<SEC-DOCUMENT>0000930413-14-003165.txt : 20140708
<SEC-HEADER>0000930413-14-003165.hdr.sgml : 20140708
<ACCEPTANCE-DATETIME>20140708103507
ACCESSION NUMBER:		0000930413-14-003165
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20140702
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20140708
DATE AS OF CHANGE:		20140708

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11486
		FILM NUMBER:		14964412

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</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>Washington, D.C. 20549</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>FORM 8-K</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>CURRENT REPORT</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">Pursuant to Section 13 or 15(d) of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">the Securities Exchange Act of 1934</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">Date of Report (Date of earliest event reported):
<U>July 2, 2014</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="x1_c78037a001.jpg" ALT=""></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><U>CONNECTONE BANCORP, INC.</U></B></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; text-align: center"><FONT STYLE="font-size: 10pt"><B><U>New Jersey</U></B></FONT></TD>
    <TD STYLE="width: 19%; text-align: center"><FONT STYLE="font-size: 10pt"><B><U>000-11486</U></B></FONT></TD>
    <TD STYLE="width: 40%; text-align: center"><FONT STYLE="font-size: 10pt"><B>52-1273725</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(State or other jurisdiction</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Commission</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(IRS Employer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">of incorporation)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">File Number)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">Identification No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>301 Sylvan Avenue</B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B><U>Englewood Cliffs, New Jersey</U></B></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B><U>07632</U></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Address of principal executive offices)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Company&rsquo;s telephone number, including
area code <U>(201) 816-8900</U></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><U>CENTER BANCORP, INC.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2455
Morris Avenue, Union New Jersey 07083&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
since last report.)</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"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT> Written communications pursuant to Rule 425 under the
Securities Act (17 CFR 230.425)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT> Soliciting material pursuant to Rule 14a-12 under the
Exchange Act (17 CFR 240.14a-12)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT> Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(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"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT> Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c))</P>

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<P STYLE="font: 10pt inherit,serif; margin: 0"><B>Item 1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Entry into a Material Definitive Agreement.</B></P>

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

<P STYLE="font: 10pt inherit,serif; margin: 0">On July 2, 2014, ConnectOne Bancorp, Inc. (formerly, Center Bancorp, Inc.) (the
&ldquo;Company&rdquo;) entered into an underwriting agreement (the &ldquo;Underwriting Agreement&rdquo;) with the selling stockholders
named therein (collectively, the &ldquo;Selling Shareholders&rdquo;) and Keefe, Bruyette &amp; Woods, Inc., as underwriter (the
&ldquo;Underwriter&rdquo;) relating to the underwritten public offering and sale of 2,365,000 shares of the Company&rsquo;s common
stock, no par value per share (the &ldquo;Shares&rdquo;) referenced in the Company&rsquo;s Form 8-K filed with the SEC on July
2, 2014.&nbsp;</P>

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

<P STYLE="font: 10pt inherit,serif; margin: 0">From time to time, the Underwriter and/or its respective affiliates have directly
and indirectly engaged, or may engage, in various financial advisory, investment banking and commercial banking services for the
Company and its affiliates, for which they received, or may receive, customary compensation, fees and expense reimbursement.</P>

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

<P STYLE="font: 10pt inherit,serif; margin: 0">The Underwriting Agreement contains customary representations, warranties and agreements
by the Company and the Selling Shareholders, customary conditions to closing, indemnification obligations of the Company, the Selling
Shareholders and the Underwriter, including for liabilities under the Securities Act of 1933, as amended, other obligations of
the parties and termination provisions. Subject to certain exceptions, the Selling Shareholders have also agreed not to sell or
transfer any shares of common stock of the Company for a period of 90 days after July 2, 2014 without first obtaining the consent
of the Underwriter.</P>

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

<P STYLE="font: 10pt inherit,serif; margin: 0">The above description of the Underwriting Agreement is not complete and is qualified
in its entirety by reference to the full text of the Underwriting Agreement, a copy of which is filed as Exhibit&nbsp;1.1 to this
Current Report on Form&nbsp;8-K and incorporated herein by reference.</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">&nbsp;</P>

<P STYLE="font: 10pt inherit,serif; margin: 0"><B>Item 9.01 Financial Statements and Exhibits</B></P>

