<SEC-DOCUMENT>0001206774-16-007742.txt : 20161214
<SEC-HEADER>0001206774-16-007742.hdr.sgml : 20161214
<ACCEPTANCE-DATETIME>20161214164513
ACCESSION NUMBER:		0001206774-16-007742
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20161214
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20161214
DATE AS OF CHANGE:		20161214

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:		162051545

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CENTER BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>connect3182441-8k.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>

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<P align=center><B><FONT face="Times New Roman" size=2>UNITED
STATES</FONT></B><FONT face="Times New Roman" size=2> <BR></FONT><B><FONT face="Times New Roman" size=2>SECURITIES AND EXCHANGE COMMISSION</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>Washington, D.C.
20549</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>FORM 8-K</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>CURRENT
REPORT</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>Pursuant to Section 13 or
15(d) of<BR>the Securities Exchange Act of 1934 </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>Date of Report (Date of
earliest event reported): </FONT><U><FONT face="Times New Roman" size=2>December
14, 2016</FONT></U><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><IMG src="connect3182441-8kx1x1.jpg" border=0></P><BR>
<P align=center><B><FONT style="BORDER-BOTTOM: #000000 1pt solid" face="Times New Roman" size=2>CONNECTONE BANCORP, INC.</FONT></B><FONT face="Times New Roman" size=2><BR></FONT><FONT face="Times New Roman" size=2>(Exact name of Company as specified in its charter) </FONT></P>
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  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="33%"><B><FONT face="Times New Roman" size=2 style="BORDER-BOTTOM: #000000 1pt solid">New
      Jersey</FONT></B></TD>
    <TD noWrap style="text-align: center" width="33%"><B><FONT style="BORDER-BOTTOM: #000000 1pt solid" face="Times New Roman" size=2 >001-11486</FONT></B></TD>
    <TD noWrap style="text-align: center" width="33%"><B><FONT style="BORDER-BOTTOM: #000000 1pt solid" face="Times New Roman" size=2 >52-1273725</FONT></B></TD></TR>
  <TR vAlign=bottom style="line-height: normal">
    <TD noWrap style="text-align: center" width="33%" ><FONT face="Times New Roman" size=2 >(State or
      other jurisdiction</FONT></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2>(Commission</FONT></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2 >(IRS
      Employer</FONT></TD></TR>
  <TR vAlign=bottom style="line-height: normal">
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2 >of
      incorporation)</FONT></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2 >File
      Number)</FONT></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2 >Identification
No.)</FONT></TD></TR></TABLE><BR>
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  <TR vAlign=bottom style="line-height: normal">
    <TD noWrap style="text-align: center" width="33%"><B><FONT face="Times New Roman" size=2 >301 Sylvan Avenue</FONT></B></TD>
    <TD noWrap align=left width="34%"></TD>
    <TD noWrap align=left width="33%"></TD></TR>
  <TR vAlign=bottom >
    <TD noWrap style="text-align: center" width="33%"><B><FONT style="BORDER-BOTTOM: #000000 1pt solid" face="Times New Roman" size=2 >Englewood
      Cliffs, New Jersey</FONT></B></TD>
    <TD noWrap style="text-align: center" width="34%"></TD>
    <TD noWrap style="text-align: center" width="33%"><B><FONT style="BORDER-BOTTOM: #000000 1pt solid" face="Times New Roman" size=2 >07632</FONT></B></TD></TR>
  <TR vAlign=bottom style="line-height: normal">
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2 >(Address of
      principal executive offices)</FONT></TD>
    <TD noWrap style="text-align: center" width="34%"></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2 >(Zip
      Code)</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>Company's telephone number,
including area code: </FONT><U><FONT face="Times New Roman" size=2>(201)
816-8900</FONT></U><FONT face="Times New Roman" size=2> </FONT></P>
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    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2 >[
      ]&nbsp;&nbsp;</FONT></TD>
    <TD vAlign=top align=left width="99%"><FONT size=2 face="Times New Roman">Written communications pursuant to Rule 425 under the Securities
      Act (17 CFR 230.425)</FONT></TD></TR>
    <TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2 >[
]</FONT></TD>
    <TD vAlign=top align=left width="99%"><FONT face="Times New Roman" size=2>Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</FONT></TD></TR>
    <TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2 >[
]</FONT></TD>
    <TD vAlign=top align=left width="99%"><FONT face="Times New Roman" size=2 >Pre-commencement communications pursuant to
      Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD></TR>
    <TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2 >[
]</FONT></TD>
    <TD vAlign=top align=left width="99%"><FONT face="Times New Roman" size=2 >Pre-commencement communications pursuant to
      Rule 13e-4(c) under the Exchange Act (17 CFR
  240.13e-4(c))</FONT></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Item 1.01 Entry into a
Material Definitive Agreement </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>On December 14, 2016,
ConnectOne Bancorp, Inc. (the "Company") entered into an underwriting agreement
(the "Underwriting Agreement") with Keefe, Bruyette &amp; Woods, Inc., as
representative of the underwriters named therein (collectively, the
"Underwriters"), relating to the offer and sale in an underwritten offering of
1,443,299 shares of the Company's common stock. The shares of common stock were
sold at a public offering price of $24.25 per share. The Underwriters have agreed
to purchase the shares from the Company at a discount of $1.09 per share. The
Company has granted the Underwriters a 30-day option to purchase up to an
additional 216,495 shares of common stock from the Company at the public offering
price less the underwriting discount solely to cover over-allotments, if any.
The Company expects to receive net proceeds from this offering of approximately
$33,425,000 (or approximately $38,438,751 if the Underwriters exercise their
option to purchase additional shares in full), after deducting the underwriting
discount and estimated offering expenses payable by us. The offering is expected
to close on or about December 19, 2016, subject to customary closing conditions.
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>The Company made certain
customary representations, warranties and covenants in the Underwriting
Agreement concerning the Company and its subsidiaries and the registration
statement, prospectus, prospectus supplements and other documents and filings
relating to the offering of the shares of common stock. In addition, the Company
has agreed to indemnify the Underwriters against certain liabilities, including
liabilities under the Securities Act of 1933, as amended. The foregoing
description of the Underwriting Agreement is qualified in its entirety by
reference to that agreement, a copy of which is filed as Exhibit 1.1 to this
Current Report on Form 8-K and is incorporated herein by reference. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>The offering was made pursuant
to the Company's effective registration statement on Form S-3 (the "Registration
Statement") (File No. 333-213260) previously filed with the SEC, including the
prospectus contained therein, and a preliminary prospectus supplement dated
December 13, 2016 and final prospectus supplement dated December 14, 2016, each
filed by the Company with the Securities and Exchange Commission. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Item 8.01 Other Events
</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>On December 14, 2016, the
Company issued a press release regarding the pricing terms of its previously
announced underwritten public offering of shares of its common stock. A copy of
the press release is attached hereto as Exhibit 99.1 to this Current Report on
Form 8-K and is incorporated herein by reference. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>The opinion of counsel to the
Company with respect to the validity of the shares of common stock is attached
hereto as Exhibit 5.1 to this Current Report on Form 8-K and is incorporated by
reference into the Registration Statement. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Item 9.01 Financial
Statements and Exhibits </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>(d) Exhibits. </FONT></P>
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    <TD NOWRAP STYLE="vertical-align: top; text-align: left; width: 1%; padding-right: 8pt; padding-left: 4pt"></TD>
    <TD vAlign=top noWrap align=center width="1%"></TD>
    <TD vAlign=top noWrap align=center width="98%"></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; vertical-align: top; text-align: left; width: 1%; padding-right: 8pt; padding-left: 4pt"><B><FONT face="Times New Roman" size=2><B><FONT face="Times New Roman" size=2>Exhibit</FONT></B><BR>
No.</FONT></B></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP WIDTH="98%" STYLE="border-bottom: #000000 1pt solid; text-align: left; vertical-align: bottom"><B><FONT face="Times New Roman" size=2>Description</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="vertical-align: top; text-align: left; width: 1%; padding-right: 8pt; padding-left: 4pt"><FONT face="Times New Roman" size=2>1.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Underwriting Agreement, dated December 14, 2016 by and among
      the Company and Keefe, Bruyette &amp; Woods, Inc., as representative of
      the underwriters named therein.</FONT></TD></TR>
<TR vAlign=bottom>
    <TD NOWRAP STYLE="vertical-align: top; text-align: left; width: 1%; padding-right: 8pt; padding-left: 4pt"><FONT face="Times New Roman" size=2>5.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Opinion of Windels Marx Lane &amp; Mittendorf,
  LLP.</FONT></TD></TR>
<TR vAlign=bottom>
    <TD NOWRAP STYLE="vertical-align: top; text-align: left; width: 1%; padding-right: 8pt; padding-left: 4pt"><FONT face="Times New Roman" size=2>23.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Consent of Windels Marx Lane &amp; Mittendorf, LLP (included
      in Exhibit 5.1).</FONT></TD></TR>
<TR vAlign=bottom>
    <TD NOWRAP STYLE="vertical-align: top; text-align: left; width: 1%; padding-right: 8pt; padding-left: 4pt"><FONT face="Times New Roman" size=2>99.1</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Press Release, dated December 14, 2016, regarding the pricing
      of the underwritten public offering of common
stock.</FONT></TD></TR></TABLE><BR>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>SIGNATURES
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Pursuant to the requirements
of the Securities Exchange Act of 1934, the Company has duly caused this Report
to be signed on its behalf by the undersigned hereunto duly authorized.
</FONT></P>
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    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="52%"  colSpan=3><B><FONT style="BORDER-BOTTOM: #000000 1pt solid" face="Times New Roman" size=2 >CONNECTONE BANCORP, INC.</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="51%" colSpan=2><FONT face="Times New Roman" size=2 >(Registrant)</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2 >Dated:
      December 14, 2016</FONT></TD>
    <TD noWrap align=left width="1%" ><FONT size=2>By:&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="26%"><FONT face="Times New Roman" size=2 >/s/ William S.
      Burns</FONT></TD>
    <TD noWrap align=left width="25%" >&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="51%" colSpan=2><B><FONT face="Times New Roman" size=2 >&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; WILLIAM S.
