; (ii) the duration of each Performance Cycle; and (iii) the value of or valuation
methodology for each Performance Unit. Performance Units may be denominated in fixed or variable dollar amounts, or may be made
equal to one or more shares of Common Stock. There may be more than one Performance Cycle in existence at any one time, and the
duration of such Performance Cycles may differ, as determined by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">9.2  <U>Performance
Goals</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Committee shall
establish Performance Goals for each Cycle on the basis of such criteria and to accomplish such objectives as the Committee may
from time to time select. During any Cycle, the Committee may adjust the Performance Goals for such Cycle as it deems equitable
in recognition of unusual or non-recurring events affecting the Corporation or changes in applicable tax laws or accounting principles;
provided however, that no such adjustment shall be made with respect to Awards intended by the Committee to qualify as exempt under
Code Section 162(m) if such adjustment would result in the loss of such exemption.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">9.3  <U>Terms and
Conditions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Committee shall
determine the number of Performance Units that have been earned on the basis of the Company&rsquo;s performance in relation to
the established Performance Goals. Performance Units may not be sold, assigned, transferred, pledged or otherwise encumbered, except
as herein provided, during the Performance Cycle. Payment for Performance Units shall be in cash or shares of Common Stock, in
such proportions as the Committee shall determine.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">9.4  <U>Termination</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A Participant must
be a Management Official at the end of a Performance Cycle to be entitled to payment of Performance Units in respect of such Cycle;
provided, however, that in the event a Participant ceases to be a Management Official with the Committee&rsquo;s consent before
the end of such Cycle, or upon the occurrence of a Participant&rsquo;s death or Disability prior to the end of such Cycle, the
Committee, in its discretion and after taking into consideration the performance of such Participant and the performance of the
Company during the Cycle, may authorize payment to such Participant (or the Participant&rsquo;s legal representative) of all or
a portion of the Performance Units deemed by the Committee to have been earned by the Participant through the date of termination.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 10. Extension</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: 72pt">The Committee may, in
its sole discretion, extend the dates during which all or any particular Option or Options granted under the Plan may be exercised;
provided, however, that no such extension shall be permitted if it would cause Non-Qualified Stock Options or Incentive Stock Options
issued under the Plan to fail to comply with Section 409A or 422 of the Code. An election to defer the lapse of restrictions on
a Restricted Stock Award shall not take effect until at least twelve (12) months after the date on which the election is made and
in the event that an election to defer the lapse of restrictions is made other than in the event of death, disability or the occurrence
of an unforeseeable emergency, payment of such award must be deferred for a period of not less than five (5) years from the date
that restrictions would have otherwise lapsed. Nothing contained in this provision, or elsewhere in this Plan, shall be construed
to provide the Committee with authority to change the exercise price of any Award, other than in connection with any adjustment
provided for under Section 5(b) hereof, or such changes as may be approved by the Company&rsquo;s shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 11. General Provisions Applicable
to Awards</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: 72pt"> (a) Each Award under the Plan shall
be evidenced by a writing delivered to the Participant specifying the terms and conditions thereof and containing such other terms
and conditions not inconsistent with the provisions of the Plan as the Committee considers necessary or advisable to achieve the
purposes of the Plan or comply with applicable tax and regulatory laws and accounting principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (b) Each Award may be granted alone,
in addition to or in relation to any other Award. The terms of each Award need not be identical, and the Committee need not treat
Participants uniformly. Except as otherwise provided by the Plan or a particular Award, any determination with respect to an Award
may be made by the Committee at the time of grant or at any time thereafter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (c) In the event of a consolidation,
reorganization, merger or sale of all or substantially all of the assets of the Company, in each case in which outstanding shares
of Common Stock are exchanged for securities, cash or other property of any other corporation or business entity or in the event
of a liquidation of the Company, the Committee will provide for any one or more of the following actions, as to outstanding Awards:
(i) provide that such Awards shall be assumed, or equivalent Awards shall be substituted, by the acquiring or succeeding corporation
(or an affiliate thereof), provided that any options substituted for Incentive Stock Options shall meet the requirements of Section
424(a) of the Code, (ii) upon written notice to the Participants, provide that all unexercised Options will terminate immediately
prior to the consummation of such transaction unless exercised (to the extent then exercisable) by the Participant within a specified
period following the date of such notice, (iii) in the event of a merger under the terms of which holders of the Common Stock of
the Company will receive upon consummation thereof a cash payment for each share surrendered in the merger</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(the &ldquo;Merger Price&rdquo;), make
or provide for a cash payment to the Participants equal to the difference between (A) the Merger Price times the number of shares
of Common Stock subject to outstanding Options (to the extent then exercisable at prices not in excess of the Merger Price) and
(B) the aggregate exercise price of all such outstanding Options in exchange for the termination of such Options, or (iv) provide
that all or any outstanding Awards shall become exercisable in full, or that the restrictions on such Awards shall lapse, immediately
prior to such event.</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: 72pt"> (d) For purposes of the Plan, the