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

<P STYLE="font: 10pt inherit,serif; margin: 0">(d) Exhibits</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt inherit,serif">Exhibit 1.1</FONT></TD>
    <TD STYLE="width: 87%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt inherit,serif">Underwriting Agreement, dated July&nbsp;2, 2014, among ConnectOne Bancorp, Inc., the selling shareholders named in Schedule I thereto and Keefe, Bruyette &amp; Woods, Inc., as underwriter </FONT></TD></TR>
</TABLE>
<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>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 46%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">Dated: July&nbsp;7, 2014</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">CONNECTONE BANCORP, INC.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Registrant</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><I>/s/ William S. Burns</I></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom;">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom;">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom;">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">William S. Burns</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Executive Vice President/</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit 1.1</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">CONNECTONE BANCORP, INC.</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">(a New Jersey corporation)</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">2,365,000 Shares of Common Stock</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">(No Par Value)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>UNDERWRITING AGREEMENT</U></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: right">July 2, 2014</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">KEEFE, BRUYETTE &amp; WOODS, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 10pt">as Representative of the several Underwriters</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">c/o Keefe, Bruyette &amp; Woods, Inc.<BR>
787 Seventh Avenue<BR>
4<SUP>th</SUP> Floor<BR>
New York, New York 10019</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Ladies and Gentlemen:</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">ConnectOne Bancorp,
Inc., New Jersey corporation (the &ldquo;<I>Company</I>&rdquo;), and the persons listed in <U>Schedule B</U> hereto (the &ldquo;<I>Selling
Shareholders</I>&rdquo;), confirm their respective agreements with Keefe, Bruyette &amp; Woods, Inc. (&ldquo;<I>Keefe Bruyette</I>&rdquo;)
and each of the other Underwriters named in <U>Schedule A</U> hereto (collectively, the &ldquo;<I>Underwriters</I>&rdquo;, which
term shall also include any underwriter substituted as hereinafter provided in <U>Section 10</U> hereof), for whom Keefe Bruyette
is acting as representative (in such capacity, the &ldquo;<I>Representative</I>&rdquo;), with respect to the sale by the Selling
Shareholders and the purchase by the Underwriters, acting severally and not jointly, of the respective numbers of shares of Common
Stock, no par value, of the Company (&ldquo;<I>Common Stock</I>&rdquo;) set forth in Schedules A and B hereto. For purposes of
clarity, unless the context otherwise requires, the references to the Company in this Agreement refer to both ConnectOne Bancorp
Inc. (formerly, Center Bancorp, Inc.) (&ldquo;<I>ConnectOne</I>&rdquo;) and ConnectOne Bancorp, Inc. (the &ldquo;<I>Predecessor
Corporation</I>&rdquo;). The aforesaid 2,365,000 shares of Common Stock to be purchased by the Underwriters are hereinafter called,
collectively, the &ldquo;<I>Securities</I>&rdquo;.</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: 36pt">The Company and the
Selling Shareholders understand that the Underwriters propose to make a public offering of the Securities as soon as the Representative
deems advisable after this Agreement has been executed and delivered.</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: 36pt">The Company has filed
with the Securities and Exchange Commission (the &ldquo;<I>Commission</I>&rdquo;) a registration statement on Form S-3 (No. 333-196933),
including the related preliminary prospectus or prospectus covering the registration of the Securities under the Securities Act
of 1933, as amended (the &ldquo;<I>1933 Act</I>&rdquo;). Promptly after execution and delivery of this Agreement, the Company will
prepare and file a prospectus in accordance with the provisions of Rule 430A (&ldquo;<I>Rule 430A</I>&rdquo;) of the rules and
regulations of the Commission under the 1933 Act (the &ldquo;<I>1933 Act Regulations</I>&rdquo;) and paragraph (b) of Rule 424
(&ldquo;<I>Rule 424(b)</I>&rdquo;) of the 1933 Act Regulations. The information included in such prospectus that was omitted from
such registration statement at the time it became effective but that is deemed to be part of such registration statement at the
time it became effective pursuant to paragraph (b) of Rule 430A is referred to as &ldquo;<I>Rule 430A Information</I>.&rdquo; Each
prospectus used before such registration statement became effective, and any prospectus that omitted the Rule 430A Information,
that was used after such effectiveness and prior to the execution and delivery of this Agreement, is herein called a &ldquo;<I>preliminary
prospectus</I>.&rdquo; Such registration statement, including the amendments thereto, the exhibits and any schedules thereto, if
any, and the documents incorporated by reference therein pursuant to Item 12 of Form S-3 under the 1933 Act, at the time it became
effective and including the Rule 430A Information, as applicable, is herein called the &ldquo;<I>Registration Statement</I>.&rdquo;
Any registration statement filed pursuant to Rule 462(b) of the 1933 Act Regulations is herein referred to as the &ldquo;<I>Rule
462(b) Registration Statement</I>,&rdquo; and after such filing the term &ldquo;<I>Registration Statement</I>&rdquo; shall include
the Rule 462(b) Registration Statement. The final prospectus, including the documents</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">incorporated by reference therein, in the
form first furnished to the Underwriters for use in connection with the offering of the Securities is herein called the &ldquo;<I>Prospectus</I>.&rdquo;
For purposes of this Agreement, all references to the Registration Statement, any preliminary prospectus, the Prospectus or any
amendment or supplement to any of the foregoing shall be deemed to include the copy filed with the Commission pursuant to its Electronic
Data Gathering, Analysis and Retrieval system (&ldquo;<I>EDGAR</I>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">All references in this
Agreement to financial statements and schedules and other information which is &ldquo;<I>contained</I>,&rdquo; &ldquo;<I>included</I>&rdquo;
or &ldquo;<I>stated</I>&rdquo; in the Registration Statement, any preliminary prospectus or the Prospectus (or other references
of like import) shall be deemed to mean and include all such financial statements and schedules and other information which is
incorporated by reference in the Registration Statement, any preliminary prospectus or the Prospectus, as the case may be; and
all references in this Agreement to amendments or supplements to the Registration Statement, any preliminary prospectus or the
Prospectus shall be deemed to mean and include the filing of any document under the Securities Exchange Act of 1934 (the &ldquo;<I>1934
Act</I>&rdquo;) which is incorporated by reference in the Registration Statement, such preliminary prospectus or the Prospectus,
as the case may be.</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: 36pt">SECTION 1. <U>Representations
and Warranties and Agreements</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: 36pt">(a) <I>Representations
and Warranties by the Company. </I>The Company represents and warrants to each Underwriter and Selling Shareholder as of the date
hereof and as of the Closing Time referred to in <U>Section 2(c)</U> hereof, and agrees with each Underwriter and Selling Shareholder,
as follows:</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">(i) <U>Compliance
with Registration Requirements</U>. (A) At the time of filing the Registration Statement, any 462(b) Registration Statement and
any post-effective amendments thereto, (B) at the earliest time thereafter that the Company or another offering participant made
a bona fide offer (within the meaning of Rule 164(h)(2) of the 1933 Act Regulations) of the Securities, and (C) at the date hereof,
the Company was not an &ldquo;<I>ineligible issuer</I>&rdquo; as defined in Rule 405 of the 1933 Act Regulations (&ldquo;<I>Rule
405</I>&rdquo;). The Company meets the requirements for use of Form S-3 under the 1933 Act. Each of the Registration Statement
and any Rule 462(b) Registration Statement has become effective under the 1933 Act and no stop order suspending the effectiveness
of the Registration Statement and any post-effective amendment thereto or any Rule 462(b) Registration Statement has been issued
and any post-effective amendment thereto under the 1933 Act and no proceedings for that purpose have been instituted or are pending
or, to the knowledge of the Company, are contemplated by the Commission, and any request on the part of the Commission for additional
information has been complied with.</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">At the respective times
the Registration Statement, any Rule 462(b) Registration Statement and any post-effective amendments thereto became effective and
at the Closing Time, the Registration Statement, the Rule 462(b) Registration Statement and any amendments and supplements thereto
complied and will comply in all material respects with the requirements of the 1933 Act and the 1933 Act Regulations and did not
and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary
to make the statements therein not misleading. Neither the Prospectus nor any amendments or supplements thereto, at the time the
Prospectus or any such amendment or supplement was issued and at the Closing Time, included or will include an untrue statement
of a material fact or omitted or will omit to state a material fact necessary in order to make the statements therein, in the light
of the circumstances under which they were made, not misleading.</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: 36pt">Each preliminary prospectus
and the prospectus filed as part of the Registration Statement as originally filed or as part of any amendment thereto, or filed
pursuant to Rule 424 under the 1933 Act, complied when so filed in all material respects with the 1933 Act and the 1933 Act Regulations
and each preliminary prospectus and the Prospectus delivered to the Underwriters for use in connection with this offering was identical
to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by
Regulation S-T.</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: 36pt">As of the Applicable
Time, neither (x) the Issuer-Represented General Free Writing Prospectus(es) (as defined below) issued at or prior to the Applicable
Time (as defined below) and the Statutory Prospectus (as defined below), all considered together (collectively, the &ldquo;<I>General
Disclosure Package</I>&rdquo;), nor (y) any individual Issuer-Represented Limited Use Free Writing Prospectus, when considered
together with the General Disclosure Package, included any untrue statement of a material fact or omitted to state any material
fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">As used in this subsection
and elsewhere in this Agreement:</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">&ldquo;<I>Applicable
Time</I>&rdquo; means 7:30 am (Eastern time) on the date of this Agreement or such other time as agreed by the Company and the
Representative.</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;<I>Issuer-Represented
Free Writing Prospectus</I>&rdquo; means any &ldquo;issuer free writing prospectus,&rdquo; as defined in Rule 433 of the 1933 Act
Regulations (&ldquo;<I>Rule 433</I>&rdquo;), relating to the Securities that (i) is required to be filed with the Commission by
the Company or (ii) is exempt from filing pursuant to Rule 433(d)(5)(i) because it contains a description of the Securities or
of the offering that does not reflect the final terms, in each case in the form filed or required to be filed with the Commission
or, if not required to be filed, in the form retained in the Company&rsquo;s records pursuant to Rule 433(g).</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;<I>Issuer-Represented
General Free Writing Prospectus</I>&rdquo; means any Issuer-Represented Free Writing Prospectus that is intended for general distribution
to prospective investors, as evidenced by its being specified in Schedule C hereto.</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;<I>Issuer-Represented
Limited Use Free Writing Prospectus</I>&rdquo; means any Issuer-Represented Free Writing Prospectus that is not an Issuer-Represented
General Free Writing Prospectus.</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;<I>Statutory
Prospectus</I>&rdquo; as of any time means the prospectus relating to the Securities that is included in the Registration Statement
immediately prior to that time, including any document incorporated by reference therein and any prospectus supplement deemed to
be a part thereof. For purposes of this definition, information contained in a form of prospectus that is deemed retroactively
to be a part of the Registration Statement pursuant to Rule 430B shall be considered to be included in the Statutory Prospectus
as of the actual time that form of prospectus is filed with the Commission pursuant to Rule 424(b).</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">Each Issuer-Represented
Free Writing Prospectus, as of its issue date and at all subsequent times through the completion of the public offer and sale of
the Securities or until any earlier date that the Company notified or notifies Keefe Bruyette as described in the next sentence,
did not, does not and will not include any information that conflicted, conflicts or will conflict with the information contained
in the Registration Statement or the Prospectus, including any document incorporated by reference therein and any preliminary or
other prospectus deemed to be a part thereof that has not been superseded or modified, including any document incorporated by reference
therein and any prospectus supplement deemed to be a part thereof that has not been superseded or modified.</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: 36pt">The representations
and warranties in this subsection shall not apply to statements in or omissions from the Registration Statement, any preliminary
prospectus, the Prospectus or any Issuer-Represented Free Writing Prospectus made in reliance upon and in conformity with written
information furnished to the Company by any Underwriter through the Representative expressly for use therein, it being understood
and agreed that the only information furnished by any Underwriter consists of the information described in <U>Section 6(b)</U>
hereof.</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">(ii) <U>Incorporated
Documents</U>. The documents incorporated or deemed to be incorporated by reference in the Registration Statement and the Prospectus,
at the time they were or hereafter are filed with the Commission, complied and will comply in all material respects with the requirements
of the 1934 Act and the rules and regulations of the Commission thereunder (the &ldquo;<I>1934 Act Regulations</I>&rdquo;), and,
when read together with the other information in the Prospectus, at the time the Registration Statement became effective, at the
time the Prospectus was issued and at the Closing Time, did not and will not contain an untrue statement of a material fact or
omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading.</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">(iii) <U>Independent
Accountants</U>. (i) BDO USA, LLP and ParenteBeard LLC, the accounting firms that certified the financial statements and supporting
schedules of the Company included or incorporated by reference in the Registration Statement and the Prospectus, and (ii) Crowe
Horwath, the accounting firm that certified the financial statements and supporting schedules of the Predecessor Corporation included
or incorporated by reference in the Registration Statement and the Prospectus, are in each case, independent registered public
accounting firms as required by the 1933 Act and the 1933 Act Regulations. With respect to the Company, each of BDO USA, LLP and
ParenteBeard LLC is not and has not been in violation of the auditor independence</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">requirements of the Sarbanes-Oxley Act
of 2002 (&ldquo;<I>Sarbanes-Oxley Act</I>&rdquo;) and the related rules and regulations of the Commission; and with respect to
the Predecessor Corporation, Crowe Horwath is not and has not been in violation of the auditor independence requirements of the
Sarbanes-Oxley Act.</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">(iv) <U>Financial
Statements</U>. The financial statements included or incorporated by reference in the Registration Statement, the General Disclosure
Package and the Prospectus, together with the related schedules and notes, present fairly the financial position of the Company
and its consolidated subsidiaries and the Predecessor Corporation and its consolidated subsidiaries, as applicable, at the dates
indicated and the statement of operations, stockholders&rsquo; equity and cash flows of the Company and its consolidated subsidiaries
and the Predecessor Corporation and its consolidated subsidiaries, as applicable, for the periods specified; said financial statements
have been prepared in conformity with generally accepted accounting principles (&ldquo;<I>GAAP</I>&rdquo;) applied on a consistent
basis throughout the periods involved. The supporting schedules, if any, included or incorporated by reference in the Registration
Statement, the General Disclosure Package and the Prospectus present fairly in accordance with GAAP the information required to
be stated therein. The selected financial data and the summary financial information included in the Registration Statement, the
General Disclosure Package and the Prospectus present fairly the information shown therein and have been compiled on a basis consistent
with that of the audited financial statements included in the Registration Statement and the books and records of the Company and
the Predecessor Corporation. No other financial statements or schedules are required to be included in the Registration Statement.
To the extent applicable, all disclosures contained in the Registration Statement or the Prospectus regarding &ldquo;<I>non-GAAP
financial measures</I>&rdquo; (as such term is defined by the rules and regulations of the Commission) comply with Regulation G
of the 1934 Act, 1934 Act Regulations and Item 10 of Regulation S-K under the 1933 Act, as applicable. The pro forma financial
statements and the related notes thereto included or incorporated by reference in the Registration Statement and the Prospectus
present fairly the information shown therein, have been prepared in accordance with the Commission&rsquo;s rules and guidelines
with respect to pro forma financial statements and have been properly compiled on the bases described therein, and the assumptions
used in the preparation thereof are reasonable and the adjustments used therein are appropriate to give effect to the transactions
and circumstances referred to therein.</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">(v) <U>No Material
Adverse Change in Business</U>. Since the respective dates as of which information is given in the Registration Statement, the
General Disclosure Package and the Prospectus, except as otherwise stated therein, (A) there has been no material adverse change
in the condition, financial or otherwise, or in the earnings, business affairs or business prospects of the Company and its subsidiaries