      BURNS</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="51%" colSpan=2><FONT face="Times New Roman" size=2 ><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </STRONG>Executive Vice
      President and</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="51%" colSpan=2><FONT face="Times New Roman" size=2 ><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </STRONG>Chief Financial
      Officer</FONT></TD></TR></TABLE><BR>
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<P align=center><B><FONT face="Times New Roman" size=2>EXHIBIT INDEX
</FONT></B></P>
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    <TD NOWRAP STYLE="text-align: left; width: 1%; padding-right: 16pt; padding-left: 4pt"></TD>
    <TD noWrap align=left width="1%" ></TD>
    <TD STYLE="text-align: center; width: 98%"><B></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; text-align: left; width: 1%; padding-right: 16pt; padding-left: 4pt"><B><FONT face="Times New Roman" size=2><FONT face="Times New Roman" size=2 >Exhibit</FONT><BR>
No.</FONT></B></TD>
    <TD noWrap align=left width="1%" >&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: #000000 1pt solid; text-align: left; width: 98%"><B><FONT face="Times New Roman" size=2 >Description</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 1%; padding-right: 16pt; padding-left: 4pt; vertical-align: top"><FONT face="Times New Roman" size=2 >1.1</FONT></TD>
    <TD NOWRAP WIDTH="1%" STYLE="text-align: left; vertical-align: top"></TD>
    <TD STYLE="text-align: left; width: 98%; vertical-align: top"><FONT face="Times New Roman" size=2 >Underwriting
      Agreement, dated December 14, 2016 by and among the Company and Keefe,
      Bruyette &amp; Woods, Inc., as representative of the underwriters named
      therein.</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 1%; padding-right: 16pt; padding-left: 4pt; vertical-align: top"><FONT face="Times New Roman" size=2 >5.1</FONT></TD>
    <TD NOWRAP WIDTH="1%" STYLE="text-align: left; vertical-align: top"></TD>
    <TD STYLE="text-align: left; width: 98%; vertical-align: top"><FONT face="Times New Roman" size=2 >Opinion of
      Windels Marx Lane &amp; Mittendorf, LLP.</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 1%; padding-right: 16pt; padding-left: 4pt; vertical-align: top"><FONT face="Times New Roman" size=2 >23.1</FONT></TD>
    <TD NOWRAP WIDTH="1%" STYLE="text-align: left; vertical-align: top"></TD>
    <TD STYLE="text-align: left; width: 98%; vertical-align: top"><FONT face="Times New Roman" size=2 >Consent of
      Windels Marx Lane &amp; Mittendorf, LLP (included in Exhibit
    5.1).</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 1%; padding-right: 16pt; padding-left: 4pt; vertical-align: top"><FONT face="Times New Roman" size=2 >99.1</FONT></TD>
    <TD NOWRAP WIDTH="1%" STYLE="text-align: left; vertical-align: top"></TD>
    <TD STYLE="text-align: left; width: 98%; vertical-align: top"><FONT face="Times New Roman" size=2 >Press
      Release, dated December 14, 2016, regarding the pricing of the
      underwritten public offering of common
stock.</FONT></TD></TR></TABLE><BR>
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<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>connect3182441-ex11.htm
<DESCRIPTION>UNDERWRITING AGREEMENT, DATED DECEMBER 14, 2016
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<P align=right><B><FONT face="Times New Roman" size=2>Exhibit
1.1<BR></FONT></B><B><FONT face="Times New Roman" size=2>Underwriting
Agreement</FONT></B></P><DIV  align=center><FONT face="Times New Roman" size=2><B>CONNECTONE BANCORP, INC.</B></FONT></DIV>
<DIV align=center><FONT face="Times New Roman" size=2><B>Shares of Common
Stock</B></FONT></DIV>
<P align=center><FONT face="Times New Roman" size=2><B>UNDERWRITING
AGREEMENT</B></FONT></P>
<P align=right><FONT face="Times New Roman" size=2>December 14, 2016</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>KEEFE, BRUYETTE &amp;
WOODS, INC.<BR>787 Seventh Avenue, 4<SUP>th</SUP> Floor<BR>New York, New York
10019</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Ladies and
Gentlemen:</FONT></P>
<P style="TEXT-INDENT: 15pt; FONT-SIZE: 10PT" align=justify><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc., a New
Jersey corporation (the &#147;</FONT><FONT face="Times New Roman" size=2><B>Company</B></FONT><FONT face="Times New Roman" size=2>&#148;),
confirms its agreement with each of the underwriters listed on  Schedule I hereto (collectively, the</FONT> <FONT face="Times New Roman" size=2><B>&#147;Underwriters&#148;</B></FONT><FONT face="Times New Roman" size=2>),
for  whom Keefe, Bruyette &amp; Woods, Inc. is acting as representative (in such  capacity, the &#147;</FONT><FONT face="Times New Roman" size=2><B>Representative</B></FONT><FONT face="Times New Roman" size=2>&#148;),
with  respect to (i) the sale by the Company of 1,443,299 shares (the &#147;</FONT><FONT face="Times New Roman" size=2><B>Initial
Shares</B></FONT><FONT face="Times New Roman" size=2>&#148;) of Common Stock, no par value per share, of the  Company
(the &#147;</FONT><FONT face="Times New Roman" size=2><B>Common  Stock</B></FONT><FONT face="Times New Roman" size=2>&#148;),
and the purchase by the  Underwriters, acting severally and not jointly, in the respective number of  Initial Shares set
forth opposite the names of each of the Underwriters in  Schedule I hereto, and (ii) the grant of the option described in
Section 1(b)  hereof to purchase all or any part of 216,495 additional shares of Common Stock  to cover over-allotments
(the &#147;</FONT><FONT face="Times New Roman" size=2><B>Option Shares</B></FONT><FONT face="Times New Roman" size=2>&#148;),
if any, from the Company to the Underwriters, acting severally and not jointly, in  the respective numbers of shares of
Common Stock set forth opposite the names of  each of the Underwriters listed in Schedule II hereto. The Initial Shares to
be purchased by the Underwriters and all or any part of the Option Shares subject  to the option described in Section
1(b) hereof are hereinafter called,  collectively, the &#147;</FONT><FONT face="Times New Roman" size=2><B>Shares</B></FONT><FONT face="Times New Roman" size=2>.&#148;</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The Company understands that the Underwriters propose to make a public
offering of the Shares as soon as the Underwriters deem advisable after this
Underwriting Agreement (the &#147;</FONT><FONT face="Times New Roman" size=2><B>Agreement</B></FONT><FONT face="Times New Roman" size=2>&#148;) has been
executed and delivered.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The Company has filed with the Securities and Exchange Commission (the
&#147;</FONT><FONT face="Times New Roman" size=2><B>Commission</B></FONT><FONT face="Times New Roman" size=2>&#148;), a registration statement on Form S-3 (No.
333-213260) including a related preliminary prospectus, for the registration of
the Shares under the Securities Act of 1933, as amended (the &#147;</FONT><FONT face="Times New Roman" size=2><B>Securities Act</B></FONT><FONT face="Times New Roman" size=2>&#148;), and the rules and regulations thereunder (the
&#147;</FONT><FONT face="Times New Roman" size=2><B>Securities Act
Regulations</B></FONT><FONT face="Times New Roman" size=2>&#148;). The Company has
prepared and filed such amendments to the registration statement and such
amendments or supplements to the related preliminary prospectus as may have been
required to the date hereof, and will file such additional amendments or
supplements as may hereafter be required. The registration statement has been
declared effective under the Securities Act by the Commission. The registration
statement, as amended at the time it was declared effective by the Commission
(and, if the Company files a post-effective amendment to such registration
statement which becomes effective prior to the Closing Time (as defined below),
such registration statement as so amended)
and including all information deemed to be a part of the registration statement
pursuant to incorporation by reference, Rule 430A of the Securities Act
Regulations or otherwise, is hereinafter called the &#147;<B>Registration Statement</B>.&#148; Any registration statement filed pursuant to
Rule 462(b) of the Securities Act Regulations is hereinafter called the
&#147;<B>Rule 462(b) Registration
Statement</B>,&#148; and after such filing
the term &#147;Registration Statement&#148; shall include the 462(b) Registration
Statement. Each prospectus included in the Registration Statement before it was
declared effective by the Commission under the Securities Act, and any
preliminary form of prospectus filed with the Commission by the Company with the
consent of the Underwriters pursuant to Rule 424(a) of the Securities Act
Regulations, including all information incorporated by reference in either such
prospectus, is hereinafter called the &#147;<B>Preliminary Prospectus</B>.&#148;
The term &#147;&#145;<B>Prospectus</B>&#148; means the
final prospectus, as first filed with the Commission pursuant to paragraph (1)
or (4) of Rule 424(b) of the Securities Act Regulations, and any amendments
thereof or supplements thereto including all information incorporated by
reference therein.</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
Commission has not issued any order preventing or suspending the use of any
Preliminary Prospectus. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
term &#147;</FONT><B><FONT face="Times New Roman" size=2>Disclosure
Package</FONT></B><FONT face="Times New Roman" size=2>&#148; means (i) the
Preliminary Prospectus, as most recently amended or supplemented immediately
prior to the Initial Sale Time (as defined herein), (ii) the Issuer Free Writing
Prospectuses (as defined below), if any, identified in Schedule II hereto, and
(iii) any other Free Writing Prospectus (as defined below) that the parties
hereto shall hereafter expressly agree to treat as part of the Disclosure
Package.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
term &#147;</FONT><B><FONT face="Times New Roman" size=2>Issuer Free Writing
Prospectus</FONT></B><FONT face="Times New Roman" size=2>&#148; means any issuer free
writing prospectus, as defined in Rule 433 of the Securities Act Regulations.
The term &#147;</FONT><B><FONT face="Times New Roman" size=2>Free Writing
Prospectus</FONT></B><FONT face="Times New Roman" size=2>&#148; means any free
writing prospectus, as defined in Rule 405 of the Securities Act Regulations.