following events shall not be deemed a termination of service of a Participant:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify; text-indent: 36pt"> (i) a
transfer to the employment of the Company from a subsidiary or from the Company to a subsidiary, or from one subsidiary to another,
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify; text-indent: 108pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify; text-indent: 36pt"> (ii) an
approved leave of absence for military service or sickness, or for any other purpose approved by the Company, if the Participant&rsquo;s
right to reemployment is guaranteed either by a statute or by contract or under the policy pursuant to which the leave of absence
was granted or if the Committee otherwise so provides in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-align: justify; text-indent: -72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (e) The Committee may at any time,
and from time to time, amend, modify or terminate the Plan or any outstanding Award held by a Participant, including substituting
therefore another Award of the same or a different type or changing the date of exercise or realization, provided that the Participant&rsquo;s
consent to each action shall be required unless the Committee determines that the action, taking into account any related action,
would not materially and adversely affect the Participant, and further provided that no amendment increasing the number of shares
subject to the Plan or decreasing the exercise price for any Option provided for under the Plan may be effectuated without the
approval of the shareholders of the Company; provided, however, that no such amendment or modification will be effective if such
amendment or modification would cause the Plan to fail to comply with the requirements of Rule 16b-3 under the Act or any successor
or replacement regulation.</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: 72pt"> (f) The Committee may, in its sole
discretion, terminate the Plan (in whole or in part) with respect to one or more Participants and distribute to such affected Participants
their vested interest in any Restricted Stock award in a lump sum as soon as reasonably practicable following such termination,
but if, and only if, (i) all nonqualified defined contribution deferred compensation plans maintained by the Company and its Affiliates
are terminated, (ii) no payments other than payments that would be payable under the terms of the Plan if the termination had not
occurred are made within twelve (12) months of the termination of the Plan, (iii) all payments of the vested interest in Restricted
Stock awards are made within twenty-four (24) months of the termination of the Plan, and (iv) the Company acknowledges to the Participants
that it will not adopt any new nonqualified defined contribution deferred compensation plans at any time within five (5) years
following the date of the termination of the Plan.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Section 12. Miscellaneous</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: 72pt"> (a) No person shall have any claim
or right to be granted an Award, and the grant of an Award shall not be construed as giving a Participant the right to continued
employment or service on the Company&rsquo;s Board. The Company expressly reserves the right at any time to dismiss a Participant
free from any liability or claim under the Plan, except as expressly provided in the applicable Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (b) Nothing contained in the Plan
shall prevent the Company from adopting other or additional compensation arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (c) Subject to the provisions of
the applicable Award, no Participant shall have any rights as a shareholder (including, without limitation, any rights to receive
dividends, or non-cash distributions with respect to such shares) with respect to any shares of Common Stock to be distributed
under the Plan until he or she becomes the holder thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (d) Notwithstanding anything to
the contrary expressed in this Plan, any provisions hereof that vary from or conflict with any applicable Federal or State securities
laws (including any regulations promulgated thereunder) shall be deemed to be modified to conform to and comply with such laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (e) No member of the Committee shall
be liable for any action or determination taken or granted in good faith with respect to this Plan nor shall any member of the
Committee be liable for any agreement issued pursuant to this Plan or any grants under it. Each member of the Committee shall be
indemnified by the Company against any losses incurred in such administration of the Plan, unless his action constitutes serious
and willful misconduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (f) Awards may not be granted under
the Plan more than ten (10) years after approval of the Plan by the Company&rsquo;s shareholders, but then outstanding Awards may
extend beyond such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (h) To the extent that State laws
shall not have been preempted by any laws of the United States, the Plan shall be construed, regulated, interpreted and administered
according to the other laws of the State of New Jersey.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt"> (i) A Participant in the Plan shall
have no right to receive payment (in any form) with respect to his or her restricted Stock award until legal and contractual obligations
of the Company relating to establishment of the Plan and the making of such payments shall have been complied with in full. In
addition, the Company shall impose such restrictions on stock delivered to a Participant hereunder and any other interest constituting
a security as it may deem advisable in order to comply with the Securities Act of 1933, as amended, the requirements of</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">any stock exchange or automated quotation
system upon which the stock is then listed or quoted, any applicable state securities laws, any provision of the Company&rsquo;s
certificate of incorporation or bylaws, or any other law, regulation, or binding contract to which the Company is a party.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72pt; text-align: right"><B><U>EXHIBIT 5</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">July 2, 2014</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">301 Sylvan Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Englewood Cliffs, NJ 07632</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; font: 10pt Courier New, Courier, Monospace; layout-grid-mode: line"><FONT STYLE="font-family: Times New Roman, Times, Serif">Re:</FONT></TD>