considered as one enterprise, whether or not arising in the ordinary course of business (a &ldquo;<I>Material Adverse Effect</I>&rdquo;),
(B) there have been no transactions entered into by the Company or any of its subsidiaries, other than those in the ordinary course
of business, which are material with respect to the Company and its subsidiaries considered as one enterprise, and (C) except for
regular quarterly dividends on the Common Stock and the Company&rsquo;s Senior Non-Cumulative Perpetual Preferred Stock, Series
B, in each case, in amounts per share that are consistent with past practice, there has been no dividend or distribution of any
kind declared, paid or made by the Company on any class of its capital stock.</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">(vi) <U>Good Standing
of the Company</U>. The Company has been duly organized and is validly existing as a corporation in good standing under the laws
of the State of New Jersey, is a bank holding company as defined in the Bank Holding Company Act of 1956, as amended, and has corporate
power and authority to own, lease and operate its properties and to conduct its business as described in the General Disclosure
Package and the Prospectus and to enter into and perform its obligations under this Agreement; and the Company is duly qualified
as a foreign corporation to transact business and is in good standing in each other jurisdiction in which such qualification is
required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure so to
qualify or to be in good standing would not result in a Material Adverse 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">(vii) <U>Good Standing
of Subsidiaries</U>. Each of the Company&rsquo;s subsidiaries has been duly organized and is validly existing as a corporation,
limited liability company, trust company, statutory business trust, limited partnership or bank in good standing under the laws
of the jurisdiction of its incorporation or organization, has corporate or other power and authority to own, lease and operate
its properties and to conduct its business as described in the General Disclosure Package and the Prospectus and is duly qualified
to transact business and is in good standing in each jurisdiction in which such qualification is required, whether by reason of
the ownership or leasing of property or the conduct of business, except where the failure so to qualify or to be in good standing
would not result in a Material Adverse Effect. The activities of each of the Company&rsquo;s subsidiaries are permitted of subsidiaries
of a bank holding company under applicable law and the rules and regulations of the Board of</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Governors of the Federal Reserve System
(the &ldquo;<I>FRB</I>&rdquo;) set forth in Title 12 of the Code of Federal Regulations. Except as otherwise disclosed in the Registration
Statement, all of the issued and outstanding capital stock or equity interests, as the case may be, of each such subsidiary has
been duly authorized and validly issued, is fully paid and non-assessable and is owned by the Company, directly or through subsidiaries,
free and clear of any security interest, mortgage, pledge, lien, encumbrance, claim or equity; none of the outstanding shares of
capital stock or equity interests of any subsidiary was issued in violation of the preemptive or similar rights of any securityholder
of such subsidiary. The only subsidiaries of the Company are the subsidiaries listed on <U>Schedule E</U> hereto.</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">(viii) <U>Capitalization</U>.
The shares of issued and outstanding capital stock, including the Securities to be purchased by the Underwriters from the Selling
Shareholders, have been duly authorized and validly issued and are fully paid and non-assessable; none of the outstanding shares
of capital stock, including the Securities to be purchased by the Underwriters from the Selling Shareholders, was issued in violation
of the preemptive or other similar rights of any securityholder 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">(ix) <U>Authorization
of Agreement</U>. This Agreement has been duly authorized, executed and delivered by 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">(x) <U>Authorization
and Description of Securities</U>. The Common Stock conforms to all statements relating thereto contained in the Prospectus and
such description conforms to the rights set forth in the instruments defining the same; no holder of the Securities will be subject
to personal liability for the debts of the Company by reason of being such a holder; and the issuance of the Securities is not
subject to the preemptive or other similar rights of any securityholder 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">(xi) <U>Absence of
Defaults and Conflicts</U>. Neither the Company nor any of its subsidiaries is (i) in violation of its charter or by-laws (or equivalent
organizational documents) or (ii) in default in the performance or observance of any obligation, agreement, covenant or condition
contained in any contract, indenture, mortgage, deed of trust, loan or credit agreement, note, lease or other agreement or instrument
to which the Company or any of its subsidiaries is a party or by which it or any of them may be bound, or to which any of the property
or assets of the Company or any subsidiary is subject (collectively, &ldquo;<I>Agreements and Instruments</I>&rdquo;), except,
in the case of clause (ii) above, for such defaults that would not result in a Material Adverse Effect; and the execution, delivery
and performance of this Agreement and the consummation of the transactions contemplated herein and in the Registration Statement
(including the issuance and sale of the Securities) and compliance by the Company with its obligations hereunder have been duly
authorized by all necessary corporate action and do not and will not, whether with or without the giving of notice or passage of
time or both, conflict with or constitute a breach of, or default or Repayment Event (as defined below) under, or result in the
creation or imposition of any lien, charge or encumbrance upon any property or assets of the Company or any subsidiary pursuant
to, the Agreements and Instruments (except for such conflicts, breaches or defaults or liens, charges or encumbrances that would
not result in a Material Adverse Effect), nor will such action result in any violation of the provisions of the charter or by-laws
(or equivalent organizational documents) of the Company or any subsidiary or any applicable law, statute, rule, regulation, judgment,
order, writ or decree of any government, government instrumentality or court, domestic or foreign, having jurisdiction over the
Company or any subsidiary or any of their assets, properties or operations. As used herein, a &ldquo;<I>Repayment Event</I>&rdquo;
means any event or condition which gives the holder of any note, debenture or other evidence of indebtedness (or any person acting
on such holder&rsquo;s behalf) the right to require the repurchase, redemption or repayment of all or a portion of such indebtedness
by the Company or any subsidiary.</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">(xii) <U>Absence
of Labor Dispute</U>. No labor dispute with the employees of the Company or any subsidiary exists or, to the knowledge of the Company,
is imminent, and the Company is not aware of any existing or imminent labor disturbance by the employees of any of its or any subsidiary&rsquo;s
principal suppliers, manufacturers, customers or contractors, which, in either case, may reasonably be expected to result in a
Material Adverse 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">(xiii) <U>Absence
of Proceedings</U>. There is no action, suit, proceeding, inquiry or investigation before or brought by any court or governmental
agency or body, domestic or foreign, now pending, or, to the knowledge of the Company, threatened, against or affecting the Company
or any subsidiary, which is required to be disclosed in the Registration Statement or the Prospectus (other than as disclosed therein),
or which might reasonably be expected to result in a Material Adverse Effect, or which might reasonably be expected to materially
and adversely affect the properties or assets thereof or the consummation of the transactions contemplated in this</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Agreement or the performance by the Company
of its obligations hereunder; the aggregate of all pending legal or governmental proceedings to which the Company or any subsidiary
is a party or of which any of their respective property or assets is the subject which are not described in the Registration Statement
or the Prospectus, including ordinary routine litigation incidental to the business, could not reasonably be expected to result
in a Material Adverse Effect.</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">(xiv) <U>Accuracy
of Exhibits</U>. There are no contracts or documents which are required to be described in the Registration Statement, or the General
Disclosure Package, the Prospectus or the documents incorporated by reference therein or to be filed as exhibits thereto which
have not been so described and filed as required.</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">(xv) <U>Possession
of Intellectual Property</U>. The Company and its subsidiaries own or possess, or can acquire on reasonable terms, adequate patents,
patent rights, licenses, inventions, copyrights, know-how (including trade secrets and other unpatented and/or unpatentable proprietary
or confidential information, systems or procedures and excluding generally commercially available &ldquo;off the shelf&rdquo; software
programs licensed pursuant to shrink wrap or &ldquo;click and accept&rdquo; licenses), trademarks, service marks, trade names or
other intellectual property (collectively, &ldquo;<I>Intellectual Property</I>&rdquo;) necessary to carry on the business now operated
by them, and neither the Company nor any of its subsidiaries has received any notice or is otherwise aware of any infringement
of or conflict with asserted rights of others with respect to any Intellectual Property or of any facts or circumstances which
would render any Intellectual Property invalid or inadequate to protect the interest of the Company or any of its subsidiaries
therein, and which infringement or conflict (if the subject of any unfavorable decision, ruling or finding) or invalidity or inadequacy,
singly or in the aggregate, would result in a Material Adverse 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">(xvi) <U>Absence
of Further Requirements</U>. No filing with, or authorization, approval, consent, license, order, registration, qualification or
decree of, any court or governmental authority or agency is necessary or required for the performance by the Company of its obligations
hereunder, in connection with the offering, issuance or sale of the Securities hereunder or the consummation of the transactions
contemplated by this Agreement, except such as have been already obtained or as may be required under the 1933 Act or the 1933
Act Regulations or state securities 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">(xvii) <U>Possession
of Licenses and Permits</U>. The Company and its subsidiaries possess such permits, licenses, approvals, consents and other authorizations
(collectively, &ldquo;<I>Governmental Licenses</I>&rdquo;) issued by the appropriate federal, state, local or foreign regulatory
agencies or bodies necessary to conduct the business now operated by them; the Company and its subsidiaries are in compliance with
the terms and conditions of all such Governmental Licenses, except where the failure so to comply would not, singly or in the aggregate,
have a Material Adverse Effect; all of the Governmental Licenses are valid and in full force and effect, except where the invalidity
of such Governmental Licenses or the failure of such Governmental Licenses to be in full force and effect would not have a Material
Adverse Effect; and neither the Company nor any of its subsidiaries has received any notice of proceedings relating to the revocation
or modification of any such Governmental Licenses which, singly or in the aggregate, if the subject of an unfavorable decision,
ruling or finding, would result in a Material Adverse Effect. Neither the Company nor any of its subsidiaries has failed to file
with applicable regulatory authorities any statement, report, information or form required by any applicable law, regulation or
order, except where the failure to be so in compliance would not, individually or in the aggregate, have a Material Adverse Effect,
all such filings were in material compliance with applicable laws when filed and no material deficiencies have been asserted by
any regulatory commission, agency or authority with respect to any such filings or submissions.</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">(xviii) <U>Title
to Property</U>. The Company and its subsidiaries have good and marketable title to all real property owned by the Company and
its subsidiaries and good title to all other properties owned by them, in each case, free and clear of all mortgages, pledges,
liens, security interests, claims, restrictions or encumbrances of any kind except such as (a) are described in the General Disclosure
Package and the Prospectus or (b) do not, singly or in the aggregate, materially affect the value of such property and do not interfere
with the use made and proposed to be made of such property by the Company or any of its subsidiaries; and all of the leases and
subleases material to the business of the Company and its subsidiaries, considered as one enterprise, and under which the Company
or any of its subsidiaries holds properties described in the General Disclosure Package and the Prospectus, are in full force and
effect, and neither the Company nor any subsidiary has any notice of any material claim of any sort that has been asserted by anyone
adverse to the rights of the Company or any subsidiary under any of the leases or subleases</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">mentioned above, or affecting or questioning
the rights of the Company or such subsidiary to the continued possession of the leased or subleased premises under any such lease
or sublease.</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">(xix) <U>Compliance
with Applicable Laws</U>. Except as disclosed in the Registration Statement, the General Disclosure Package and the Prospectus,
the Company and its subsidiaries are conducting their respective businesses in compliance in all material respects with all federal,
state, local and foreign statutes, laws, rules, regulations, decisions, directives and orders applicable to them, (including, without
limitation, all regulations and orders of, or agreements with, the FRB), the Federal Deposit Insurance Corporation (the &ldquo;FDIC&rdquo;),
the Equal Credit Opportunity Act, the Fair Housing Act, the Community Reinvestment Act, the Home Mortgage Disclosure Act, all other
applicable fair lending laws or other laws relating to discrimination and the Bank Secrecy Act and Title III of the USA Patriot
Act), and neither the Company nor any of its subsidiaries has received any written or oral communication from any court, governmental
or administrative agency or body, asserting that the Company or any of its subsidiaries is not in material compliance with any
statute, law, rule, regulation, decision, directive or order, except where the asserted failure to comply would not result in a
Material Adverse 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">(xx) <U>Investment
Company Act</U>. Neither the Company nor any of its subsidiaries is or, after giving effect to the issuance and sale of the Securities
as herein contemplated and the application of the net proceeds therefrom as described in the General Disclosure Package and the
Prospectus, will be, an &ldquo;investment company&rdquo; or an entity &ldquo;controlled&rdquo; by an &ldquo;investment company&rdquo;
as such terms are defined in the Investment Company Act of 1940, as amended (the &ldquo;<I>1940 Act</I>&rdquo;).</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">(xxi) <U>Environmental
Laws</U>. Except as described in the Registration Statement and except as would not, singly or in the aggregate, result in a Material
Adverse Effect, (A) neither the Company nor any of its subsidiaries is in violation of any federal, state, local or foreign statute,
law, rule, regulation, ordinance, code, policy or rule of common law or any judicial or administrative interpretation thereof,
including any judicial or administrative order, consent, decree or judgment, relating to pollution or protection of human health,
the environment (including, without limitation, ambient air, surface water, groundwater, land surface or subsurface strata) or
wildlife, including, without limitation, laws and regulations relating to the release or threatened release of chemicals, pollutants,
contaminants, wastes, toxic substances, hazardous substances, petroleum or petroleum products, asbestos-containing materials or
mold (collectively, &ldquo;<I>Hazardous Materials</I>&rdquo;) or to the manufacture, processing, distribution, use, treatment,
storage, disposal, transport or handling of Hazardous Materials (collectively, &ldquo;<I>Environmental Laws</I>&rdquo;), (B) the
Company and its subsidiaries have all permits, authorizations and approvals required under any applicable Environmental Laws and
are each in compliance with their requirements, (C) there are no pending or threatened administrative, regulatory or judicial actions,
suits, demands, demand letters, claims, liens, notices of noncompliance or violation, investigation or proceedings relating to
any Environmental Law against the Company or any of its subsidiaries and (D) there are no events or circumstances that might reasonably
be expected to form the basis of an order for clean-up or remediation, or an action, suit or proceeding by any private party or
governmental body or agency, against or affecting the Company or any of its subsidiaries relating to Hazardous Materials or any
Environmental 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">(xxii) <U>Taxes</U>.
The Company and each of the subsidiaries has (a) timely filed all material foreign, United States federal, state and local tax
returns, information returns, and similar reports that are required to be filed (taking into account valid extensions), and all
tax returns are true, correct and complete, (b) paid in full all taxes required to be paid by it and any other assessment, fine
or penalty levied against it, except for any such tax assessment, fine or penalty that is currently being contested in good faith
or as would not have, individually or in the aggregate, a Material Adverse Effect, and (c) established on the most recent balance
sheet reserves that are adequate for the payment of all taxes not yet due and payable.</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">(xxiii) <U>Insurance</U>.
The Company and its subsidiaries carry, or are covered by, insurance in such amounts and covering such risks as the Company reasonably
believes are adequate for the conduct of the business of the Company and its subsidiaries and the value of their properties and
as are customary in the business in which the Company and its subsidiaries are engaged; neither the Company nor any of its subsidiaries
has been refused any insurance coverage sought or applied for; and the Company has no reason to believe that they will not be able
to renew their existing insurance coverage as and when such coverage expires or to obtain similar coverage from similar insurers
as may be necessary to continue its business at a cost that would not have a Material Adverse Effect.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(xxiv) <U>Statistical