</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
Company and the Underwriters agree as follows: </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>1.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Sale and Purchase</FONT></U><FONT face="Times New Roman" size=2>:
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(a)</FONT><FONT face=Arial size=2> </FONT><I><FONT face="Times New Roman" size=2>Initial Shares. </FONT></I><FONT face="Times New Roman" size=2>Upon the
basis of the warranties and representations and other terms and conditions
herein set forth, at the purchase price per share of Common Stock of
$23.15875, the Company agrees to sell to the Underwriters the Initial Shares,
and each Underwriter agrees, severally and not jointly, to purchase from the
Company the number of Initial Shares set forth in Schedule I opposite such
Underwriter&#146;s name, plus any additional number of Initial Shares which such
Underwriter may become obligated to purchase pursuant to the provisions of
Section 8 hereof, subject in each case, to such adjustments among the
Underwriters as the Representative in its sole discretion shall make to
eliminate any sales or purchases of fractional shares.</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(b)</FONT><FONT face=Arial size=2> </FONT><I><FONT face="Times New Roman" size=2>Option Shares</FONT></I><FONT face="Times New Roman" size=2>. In
addition, upon the basis of the warranties and representations and other terms
and conditions herein set forth, at the purchase price per share of Common Stock
set forth in paragraph (a) above, the Company hereby grants an option to the
Underwriters, acting severally and not jointly, to purchase from the
</FONT><FONT face="Times New Roman" size=2>Company, all or any part of the
Option Shares, plus any additional number of Option Shares which such
Underwriter may become obligated to purchase pursuant to the provisions of
Section 8 hereof. The option hereby granted will expire 30 days after the date
hereof and may be exercised in whole or in part from time to time within such
30-day period only for the purpose of covering over-allotments which may be made
in connection with the offering and distribution of the Initial Shares upon
notice by the Representative to the Company setting forth the number of Option
Shares as to which the several Underwriters are then exercising the option and
the time and date of payment and delivery for such Option Shares. Any such time
and date of delivery (an &#147;</FONT><B><FONT face="Times New Roman" size=2>Option
Closing Time</FONT></B><FONT face="Times New Roman" size=2>&#148;) shall be
determined by the Representative, but shall not be later than three full
business days (or earlier, without the consent of the Company, than two full
business days) after the exercise of such option, nor in any event prior to the
Closing Time, as hereinafter defined. If the option is exercised as to all or
any portion of the Option Shares, the Company will sell that number of Option
Shares then being purchased and each of the Underwriters, acting severally and
not jointly, will purchase that proportion of the total number of Option Shares
then being purchased which the number of Initial Shares set forth in Schedule I
opposite the name of such Underwriter bears to the total number of Initial
Shares, subject in each case to such adjustments among the Underwriters as the
Representative in its sole discretion shall make to eliminate any sales or
purchases of fractional shares. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-2- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>2.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Payment and Delivery</FONT></U><FONT face="Times New Roman" size=2>
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(a)</FONT><FONT face=Arial size=2> </FONT><I><FONT face="Times New Roman" size=2>Initial Shares</FONT></I><FONT face="Times New Roman" size=2>. The
Initial Shares to be purchased by each Underwriter hereunder, in definitive
form, and in such authorized denominations and registered in such names as the
Representative may request upon at least forty-eight hours&#146; prior notice to the
Company shall be delivered by or on behalf of the Company to the Representative,
including, at the option of the Representative through the facilities of The
Depository Trust Company (&#147;</FONT><B><FONT face="Times New Roman" size=2>DTC</FONT></B><FONT face="Times New Roman" size=2>&#148;) for the account of
such Underwriter, against payment by or on behalf of such Underwriter of the
purchase price therefor by wire transfer of Federal (same-day) funds to the
account specified to the Representative by the Company upon at least forty-eight
hours&#146; prior notice. The Company will cause the certificates representing the
Initial Shares to be made available for checking and packaging not later than
1:00 p.m. New York City time on the business day prior to the Closing Time (as
defined below) with respect thereto at the office of the Representative, 787
Seventh Avenue, 4<SUP>th</SUP> Floor, New York, New York 10019, or at the office
of DTC or its designated custodian, as the case may be (the &#147;</FONT><B><FONT face="Times New Roman" size=2>Designated Office</FONT></B><FONT face="Times New Roman" size=2>&#148;). The time and date of such delivery and payment
shall be 9:30 a.m., New York City time, on the third (fourth, if the
determination of the purchase price of the Initial Shares occurs after 4:30
p.m., New York City time) business day after the date hereof (unless another
time and date shall be agreed to by the Representative and the Company). The
time and date at which such delivery and payment are actually made is
hereinafter called the &#147;</FONT><B><FONT face="Times New Roman" size=2>Closing
Time.</FONT></B><FONT face="Times New Roman" size=2>&#148; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(b)</FONT><FONT face=Arial size=2> </FONT><I><FONT face="Times New Roman" size=2>Option Shares</FONT></I><FONT face="Times New Roman" size=2>. Any Option
Shares to be purchased by each Underwriter hereunder, in definitive form, and in
such authorized denominations and registered in such names as the Representative
may request upon at least forty-eight hours&#146; prior notice to the Company shall
be delivered by or on behalf of the Company to the Representative, including, at the option of the Representative,
through the facilities of DTC for the account of such Underwriter, against
payment by or on behalf of such Underwriter of the purchase price therefor by
wire transfer of Federal (same-day) funds to the account specified to the
Representative by the Company upon at least forty-eight hours&#146; prior notice. The
Company will cause the certificates representing the Option Shares to be made
available for checking and packaging at least twenty-four hours prior to the
Option Closing Time with respect thereto at the Designated Office. The time and
date of such delivery and payment shall be 9:30 a.m., New York City time, on the
date specified by the Representative in the notice given by the Representative
to the Company of the Underwriters&#146; election to purchase such Option Shares or
on such other time and date as the Company and the Representative may agree upon
in writing. </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>3.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Representations and Warranties of the Company</FONT></U><FONT face="Times New Roman" size=2>: </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
Company represents and warrants to the Underwriters as of the date hereof, the
Initial Sale Time (as defined below), as of the Closing Time and as of any
Option Closing Time (if any), and agrees with each Underwriter, that:
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(a)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Registration Statement has become effective; no stop order suspending
the effectiveness of the Registration Statement has been issued or is in effect,
and no proceedings for such purpose have been initiated or are pending before or
threatened by the Commission. No order preventing or suspending the use of the
preliminary prospectus or any free writing prospectus has been issued by the
Commission. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(b)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>No forward-looking statement (within the meaning of Section 27A of the
Securities Act or Rule 175 under the Securities Act) included or incorporated by
reference in the Registration Statement, the Disclosure Package or the
Prospectus has been made or reaffirmed without a reasonable basis or has been
disclosed other than in good faith. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(c)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Nothing has come to the attention of the Company that has caused the
Company to believe that the statistical and market-related information included
or incorporated by reference in the Registration Statement, the Prospectus and
the Disclosure Package is not based on or derived from sources that are reliable
and accurate in all material respects. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(d)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>(i) Each document filed pursuant to the Exchange Act and incorporated by
reference in the Registration Statement, Disclosure Package, any free writing
prospectus or the Prospectus, when they became effective or were filed with the
Commission, complied in all material respects with the applicable requirements
of the Exchange Act and the applicable rules and regulations of the Commission
thereunder and none of such documents contained any untrue statement of a
material fact or omit to state a material fact necessary to make the statements
therein, in the light of the circumstances under which they were made, not
misleading, (ii) any further documents filed pursuant to the Exchange Act and
incorporated by reference in the Registration Statement, the Disclosure Package,
when they become effective or are filed with the Commission, will comply in all
material respects with the applicable requirements of the Exchange Act and
</FONT><FONT face="Times New Roman" size=2>the applicable rules and regulations
of the Commission thereunder and none of such documents will contain any untrue
statement of a material fact or omit to state a material fact necessary to make
the statements therein, in the light of the circumstances under which they were
made, not misleading, (iii) each part of the Registration Statement, when such
part became effective, did not contain, and each such part, as amended or
supplemented, if applicable, will not contain any 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, (iv) the Registration Statement
as of the date hereof does not contain any 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, (v) the Registration Statement and
the Prospectus comply, and as amended or supplemented, if applicable, will
comply in all material respects with the Securities Act and the applicable rules
and regulations of the Commission thereunder, (vi) the Disclosure Package does
not, and at the time of each sale of the Securities in connection with the
offering when the Prospectus is not yet available to prospective purchasers, and
at each Closing Date (as defined in Section 4), the Disclosure Package, as then
amended or supplemented by the Company, if applicable, will not, contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements therein, in the light of the circumstances under which
they were made, not misleading, and (vii) the Prospectus does not contain and,
as amended or supplemented, if applicable, will not contain any untrue statement
of a material fact or omit to state a material fact necessary to make the
statements therein, in the light of the circumstances under which they were
made, not misleading, except that the representations and warranties set forth
in this paragraph do not apply to statements or omissions in the Registration
Statement, the Disclosure Package or the Prospectus based upon information
relating to the Underwriters furnished to the Company in writing by the
Underwriters expressly for use therein. </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(e)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>(i) At the earliest time after the filing of the Registration Statement
that the Company or another offering participant made a bona fide offer (within
the meaning of Rule 164(h)(2) under the Act) of the Shares and (ii) at the date
of this Agreement, the Company was not and is not an &#147;ineligible issuer&#148; as
defined in Rule 405 of the Securities Act. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(f)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Any free writing prospectus that the Company is required to file pursuant
to Rule 433(d) under the Securities Act has been, or will be (within the time
period specified in Rule 433 under the Securities Act), filed with the
Commission in accordance with the requirements of the Securities Act and the
applicable rules and regulations of the Commission thereunder. Each free writing
prospectus that the Company has filed, or is required to file, pursuant to Rule
433(d) under the Securities Act or that was prepared by or behalf of or used or
referred to by the Company complies or will comply in all material respects with
the requirements of the Securities Act and the applicable rules and regulations
of the Commission thereunder. When taken together with any preliminary
prospectus filed prior to the first use of the free writing prospectus, any free
writing prospectus did not, and at each Closing Date will not, contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements therein, in the light of the circumstances under which
they were made, not misleading, except that the representations and warranties
set forth in this paragraph do </FONT><FONT face="Times New Roman" size=2>not
apply to statements or omissions in any free writing prospectus based upon
information relating to any Underwriter furnished to the Company in writing by
such Underwriter through the Representative expressly for use therein. Except
for the free writing prospectuses, if any, identified in Schedule II hereto, the
Company (including its agents and representatives, other than the Underwriters
in their capacity as such) has not prepared, used, authorized, approved or
referred to, and will not, without your prior consent, prepare, use, authorize,
approve or refer to, any free writing prospectus. </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(g)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>No documents were filed with the Commission since the Commission&#146;s close
of business on the business day immediately prior to the date of this Agreement
and prior to the execution of this Agreement except as set forth on Schedule II
hereto. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(h)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company has been duly incorporated, is presently subsisting as a
corporation in good standing under the laws of the State of New Jersey, is duly
registered as a bank holding company under the Bank Holding Company Act of 1956,
as amended, has the corporate power and authority to own its property and to
conduct its business as described in the Disclosure Package and is duly
qualified to transact business and is in good standing in each jurisdiction in
which the conduct of its business or its ownership or leasing of property
requires such qualification, except to the extent that the failure to be so
qualified or be in good standing would not have, individually or in the
aggregate, a material adverse effect on the general affairs, management,
financial position or prospects, shareholders&#146; equity or results of operations
of the Company and its subsidiaries, taken as a whole (a &#147;</FONT><B><FONT face="Times New Roman" size=2>Material Adverse Effect</FONT></B><FONT face="Times New Roman" size=2>&#148;). The Company has not elected to be treated as a
financial holding company. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(i)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>ConnectOne Bank (the &#147;</FONT><B><FONT face="Times New Roman" size=2>Bank</FONT></B><FONT face="Times New Roman" size=2>&#148;) is duly chartered
as a commercial bank in the State of New Jersey and is presently subsisting as a
commercial bank in good standing under the laws of the State of New Jersey. The
Bank has the corporate power and authority to own its property and to conduct
its business as described in the Disclosure Package and is duly qualified to
transact business and is in good standing in each jurisdiction in which the
conduct of its business or its ownership or leasing of property requires such