    <TD STYLE="width: 95%; font: 10pt Courier New, Courier, Monospace; layout-grid-mode: line"><FONT STYLE="font-family: Times New Roman, Times, Serif">ConnectOne Bancorp, Inc. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; layout-grid-mode: line"><FONT STYLE="font-family: Times New Roman, Times, Serif">Registration Statement on Form S-8</FONT></TD></TR>
</TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have acted as counsel for
ConnectOne Bancorp, Inc., a New Jersey corporation (the &ldquo;Company&rdquo;), in connection with the Registration Statement
on Form S-8 being filed by the Company with the Securities and Exchange Commission pursuant to the Securities Act of 1933,
as amended, relating to an aggregate of 1,480,783 shares of Common Stock, no par value per share, of the Company
(the &ldquo;Shares&rdquo;) to be issued by the Company pursuant to the Company&rsquo;s 2005 Stock Option Plan &ndash; A,
2005 Stock Option Plan &ndash; B, 2006 Equity Compensation Plan, 2008 Equity Compensation Plan, 2009 Equity Compensation Plan
and 2012 Equity Compensation Plan to employees, officers, directors, consultants and advisors of the Company, the form of
which is attached as an exhibit to the Registration Statement (the &ldquo;Plan&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In so acting, we have examined,
and relied as to matters of fact upon, the originals, or copies certified or otherwise identified to our satisfaction, of the Certificate
of Incorporation and Bylaws of the Company, the form of Agreements, and such other certificates, records instruments and documents,
and have made such other and further investigations, as we have deemed necessary or appropriate to enable us to express the opinion
set forth below. In such examination, we have assumed the genuineness of all signatures, the legal capacity of natural persons,
the authenticity of all documents submitted to us as originals, the conformity to original documents of all documents submitted
to us as certified or photostatic copies, and the authenticity of the originals of such latter documents.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Based upon the foregoing,
we are of the opinion that upon issuance and delivery by the Company of the Shares pursuant to the Plan, and, if applicable, the
payment of the exercise price of any options awarded thereunder and in accordance with the terms of the Plan, in cash or other
consideration under Section 14A:7-7 of the New Jersey Business Corporation Act (the &ldquo;Act&rdquo;), the Shares issued will be
legally issued, fully paid and non-assessable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The issuance of the Shares
is subject to the continuing effectiveness of the Registration Statement and the qualification, or exemption from registration,
of such Shares under certain state securities laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">We hereby consent to the
filing of this opinion as an exhibit to the Registration Statement. In giving the foregoing consent, we do not admit that we are
in the category of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended, or the rules and
regulations of the Securities and Exchange Commission promulgated thereunder.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier New, Courier, Monospace; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 55%; layout-grid-mode: line">&nbsp;</td>
    <TD STYLE="width: 45%; layout-grid-mode: line"><font style="font-family: Times New Roman, Times, Serif">Very truly yours,</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="layout-grid-mode: line">&nbsp;</td>
    <TD STYLE="layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="layout-grid-mode: line">&nbsp;</td>
    <TD STYLE="layout-grid-mode: line"><font style="font-family: Times New Roman, Times, Serif">/s/ WINDELS MARX LANE &amp; MITTENDORF, LLP</font></td></tr>
</table>
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<TYPE>EX-23.(A)
<SEQUENCE>9
<FILENAME>c77966_ex23a.htm
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<P STYLE="margin: 0">&nbsp;</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 23(a)</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Consent of Independent Registered Public
Accounting Firm</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">ConnectOne Bancorp, Inc. (formerly Center Bancorp, Inc.)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Englewood Cliffs, New Jersey</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 of ConnectOne Bancorp, Inc. (formerly Center Bancorp, Inc.) of our reports dated March 5, 2014, relating
to the consolidated financial statements as of and for the year ended December 31, 2013 and the effectiveness of internal control
over financial reporting as of December 31, 2013 appearing in the Annual Report on Form 10-K of Center Bancorp, Inc.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">/s/BDO USA, LLP</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Philadelphia, Pennsylvania</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">July 2, 2014<A NAME="a_wd_lastPlace"></A></P>



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

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

<P STYLE="margin: 0"></P>
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<TYPE>EX-23.(B)
<SEQUENCE>10
<FILENAME>c77966_ex23b.htm
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<P STYLE="margin: 0">&nbsp;</P>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 23(b)</B></P>



<P STYLE="font: 11pt/115% Calibri, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>Consent of Independent Registered
Public Accounting Firm</B></P>

<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0">ConnectOneBancorp, Inc. (formerly Center Bancorp, Inc.)</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0">Englewood Cliffs, New Jersey</P>

<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">We hereby consent to the incorporation
by reference in the Registration Statement on Form S-8 of ConnectOne Bancorp, Inc. (formerly Center Bancorp, Inc.) of our report
dated March 13, 2013, relating to the consolidated financial statements as of December 31, 2012 and for each of the years in the
two-year period ended December 31, 2012, appearing in the Annual Report on Form 10-K of Center Bancorp, Inc. for the year ended
December 31, 2013.</P>

<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0">/s/ ParenteBeard LLC</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0">Allentown, Pennsylvania</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0">July 2, 2014</P>



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

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

<P STYLE="margin: 0"></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