and Market Data</U>. The statistical and market related data contained in the General Disclosure Package, Prospectus and Registration
Statement are based on or derived from sources which the Company believes are reliable and accurate.</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">(xxv) <U>Relationship</U>.
No relationship, direct or indirect, exists between or among the Company or any of its subsidiaries, on the one hand, and the directors,
officers, shareholders, customers or suppliers of the Company or any of its subsidiaries, on the other, that is required by the
1933 Act or by the rules and regulations of the Commission thereunder to be described in the Registration Statement, General Disclosure
Package and/or the Prospectus and that is not so described.</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">(xxvi) <U>Internal
Control Over Financial Reporting</U>. The Company and each of its subsidiaries maintains a system of internal accounting controls
sufficient to provide reasonable assurance that (A) transactions are executed in accordance with management&rsquo;s general or
specific authorizations; (B) transactions are recorded as necessary to permit preparation of financial statements in conformity
with generally accepted accounting principles and to maintain asset accountability; (C) access to assets is permitted only in accordance
with management&rsquo;s general or specific authorization; (D) the recorded accountability for assets is compared with the existing
assets at reasonable intervals and appropriate action is taken with respect to any differences; and (E) the interactive data in
eXtensible Business Reporting Language included or incorporated by reference in the Registration Statement is accurate and has
been prepared in accordance with the Commission&rsquo;s rules and guidelines applicable thereto. Except as described in the Registration
Statement, General Disclosure Package and Prospectus, since the end of the Company&rsquo;s most recent audited fiscal year, there
has been (I) no material weakness in the Company&rsquo;s internal control over financial reporting (whether or not remediated)
and (II) no change in the Company&rsquo;s internal control over financial reporting that has materially affected, or is reasonably
likely to materially affect, the Company&rsquo;s internal control over financial reporting.</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">(xxvii) <U>Disclosure
Controls and Procedures</U>. The Company and its subsidiaries employ disclosure controls and procedures (as such term is defined
in Rule 13a-15 under the 1934 Act), which (A) are designed to ensure that information required to be disclosed by the Company in
the reports that it files or submits under the 1934 Act is recorded, processed, summarized and reported within the time periods
specified in the Commission&rsquo;s rules and forms and that material information relating to the Company and its subsidiaries
is made known to the Company&rsquo;s principal executive officer and principal financial officer by others within the Company and
its subsidiaries to allow timely decisions regarding disclosure, and (B) are effective in all material respects to perform the
functions for which they were established. Based on the evaluation of the Company&rsquo;s and each subsidiary&rsquo;s disclosure
controls and procedures described above, the Company is not aware of (1) any significant deficiency in the design or operation
of internal controls which could adversely affect the Company&rsquo;s ability to record, process, summarize and report financial
data or any material weaknesses in internal controls or (2) any fraud, whether or not material, that involves management or other
employees who have a significant role in the Company&rsquo;s internal controls. Since the most recent evaluation of the Company&rsquo;s
disclosure controls and procedures described above, there have been no significant changes in internal controls or in other factors
that could significantly affect internal controls.</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">(xxviii) <U>Compliance
with the Sarbanes-Oxley Act</U>. There is and has been no failure on the part of the Company or any of the Company&rsquo;s directors
or officers, in their capacities as such, to comply in all material respects with any provision of the Sarbanes-Oxley Act of 2002
and the rules and regulations promulgated in connection therewith (the &ldquo;<I>Sarbanes-Oxley Act</I>&rdquo;), including Section
402 related to loans and Sections 302 and 906 related to certifications.</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">(xxix) <U>Pending
Procedures and Examinations</U>. The Registration Statement is not the subject of a pending proceeding or examination under Section
8(d) or 8(e) of the 1933 Act, and the Company is not the subject of a pending proceeding under Section 8A of the 1933 Act in connection
with the offering of the Securities.</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">(xxx) <U>Unlawful
Payments</U>. Neither the Company nor any of its subsidiaries nor, to the knowledge of the Company, any director, officer, agent,
employee or other person associated with or acting on behalf of the Company or any of its subsidiaries has (A) used any corporate
funds for any unlawful contribution, gift, entertainment or other unlawful expense relating to political activity; (B) made any
direct or indirect unlawful payment to any foreign or domestic government official or employee from corporate funds; (C) violated
or is in</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">violation of any provision of the Foreign
Corrupt Practices Act of 1977, as amended, and the rules and regulations thereunder; or (D) made any bribe, rebate, payoff, influence
payment, kickback or other unlawful 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">(xxxi) <U>No Registration
Rights</U>. Other than the Selling Shareholders, no person has the right to require the Company or any of its subsidiaries to register
any securities for sale under the 1933 Act by reason of the filing of the Registration Statement with the Commission or the issuance
and sale of the Securities to be sold by the Company 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">(xxxii) <U>No Stabilization
or Manipulation</U>. Neither the Company nor any of its subsidiaries, nor any affiliates of the Company or its subsidiaries, has
taken, <FONT STYLE="font-family: Times New Roman, Times, Serif">directly or indirectly, any action designed to or that could reasonably
be expected to cause or result in any stabilization or manipulation of the price of the Securities.</FONT></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">(xxxiii) <U>No Unauthorized
Use of Prospectus</U>. <FONT STYLE="font-family: Times New Roman, Times, Serif">The Company has not distributed and, prior to the
later to occur of (i) the Closing Time and (ii) completion of the distribution of the Securities, will not distribute any prospectus
(as such term is defined in the 1933 Act and the 1933 Act Regulations) in connection with the offering and sale of the Securities
other than the Registration Statement, any preliminary prospectus, the Prospectus or other materials, if any, permitted by the
1933 Act or by the 1933 Act Regulations and approved by Keefe Bruyette.</FONT></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">(xxxiv) <U>Forward-Looking
Statements</U>. No forward-looking statement (within the meaning of Section 27A of the 1933 Act and Section 21E of the 1934 Act)
contained in the Registration Statement, the General Disclosure Package and the Prospectus has been made or reaffirmed without
a reasonable basis or has been disclosed other than in good faith.</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">(xxxv) <U>[Reserved]</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">(xxxvi) <U>Fees</U>.
Other than as contemplated by this Agreement, there is no broker, finder or other party that is entitled to receive from the Company
or any subsidiary any brokerage or finder&rsquo;s fee or any other fee, commission or payment as a result of the transactions contemplated
by this Agreement.</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">(xxxvii) <U>ERISA</U>.
The Company and each of the subsidiaries or their &ldquo;ERISA Affiliates&rdquo; (as defined below) are in compliance in all material
respects with all presently applicable provisions of the Employee Retirement Income Security Act of 1974, as amended, including
the regulations and published interpretations thereunder (&ldquo;ERISA&rdquo;); no &ldquo;reportable event&rdquo; (as defined in
ERISA) has occurred with respect to any &ldquo;employee benefit plan&rdquo; (as defined in ERISA) for which the Company or any
of the subsidiaries or ERISA Affiliates would have any liability; the Company and each of the subsidiaries or their ERISA Affiliates
have not incurred and do not expect to incur liability under (i) Title IV of ERISA with respect to termination of, or withdrawal
from, any &ldquo;employee benefit plan&rdquo; or (ii) Sections 412, 4971, 4975 or 4980B of the United States Internal Revenue Code
of 1986, as amended, and the regulations and published interpretations thereunder (collectively the &ldquo;Code&rdquo;); and each
&ldquo;employee benefit plan&rdquo; for which the Company and each of its subsidiaries or any of their ERISA Affiliates would have
any liability that is intended to be qualified under Section 401(a) of the Code is so qualified in all material respects and nothing
as occurred, whether by action or by failure to act, which would cause the loss of such qualification. &ldquo;ERISA Affiliate&rdquo;
means, with respect to the Company or a subsidiary, any member of any group of organizations described in Sections 414(b), (c),
(m) or (o) of the Code or Section 400(b) of ERISA of which the Company or such subsidiary is a member.</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">(xxxviii) <U>Sanctions</U>.
Neither the Company nor any director, officer, agent, employee or affiliate of the Company is (a) currently subject to any U.S.
sanctions administered or enforced by the U.S. Department of Treasury&rsquo;s Office of Foreign Assets Control of the U.S. Treasury
Department, the United Nations Security Council, the European Union or other relevant sanctions authorities (collectively, &ldquo;<I>Sanctions</I>&rdquo;)
or (b) located, organized or resident in a country or territory that is the subject of such Sanctions (including, without limitation,
Burma/Myanmar, Cuba, Iran, North Korea, Sudan and Syria). The Company and its subsidiaries have not knowingly engaged in, are not
now knowingly engaged in, and will not engage in, any dealings or transactions with any person or entity, or in any country or
territory, that at the time of the dealing or transaction is or was the subject of Sanctions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 72pt">(xxxix) <U>Compliance
with Anti-Money Laundering Laws</U>. The operations of the Company and its subsidiaries are and have been conducted at all times
in material compliance with all applicable financial recordkeeping and reporting requirements, including, without limitation, those
of the Bank Secrecy Act, as amended by Title III of the Uniting and Strengthening America by Providing Appropriate Tools Required
to Intercept and Obstruct Terrorism Act of 2001 (&ldquo;<I>USA Patriot Act</I>&rdquo;), and the applicable anti-money laundering
statutes of jurisdictions where the Company and its subsidiaries conduct business, the rules and regulations thereunder and any
related or similar rules, regulations or guidelines, issued, administered or enforced by any governmental agency (collectively,
the &ldquo;<I>Anti-Money Laundering Laws</I>&rdquo;), and no action, suit, or proceeding by or before any court or governmental
agency, authority or body or any arbitrator involving the Company or any of its subsidiaries with respect to the Anti-Money Laundering
Laws is pending or, to the knowledge of the Company, threatened.</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">(xl) <U>Capitalization
Requirements</U>. As of the date of this Agreement, the Company&rsquo;s insured depository institution subsidiary is &ldquo;well
capitalized&rdquo; (as that term is defined at 12 C.F.R. 6.4(b)(1)), and met or exceeded all applicable regulatory capital requirements.
Neither the Company nor any of its subsidiaries is, nor is the Company or any of its subsidiaries aware of any facts or circumstances
that exist that would cause the Company or any subsidiary to be, (i) not in satisfactory compliance in any material respect with
the Community Reinvestment Act of 1977, as amended (the &ldquo;<I>Community Reinvestment Act</I>&rdquo;), and the regulations promulgated
thereunder, or to be assigned a rating for Community Reinvestment Act purposes by federal or state bank regulators of lower than
&ldquo;satisfactory,&rdquo; or (ii) not in satisfactory compliance in any respect with the applicable privacy of customer information
requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the
Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program
adopted by the Bank, pursuant to 12 C.F.R. Part 364.</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">(xli) <U>Deposit Insurance</U>.
Any deposit accounts issued by the insured depositary subsidiary of the Company are insured by the FDIC up to the legal maximum,
each such subsidiary has paid all premiums and assessments required by the FDIC and the regulations thereunder and no proceeding
for the termination or revocation of such insurance is pending, or to the knowledge of the Company, threatened.</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">(xlii) <U>Derivative
Securities</U>. Except as has or would not reasonably be expected to result in a Material Adverse Effect, since January 1, 2011,
all material swaps, caps, floors, futures, forward contracts, option agreements (other than employee stock options) and other derivative
financial instruments, contracts or arrangements, whether entered into for the account of the Company or one of its subsidiaries
or for the account of a customer of the Company or one of its subsidiaries, were entered into in the ordinary course of business
and in accordance and in all material respects with applicable laws, rules, regulations and policies of all applicable regulatory
agencies and with counterparties believed to be financially responsible at the time. The Company and each of its subsidiaries have
duly performed in all material respects all of their obligations thereunder to the extent that such obligations to perform have
accrued. Neither the Company nor any of its subsidiaries, nor, to the knowledge of the Company, any other party thereto, is in
breach of its material obligations under any such agreement or arrangement.</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">(b) <I>Representations
and Warranties by the Selling Shareholders. </I>Each Selling Shareholder severally represents and warrants to each Underwriter
as of the date hereof and as of the Closing Time, and agrees with each Underwriter, as follows:</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">(i) <U>Accurate Disclosure</U>.
Such Selling Shareholder has reviewed and is familiar with the Registration Statement, the General Disclosure Package and the Prospectus
and neither the General Disclosure Package, Prospectus nor any amendments or supplements thereto includes any untrue statement
of a material fact or omits to state a material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading; <U>provided</U>, <U>however</U>, that the foregoing representation shall apply only
to any untrue statement or omission made in reliance upon and in conformity with written information furnished to the Company by
such Selling Shareholder expressly for use in the Registration Statement, the General Disclosure Package and the Prospectus (or
any amendment or supplement thereto); provided that the parties acknowledge and agree that the only written information that the
Selling Shareholders have furnished to the Company expressly for use in the Registration Statement, the General Disclosure Package
and the Prospectus (or any amendment or supplement thereto) is the following information included in the section entitled &ldquo;Selling
Shareholders&rdquo; in the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Prospectus: (A) the legal name and address
of such Selling Shareholder, (B) the number of Securities beneficially owned by such Selling Shareholder before and after the offering,
(C) the number of Securities being offered by such Selling Shareholder, and (D) the other information in the footnotes corresponding
to the foregoing information, in each case, that appears in the table under the caption &ldquo;Selling Shareholders&rdquo;; such
Selling Shareholder is not prompted to sell the Securities to be sold by such Selling Shareholder hereunder by any information
concerning the Company or any subsidiary of the Company which is not set forth in the General Disclosure Package or the Prospectus.</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">(ii) <U>Authorization
of Agreements</U>. Such Selling Shareholder has the full right, power and authority to enter into this Agreement and a Power of
Attorney and Custody Agreement in connection herewith (collectively, the &ldquo;<I>Power of Attorney and Custody Agreement</I>&rdquo;)
and to sell, transfer and deliver the Securities to be sold by such Selling Shareholder hereunder. The execution and delivery of
this Agreement and the Power of Attorney and Custody Agreement by such Selling Shareholder and the sale and delivery of the Securities
to be sold by such Selling Shareholder and the consummation by such Selling Shareholder of the transactions contemplated herein
and compliance by such Selling Shareholder with its obligations hereunder have been duly authorized by or on behalf of such Selling
Shareholder and do not and will not, whether with or without the giving of notice or passage of time or both, conflict with or
constitute a breach of, or default under, or result in the creation or imposition of any tax, lien, charge or encumbrance upon
the Securities to be sold by such Selling Shareholder or any property or assets of such Selling Shareholder pursuant to any contract,
indenture, mortgage, deed of trust, loan or credit agreement, note, license, lease or other agreement or instrument to which such
Selling Shareholder is a party or by which such Selling Shareholder is bound, or to which any of the property or assets of such
Selling Shareholder is subject, nor will such action result in any violation of the provisions of the charter or by-laws or other
organizational instrument of such Selling Shareholder, if applicable, or any applicable treaty, law, statute, rule, regulation,
judgment, order, writ or decree of any government, government instrumentality or court, domestic or foreign, having jurisdiction
over such Selling Shareholder or any of its properties.</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">(iii) <U>Good and
Marketable Title</U>. Such Selling Shareholder has and will at the Closing Time have good and marketable title to the Securities
to be sold by such Selling Shareholder hereunder, free and clear of any security interest, mortgage, pledge, lien, charge, claim,
equity or encumbrance of any kind, other than pursuant to this Agreement.</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">(iv) <U>Due
Execution of Power of Attorney and Custody Agreement</U>. Such Selling Shareholder has duly executed and delivered, in the
form heretofore furnished to the Representative, the Power of Attorney and Custody Agreement with Lawrence B. Seidman, as
attorney-in-fact (in such capacity, the &ldquo;Attorney-in-Fact&rdquo;) and Broadridge Corporate Issuer Solutions, as custodian (the
&ldquo;Custodian&rdquo;) and the Power of Attorney and Custody Agreement constitute valid and legally binding obligations of
such Selling Shareholder enforceable in accordance with their terms, subject to bankruptcy, insolvency, fraudulent transfer,