qualification, except to the extent that the failure to be so qualified or be in
good standing would not have a Material Adverse Effect on the Company and its
subsidiaries, taken as a whole; all of the issued shares of capital stock of the
Bank have been duly and validly authorized and issued, are fully paid and
non </FONT><FONT face="Times New Roman" size=2>assessable and are owned directly by the Company, free and clear of all
liens, encumbrances, equities or claims. The Bank is the only &#147;significant
subsidiary&#148; of the Company (as defined in Rule 1-02 of Regulation S-X under the
Exchange Act) of the Company.</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(j)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>This Agreement has been duly authorized, executed and delivered by the
Company. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(k)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company has an authorized capitalization as set forth in the
Disclosure Package, and all of the issued shares of capital stock of the Company
have been duly and validly authorized and issued and are fully paid and
non-assessable. The shareholders of the Company have no preemptive rights with
respect to the Shares. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-6- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(l)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Shares have been duly and validly authorized and, when issued and
delivered to and paid for by the Underwriters in accordance with the terms of
this Agreement, will be duly and validly issued and fully paid and
non-assessable. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(m)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The execution and delivery by the Company of, and the performance by the
Company of its obligations under, this Agreement, the issuance and sale of the
Shares, and the consummation of the transactions contemplated herein by the
Company will not contravene or result in a breach or violation of any of the
terms or provisions of, or constitute a default under (or with the giving of
notice or lapse of time would cause the Company to be in default under) (i) any
provision of applicable law, (ii) the Certificate of Incorporation or Bylaws of
the Company, in each case, as amended or restated to date, (iii) any agreement
or other instrument binding upon the Company or any of its subsidiaries that is
material to the Company and its subsidiaries, taken as a whole, or (iv) any
judgment, order or decree of any governmental body, agency or court having
jurisdiction over the Company or any subsidiary and applicable to the Company,
except in the case of clauses (i), (iii) and (iv) for such breaches, violations
or defaults that would not reasonably be expected to have a Material Adverse
Effect. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(n)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>No consent, approval, authorization, filing with or order of,
registration or qualification of or with, any governmental body or agency is
required for the performance by the Company of its obligations under this
Agreement, the Shares or the transactions contemplated by this Agreement, except
as such have already been obtained under the Securities Act, as such may be
required by the securities or Blue Sky laws of the various states in connection
with the offer and sale of the Shares and as such will have been obtained prior
to the Closing Time. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(o)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Neither the Company nor the Bank (i) is in violation of its
organizational documents or (ii) is in violation of or in default under (or with
the giving of notice or lapse of time would be in default under) any indenture,
mortgage, deed of trust, loan agreement, lease or other agreement or instrument
to which it is a party or by which it or any of its properties may be bound,
except in the case of clause (ii) for such violations or defaults that would not
reasonably be expected to have a Material Adverse Effect on the Company and its
subsidiaries, taken as a whole. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(p)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Bank is not currently prohibited, directly or indirectly, from paying
dividends to the Company, from making any other distribution on the Bank&#146;s
capital stock, from repaying the Company any loans or advances to the Bank from
the Company or from transferring any of the Bank&#146;s property or assets to the
Company, except as described in or contemplated by the Disclosure Package and
except as prohibited, restricted or limited by applicable banking laws and
regulations. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(q)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>There has not occurred any change, development or event involving a
prospective change, in the condition (financial or otherwise), results of
operations, business, properties or prospects of the Company and its
subsidiaries, taken as a whole, that is material and adverse, whether or not
arising in the ordinary course of business (a &#147;</FONT><B><FONT face="Times New Roman" size=2>Material Adverse Change</FONT></B><FONT face="Times New Roman" size=2>&#148;), other than as set forth in the Disclosure
Package; and there has not been any dividend or distribution of any kind
declared, paid or made by the Company on any class of its capital stock, any
material change in the capital stock of the
Company or any of its subsidiaries nor any material increase in the short- or
long-term debt of the Company, in each case other than as set forth or
contemplated in the Disclosure Package. </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(r)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>There are no legal or governmental proceedings pending or, to the
knowledge of the Company, threatened to which the Company or any of its
subsidiaries is a party or to which any of the properties of the Company or any
of its subsidiaries is subject other than proceedings (i) that would not have a
Material Adverse Effect on the Company and its subsidiaries, taken as a whole,
or a material adverse effect on the power or ability of the Company to perform
its obligations under this Agreement or the Shares or to consummate the
transactions contemplated by the Disclosure Package or (ii) that are required to
be described in the Registration Statement or the Prospectus and are not so
described; and there are no statutes, regulations, contracts or other documents
that are required to be described in the Registration Statement or the
Prospectus, or to be filed as exhibits to the Registration Statement that are
not described or filed. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(s)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Each preliminary 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 Securities Act, complied when so filed in all material
respects with the Securities Act and the applicable rules and regulations of the
Commission thereunder and did not contain any 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, in the light of the circumstances under which
they were made, not misleading. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(t)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company is not, and after giving effect to the offering and sale of
the Shares and the application of the proceeds thereof as described in the
Disclosure Package will not be, required to register as an &#147;investment company&#148;
as such term is defined in the Investment Company Act of 1940, as amended.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(u)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Each of the Company and its subsidiaries has all material governmental
licenses, permits, consents, orders, approvals and other authorizations
necessary to lease or own, as the case may be, and to operate their respective
properties and to carry on their respective businesses as presently conducted,
except where the failure to have the same would not reasonably be expected to
have, individually or in the aggregate, a Material Adverse Effect. Neither the
Company nor any of its subsidiaries has received any written notice of
proceedings relating to the revocation or modification of any such license,
permit, consent, order, approval or other authorization that, if determined
adversely to the Company or its subsidiaries, would reasonably be expected to
have, individually or in the aggregate, a Material Adverse Effect. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(v)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company and its subsidiaries (i) are in compliance with any and all
applicable foreign, federal, state and local laws and regulations relating to
the protection of human health and safety, the environment or hazardous or toxic
substances or wastes, pollutants or contaminants (&#147;</FONT><B><FONT face="Times New Roman" size=2>Environmental Laws</FONT></B><FONT face="Times New Roman" size=2>&#148;), (ii) have received all permits, licenses or
other approvals required of them under applicable Environmental Laws to conduct
their respective businesses and (iii) are in compliance with all terms and
conditions of any such permit, license or approval, except where such
noncompliance with Environmental Laws, failure to receive required permits,
licenses or other approvals or failure to
comply with the terms and conditions of such permits, licenses or approvals
would not, singly or in the aggregate, have a Material Adverse Effect on the
Company and its subsidiaries, taken as a whole. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-8- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(w)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>There are no costs or liabilities associated with Environmental Laws
(including, without limitation, any capital or operating expenditures required
for cleanup, closure of properties or compliance with Environmental Laws or any
permit, license or approval, any related constraints on operating activities and
any potential liabilities to third parties) which would, singly or in the
aggregate, have a Material Adverse Effect on the Company and its subsidiaries,
taken as a whole. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(x)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Neither the Company nor any of its subsidiaries or affiliates has taken
or will take, nor, to the Company&#146;s knowledge, has any director, officer or
employee or any agent or representative of the Company or of any of its
subsidiaries or affiliates, taken, any action in furtherance of an offer,
payment, promise to pay, or authorization or approval of the payment or giving
of money, property, gifts or anything else of value, directly or indirectly, to
any &#147;government official&#148; (including any officer or employee of a government or
government-owned or controlled entity or of a public international organization,
or any person acting in an official capacity for or on behalf of any of the
foregoing, or any political party or party official or candidate for political
office) in violation of applicable anti-corruption laws; and the Company and its
subsidiaries and affiliates have conducted their businesses in compliance with
applicable anti-corruption laws and have instituted and maintain and will
continue to maintain policies and procedures designed to promote and achieve
compliance with such laws and with the representation and warranty contained
herein. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(y)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>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 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 (USA PATRIOT Act), 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 &#147;</FONT><B><FONT face="Times New Roman" size=2>Anti-Money
Laundering Laws</FONT></B><FONT face="Times New Roman" size=2>&#148;), 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. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(z)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>(i) Neither the Company nor any of its subsidiaries or affiliates, nor,
to the Company&#146;s knowledge, any director, officer or employee or any agent or
representative of the Company or of any of its subsidiaries or affiliates, is an
individual or entity (&#147;</FONT><B><FONT face="Times New Roman" size=2>Person</FONT></B><FONT face="Times New Roman" size=2>&#148;) that is, or is
owned or controlled by a Person that is: </FONT></P>
<P style="PADDING-LEFT: 45pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(A) the subject of any sanctions administered or
enforced by the U.S. Department of Treasury&#146;s Office of Foreign Assets Control,
the United Nations Security Council, the European </FONT><FONT face="Times New Roman" size=2>Union, Her Majesty&#146;s Treasury, or other relevant
sanctions authority (collectively, &#147;</FONT><B><FONT face="Times New Roman" size=2>Sanctions</FONT></B><FONT face="Times New Roman" size=2>&#148;), nor
</FONT></P>

<P align=center><FONT face="Times New Roman" size=2>-9- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="PADDING-LEFT: 45pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(B) located, organized or resident in a country or
territory that is the subject of Sanctions. </FONT></P>
<P style="TEXT-INDENT: 45pt" align=justify><FONT face="Times New Roman" size=2>(ii) The Company will not, directly or indirectly, use the proceeds of
the offering, or lend, contribute or otherwise make available such proceeds to
any subsidiary, joint venture partner or other Person: </FONT></P>
<P style="PADDING-LEFT: 45pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(A) to fund or facilitate any activities or
business of or with any Person or in any country or territory that, at the time
of such funding or facilitation, is the subject of Sanctions; or </FONT></P>
<P style="PADDING-LEFT: 45pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(B) in any other manner that will result in a
violation of Sanctions by any Person (including any Person participating in the
offering, whether as underwriter, advisor, investor or otherwise). </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(iii) For the past five years, the Company and its subsidiaries have not
knowingly engaged in, are not now knowingly engaged in, and will not knowingly
engage in, any dealings or transactions with any Person, or in any country or
territory, that at the time of the dealing or transaction is or was the subject
of Sanctions. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(aa)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company and each of its subsidiaries have filed all federal, state,
local and foreign tax returns required to be filed through the date of this
Agreement or have requested extensions thereof (except where the failure to file
would not, individually or in the aggregate, have a Material Adverse Effect) and
have paid all taxes (including assessments, fines or penalties) required to be
paid thereon (except for cases in which the failure to file or pay would not
have a Material Adverse Effect, or, except as currently being contested in good
faith and for which adequate reserves required by Generally Accepted Accounting
Principles in the United States (&#147;</FONT><B><FONT face="Times New Roman" size=2>U.S. GAAP</FONT></B><FONT face="Times New Roman" size=2>&#148;) have been
created in the financial statements of the Company), and no tax deficiency has
been determined adversely to the Company or any of its subsidiaries which has
had (nor does the Company nor any of its subsidiaries have any notice or
knowledge of any tax deficiency which could reasonably be expected to be
determined adversely to the Company or its subsidiaries and which could
reasonably be expected to have) a Material Adverse Effect. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(bb)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Crowe Horwath LLP, who has certified certain financial statements of the
Company and its subsidiaries, is an independent public accountant as required by
the Securities Act and the rules and regulations of the Commission thereunder.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(cc)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The financial statements of the Company included in the Registration
Statement and the Disclosure Package present fairly in all material respects the
financial position of the Company and its subsidiaries as of the dates shown and
their results of operations and cash flows for the periods shown, and, except as
otherwise disclosed in the Disclosure
Package, such financial statements have been prepared in conformity with U.S.