reorganization, moratorium or similar laws of general applicability relating to or affecting creditors&rsquo; rights and to
general equity 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">(v) <U>Absence of
Manipulation</U>. Such Selling Shareholder has not taken, and will not take, directly or indirectly, any action which is designed
to or which has constituted or which would reasonably be expected to cause or result in stabilization or manipulation of the price
of any security of the Company to facilitate the sale or resale of the Securities.</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">(vi) <U>Absence of
Further Requirements</U>. No filing with, or consent, approval, authorization, order, registration, qualification or decree of,
any court or governmental authority or agency, domestic or foreign, is necessary or required for the performance by such Selling
Shareholder of its obligations hereunder or in the Power of Attorney and Custody Agreement, or in connection with the sale and
delivery by such Selling Shareholder of the Securities hereunder or the consummation by such Selling Shareholder of the transactions
contemplated by this Agreement, except such as may have previously been made or obtained or as may be required under the 1933 Act
or the 1933 Act Regulations or state securities 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">(vii) <U>Restriction
on Sale of Securities</U>. During a period of 90 days from the date of the Prospectus, such Selling Shareholder will not, without
the prior written consent of Keefe Bruyette or except as otherwise permitted in the form of lock-up agreement attached as <U>Exhibit
C</U> hereto, (i) offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract
to sell, grant any option, right or warrant</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to purchase or otherwise transfer or dispose
of, directly or indirectly, any share of Common Stock or any securities convertible into or exercisable or exchangeable for Common
Stock or file any registration statement under the 1933 Act with respect to any of the foregoing or (ii) enter into any swap or
any other agreement or any transaction that transfers, in whole or in part, directly or indirectly, the economic consequence of
ownership of the Common Stock, whether any such swap or transaction described in clause (i) or (ii) above is to be settled by delivery
of Common Stock or such other securities, in cash or otherwise. The foregoing sentence shall not apply to the Securities to be
sold 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">(viii) [<U>Reserved</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">(ix) <U>Deliveries
of Securities</U>. Upon payment of the purchase price for the Securities to be sold by such Selling Shareholder pursuant to this
Agreement, delivery of such Securities, as directed by the Underwriters, to Cede &amp; Co. (&ldquo;<I>Cede</I>&rdquo;) or such
other nominee as may be designated by The Depository Trust Company (&ldquo;<I>DTC</I>&rdquo;), registration of such Securities
in the name of Cede or such other nominee, and the crediting of such Securities on the books of DTC to securities accounts (as
defined in Section 8-501 of the Uniform Commercial Code as in effect in the State of New York (the &ldquo;<I>UCC</I>&rdquo;)) of
the Underwriters (assuming that neither DTC nor any such Underwriter has notice of any &ldquo;adverse claim,&rdquo; within the
meaning of Section 8-105 of the UCC, to any such Securities), (A) DTC shall be a &ldquo;protected purchaser,&rdquo; within the
meaning of Section 8-303 of the UCC, of such Securities and will acquire its interest in the Securities (including, without limitation,
all rights that such Selling Shareholder had or has the power to transfer in such Securities) free and clear of any adverse claim
within the meaning of Section 8-102 of the UCC, (B) under Section 8-501 of the UCC, the Underwriters will acquire a valid security
entitlement in respect of such Securities and (C) no action (whether framed in conversion, replevin, constructive trust, equitable
lien or other theory) based on any &ldquo;adverse claim,&rdquo; within the meaning of Section 8-102 of the UCC, to such Securities
may be validly asserted against the Underwriters with respect to such security entitlement; for purposes of this representation,
such Selling Shareholder may assume that when such payment, delivery and crediting occur, (x) such Securities will have been registered
in the name of Cede or another nominee designated by DTC, in each case on the Company&rsquo;s share registry in accordance with
its certificate of incorporation, bylaws and applicable law, (y) DTC will be registered as a &ldquo;clearing corporation,&rdquo;
within the meaning of Section 8-102 of the UCC and (z) appropriate entries to the accounts of the several Underwriters on the records
of DTC will have been made pursuant to the UCC.</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">(x) <U>No Association
with NASD</U>. Neither such Selling Shareholder nor any of his, her or its affiliates directly, or indirectly through one or more
intermediaries, controls, or is controlled by, or is under common control with, or has any other association with (within the meaning
of Article I, Section 1(m) of the By-laws of the National Association of Securities Dealers, Inc.), any member firm of the National
Association of Securities Dealers, Inc.</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">(xi) <U>Selling Shareholder
Free Writing Prospectuses</U>. Each Selling Shareholder represents and agrees that, without the prior consent of Keefe Bruyette,
it has not made and will not make any offer relating to the Securities that would constitute a &ldquo;free writing prospectus,&rdquo;
as defined in Rule 405 of the 1933 Act Regulations (any such &ldquo;free writing prospectus&rdquo; of any Selling Shareholder in
connection with the offer of the Securities, a &ldquo;<I>Selling Shareholder Free Writing Prospectus</I>&rdquo;), and it has not
used, referred to, or distributed, and will not use, refer to or distribute, any such Selling Shareholder Free Writing Prospectus.
Any Selling Shareholder Free Writing Prospectus consented to by the Representative is hereinafter referred to as a Selling Shareholder
Permitted Free Writing Prospectus. Such Selling Shareholder represents that it has complied and will comply with the requirements
of Rule 433 of the 1933 Act Regulations applicable to any Selling Shareholder Permitted Free Writing Prospectus of such Selling
Shareholder, including timely filing with the Commission where required, legending and record keeping.</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">(c) <I>Officer&rsquo;s
Certificates. </I>Any certificate signed by any officer of the Company or any of its subsidiaries delivered to the Representative
or to counsel for the Underwriters shall be deemed a representation and warranty by the Company to each Underwriter as to the matters
covered thereby; and any certificate signed by or on behalf of any Selling Shareholder as such and delivered to the Representative
or to counsel for the Underwriters pursuant to the terms of this Agreement shall be deemed a representation and warranty by such
Selling Shareholder to the Underwriters as to the matters covered thereby.</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: 36pt">SECTION 2. <U>Sale
and Delivery to Underwriters; Closing</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(a) <I>Securities.
</I>On the basis of the representations and warranties herein contained and subject to the terms and conditions herein set forth,
each Selling Shareholder, severally and not jointly, agrees to sell to each Underwriter, and each Underwriter, severally and not
jointly, agrees to purchase from each Selling Shareholder, at the price per share set forth in <U>Schedule D</U>, the number of
Securities that bears the same proportion to the number of Securities to be sold by such Selling Shareholder as the number of Securities
set forth in <U>Schedule A</U> opposite the name of such Underwriter bears to the total number of Securities, subject to such adjustments
among the Underwriters as the Representative in its sole discretion shall make to eliminate any sales or purchases of fractional
securities.</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: 36pt">(b) <I>Payment. </I>Payment
of the purchase price for, and delivery of, the Securities shall be made at the offices of Day Pitney LLP, One Jefferson
Road, Parsippany, New Jersey, 07054, or at such other place as shall be agreed upon by the Representative and the Company and
the Selling Shareholders, at 9:00 A.M. (Eastern time) on the third business day after the date hereof (unless postponed in
accordance with the provisions of <U>Section 10</U> or <U>Section 11</U>), or such other time not later than ten business
days after such date as shall be agreed upon by the Representative, the Company and the Selling Shareholders (such time and
date of payment and delivery being herein called the &ldquo;Closing Time&rdquo;).</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: 36pt">Payment shall be made
to the Selling Shareholders by wire transfer of immediately available funds to a bank account designated by the Custodian pursuant
to each Selling Shareholder&rsquo;s Power of Attorney and Custody Agreement, as the case may be, against delivery to the Representative
for the respective accounts of the Underwriters of the Securities to be purchased by them. It is understood that each Underwriter
has authorized the Representative, for its account, to accept delivery of, receipt for, and make payment of the purchase price
for, the Securities which it has agreed to purchase. Keefe Bruyette, individually and not as representative of the Underwriters,
may (but shall not be obligated to) make payment of the purchase price for the Securities to be purchased by any Underwriter whose
funds have not been received by the Closing Time but such payment shall not relieve such Underwriter from its obligations hereunder.</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: 36pt">(c) <I>Denominations;
Registration. </I>The Securities shall be in such denominations and registered in such names as the Representative may request
in writing at least one full business day before the Closing Time.</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: 36pt">SECTION 3. <U>Covenants
of the Company</U>. The Company covenants with each Underwriter as follows:</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: 36pt">(a) <I>Compliance
with Securities Regulations and Commission Requests. </I>The Company, subject to <U>Section 3(b)</U>, will comply with the requirements
of Rule 430A, and will notify the Representative immediately, and confirm the notice in writing, (i) when any post-effective amendment
to the Registration Statement shall become effective, or any supplement to the Prospectus or any amended Prospectus shall have
been filed, (ii) of the receipt of any comments from the Commission, (iii) of any request by the Commission for any amendment to
the Registration Statement or any amendment or supplement to the Prospectus or for additional information, (iv) of the issuance
by the Commission of any stop order suspending the effectiveness of the Registration Statement or of any order preventing or suspending
the use of any preliminary prospectus, or of the suspension of the qualification of the Securities for offering or sale in any
jurisdiction, or of the initiation or threatening of any proceedings for any of such purposes or of any examination pursuant to
Section 8(e) of the 1933 Act concerning the Registration Statement and (v) if the Company becomes the subject of a proceeding under
Section 8A of the 1933 Act in connection with the offering of the Securities. The Company will promptly effect the filings necessary
pursuant to Rule 424(b) in the manner and within the time period required by Rule 424(b) (without reliance on Rule 424(b)(8)) and
will take such steps as it deems necessary to ascertain promptly whether the form of prospectus transmitted for filing under Rule
424(b) was received for filing by the Commission and, in the event that it was not, it will promptly file such prospectus. The
Company will make every reasonable effort to prevent the issuance of any stop order and, if any stop order is issued, to obtain
the lifting thereof at the earliest possible moment.</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: 36pt">(b) <I>Filing of Amendments.
</I>The Company will give the Representative notice of its intention to file or prepare any amendment to the Registration Statement
(including any filing under Rule 462(b)), or any amendment, supplement or revision to either any preliminary prospectus (including
the prospectus included in the Registration</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Statement at the time it became effective)
or to the Prospectus, whether pursuant to the 1933 Act, the 1934 Act or otherwise, will furnish the Representative with copies
of any such documents a reasonable amount of time prior to such proposed filing or use, as the case may be, and will not file or
use any such document to which the Representative or counsel for the Underwriters shall object.</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">(c) <I>Delivery of
Registration Statements. </I>The Company has furnished or will deliver to the Representative and counsel for the Underwriters,
without charge, signed copies of the Registration Statement as originally filed and of each amendment thereto (including exhibits
filed therewith or incorporated by reference therein and documents incorporated or deemed to be incorporated by reference therein)
and signed copies of all consents and certificates of experts, and will also deliver to the Representative, without charge, a conformed
copy of the Registration Statement as originally filed and of each amendment thereto (without exhibits) for each of the Underwriters.
The copies of the Registration Statement and each amendment thereto furnished to the Underwriters will be identical to the electronically
transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation S-T.</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: 36pt">(d) <I>Delivery of
Prospectuses. </I>The Company has delivered to each Underwriter, without charge, as many copies of each preliminary prospectus
as such Underwriter reasonably requested, and the Company hereby consents to the use of such copies for purposes permitted by the
1933 Act. The Company will furnish to each Underwriter, without charge, during the period when the Prospectus is required to be
delivered under the 1933 Act or the 1934 Act, such number of copies of the Prospectus (as amended or supplemented) as such Underwriter
may reasonably request. The Prospectus and any amendments or supplements thereto furnished to the Underwriters will be identical
to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by
Regulation S-T.</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: 36pt">(e) <I>Continued
Compliance with Securities Laws. </I>The Company will comply with the 1933 Act and the 1933 Act Regulations and the 1934 Act and
the 1934 Act Regulations so as to permit the completion of the distribution of the Securities as contemplated in this Agreement
and in the Prospectus. If at any time when a prospectus is required by the 1933 Act to be delivered in connection with sales of
the Securities, any event shall occur or condition shall exist as a result of which it is necessary, in the opinion of counsel
for the Underwriters or for the Company, to amend the Registration Statement or amend or supplement the Prospectus in order that
the Prospectus will not include any untrue statements of a material fact or omit to state a material fact necessary in order to
make the statements therein not misleading in the light of the circumstances existing at the time it is delivered to a purchaser,
or if it shall be necessary, in the opinion of such counsel, at any such time to amend the Registration Statement or amend or supplement
the Prospectus in order to comply with the requirements of the 1933 Act or the 1933 Act Regulations, the Company will promptly
prepare and file with the Commission, subject to <U>Section 3(b)</U>, such amendment or supplement as may be necessary to correct
such statement or omission or to make the Registration Statement or the Prospectus comply with such requirements, and the Company
will furnish to the Underwriters such number of copies of such amendment or supplement as the Underwriters may reasonably request.
If at any time following issuance of an Issuer-Represented Free Writing Prospectus there occurred or occurs an event or development
as a result of which such Issuer-Represented Free Writing Prospectus conflicted or would conflict with the information contained
in the Registration Statement or included or would include an untrue statement of a material fact or omitted or would omit to state
a material fact necessary in order to make the statements therein, in the light of the circumstances prevailing at that subsequent
time, not misleading, the Company has promptly notified or will promptly notify the Representative and has promptly amended or
will promptly amend or supplement, at its own expense, such Issuer-Represented Free Writing Prospectus to eliminate or correct
such conflict, untrue statement or omission.</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: 36pt">(f) <I>Blue Sky Qualifications.
</I>The Company will use its best efforts, in cooperation with the Underwriters, to qualify the Securities for offering and sale
under the applicable securities laws of such states and other jurisdictions (domestic or foreign) as the Representative may designate
and to maintain such qualifications in effect for a period of not less than one year from the later of the effective date of the
Registration Statement and any Rule 462(b) Registration Statement; provided, however, that the Company shall not be obligated to
file any general consent to service of process or to qualify as a foreign corporation or as a dealer in securities in any jurisdiction
in which it is not so qualified or to subject itself to taxation in respect of doing business in any jurisdiction in which it is
not otherwise so subject. In each jurisdiction in which the Securities have been so qualified, the Company will file such statements
and reports as may be required by the laws of such jurisdiction to continue such qualification in</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">effect for a period of not less than one
year from the effective date of the Registration Statement and any Rule 462(b) Registration Statement. The Company will also supply
the Underwriters with such information as is necessary for the determination of the legality of the Securities for investment under
the laws of such jurisdiction as the Underwriters may request.</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">(g) <I>Rule 158.
</I>The Company will timely file such reports pursuant to the 1934 Act as are necessary in order to make generally available to
its securityholders as soon as practicable an earnings statement for the purposes of, and to provide the benefits contemplated
by, the last paragraph of Section 11(a) of the 1933 Act.</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: 36pt">(h) <I>Listing. </I>The
Company will use its best efforts to effect and maintain the listing of the Securities on the NASDAQ Global Select Market (&ldquo;<I>NASDAQ</I>&rdquo;).</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: 36pt">(i) [<U>Reserved</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: 36pt">(j) <I>Reporting
Requirements. </I>The Company, during the period when the Prospectus is required to be delivered under the 1933 Act or the 1934
Act, will file all documents required to be filed with the Commission pursuant to the 1934 Act within the time periods required
by the 1934 Act and the 1934 Act Regulations.</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: 36pt">(l) <I>Issuer Free
Writing Prospectus</I>. The Company represents and agrees that, unless it obtains the prior consent of the Representative, it has
not made and will not make any offer relating to the Securities that would constitute an &ldquo;issuer free writing prospectus,&rdquo;
as defined in Rule 433, or that would otherwise constitute a &ldquo;free writing prospectus,&rdquo; as defined in Rule 405, required
to be filed with the Commission. Any such free writing prospectus consented to by the Representative is hereinafter referred to
as an &ldquo;<I>Issuer</I> <I>Permitted Free Writing Prospectus</I>&rdquo; and, collectively with any Selling Shareholder Permitted
Free Writing Prospectuses, the &ldquo;<I>Permitted Free Writing Prospectuses</I>.&rdquo; The Company represents that it has treated
or agrees that it will treat each Permitted Free Writing Prospectus as an &ldquo;issuer free writing prospectus,&rdquo; as defined
in Rule 433, and has complied and will comply with the requirements of Rule 433 applicable to any Permitted Free Writing Prospectus,
including timely filing with the Commission where required, legending and record keeping.</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: 36pt">SECTION 4. <U>Payment
of Expenses</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: 36pt">(a) <I>Expenses.
</I>The Company will pay or cause to be paid all expenses incident to the performance of its obligations under this Agreement,
including (i) the preparation, printing and filing of the Registration Statement (including financial statements and exhibits)
as originally filed and of each amendment thereto, (ii) the preparation, printing and delivery to the Underwriters of this Agreement,
any agreement among Underwriters and such other documents as may be required in connection with the offering, purchase, sale, issuance
or delivery of the Securities, (iii) the preparation, issuance and delivery of the certificates for the Securities to the Underwriters,
including any stock or other transfer taxes and any stamp or other duties payable upon the sale, issuance or delivery of the Securities
to the Underwriters, (iv) the fees and disbursements of the Company&rsquo;s counsel, accountants and other advisors, (v) the qualification
of the Securities under securities laws in accordance with the provisions of <U>Section 3(f)</U> hereof, including filing fees
and the reasonable fees and disbursements of counsel for the Underwriters in connection therewith and in connection with the preparation
of the Blue Sky Survey and any supplement thereto, (vi) the printing and delivery to the Underwriters of copies of each preliminary
prospectus, any Permitted Free Writing Prospectus and of the Prospectus and any amendments or supplements thereto (including any
costs associated with electronic delivery of these materials), (vii) the preparation, printing and delivery to the Underwriters
of copies of the Blue Sky Survey and any supplement thereto, (viii) the fees and expenses of any transfer agent or registrar for
the Securities, (ix) the costs and expenses of the Company relating to investor presentations on any &ldquo;road show&rdquo; undertaken
in connection with the marketing of the Securities, including without limitation, expenses associated with the production of road
show slides and graphics, fees and expenses of any consultants engaged in connection with the road show presentations, travel and
lodging expenses of the representatives and officers of the Company and any such consultants, and the cost of aircraft and other
transportation chartered in connection with the road show, (x) the filing fees incident to the review by the National Association
of Securities Dealers, Inc. (the &ldquo;NASD&rdquo;) of the terms of the sale of the Securities, (xi) the reasonable fees and disbursements
of counsel to the Underwriters in connection with the review by the NASD of the terms of the sale of the Securities, (xii) the
fees and expenses of the Custodian and the Attorney-in-Fact and expenses associated with communications with and collection of
documents from each Selling Shareholder, (xiii) all costs and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">expenses of the Underwriters, (xiv) the
fees and disbursements of counsel for the Selling Shareholders (not to exceed $35,000) and (xv) all other costs and expenses incident
to the performance of its respective obligations hereunder which are not otherwise specifically provided for in this <U>Section
4(a)</U>; <U>provided</U>, <U>however</U>, that the Company&rsquo;s obligations to pay the expenses described in items (xi), (xii)
and (xiii) above is capped at a total of $100,000, and any expenses in excess of that amount will be paid by the Selling Shareholders.</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">(b) <I>Expenses of
the Selling Shareholders.</I> The Selling Shareholders, jointly and severally, will pay all expenses incident to the performance
of their respective obligations under, and the consummation of the transactions contemplated by this Agreement, including (i) any
stamp duties, capital duties and stock transfer taxes, if any, payable upon the sale of the Securities to the Underwriters, and
their transfer between the Underwriters pursuant to an agreement between such Underwriters, and (ii) except as otherwise provided
in <U>Section 4(a)(xiii)</U>, the fees and disbursements of their respective counsel, accountants and other advisors, if any.</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: 36pt">(c) <I>Termination
of Agreement. </I>If this Agreement is terminated by the Representative in accordance with the provisions of <U>Section 5</U>,
<U>Section 9(a)(i)</U> or <U>Section 11</U> hereof, the Company shall reimburse the Underwriters for all of their out-of-pocket
expenses, including the reasonable fees and disbursements of counsel for the Underwriters.</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: 36pt">(d) <I>Allocation
of Expenses. </I>The provisions of this Section shall not affect any agreement that the Company and the Selling Shareholders may
make or have made for the sharing of such costs and expenses.</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: 36pt">SECTION 5. <U>Conditions
of Underwriters&rsquo; Obligations</U>. The obligations of the several Underwriters hereunder are subject to the accuracy of the
representations and warranties of the Company and the Selling Shareholders contained in <U>Section 1</U> hereof or in certificates
of any officer of the Company or any subsidiary of the Company or on behalf of any Selling Shareholder delivered pursuant to the
provisions hereof, to the performance by the Company of its covenants and other obligations hereunder, and to the following further
conditions:</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: 36pt">(a) <I>Effectiveness
of Registration Statement. </I>The Registration Statement, including any Rule 462(b) Registration Statement, has become effective
and at the Closing Time no stop order suspending the effectiveness of the Registration Statement shall have been issued under the
1933 Act or proceedings therefor initiated or threatened by the Commission, and any request on the part of the Commission for additional
information shall have been complied with to the reasonable satisfaction of counsel to the Underwriters. A prospectus containing
the Rule 430A Information shall have been filed with the Commission in the manner and within the time period required by Rule 424(b)
of the 1933 Act Regulations (without reliance on Rule 424(b)(8)) (or a post-effective amendment providing such information shall
have been filed and declared effective in accordance with the requirements of Rule 430A).</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: 36pt">(b) <I>Opinion of
Counsel for Company. </I>At the Closing Time, the Representative shall have received the opinion, dated as of the Closing Time,
of Windels Marx Lane &amp; Mittendorf, LLP, counsel for the Company, in form and substance reasonably satisfactory to counsel for
the Underwriters, together with signed or reproduced copies of such letter for each of the other Underwriters to the effect set
forth in <U>Exhibit A</U> hereto and to such further effect as counsel to the Underwriters may reasonably request.</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: 36pt">(c) <I>Opinion of
Counsel for the Selling Shareholders. </I>At the Closing Time, the Representative shall have received the opinion, dated as of
the Closing Time, of (i) Olshan Frome Wolosky LLP, counsel for the Selling Shareholders (with the exception of LSBK06-8, L.L.C.),
and (ii) Cohen, Norris, Wolmer, Ray, Telepman &amp; Cohen, counsel for LSBK06-8, L.L.C., in each case, in form and substance reasonably
satisfactory to counsel for the Underwriters, together with signed or reproduced copies of such letter for each of the other Underwriters
to the effect set forth in <U>Exhibit B</U> hereto and to such further effect as counsel to the Underwriters may reasonably request.</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: 36pt">(d) <I>Opinion of
Counsel for Underwriters. </I>At the Closing Time, the Representative shall have received the opinion, dated as of the Closing
Time, of Day Pitney, LLP, counsel for the Underwriters, in form and substance satisfactory to the Representative, together with
signed or reproduced copies of such letter for each of the other Underwriters. In giving such opinion such counsel may rely, as
to all matters governed by the laws of jurisdictions other than the law of the State of New York and the federal law of the United
States, upon the opinions of counsel satisfactory to the Representative. Such counsel may also state that, insofar as such opinion
involves</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">factual matters, they have relied, to the
extent they deem proper, upon certificates of officers of the Company and its subsidiaries and certificates of public officials.</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">(e) <I>Officers&rsquo;
Certificate. </I>At the Closing Time, there shall not have been, since the date hereof or since the respective dates as of which
information is given in the preliminary prospectus, the General Disclosure Package or the Prospectus as of the execution of this
Agreement or the Applicable Time, any material adverse change in the condition, financial or otherwise, or in the earnings or business
of the Company and its subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business, and
the Representative shall have received a certificate of the President or a Vice President of the Company and of the chief financial
or chief accounting officer of the Company, dated as of the Closing Time, to the effect that (i) there has been no such material
adverse change, (ii) the representations and warranties in <U>Section 1(a)</U> hereof are true and correct with the same force
and effect as though expressly made at and as of the Closing Time, (iii) the Company has complied with all agreements and satisfied
all conditions on its part to be performed or satisfied at or prior to the Closing Time, and (iv) no stop order suspending the
effectiveness of the Registration Statement has been issued and no proceedings for that purpose have been instituted or are pending
or, to the knowledge of the Company, are threatened by the Commission.</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: 36pt">(f) <I>Certificate
of Selling Shareholders. </I>At the Closing Time, the Representative shall have received a certificate of an Attorney-in-Fact on
behalf of each Selling Shareholder, dated as of the Closing Time, to the effect that (i) the representations and warranties of
each Selling Shareholder contained in <U>Section 1(b)</U> hereof are true and correct in all respects with the same force and effect
as though expressly made at and as of the Closing Time and (ii) each Selling Shareholder has complied in all material respects
with all agreements and all conditions on its part to be performed under this Agreement at or prior to the Closing Time.</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: 36pt">(g) <I>Accountant&rsquo;s
Comfort Letter. </I>At the time of the execution of this Agreement, the Representative shall have received from Crowe Horwath LLP,
BDO USA, LLP and ParenteBeard LLC, in each case, a letter dated such date, in form and substance reasonably satisfactory to the
Representative, together with signed or reproduced copies of such letter for each of the other Underwriters containing statements
and information of the type ordinarily included in accountants&rsquo; &ldquo;comfort letters&rdquo; to underwriters with respect
to the financial statements and certain financial information contained in the Registration Statement and the Prospectus.</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: 36pt">(h) <I>Bring-down
Comfort Letter. </I>At the Closing Time, the Representative shall have received from Crowe Horwath LLP, BDO USA, LLP and ParenteBeard
LLC, in each case, a letter, dated as of the Closing Time, to the effect that they reaffirm the statements made in the letter furnished
pursuant to subsection (g) of this Section, except that the specified date referred to shall be a date not more than three business
days prior to the Closing Time.</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: 36pt">(i) <I>Approval of
Listing. </I>The Common Stock (including the Securities) is registered pursuant to Section 12(b) of the 1934 Act and is listed
on NASDAQ, and the Company has taken no action designed to, or likely to have the effect of, terminating the registration of the
Common Stock under the 1934 Act or delisting the Common Stock from NASDAQ, nor has the Company received any notification that the
Commission or NASDAQ is contemplating terminating such registration or listing.</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: 36pt">(j) <I>No Objection.
</I>FINRA shall have confirmed that it has not raised any objection with respect to the fairness and reasonableness of the underwriting
terms and arrangements with respect to the offering of the Securities.</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: 36pt">(k) <I>Lock-up Agreements.
</I>At the date of this Agreement, the Representative shall have received an agreement substantially in the form of <U>Exhibit
C</U> hereto signed by each of the Selling Shareholders listed on <U>Schedule B</U> hereto.</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: 36pt">(l) <I>Delivery of
Prospectus. </I>The Company shall have complied with the provisions hereof with respect to the furnishing of prospectuses, in electronic
or printed format, on the New York business day next succeeding the date of this Agreement.</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: 36pt">(m) <I>No Termination
Event. </I>On or after the date hereof, there shall not have occurred any of the events, circumstances or occurrences set forth
in <U>Section 9(a)</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(n) <I>Additional
Documents</I>. At the Closing Time, counsel for the Underwriters shall have been furnished with such documents and opinions as
they may reasonably require for the purpose of enabling them to pass upon the issuance and sale of the Securities as herein contemplated,
or in order to evidence the accuracy of any of the representations or warranties, or the fulfillment of any of the conditions,
herein contained; and all proceedings taken by the Company and the Selling Shareholders in connection with the issuance and/or
sale of the Securities as herein contemplated shall be reasonably satisfactory in form and substance to the Representative and
counsel for the Underwriters.</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: 36pt">(o) <I>Termination
of Agreement</I>. If any condition specified in this Section shall not have been fulfilled when and as required to be fulfilled,
this Agreement may be terminated by the Representative by notice to the Company at any time at or prior to the Closing Time and
such termination shall be without liability of any party to any other party except as provided in <U>Section 4</U> and except that
<U>Sections 1</U>, <U>6</U>, <U>7</U> and <U>8</U> shall survive any such termination and remain in full force and effect.</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: 36pt">SECTION 6. <U>Indemnification</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: 36pt">(a) <I>Indemnification
of Underwriters and Selling Shareholders. </I>The Company agrees to indemnify and hold harmless each Underwriter, its affiliates
(as such term is defined in Rule 501(b) under the 1933 Act) (&ldquo;<I>Affiliates</I>&rdquo;), its selling agents, and each person,
if any, who controls any Underwriter within the meaning of Section 15 of the 1933 Act or Section 20 of the 1934 Act (the foregoing
indemnified parties are hereinafter referred to as the &ldquo;<I>Underwriter Indemnified Parties</I>&rdquo;) and each Selling Shareholder
and each person, if any, who controls any Selling Shareholder within the meaning of Section 15 of the 1933 Act or Section 20 of
the 1934 Act (the foregoing indemnified parties are hereinafter referred to as the &ldquo;<I>Selling Shareholder Indemnified Parties</I>&rdquo;)
to the extent and in the manner set forth in clauses (i), (ii) and (iii) below as follows:</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">(i) against any and
all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of any untrue statement or alleged untrue statement
of a material fact contained in the Registration Statement (or any amendment thereto), including the Rule 430A Information, or
the omission or alleged omission therefrom of a material fact required to be stated therein or necessary to make the statements
therein not misleading or arising out of any untrue statement or alleged untrue statement of a material fact included in any preliminary
prospectus, any Issuer-Represented Free Writing Prospectus or the Prospectus (or any amendment or supplement thereto), or the omission
or alleged omission therefrom of a material fact necessary in order to make the statements therein, in the light of the circumstances
under which they were made, not misleading;</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">(ii) against any
and all loss, liability, claim, damage and expense whatsoever, as incurred, to the extent of the aggregate amount paid in settlement
of any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim
whatsoever based upon any such untrue statement or omission, or any such alleged untrue statement or omission; provided that (subject
to <U>Section 6(d)</U> below) any such settlement is effected with the written consent of the Company and the Selling Shareholder,
such consent not to be unreasonably withheld, delayed or conditioned; and</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">(iii) against any
and all expense whatsoever, as incurred (including the fees and disbursements of counsel chosen by Keefe Bruyette or Lawrence B.
Seidman, as the case may be), reasonably incurred in investigating, preparing or defending against any litigation, or any investigation
or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever based upon any such untrue statement
or omission, or any such alleged untrue statement or omission, to the extent that any such expense is not paid under (i) or (ii)
above;</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"><U>provided</U>, <U>however</U>, that this
indemnity agreement shall not apply to any loss, liability, claim, damage or expense to the extent arising out of any untrue statement
or omission or alleged untrue statement or omission made in reliance upon and in conformity with written information furnished
to the Company by any Underwriter through the Representative or by any Selling Shareholder, in each case, expressly for use in
the Registration Statement (or any amendment thereto), including the Rule 430A Information, or any preliminary prospectus, any
Issuer-Represented Free Writing Prospectus, or the Prospectus (or any amendment or supplement thereto); <U>provided</U> that the