GAAP applied on a consistent basis. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-10- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="text-indent: 30pt" align=justify><FONT face="Times New Roman" size=2>(dd)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Except as otherwise described
in the Disclosure Package, the Company and each of its subsidiaries maintain a
system of internal controls including, but not limited to, internal control over
accounting matters and financial reporting, an internal audit function and legal
and regulatory compliance controls that comply with the Exchange Act, Securities
Act and Sarbanes-Oxley Act of 2002 and the rules and regulations promulgated in
connection therewith, and are sufficient to provide reasonable assurance that
(i) transactions are executed in accordance with management&#146;s general or
specific authorizations; (ii) transactions are recorded as necessary to permit
preparation of financial statements in conformity with generally accepted
accounting principles and to maintain asset accountability; (iii) access to
assets is permitted only in accordance with management&#146;s general or specific
authorization; (iv) 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 (v) the interactive data in eXtensible Business
Reporting Language included or incorporated by reference in the Registration
Statement is accurate. Except as otherwise described in the Disclosure Package,
the Company&#146;s internal control over financial reporting is effective and there
has been no material weakness in the Company&#146;s internal control over financial
reporting (whether or not remediated). Except as otherwise described in the
Disclosure Package, since the date of the latest audited financial statements of
the Company included or incorporated by reference in the Disclosure Package,
there has been no change in the Company&#146;s internal control over financial
reporting that has materially affected, or is reasonably likely to materially
affect, the Company&#146;s internal control over financial reporting. </FONT></P>
<P style="text-indent: 30pt" align=justify><FONT face="Times New Roman" size=2>(ee)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Except as otherwise described
in the Disclosure Package, the Company maintains disclosure controls and
procedures (as such term is defined in Rule 13a-15(e) under the Exchange Act)
that comply with the requirements of the Exchange Act; such disclosure controls
and procedures have been designed to ensure that material information relating
to the Company and its subsidiaries is made known to the Company&#146;s principal
executive officer and principal financial officer by others within those
entities; and such disclosure controls and procedures are effective. </FONT></P>
<P style="text-indent: 30pt" align=justify><FONT face="Times New Roman" size=2>(ff)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>(i) The Company and the Bank
are in compliance with all laws and regulations administered by the Board of
Governors of the Federal Reserve System, the Federal Deposit Insurance
Corporation (the &#147;</FONT><B><FONT face="Times New Roman" size=2>FDIC</FONT></B><FONT face="Times New Roman" size=2>&#148;), the New Jersey
Department of Banking and Insurance and any other federal or state bank
regulatory authorities with jurisdiction over the Company and its subsidiaries,
except for such failures to be in compliance as would not reasonably be expected
to result in a Material Adverse Effect; and (ii) the deposit accounts of the
Bank are insured up to applicable limits by the FDIC and no proceedings for the
termination or revocation of such insurance are pending or, to the knowledge of
the Company, threatened. </FONT></P>
<P style="text-indent: 30pt" align=justify><FONT face="Times New Roman" size=2>(gg)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The statements set forth in
the Disclosure Package and the Prospectus under the captions &#147;Description of
Common Stock&#148;, insofar as they purport to constitute a summary of the terms of
the Shares, constitute a fair and accurate summary of such terms or provisions,
as applicable, in all material respects; </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-11- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(hh)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company has not taken, directly or indirectly (except through any
Underwriter or any affiliate thereof, as to which no representation is made),
any action designed to or that would constitute or that would reasonably be
expected to cause or result in, under the Exchange Act or otherwise,
stabilization or manipulation of the price of the Shares. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(ii)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The interactive data in eXtensible Business Reporting Language included
or incorporated by reference in the Registration Statement fairly presents the
information called for in all material respects and has been prepared in
accordance with the Commission&#146;s rules and guidelines applicable thereto.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(jj)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Each of the Company and the Bank is in compliance in all material
respects with all applicable laws administered by and regulations of the U.S.
Department of the Treasury, the Federal Reserve, the FDIC, the New Jersey
Department of Banking and Insurance and any other applicable federal or state
bank regulatory authority (collectively, the &#147;</FONT><B><FONT face="Times New Roman" size=2>Bank Regulatory Authorities</FONT></B><FONT face="Times New Roman" size=2>&#148;) with jurisdiction over the Company or the Bank.
Except as otherwise disclosed in the Registration Statement, the Disclosure
Package and the Prospectus, neither the Company nor the Bank is a party to any
written agreement, cease and desist or consent order, or memorandum of
understanding with, or a party to, any commitment letter or similar undertaking
to, or is subject to any order or directive by, or is a recipient of an
extraordinary supervisory letter, formal or informal action, sanction,
limitation or restriction nor has the Company or the Bank adopted any board
resolutions at the request of, any Bank Regulatory Authority (collectively,
&#147;</FONT><B><FONT face="Times New Roman" size=2>Banking Enforcement
Action</FONT></B><FONT face="Times New Roman" size=2>&#148;) that restricts
materially the conduct of its business, or in any manner relates to its capital
adequacy, its credit policies or its management, nor have either of them been
advised by any Bank Regulatory Authority that it is contemplating issuing or
requesting (or is considering the appropriateness of issuing or requesting) any
such Banking Enforcement Action and there is no unresolved violation, criticism
or exception by any Bank Regulatory Authority with respect to any report or
statement relating to any examinations of the Company of any of its
subsidiaries, which in any case specified in the foregoing clauses, to the
Company&#146;s or the Bank&#146;s knowledge, is threatened, and with respect to any such
case specified in the foregoing clauses, is or would reasonably be expected to
be material to, the Company or the Bank. The most recent regulatory rating given
to the Bank as to compliance with the Community Reinvestment Act of 1977, as
amended (the &#147;</FONT><B><FONT face="Times New Roman" size=2>CRA</FONT></B><FONT face="Times New Roman" size=2>&#148;) is &#147;satisfactory.&#148; Except as otherwise
disclosed in the Registration Statement, the Disclosure Package and the
Prospectus, to the knowledge of the Company, since the Bank&#146;s last CRA
compliance examination, the Bank has not received any complaints as to CRA
compliance and no adverse changes in the Bank&#146;s CRA composite rating or any
component thereof is pending, or to the Company&#146;s or the Bank&#146;s knowledge,
threatened, that is material to, or would reasonably be expected to be material
to, the Company or the Bank. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>4.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Certain Covenants</FONT></U><FONT face="Times New Roman" size=2>:
</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
Company hereby agrees with each Underwriter: </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(a)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to furnish such information as may be required and otherwise to cooperate
in qualifying the Shares for offering and sale under the securities or blue sky
laws of such jurisdictions (both domestic
and foreign) as the Representative may designate and to maintain such
qualifications in effect as long as requested by the Representative for the
distribution of the Shares, provided that the Company shall not be required to
qualify as a foreign corporation or to consent to the service of process under
the laws of any such jurisdiction (except service of process with respect to the
offering and sale of the Shares); </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-12- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(b)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>if, at the time this Agreement is executed and delivered, it is necessary
for a post-effective amendment to the Registration Statement to be declared
effective before the offering of the Shares may commence, the Company will
endeavor to cause such post-effective amendment to become effective as soon as
possible and will advise the Representative promptly and, if requested by the
Representative, will confirm such advice in writing, when such post-effective
amendment has become effective; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(c) </FONT><FONT face="Times New Roman" size=2>to prepare the Prospectus in a form approved by the Underwriters and file
such Prospectus with the Commission pursuant to Rule 424(b) </FONT><FONT face="Times New Roman" size=2>under the Securities Act not
later than 10:00 a.m. (New York City time), on the day following the execution
and delivery of this Agreement or on such other day as the parties may mutually
agree and to furnish promptly (and with respect to the initial delivery of such
Prospectus, not later than 10:00 a.m. (New York City time) on the day following
the execution and delivery of this Agreement or on such other day as the parties
may mutually agree) to the Underwriters copies of the Prospectus (or of the
Prospectus as amended or supplemented if the Company shall have made any
amendments or supplements thereto after the effective date of the Registration
Statement) in such quantities and at such locations as the Underwriters may
reasonably request for the purposes contemplated by the Securities Act
Regulations, which Prospectus and any amendments or supplements thereto
furnished to the Underwriters will be identical to the version transmitted to
the Commission for filing via EDGAR, except to the extent permitted by
Regulation S-T;</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(d)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to furnish a copy of each proposed Free Writing Prospectus to the
Representative and counsel for the Underwriters and obtain the consent of the
Representative prior to referring to, using or filing with the Commission any
Free Writing Prospectus pursuant to Rule 433(d) under the Securities Act, other
than the Issuer Free Writing Prospectuses, if any, identified in Schedule II
hereto;</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(e)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to comply with the requirements of Rules 164 and 433 of the Securities
Act Regulations applicable to any Issuer Free Writing Prospectus, including
timely filing with the Commission, legending and record keeping, as applicable;
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(f)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to advise the Representative immediately, confirming such advice in
writing, of (i) the receipt of any comments from, or any request by, the
Commission for amendments or supplements to the Registration Statement, the
Preliminary Prospectus, the Prospectus or any Issuer Free Writing Prospectus, or
for additional information with respect thereto, (ii) 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 the Preliminary
Prospectus, the Prospectus or any Issuer Free Writing Prospectus, or of the
suspension of the qualification of the Shares for offering or sale in any jurisdiction, or of the initiation or
threatening of any proceedings for any of such purposes and, if the Commission
or any other government agency or authority should issue any such order, to make
every reasonable effort to obtain the lifting or removal of such order as soon
as possible, (iii) any examination pursuant to Section 8(e) of the Securities
Act concerning the Registration Statement, or (iv) if the Company becomes
subject to a proceeding under Section 8A of the Securities Act in connection
with the public offering of Shares contemplated herein; to advise the
Representative promptly of any proposal to amend or supplement the Registration
Statement, the Preliminary Prospectus, the Prospectus or any Issuer Free Writing
Prospectus and to file no such amendment or supplement to which the
Representative shall reasonably object in writing; </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-13- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(g)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to furnish to the Underwriters for a period of five years from the date
of this Agreement (i) as soon as available, copies of all annual, quarterly and
current reports or other communications supplied to holders of shares of Common
Stock, (ii) as soon as practicable after the filing thereof, copies of all
reports filed by the Company with the Commission, FINRA or any securities
exchange and (iii) such other information as the Underwriters may reasonably
request regarding the Company and the subsidiaries; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(h)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to advise the Representative promptly of the happening of any event or
development known to the Company within the time during which a Prospectus
relating to the Shares (or in lieu thereof the notice referred to in Rule 173(a)
under the Securities Act Regulations) is required to be delivered under the
Securities Act Regulations which, in the judgment of the Company or in the
reasonable opinion of the Representative or counsel for the Underwriters, (i)
would require the making of any change in the Prospectus or the Disclosure
Package so that the Prospectus or the Disclosure Package would not include 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, in the light of
the circumstances under which they were made, not misleading, (ii) as a result
of which any Issuer Free Writing Prospectus conflicted or would conflict with
the information contained in the Registration Statement relating to the Shares,
or (iii) if it is necessary at any time to amend or supplement the Prospectus or
the Disclosure Package to comply with any law and, during such time, to promptly
prepare and furnish to the Underwriters copies of the proposed amendment or
supplement before filing any such amendment or supplement with the Commission
and thereafter promptly furnish at the Company&#146;s own expense to the Underwriters
and to dealers, copies in such quantities and at such locations as the
Representative may from time to time reasonably request of an appropriate
amendment or supplement to the Prospectus or the Disclosure Package so that the
Prospectus or the Disclosure Package as so amended or supplemented will not, in
the light of the circumstances when it (or in lieu thereof the notice referred
to in Rule 173(a) under the Securities Act Regulations) is so delivered, be
misleading or, in the case of any Issuer Free Writing Prospectus, conflict with
the information contained in the Registration Statement, or so that the
Prospectus or the Disclosure Package will comply with the law; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(i)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to file promptly with the Commission any amendment or supplement to the
Registration Statement, any Preliminary Prospectus, the Prospectus or any Issuer Free Writing Prospectus that may, in
the judgment of the Company or the Representative, be required by the Securities
Act or requested by the Commission; </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-14- </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(j)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>prior to filing with the Commission any amendment or supplement to the
Registration Statement, any Preliminary Prospectus, the Prospectus or any Issuer
Free Writing Prospectus, to furnish a copy thereof to the Representative and