parties</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">acknowledge and agree that the only written
information that (i) the Underwriters have furnished to the Company specifically for inclusion in the Registration Statement, preliminary
prospectus and Prospectus (or any amendment or supplement thereto) is the information included in the following subsections of
the section entitled &ldquo;Underwriting&rdquo; in the Prospectus: (1) the fourth paragraph under the &ldquo;Underwriting&rdquo;
section, (2) &ldquo;Stabilization, Short Positions and Penalty Bids&rdquo;, (3) &ldquo;Passive Market Making&rdquo;, (4) &ldquo;Affiliations&rdquo;,
and (5) &ldquo;Selling Restrictions&rdquo;; and (ii) the Selling Shareholders have furnished to the Company expressly for use in
the Registration Statement (or any amendment thereto), including the Rule 430A Information, or any preliminary prospectus, any
Issuer-Represented Free Writing Prospectus, or the Prospectus (or any amendment or supplement thereto) is the following information
included in the section entitled &ldquo;Selling Shareholders&rdquo; in the Prospectus: (A) the legal name and address of such Selling
Shareholder, (B) the number of Securities beneficially owned by such Selling Shareholder before and after the offering, (C) the
number of Securities being offered by such Selling Shareholder, and (D) the other information in the footnotes corresponding to
the foregoing information, in each case, that appears in the table under the caption &ldquo;Selling Shareholders.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Selling Shareholder,
severally and jointly, agrees to indemnify and hold harmless each Underwriter Indemnified Party and the Company Indemnified Parties
(as defined below) against (i) any and all loss, liability, claim, damage and expense whatsoever, as incurred, to which such Underwriter
becomes subject, under the 1933 Act or otherwise, insofar as such loss, liability, claim, damage and expense arise out of or are
based upon any untrue statement or alleged untrue statement of any material fact contained in the Registration Statement, any Statutory
Prospectus, the Prospectus or any Issuer-Represented Free Writing Prospectus, or arise out of or are based upon the omission or
alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not
misleading, (ii) any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of any Selling Shareholder
Free Writing Prospectus of such Selling Shareholder (as a result of any untrue statement or alleged untrue statement of a material
fact contained therein or the omission or alleged omission therefrom of a material fact necessary in order to make the statements
therein, in light of the circumstances under which they were made, not misleading, or otherwise); and (iii) any and all loss, liability,
claim, damage and expense whatsoever, as incurred, to the extent of the aggregate amount paid in settlement of any litigation,
or any investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim whatsoever based
upon such Selling Shareholder Free Writing Prospectus; provided that (subject to 6(d) below) such settlement is effected with the
prior written consent of such Selling Shareholder, such consent not to be unreasonably withheld, delayed or conditioned; and (iv)
any and all expense whatsoever, as incurred (including the fees and disbursements of counsel chosen by Keefe Bruyette or the Company,
as the case may be), reasonably incurred in investigating, preparing or defending against any litigation, or any investigation
or proceeding by any governmental agency or body, commended or threatened, or any claim whatsoever based upon any such Selling
Shareholder Free Writing Prospectus, to the extent that such expense is not paid under clause (ii) or (iii) above; <I>provided,
however</I>, that the indemnity provided for in clause (i) of this paragraph shall apply only to the extent that any such untrue
statement or alleged untrue statement or omission or alleged omission was made in reliance upon and in conformity with written
information that the Selling Shareholders furnished to the Company or the Representative specifically for inclusion in the Registration
Statement, Statutory Prospectus, Prospectus or any Issuer-Represented Free Writing Prospectus (or any amendment or supplement to
any of the foregoing), as the case may be; provided that the parties acknowledge and agree that the only written information that
the Selling Shareholders have furnished to the Company or the Representative specifically for inclusion in the Registration Statement,
Statutory Prospectus, Prospectus or any Issuer-Represented Free Writing Prospectus (or any amendment or supplement to any of the
foregoing) is the following information included in the section entitled &ldquo;Selling Shareholders&rdquo; in the Prospectus:
(A) the legal name and address of such Selling Shareholder, (B) the number of Securities beneficially owned by such Selling Shareholder
before and after the offering, (C) the number of Securities being offered by such Selling Shareholder, and (D) the other information
in the footnotes corresponding to the foregoing information, in each case, that appears in the table under the caption &ldquo;Selling
Shareholders&rdquo;. Notwithstanding anything to the contrary contained in this Agreement, the aggregate liability of the Selling
Shareholders under this <U>Section 6</U>, under <U>Section 7</U> and in respect of any claim of any inaccuracy in or breach of
any of the representations or warranties of the Selling Shareholders contained in <U>Section 1(b)</U> shall be limited to an amount
equal to the aggregate amount of proceeds received by all Selling Shareholders (less underwriting discounts and commissions) from
the sale of the Securities by all Selling Shareholders under this Agreement.</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">(b) <I>Indemnification
of Company, Directors and Officers and Selling Shareholders. </I>Each Underwriter severally agrees to indemnify and hold harmless
the Company, its directors, each of its officers who signed the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Registration Statement, and each person,
if any, who controls the Company within the meaning of Section 15 of the 1933 Act or Section 20 of the 1934 Act (the foregoing
indemnified parties are hereinafter referred to as the &ldquo;<I>Company Indemnified Parties</I>&rdquo;), and each Selling Shareholder
Indemnified Party against any and all loss, liability, claim, damage and expense whatsoever described in the indemnity contained
in subsection (a) of this Section, as incurred, but only with respect to untrue statements or omissions, or alleged untrue statements
or omissions, made in the Registration Statement (or any amendment thereto), including the Rule 430A Information, or any preliminary
prospectus, or any Issuer-Represented Free Writing Prospectus or the Prospectus (or any amendment or supplement thereto) in reliance
upon and in conformity with written information furnished to the Company by such Underwriter through the Representative expressly
for use in the Registration Statement (or any amendment thereto), including the Rule 430A Information or such preliminary prospectus,
or any Issuer-Represented Free Writing Prospectus or the Prospectus (or any amendment or supplement thereto); provided that the
parties acknowledge and agree that the only written information that the Underwriters have furnished to the Company specifically
for inclusion in the Registration Statement, preliminary prospectus, or any Issuer-Represented Free Writing Prospectus and Prospectus
(or any amendment or supplement thereto) is the information included in the following subsections of the section entitled &ldquo;Underwriting&rdquo;
in the Prospectus: (1) the fourth paragraph under the &ldquo;Underwriting&rdquo; section, (2) &ldquo;Stabilization, Short Positions
and Penalty Bids&rdquo;, (3) &ldquo;Passive Market Making&rdquo;, (4) &ldquo;Affiliations&rdquo;, and (5) &ldquo;Selling Restrictions&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(c) <I>Actions against
Parties; Notification. </I>Each indemnified party shall give notice as promptly as reasonably practicable to each indemnifying
party of any action commenced against it in respect of which indemnity may be sought hereunder, but failure to so notify an indemnifying
party shall not relieve such indemnifying party from any liability hereunder to the extent it is not materially prejudiced as a
result thereof and in any event shall not relieve it from any liability which it may have otherwise than on account of this indemnity
agreement. In the case of parties indemnified pursuant to <U>Section 6(a)</U> above, counsel to the Underwriter Indemnified Parties
shall be selected by Keefe Bruyette, counsel to the Selling Shareholder Indemnified Parties shall be selected by Lawrence B. Seidman,
and counsel to the Company Indemnified Parties shall be selected by the Company, and, in the case of parties indemnified pursuant
to <U>Section 6(b)</U> above, counsel to the Company Indemnified Parties shall be selected by the Company and counsel to the Selling
Shareholder Indemnified Parties shall be selected by Lawrence B. Seidman. An indemnifying party may participate at its own expense
in the defense of any such action; provided, however, that counsel to the indemnifying party shall not (except with the consent
of the indemnified party) also be counsel to the indemnified party. In no event shall the indemnifying parties be liable for fees
and expenses of more than one counsel (in addition to any local counsel) separate from their own counsel for each group of affected
indemnified parties (i.e., the Underwriter Indemnified Parties, the Company Indemnified Parties and the Selling Shareholder Indemnified
Parties, as applicable) in connection with any one action or separate but similar or related actions in the same jurisdiction arising
out of the same general allegations or circumstances. No indemnifying party shall, without the prior written consent of the indemnified
parties, settle or compromise or consent to the entry of any judgment with respect to any litigation, or any investigation or proceeding
by any governmental agency or body, commenced or threatened, or any claim whatsoever in respect of which indemnification or contribution
could be sought under this <U>Section 6</U> or <U>Section 7</U> hereof (whether or not the indemnified parties are actual or potential
parties thereto), unless such settlement, compromise or consent (i) includes an unconditional release of each indemnified party
from all liability arising out of such litigation, investigation, proceeding or claim and (ii) does not include a statement as
to or an admission of fault, culpability or a failure to act by or on behalf of any indemnified party.</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: 36pt">(d) <I>Settlement
Without Consent if Failure to Reimburse. </I>If at any time an indemnified party shall have requested an indemnifying party to
reimburse the indemnified party for fees and expenses of counsel as required herein, such indemnifying party agrees that it shall
be liable for any settlement of the nature contemplated by <U>Section 6(a)(ii)</U> effected without its written consent if (i)
such settlement is entered into more than 45 days after receipt by such indemnifying party of the aforesaid request, (ii) such
indemnifying party shall have received notice of the terms of such settlement at least 30 days prior to such settlement being entered
into and (iii) such indemnifying party shall not have reimbursed such indemnified party in accordance with such request prior to
the date of such settlement.</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: 36pt">(e) <I>Other Agreements
with Respect to Indemnification. </I>The provisions of this Section shall not affect any agreement among the Company and the Selling
Shareholders with respect to indemnification.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">SECTION 7. <U>Contribution</U>.
If the indemnification provided for in <U>Section 6</U> hereof is for any reason unavailable to or insufficient to hold harmless
an indemnified party in respect of any losses, liabilities, claims, damages or expenses referred to therein, then each indemnifying
party, in lieu of indemnifying such indemnified party under <U>Section 6</U> shall contribute to the aggregate amount of such losses,
liabilities, claims, damages and expenses incurred by such indemnified party, as incurred, (i) in such proportion as is appropriate
to reflect the relative benefits received by the Company and the Selling Shareholders on the one hand and the Underwriters, on
the other hand, from the offering of the Securities pursuant to this Agreement or (ii) if the allocation provided by clause (i)
is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to
in clause (i) above but also the relative fault of the Company and the Selling Shareholders on the one hand and of the Underwriters
on the other hand in connection with the statements or omissions which resulted in such losses, liabilities, claims, damages or
expenses, as well as any other relevant equitable considerations.</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: 36pt">The relative benefits
received by the Company and the Selling Shareholders on the one hand and the Underwriters on the other hand in connection with
the offering of the Securities pursuant to this Agreement shall be deemed to be in the same respective proportions as the total
net proceeds from the offering of the Securities pursuant to this Agreement (before deducting expenses) received by the Selling
Shareholders, on the one hand, and the total underwriting discounts and commissions received by the Underwriters, on the other
hand, in each case as set forth on the cover of the Prospectus.</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: 36pt">The relative fault of
the Company and the Selling Shareholders, on the one hand, and the Underwriters, on the other hand, shall be determined by reference
to, among other things, whether any such untrue or alleged untrue statement of a material fact or omission or alleged omission
to state a material fact relates to information supplied by the Company or the Selling Shareholders on the one hand, or by the
Underwriters on the other hand, and the parties&rsquo; relative intent, knowledge, access to information and opportunity to correct
or prevent such statement or omission.</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: 36pt">The Company, the Selling
Shareholders and the Underwriters agree that it would not be just and equitable if contribution pursuant to this <U>Section 7</U>
were determined by pro rata allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method
of allocation which does not take account of the equitable considerations referred to above in this <U>Section 7</U>. The aggregate
amount of losses, liabilities, claims, damages and expenses incurred by an indemnified party and referred to above (but subject
to the limitations contained) in this <U>Section 7</U> shall be deemed to include any legal or other expenses reasonably incurred
by such indemnified party in investigating, preparing or defending against any litigation, or any investigation or proceeding by
any governmental agency or body, commenced or threatened, or any claim whatsoever based upon any such untrue or alleged untrue
statement or omission or alleged omission.</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: 36pt">Notwithstanding the
provisions of this <U>Section 7</U>, no Underwriter shall be required to contribute any amount in excess of the amount by which
the total underwriting commissions received by such Underwriter in connection with the offering of the Securities underwritten
by it and distributed to the public exceeds the amount of any damages which such Underwriter has otherwise been required to pay
by reason of any such untrue or alleged untrue statement or omission or alleged omission.</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: 36pt">Notwithstanding the
provisions of this <U>Section 7</U>, no Selling Shareholder shall be required to contribute any amount in excess of the amount
by which the proceeds of the offering of the Securities (after deducting underwriting discounts and commissions) received by such
Selling Shareholder exceeds the amount of any damages which such Selling Shareholder has otherwise been required to pay by reason
of any such untrue or alleged untrue statement or omission or alleged omission. The Selling Shareholders&rsquo; obligations to
contribute as provided in this <U>Section 7</U> are joint and several in proportion to the gross proceeds received by them respectively
from the sale of the Securities under this Agreement and shall be subject to the limitations on aggregate liability set forth in
the last sentence of <U>Section 6(a)</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: 36pt">No person guilty of
fraudulent misrepresentation (within the meaning of Section 11(f) of the 1933 Act) shall be entitled to contribution from any person
who was not guilty of such fraudulent misrepresentation.</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: 36pt">For purposes of this
<U>Section 7</U>, each person, if any, who controls an Underwriter within the meaning of Section 15 of the 1933 Act or Section
20 of the 1934 Act and each Underwriter&rsquo;s Affiliates and selling agents shall have the same rights to contribution as such
Underwriter, each director of the Company, each officer of the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Company who signed the Registration Statement,
and each person, if any, who controls the Company within the meaning of Section 15 of the 1933 Act or Section 20 of the 1934 Act
shall have the same rights to contribution as the Company, and each person, if any, who controls a Selling Shareholder within the
meaning of Section 15 of the 1933 Act or Section 20 of the 1934 Act shall have the same rights to contribution as such Selling
Shareholder. The Underwriters&rsquo; respective obligations to contribute pursuant to this <U>Section 7</U> are several in proportion
to the number of Securities set forth opposite their respective names in Schedule A hereto and not joint.</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">The provisions of this
Section shall not affect any agreement among the Company and the Selling Shareholders with respect to contribution.</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: 36pt">SECTION 8. <U>Representations,
Warranties and Agreements to Survive Delivery</U>. All representations, warranties and agreements contained in this Agreement or
in certificates of officers of the Company or any of its subsidiaries or the Selling Shareholders submitted pursuant hereto, shall
remain operative and in full force and effect, regardless of any (i) investigation made by or on behalf of any Underwriter or its
Affiliates or selling agents, any person controlling any Underwriter, its officers or directors, or by or on behalf of the Company
or any Selling Shareholder or any person controlling the Company or any Selling Shareholders, and (ii) delivery of and payment
for the Securities.</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: 36pt">SECTION 9. <U>Termination
of Agreement</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: 36pt">(a) <I>Termination;
General. </I>The Representative may terminate this Agreement, by notice to the Company and the Selling Shareholders, at any time
at or prior to the Closing Time (i) if there has been, since the time of execution of this Agreement or since the respective dates
as of which information is given in the preliminary prospectus, the General Disclosure Package or the Prospectus, any material
adverse change in the condition, financial or otherwise, or in the earnings or business of the Company and its subsidiaries considered
as one enterprise, whether or not arising in the ordinary course of business, or (ii) if there has occurred any material adverse