counsel for the Underwriters and obtain the consent of the Representative to the
filing; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(k)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to furnish promptly to the Representative a signed copy of the
Registration Statement, as initially filed with the Commission, and of all
amendments or supplements thereto (including all exhibits filed therewith or
incorporated by reference therein) and such number of conformed copies of the
foregoing as the Representative may reasonably request; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(l)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to furnish to the Representative, not less than two business days before
filing with the Commission, during the period referred to in paragraph (i)
above, a copy of any document proposed to be filed with the Commission pursuant
to Section 13, 14, or 15(d) of the Exchange Act and during the period of five
years hereafter to file all such documents in the manner and within the time
periods required by the Exchange Act and the Exchange Act Regulations;
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(m)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to apply the net proceeds of the sale of the Shares in accordance with
its statements under the caption &#147;Use of Proceeds&#148; in the Prospectus and the
Disclosure Package; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(n)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to make generally available to its security holders and to deliver to the
Representative as soon as practicable, but in any event not later than the end
of the fiscal quarter first occurring after the first anniversary of the
effective date of the Registration Statement an earnings statement complying
with the provisions of Section 11(a) of the Securities Act (in form, at the
option of the Company, complying with the provisions of Rule 158 of the
Securities Act Regulations,) covering a period of 12 months beginning after the
effective date of the Registration Statement; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(o)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to use its best efforts to maintain the listing of the Shares on the
Nasdaq Global Select Market (the &#147;</FONT><B><FONT face="Times New Roman" size=2>Nasdaq</FONT></B><FONT face="Times New Roman" size=2>&#148;) and to file with
the Nasdaq all documents and notices required by the Nasdaq of companies that
have securities that are traded and quotations for which are reported by the
Nasdaq; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(p)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to engage and maintain, at its expense, a registrar and transfer agent
for the Shares; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(q)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to refrain, from the date hereof until 90 days after the date of the
Prospectus, without the prior written consent of the Representative, from,
directly or indirectly, (i) offering, pledging, selling, contracting to sell,
selling any option or contract to purchase, purchasing any option or contract to
sell, granting any option for the sale of, or otherwise disposing of or
transferring, (or entering into any transaction or device which is designed to,
or could be expected to, result in the disposition by any person at any time in
the future of), any share of Common Stock or any securities convertible into
or exercisable or exchangeable for Common
Stock, or filing any registration statement under the Securities Act with
respect to any of the foregoing, or (ii) entering 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 (A) the Shares to be sold
hereunder, or (B) any shares of Common Stock issued by the Company upon the
exercise of an option outstanding on the date hereof and referred to in the
Prospectus; </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-15- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(r)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>not to, and to use its best efforts to cause its officers, directors and
affiliates not to, (i) take, directly or indirectly prior to termination of the
underwriting syndicate contemplated by this Agreement, any action designed to
stabilize or manipulate the price of any security of the Company, or which may
cause or result in, or which might in the future reasonably be expected to cause
or result in, the stabilization or manipulation of the price of any security of
the Company, to facilitate the sale or resale of any of the Shares, (ii) sell,
bid for, purchase or pay anyone any compensation for soliciting purchases of the
Shares or (iii) pay or agree to pay to any person any compensation for
soliciting any order to purchase any other securities of the Company;</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(s)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>to cause each director and certain officers of the Company to furnish to
the Representative, prior to the execution of this Agreement, a letter or
letters, substantially in the form of Exhibit A hereto, pursuant to which each
such person shall agree not to, directly or indirectly, (1) offer for sale,
sell, pledge or otherwise dispose of (or enter into any transaction or device
which is designed to, or could be expected to, result in the disposition by any
person at any time in the future of) any shares of Common Stock or securities
convertible into or exchangeable for Common Stock or (2) enter into any swap or
other derivatives transaction that transfers to another, in whole or in part,
any of the economic benefits or risks of ownership of such shares of Common
Stock, whether any such transaction described in clause (1) or (2) above is to
be settled by delivery of Common Stock or other securities, in cash or
otherwise, in each case for a period from the date hereof until 90 days after
the date of the Prospectus, without the prior written consent of the
Representative on behalf of the Underwriters; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(t)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>if, at any time during the 90-day period after the date of the
Prospectus, any rumor, publication or event relating to or affecting the Company
shall occur as a result of which, in the reasonable opinion of the
Representative, the market price of the Common Stock has been or is likely to be
materially affected (regardless of whether such rumor, publication or event
necessitates a supplement to or amendment of the Prospectus) and after written
notice from the Representative advising the Company to the effect set forth
above, to forthwith prepare, consult with the Representative concerning the
substance of, and disseminate a press release or other public statement,
reasonably satisfactory to the Representative, responding to or commenting on
such rumor, publication or event; </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(u)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>that the Company will comply with all of the provisions of any
undertakings in the Registration Statement; </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-16- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>5.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Payment of Expenses</FONT></U><FONT face="Times New Roman" size=2>:
</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
Company agrees to pay all costs and expenses incident to the performance of its
obligations under this Agreement, whether or not the transactions contemplated
hereunder are consummated or this Agreement is terminated, including expenses,
fees and taxes in connection with (i) the preparation and filing of the
Registration Statement, each Preliminary Prospectus, the Prospectus, any Issuer
Free Writing Prospectus and any amendments or supplements thereto, and the
printing and furnishing of copies of each thereof to the Underwriters and to
dealers (including costs of mailing and shipment), (ii) the preparation,
issuance and delivery of the certificates for the Shares to the Underwriters,
including any stock or other transfer taxes or duties payable upon the sale of
the Shares to the Underwriters, (iii) the printing of this Agreement and any
dealer agreements and furnishing of copies of each to the Underwriters and to
dealers (including costs of mailing and shipment), (iv) the qualification of the
Shares for offering and sale under state laws that the Company and the
Underwriters have mutually agreed are appropriate and the determination of their
eligibility for investment under state law as aforesaid (including the legal
fees and filing fees and other disbursements of counsel for the Underwriters)
assuming that the Common Stock is approved for quotation on the Nasdaq and the
printing and furnishing of copies of any blue sky surveys or legal investment
surveys to the Underwriters and to dealers, (v) the fees and expenses of any
transfer agent or registrar for the Shares and miscellaneous expenses referred
to in the Registration Statement, (vi) the fees and expenses incurred in
connection with the inclusion of the Shares in the Nasdaq, (vii) making road
show presentations with respect to the offering of the Shares, (viii) the
document production charges and expenses associated with printing this Agreement
for the Representative and its legal counsel and (ix) the performance of the
Company&#146;s other obligations hereunder. Upon the request of the Representative,
the Company will provide funds in advance for filing fees. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>6.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Conditions of the Underwriters&#146; Obligations</FONT></U><FONT face="Times New Roman" size=2>:</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
obligations of the Underwriters hereunder to purchase Shares at the Closing Time
or on each Option Closing Time, as applicable, are subject to the accuracy of
the representations and warranties on the part of the Company hereunder on the
date hereof and at the Closing Time and on each Option Closing Time, as
applicable, the performance by the Company of its obligations hereunder and to
the satisfaction of the following further conditions at the Closing Time or on
each Option Closing Time, as applicable: </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(a)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company shall furnish to the Underwriters at the Closing Time and on
each Option Closing Time (if applicable) an opinion of Windels Marx Lane
</FONT><FONT face="Times New Roman" size=2>&amp; Mittendorf, LLP, counsel for
the Company and the subsidiaries, addressed to the Underwriters and dated the
Closing Time and each Option Closing Time and in form and substance satisfactory
to Silver, Freedman, Taff &amp; Tiernan LLP, counsel for the Underwriters.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(b)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>On the date of this Agreement and at the Closing Time and each Option
Closing Time (if applicable), the Representative shall have received from Crowe
Horwath LLP, letters dated the respective
dates of delivery thereof and addressed to the Representative, in form and
substance satisfactory to the Representative, containing statements and
information of the type specified in AU Section 634 &#147;Letters for Underwriters
and Certain other Requesting Parties&#148; issued by the American Institute of
Certified Public Accountants with respect to the financial statements, including
any pro forma financial statements, and certain financial information of the
Company and the subsidiaries included or incorporated by reference in the
Registration Statement, the Prospectus and the Disclosure Package, and such
other matters customarily covered by comfort letters issued in connection with
registered public offerings; provided, that the letters delivered at the Closing
Time and each Option Closing Time (if applicable) shall use a &#147;cut-off&#148; date no
more than three business days prior to such Closing Time or such Option Closing
Time, as the case may be. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-17- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>In
the event that the letters referred to above set forth any changes, decreases or
increases, it shall be a further condition to the obligations of the
Underwriters that (A) such letters shall be accompanied by a written explanation
of the Company as to the significance thereof, unless the Representative deems
such explanation unnecessary, and (B) such changes, decreases or increases do
not, in the sole judgment of the Representative, make it impractical or
inadvisable to proceed with the purchase and delivery of the Shares as
contemplated by the Registration Statement. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(c)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>On the date of this Agreement and at the Closing Time and each Option
Closing Time (if applicable), the Representative shall have received from the
Company&#146;s Chief Financial Officer a certificate dated the respective dates of
delivery thereof and addressed to the Representative, in form and substance
satisfactory to the Representative, with respect to certain financial
information of the Company and the subsidiaries included or incorporated by
reference in the Registration Statement, the Prospectus and the Disclosure
Package, in form and substance satisfactory to the Representative. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(d)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Registration Statement shall have become effective not later than
5:00 p.m., New York City time, on the date of this Agreement, or such later time
and date as the Representative shall approve. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(e)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>No amendment or supplement to the Registration Statement, the Prospectus
or any document in the Disclosure Package shall have been filed to which the
Underwriters shall have objected in writing. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(f)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Prior to the Closing Time and each Option Closing Time (i) no stop order
suspending the effectiveness of the Registration Statement or any order
preventing or suspending the use of the Prospectus or any document in the
Disclosure Package shall have been issued, and no proceedings for such purpose
shall have been initiated or threatened, by the Commission, and no suspension of
the qualification of the Shares for offering or sale in any jurisdiction, or the
initiation or threatening of any proceedings for any of such purposes, has
occurred; (ii) all requests for additional information on the part of the
Commission shall have been complied with to the reasonable satisfaction of the
Representative; (iii) the Registration Statement shall 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; and (iv) the Prospectus and the Disclosure
Package shall not contain an untrue statement of a material fact or omit to
state a material fact necessary to make the statements therein, in the light of
the circumstances under which they were made, not misleading. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-18- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(g)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>All filings with the Commission required by Rule 424 under the Securities
Act to have been filed by the Closing Time shall have been made within the
applicable time period prescribed for such filing by such Rule. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(h)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Between the time of execution of this Agreement and the Closing Time or
the relevant Option Closing Time there shall not have been any Material Adverse
Change or any prospective Material Adverse Change, and (ii) no transaction which
is material and unfavorable to the Company shall have been entered into by the
Company or any of the subsidiaries, in each case, which in the Representative&#146;s
sole judgment, makes it impracticable or inadvisable to proceed with the public
offering of the Shares as contemplated by the Registration Statement.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(i)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Shares shall have been approved for inclusion in the Nasdaq Global
Select Market, to the extent such approval is required under Nasdaq rules.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(j)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Representative shall have received lock-up agreements from each
director and certain officers of the Company, in the form of Exhibit A attached
hereto, and such letter agreements shall be in full force and effect.