change in the financial markets in the United States or the international financial markets, any outbreak of hostilities or escalation
thereof or other calamity or crisis or any change or development involving a prospective change in national or international political,
financial or economic conditions, including without limitation as a result of terrorist activities, in each case the effect of
which is such as to make it, in the judgment of the Representative, impracticable or inadvisable to market the Securities or to
enforce contracts for the sale of the Securities, or (iii) if trading in any securities of the Company has been suspended or materially
limited by the Commission or NASDAQ, or if trading generally on the New York Stock Exchange or on NASDAQ has been suspended or
materially limited, or minimum or maximum prices for trading have been fixed, or maximum ranges for prices have been required,
by any of said exchanges or by such system or by order of the Commission, the National Association of Securities Dealers, Inc.
or any other governmental authority, or (iv) a material disruption has occurred in commercial banking or securities settlement
or clearance services in the United States or with respect to Clearstream or Euroclear Systems in Europe, or (v) if a banking moratorium
has been declared by either Federal, New York or New Jersey authorities.</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: 36pt">(b) <I>Liabilities.
</I>If this Agreement is terminated pursuant to this Section, such termination shall be without liability of any party to any other
party except as provided in <U>Section 4</U> hereof, and provided further that <U>Sections 1</U>, <U>6</U>, <U>7</U> and <U>8</U>
shall survive such termination and remain in full force and effect.</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: 36pt">SECTION 10. <U>Default
by One or More of the Underwriters</U>. If one or more of the Underwriters shall fail at the Closing Time to purchase the Securities
which it or they are obligated to purchase under this Agreement (the &ldquo;Defaulted Securities&rdquo;), the Representative shall
have the right, within 24 hours thereafter, to make arrangements for one or more of the non-defaulting Underwriters, or any other
underwriters, to purchase all, but not less than all, of the Defaulted Securities in such amounts as may be agreed upon and upon
the terms herein set forth; if, however, the Representative shall not have completed such arrangements within such 24-hour period,
then:</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: 36pt">(a) if the number
of Defaulted Securities does not exceed 10% of the number of Securities to be purchased on such date, each of the non-defaulting
Underwriters shall be obligated, severally and not jointly, to purchase the full amount thereof in the proportions that their respective
underwriting obligations hereunder bear to the underwriting obligations of all non-defaulting Underwriters, or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">(b) if the number
of Defaulted Securities exceeds 10% of the number of Securities to be purchased on such date, this Agreement shall terminate without
liability on the part of any non-defaulting Underwriter.</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: 36pt">No action taken pursuant
to this Section shall relieve any defaulting Underwriter from liability in respect of its default.</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: 36pt">In the event of any
such default which does not result in a termination of this Agreement, either (i) the Representative or (ii) the Company and any
Selling Shareholder shall have the right to postpone the Closing Time for a period not exceeding seven days in order to effect
any required changes in the Registration Statement or Prospectus or in any other documents or arrangements. As used herein, the
term &ldquo;Underwriter&rdquo; includes any person substituted for an Underwriter under this <U>Section 10</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: 36pt">SECTION 11. <U>Default
by one or more of the Selling Shareholders</U>. If a Selling Shareholder shall fail at the Closing Time to sell and deliver the
number of Securities which such Selling Shareholder or Selling Shareholders are obligated to sell hereunder, and the remaining
Selling Shareholders do not exercise the right hereby granted to increase, pro rata or otherwise, the number of Securities to be
sold by them hereunder to the total number to be sold by all Selling Shareholders as set forth in <U>Schedule B</U> hereto, then
the Underwriters may, at the option of the Representative, by notice from the Representative to the Company, terminate this Agreement
without any liability of any non-defaulting party except that the provisions of <U>Sections 1</U>, <U>4</U>, <U>6</U>, <U>7</U>
and <U>8</U> shall remain in full force and effect or (b) elect to purchase the Securities which the non-defaulting Selling Shareholders
have agreed to sell hereunder. No action taken pursuant to this <U>Section 11</U> shall relieve any Selling Shareholder so defaulting
from liability, if any, in respect of such default.</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: 36pt">In the event of a default
by any Selling Shareholder as referred to in this <U>Section 11</U>, each of the Representative, the Company and the non-defaulting
Selling Shareholders shall have the right to postpone the Closing Time for a period not exceeding seven days in order to effect
any required change in the Registration Statement or Prospectus or in any other documents or arrangements.</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: 36pt">SECTION 12. <U>Notices</U>.
All notices and other communications hereunder shall be in writing and shall be deemed to have been duly given if mailed or transmitted
by any standard form of telecommunication. Notices to the Underwriters shall be directed to the Representative at Keefe, Bruyette
&amp; Woods, Inc., 787 Seventh Avenue, 4<SUP>th</SUP> Floor, New York, New York 10019, attention of Syndicate Desk; notices to
the Company shall be directed to it at ConnectOne Bancorp, Inc., 2455 Morris Avenue, Union, New Jersey, 07083, attention of Corporate Secretary;
and notices to the Selling Shareholders shall be directed to Seidman and Associates, L.L.C., 100 Misty Lane, Parsippany, New Jersey
07054, attention of Lawrence B. Seidman, with a copy to Olshan Frome Wolosky LLP, 65 East 55th Street, New York, New York 10022,
attention of Michael R. Neidell.</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: 36pt">SECTION 13. <U>Parties</U>.
This Agreement shall each inure to the benefit of and be binding upon the Underwriters, the Company and the Selling Shareholders
and their respective successors. Nothing expressed or mentioned in this Agreement is intended or shall be construed to give any
person, firm or corporation, other than the Underwriters, the Company and the Selling Shareholders and their respective successors
and the controlling persons and officers and directors referred to in <U>Sections 6</U> and <U>7</U> and their heirs and legal
representatives, any legal or equitable right, remedy or claim under or in respect of this Agreement or any provision herein contained.
This Agreement and all conditions and provisions hereof are intended to be for the sole and exclusive benefit of the Underwriters,
the Company and the Selling Shareholders and their respective successors, and said controlling persons and officers and directors
and their heirs and legal representatives, and for the benefit of no other person, firm or corporation. No purchaser of Securities
from any Underwriter shall be deemed to be a successor by reason merely of such purchase.</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: 36pt">SECTION 14. <U>No
Fiduciaries</U>. The Company and each Selling Shareholder acknowledges and agrees that (i) the purchase and sale of the Securities
pursuant to this Agreement, including the determination of the public offering price of the Securities and any related discounts
and commissions, is an arm&rsquo;s-length commercial transaction between the Company and the Selling Shareholders, on the one hand,
and the several Underwriters, on the other hand, (ii) in connection with the offering contemplated hereby and the process leading
to such transaction each Underwriter is and has been acting solely as a principal and is not the agent or fiduciary of the Company,
any Selling Shareholder, or the Company&rsquo;s shareholders, creditors, employees or any other third party, (iii) no</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Underwriter has assumed or will assume
an advisory or fiduciary responsibility in favor of the Company or any Selling Shareholder with respect to the offering contemplated
hereby or the process leading thereto (irrespective of whether such Underwriter has advised or is currently advising the Company
or any such Selling Shareholder on other matters) and no Underwriter has any obligation to the Company or any Selling Shareholder
with respect to the offering contemplated hereby except the obligations expressly set forth in this Agreement, (iv) the Underwriters
and their respective affiliates may be engaged in a broad range of transactions that involve interests that differ from those of
the Company or any Selling Shareholder, and (v) the Underwriters have not provided any legal, accounting, regulatory or tax advice
with respect to the offering contemplated hereby and the Company and each Selling Shareholder has consulted its own legal, accounting,
regulatory and tax advisors to the extent it deemed appropriate.</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">SECTION 15. <U>GOVERNING
LAW AND TIME</U>. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. SPECIFIED
TIMES OF DAY REFER TO NEW YORK CITY TIME. All actions, suits or proceedings arising out of or relating to this Agreement shall
be heard and determined exclusively in any New Jersey state court or in the United States District Court for the District of New
Jersey. The parties hereto hereby (a) submit to the exclusive jurisdiction of any New Jersey state court and the United States
District Court for the District of New Jersey for the purpose of any action, suit or proceeding arising out of or relating to this
Agreement brought by any party hereto, and (b) irrevocably waive, and agree not to assert by way of motion, defense, or otherwise,
in any such action, suit or proceeding, any claim that it is not subject personally to the jurisdiction of the above-named courts,
that its property is exempt or immune from attachment or execution, that the action, suit or proceeding is brought in an inconvenient
forum, that the venue of the action, suit or proceeding is improper, or that this Agreement may not be enforced in or by any of
the above-named courts. Each of the parties hereto agrees that a judgment in any such dispute may be enforced in other jurisdictions
by suit on the judgment or in any other manner provided by law.</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: 36pt">SECTION 16. <U>General
Provisions</U>. This Agreement constitutes the entire agreement of the parties to this Agreement and supersedes all prior written
or oral and all contemporaneous oral agreements, understandings and negotiations with respect to the subject matter hereof. This
Agreement may be executed in two or more counterparts, each one of which shall be an original, but all of which together shall
constitute one and the same instrument. The exchange of copies of this Agreement and of signature pages by facsimile or other electronic
means shall constitute effective execution and delivery of this Agreement by the parties hereto and may be used in lieu of the
original signature pages to this Agreement for all purposes. This Agreement may not be amended or modified unless in writing by
all of the parties hereto, and no condition herein (express or implied) may be waived unless waived in writing by each party whom
the condition is meant to benefit. The Article and Section headings herein and the Table of Contents are for convenience only and
shall not affect the construction hereof.</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">If the foregoing is
in accordance with your understanding of our agreement, please sign and return to the Company and the Attorney-in-Fact for the
Selling Shareholders a counterpart hereof, whereupon this instrument, along with all counterparts, will become a binding agreement
among the Underwriters, the Company and the Selling Shareholders in accordance with its terms.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Very truly yours,</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 37%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>CONNECTONE BANCORP, INC.</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid"><FONT STYLE="font-size: 10pt">/s/</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:&nbsp;&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt"><B>THE SELLING SHAREHOLDERS</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt"><FONT STYLE="font-size: 10pt">named in Schedule B, acting separately</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid"><FONT STYLE="font-size: 10pt">/s/ </FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Name: </FONT> <FONT STYLE="font-size: 10pt">Lawrence B. Seidman</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-size: 10pt">As Attorney-in-Fact acting on behalf of the Selling Shareholders named in Schedule B hereto</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">CONFIRMED AND ACCEPTED,</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-left: 10pt"><FONT STYLE="font-size: 10pt">as of the date first above written:</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 37%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt; text-transform: uppercase">Keefe Bruyette &amp; Woods, Inc.</FONT></TD>
    <TD>&nbsp;</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-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid">/s/</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For itself and as Representative of the
other Underwriters named in Schedule A hereto.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE A</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1px solid; text-align: center">Name of Underwriter</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-size: 10pt">Number of</FONT><BR> <FONT STYLE="font-size: 10pt">Securities</FONT></TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%; text-align: left; padding-bottom: 1px">Keefe Bruyette &amp; Woods, Inc.</TD><TD STYLE="width: 45%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="width: 18%; border-bottom: Black 1px solid; text-align: right">2,365,000</TD><TD STYLE="width: 1%; padding-bottom: 1px; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">Total</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">2,365,000</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD></TR>
</TABLE>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE B</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; border-bottom: Black 1px solid">Selling Shareholders</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: center">Number of Securities to be Sold</TD>
    </TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 35%; text-align: left">Lawrence B. Seidman</TD><TD STYLE="width: 31%">&nbsp;</TD>
    <TD STYLE="width: 34%; text-align: center">77,743</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify">Seidman and Associates, L.L.C.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">446,729</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: justify">Seidman Investment Partnership, L.P.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">394,807</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify">Seidman Investment Partnership II, L.P.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">410,086</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: justify">LSBK06-08, L.L.C.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">232,936</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify">Broad Park Investors, L.L.C.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">312,307</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: justify">CBPS, LLC</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">239,764</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify">2514 Multi-Strategy Fund L.P.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">82,667</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: justify">Chewy Gooey Cookies, L.P.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">167,961</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify">Total</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">2,365,000</TD></TR>
</TABLE>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE C</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">Issuer-Represented General Free Writing
Prospectus</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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Filed with the SEC on July 1, 2014]</P>

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

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE D</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; ">CONNECTONE BANCORP, INC.<BR>
<FONT style="border-bottom: double black 3px">2,365,000</FONT> Shares of Common Stock</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; padding-top: 2pt">(No Par Value Per Share)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36pt">1. The initial public
offering price per share for the Securities shall be $18.75.</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: 36pt">2. The purchase price
per share for the Securities to be paid by the several Underwriters shall be $18.5633, being an amount equal to the initial public
offering price set forth above less $0.1867 per share.</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 96%"><FONT STYLE="font-size: 10pt">ConnectOne Bank</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">2.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Center Bancorp Statutory Trust II</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">3.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Union Investment Co.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">4.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Center Financial Group, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">5.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Center Advertising Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">6.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Morris Property Company, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">7.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Twin Bridge Investment Co.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">8.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Volosin Holdings, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">9.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Twin Bridge Capital Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">10.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">NJCB Investment Company, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">11.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">CNOB Investment Company, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">12.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">CNOB Investment Preferred Funding Corp, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">13.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">NJCB Spec-1, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">14.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Greenbrook Consulting, LLC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">15.</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">ConectOne Bank owns 49% interest in Greenbrook Title Agency, LLC</FONT></TD></TR>
</TABLE>

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    <!-- Field: /Page -->


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