</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(k)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company will, at the Closing Time and on each Option Closing Time,
deliver to the Underwriters a certificate of its Chairman of the Board, Chief
Executive Officer, President, Chief Operating Officer or Vice President and
Chief Accounting Officer or Chief Financial Officer, to the effect that:
</FONT></P>
<P style="PADDING-LEFT: 30pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(i)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>the representations and warranties of the Company
in this Agreement are true and correct, as if made on and as of the Closing Time
or any Option Closing Time, as applicable, and the Company has complied with all
the agreements and satisfied all the conditions on its part to be performed or
satisfied at or prior to the Closing Time or any Option Closing Time, as
applicable; </FONT></P>
<P style="PADDING-LEFT: 30pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(ii)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>no stop order suspending the effectiveness of the
Registration Statement or any post-effective amendment thereto and no order
directed at any document incorporated by reference therein </FONT><FONT face="Times New Roman" size=2>(&#147;</FONT><B><FONT face="Times New Roman" size=2>Incorporated Document</FONT></B><FONT face="Times New Roman" size=2>&#148;)
has been issued and no proceedings for that purpose have been instituted or are
pending or threatened under the Securities Act; </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-19- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="PADDING-LEFT: 30pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(iii)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>the signers of such certificate have carefully
examined the Registration Statement, the Prospectus, the Disclosure Package, any
amendment or supplement thereto, and this Agreement, and that when the
Registration Statement became effective and at all times subsequent thereto up
to the Closing Time or any Option Closing Time, as applicable, the Registration
Statement and the Prospectus and the Preliminary Prospectus, and any amendments
or supplements thereto and any Incorporated Documents, when such Incorporated
Documents became effective or were filed with the Commission, contained all
material information required to be included therein by the Securities Act or
the Exchange Act and the applicable rules and regulations of the Commission
thereunder, as the case may be, and in all material respects conformed to the
requirements of the Securities Act or the Exchange Act and the applicable rules
and regulations of the Commission thereunder, as the case may be; the
Registration Statement and any amendments thereto, did not and, as of the
Closing Time or any Option Closing Time, as applicable, does 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 and
the Prospectus and the Disclosure Package, and any amendments or supplements
thereto, did not and as of the Closing Time or any Option Closing Time, as
applicable, do not include any 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, in the light of the circumstances under which they were
made, not misleading; and, since the effective date of the Registration
Statement, there has occurred no event required to be set forth in an amendment
or supplement to the Prospectus or the Disclosure Package which has not been so
set forth; and </FONT></P>
<P style="PADDING-LEFT: 30pt; TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>(iv)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>subsequent to the respective dates as of which
information is given in the Registration Statement, the Prospectus and the
Disclosure Package, there has not been (a) any Material Adverse Change, (b) any
transaction that is material to the Company and the subsidiaries considered as
one enterprise, except transactions entered into in the ordinary course of
business, (c) any obligation, direct or contingent, that is material to the
Company and the subsidiaries considered as one enterprise, incurred by the
Company or the subsidiaries, except obligations incurred in the ordinary course
of business, (d) any change in the capital stock or outstanding indebtedness of
the Company or any subsidiary that is material to the Company and the
subsidiaries considered as one enterprise, (e) any dividend or distribution of
any kind declared, paid or made on the capital stock of the Company or any
subsidiary, or (f) any loss or damage (whether or not insured) to the property
of the Company or any subsidiary which has been sustained or will have been
sustained which has a Material Adverse Effect. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(l)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company shall have furnished to the Underwriters such other documents
and certificates as to the accuracy and completeness of any statement in the
Registration Statement, the Prospectus and the Disclosure Package, the
representations, warranties and statements of the Company contained herein, and
the performance by the Company of its covenants contained herein, and the
fulfillment of any conditions contained herein, as of the Closing Time or any
Option Closing Time, as the Underwriters may reasonably request. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-20- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>7.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Termination</FONT></U><FONT face="Times New Roman" size=2>: </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
obligations of the several Underwriters hereunder shall be subject to
termination in the absolute discretion of the Representative, at any time prior
to the Closing Time or any Option Closing Time, (i) if any of the conditions
specified in Section 6 shall not have been fulfilled when and as required by
this Agreement to be fulfilled, or (ii) if there has been since the respective
dates as of which information is given in the Registration Statement, the
Prospectus or the Disclosure Package, any Material Adverse Change, or any
development involving a prospective Material Adverse Change, or material change
in management of the Company or any subsidiary, whether or not arising in the
ordinary course of business, or (iii) if there has occurred any outbreak or
escalation of hostilities or other national or international calamity or crisis
or change in economic, political or other conditions, the effect of which on the
United States or international financial markets is such as to make it, in the
judgment of the Representative, impracticable to market the Shares or enforce
contracts for the sale of the Shares, or (iv) if trading in any securities of
the Company has been suspended by the Commission or by the Nasdaq, or if trading
generally on the New York Stock Exchange or in the Nasdaq over-the-counter
market has been suspended (including an automatic halt in trading pursuant to
market-decline triggers, other than those in which solely program trading is
temporarily halted), or limitations on prices for trading (other than
limitations on hours or numbers of days of trading) have been fixed, or maximum
ranges for prices for securities have been required, by such exchange or the
FINRA or the over-the-counter market or by order of the Commission or any other
governmental authority, or (v) if there has been any downgrade in the rating of
any of the Company&#146;s debt securities or preferred stock by any &#147;nationally
recognized statistical rating organization&#148; (as defined for purposes of Rule
436(g) under the Securities Act), or (vi) any federal, state, local or foreign
statute, regulation, rule or order of any court or other governmental authority
has been enacted, published, decreed or otherwise promulgated which, in the
reasonable opinion of the Representative, materially adversely affects or will
materially adversely affect the business or operations of the Company, or (vii)
any action has been taken by any federal, state, local or foreign government or
agency in respect of its monetary or fiscal affairs which, in the reasonable
opinion of the Representative, could reasonably be expected to have a material
adverse effect on the securities markets in the United States. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>If
the Representative elects to terminate this Agreement as provided in this
Section 7, the Company and the Underwriters shall be notified promptly by
telephone, promptly confirmed by facsimile. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>If
this Agreement is terminated pursuant to this Section 7 or if for any reason the
purchase of any of the Shares by the Underwriters is not consummated, the
Company shall remain responsible for the expenses to be paid or reimbursed by it
pursuant to Section 5 and the respective obligations of the Company and the
Underwriters pursuant to Section 9. If this Agreement shall be terminated by the
Underwriters, or any of them, under Sections 7 or 8 or otherwise because of any
failure or refusal on the part of the Company to comply with the terms or to
fulfill any of the conditions of this Agreement, or if for any reason the
Company shall be unable to perform its obligations under this Agreement or any
condition of the Underwriters&#146; obligations cannot be fulfilled, the Company agrees to reimburse the Underwriters or
such Underwriters as have so terminated this Agreement with respect to
themselves, severally, for its out-of-pocket expenses (including the fees and
expenses of its counsel) reasonably incurred by the Underwriter in connection
with this Agreement or the offering contemplated hereunder.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-21- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>8.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Increase in Underwriters&#146; Commitments</FONT></U><FONT face="Times New Roman" size=2>: </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>If
any Underwriter shall default at the Closing Time or on any Option Closing Time
in its obligation to take up and pay for the Shares to be purchased by it under
this Agreement on such date, the Representative shall have the right, within 36
hours after such default, 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 Shares which such Underwriter shall have agreed but failed
to take up and pay for (the &#147;</FONT><B><FONT face="Times New Roman" size=2>Defaulted Shares</FONT></B><FONT face="Times New Roman" size=2>&#148;). Absent
the completion of such arrangements within such 36-hour period, (i) if the total
number of Defaulted Shares does not exceed 10% of the total number of Shares to
be purchased on such date, each non-defaulting Underwriter shall take up and pay
for (in addition to the number of Shares which it is otherwise obligated to
purchase on such date pursuant to this Agreement) the portion of the total
number of Shares agreed to be purchased by the defaulting Underwriter on such
date in the proportion that its underwriting obligations hereunder bears to the
underwriting obligations of all non-defaulting Underwriters; and (ii) if the
total number of Defaulted Shares exceeds 10% of such total, the Representative
may terminate this Agreement by notice to the Company, without liability of any
party to any other party except that the provisions of Sections 5 and 9 hereof
shall at all times be effective and shall survive such termination. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>Without relieving any defaulting Underwriter from its obligations
hereunder, the Company agrees with the non-defaulting Underwriters that it will
not sell any Shares hereunder on such date unless all of the Shares to be
purchased on such date are purchased on such date by the Underwriters (or by
substituted Underwriters selected by the Representative with the approval of the
Company or selected by the Company with the approval of the Representative).
</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>If a
new Underwriter or Underwriters are substituted for a defaulting Underwriter in
accordance with the foregoing provision, the Company or the non-defaulting
Underwriters shall have the right to postpone the Closing Time or the relevant
Option Closing Time for a period not exceeding five business days in order that
any necessary changes in the Registration Statement and Prospectus and other
documents may be effected. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
term &#147;Underwriter&#148; as used in this Agreement shall refer to and include any
Underwriter substituted under this Section 8 with the same effect as if such
substituted Underwriter had originally been named in this Agreement. </FONT></P>

<P align=center><FONT face="Times New Roman" size=2>-22- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>9.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Indemnity and Contribution by the Company and the
Underwriters</FONT></U><FONT face="Times New Roman" size=2>: </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(a)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company agrees to indemnify, defend and hold harmless each
Underwriter and any person who controls any Underwriter within the meaning of
Section 15 of the Securities Act or Section 20 of the Exchange Act, and the
respective directors, </FONT><FONT face="Times New Roman" size=2>officers,
employees and agents of each Underwriter from and against any loss, expense,
liability, damage or claim (including the reasonable cost of investigation)
which, jointly or severally, any such Underwriter or controlling person may
incur under the Securities Act, the Exchange Act or otherwise, insofar as such
loss, expense, liability, damage or claim arises out of or is based upon (A) any
breach of any representation, warranty or covenant of the Company contained
herein, (B) any failure on the part of the Company to comply with any applicable
law, rule or regulation relating to the offering of securities being made
pursuant to the Prospectus, (C) any untrue statement or alleged untrue statement
of a material fact contained in the Registration Statement (or any amendment),
any Issuer Free Writing Prospectus that the Company has filed or was required to
file with the Commission or is otherwise required retain, or the Prospectus (the
term Prospectus for the purpose of this Section 9 being deemed to include any
Preliminary Prospectus, the Prospectus and the Prospectus as amended or
supplemented by the Company), (D) any application or other document, or any
amendment or supplement thereto, executed by the Company or based upon written
information furnished by or on behalf of the Company filed in any jurisdiction
(domestic or foreign) in order to qualify the Shares under the securities or
blue sky laws thereof or filed with the Commission or any securities association
or securities exchange (each an &#147;</FONT><B><FONT face="Times New Roman" size=2>Application</FONT></B><FONT face="Times New Roman" size=2>&#148;), (E) any
omission or alleged omission to state a material fact required to be stated in
any such Registration Statement, or necessary to make the statements made
therein not misleading, (F) any omission or alleged omission from any such
Issuer Free Writing Prospectus, Prospectus or any Application of a material fact
necessary to make the statements made therein, in the light of the circumstances
under which they were made, not misleading, (G) any untrue statement or alleged
untrue statement of any material fact contained in any audio or visual materials
used in connection with the marketing of the Shares, including, without
limitation, slides, videos, films and tape recordings; except, in the case of
(C), (E) and (F) above only, insofar as any such loss, expense, liability,
damage or claim arises out of or is based upon any untrue statement or alleged
untrue statement or omission or alleged omission of a material fact contained in
and in conformity with information furnished in writing by the Underwriters
through the Representative to the Company expressly for use in such Registration
Statement, Prospectus or Application. The indemnity agreement set forth in this
Section 9(a) shall be in addition to any liability which the Company may
otherwise have. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(b)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>If any action is brought against an Underwriter or any controlling person
in respect of which indemnity may be sought against the Company pursuant to
subsection (a) above, such Underwriter shall promptly notify the Company in
writing of the institution of such action, and the Company shall assume the
defense of such action, including the employment of counsel and payment of
expenses; provided, however, that any failure or delay to so notify the Company
will not relieve the Company of any obligation hereunder, except to the extent
that its ability to defend is actually impaired by such failure or delay. Such
Underwriter or controlling person shall have the right to employ its or their
own counsel in any such case, but the fees and expenses of such counsel shall be
at the expense of such Underwriter or such controlling person unless the
employment of such counsel shall have been authorized in writing by the Company
in connection with the defense of such action, or the Company shall not have
employed counsel to have charge of the defense of such action within a
reasonable time or such indemnified party or parties shall have reasonably
concluded (based on the advice of counsel)
that there may be defenses available to it or them which are different from or
additional to those available to the Company (in which case the Company shall
not have the right to direct the defense of such action on behalf of the
indemnified party or parties), in any of which events such fees and expenses
shall be borne by the Company and paid as incurred (it being understood,
however, that the Company shall not be liable for the expenses of more than one
separate firm of attorneys for the Underwriters or controlling persons in any
one action or series of related actions in the same jurisdiction (other than
local counsel in any such jurisdiction) representing the indemnified parties who
are parties to such action). Anything in this paragraph to the contrary
notwithstanding, the Company shall not be liable for any settlement of any such
claim or action effected without its consent. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-23- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(c)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>Each Underwriter agrees, severally and not jointly, to indemnify, defend
and hold harmless the Company, the Company&#146;s directors, the Company&#146;s officers
that signed the Registration Statement, and any person who controls the Company
within the meaning of Section 15 of the Securities Act or Section 20 of the
Exchange Act, from and against any loss, expense, liability, damage or claim
(including the reasonable cost of investigation) which the Company or any such
person may incur under the Securities Act, the Exchange Act or otherwise,
insofar as such loss, expense, liability, damage or claim arises out of or is
based upon (A) any untrue statement or alleged untrue statement of a material
fact contained in the Registration Statement (or any amendment), any Issuer Free
Writing Prospectus that the Company has filed or was required to file with the
Commission, or the Prospectus, or any Application, (B) any omission or alleged
omission to state a material fact required to be stated in any such Registration
Statement, or necessary to make the statements made therein not misleading, or
(C) any omission or alleged omission from any such Issuer Free Writing
Prospectus, Prospectus or any Application of a material fact necessary to make
the statements made therein, in the light of the circumstances under which they
were made, not misleading, but in each case only insofar as such untrue
statement or alleged untrue statement or omission or alleged omission was made
in such Registration Statement, Issuer Free Writing Prospectus, Prospectus or
Application in reliance upon and in conformity with information furnished in
writing by the Underwriters through the Representative to the Company expressly
for use therein. The statements set forth in the paragraph identified by
&#147;Stabilization&#148; under the caption &#147;Underwriting&#148; in the Preliminary Prospectus,
the Disclosure Package and the Prospectus (to the extent such statements relate
to the Underwriters) constitute the only information furnished by or on behalf
of any Underwriter through the Representative to the Company for purposes of
Section 3(d), Section 3(f) and this Section 9.</FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>If
any action is brought against the Company or any such person in respect of which
indemnity may be sought against any Underwriter pursuant to the foregoing
paragraph, the Company or such person shall promptly notify the Representative
in writing of the institution of such action and the Representative, on behalf
of the Underwriters, shall assume the defense of such action, including the
employment of counsel and payment of expenses. The Company or such person shall
have the right to employ its own counsel in any such case, but the fees and
expenses of such counsel shall be at the expense of the Company or such person
unless the employment of such counsel shall have been authorized in writing by
the Representative in connection with the defense of such action or the Representative shall not have employed counsel to have
 charge of the defense of such action within a reasonable time or such
indemnified party or parties shall have reasonably concluded (based on the
advice of counsel) that there may be defenses available to it or them which are
different from or additional to those available to the Underwriters (in which
case the Representative shall not have the right to direct the defense of such
action on behalf of the indemnified party or parties), in any of which events
such fees and expenses shall be borne by such Underwriter and paid as incurred
(it being understood, however, that the Underwriters shall not be liable for the
expenses of more than one separate firm of attorneys in any one action or series
of related actions in the same jurisdiction (other than local counsel in any
such jurisdiction) representing the indemnified parties who are parties to such
action). Anything in this paragraph to the contrary notwithstanding, no
Underwriter shall be liable for any settlement of any such claim or action
effected without the written consent of the Representative. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-24- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(d)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>If the indemnification provided for in this Section 9 is unavailable or
insufficient to hold harmless an indemnified party under subsections (a), (b)
and (c) of this Section 9 in respect of any losses, expenses, liabilities,
damages or claims referred to therein, then each applicable indemnifying party,
in lieu of indemnifying such indemnified party, shall contribute to the amount
paid or payable by such indemnified party as a result of such losses, expenses,
liabilities, damages or claims (i) in such proportion as is appropriate to
reflect the relative benefits received by the Company and the Underwriters from
the offering of the Shares or (ii) if (but only if) the allocation provided by
clause (i) above 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 of the Underwriters in
connection with the statements or omissions which resulted in such losses,
expenses, liabilities, damages or claims, as well as any other relevant
equitable considerations. The relative benefits received by the Company and the
Underwriters shall be deemed to be in the same proportion as the total proceeds
from the offering (net of underwriting discounts and commissions but before
deducting expenses) received by the Company bear to the underwriting discounts
and commissions received by the Underwriters. The relative fault of the Company
and of the Underwriters shall be determined by reference to, among other things,
whether the untrue statement or alleged untrue statement of a material fact or
omission or alleged omission relates to information supplied by the Company or
by the Underwriters and the parties&#146; relative intent, knowledge, access to
information and opportunity to correct or prevent such statement or omission.
The amount paid or payable by a party as a result of the losses, claims, damages
and liabilities referred to above shall be deemed to include any legal or other
fees or expenses reasonably incurred by such party in connection with
investigating or defending any claim or action. </FONT></P>
<P style="TEXT-INDENT: 30pt" align=justify><FONT face="Times New Roman" size=2>(e)</FONT><FONT face=Arial size=2> </FONT><FONT face="Times New Roman" size=2>The Company and the Underwriters agree that it would not be just and
equitable if contribution pursuant to this Section 9 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 in subsection (d)(i) and, if applicable
(ii), above. Notwithstanding the provisions of this Section 9, no Underwriter
shall be required to contribute any amount in excess of the underwriting
discounts and commissions applicable to the
Shares purchased by such Underwriter. No person guilty of fraudulent
misrepresentation (within the meaning of Section 11(f) of the Securities Act)
shall be entitled to contribution from any person who was not guilty of such
fraudulent misrepresentation. The Underwriters&#146; obligations to contribute
pursuant to this Section 9 are several in proportion to their respective
underwriting commitments and not joint.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-25- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>10.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Survival</FONT></U><FONT face="Times New Roman" size=2>: </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
indemnity and contribution agreements contained in Section 9 and the covenants,
representations and warranties of the Company contained in Sections 3, 4 and 5
of this Agreement shall remain in full force and effect regardless of any
investigation made by or on behalf of any Underwriter, or any person who
controls any Underwriter within the meaning of Section 15 of the Securities Act
or Section 20 of the Exchange Act, and the respective directors, officers,
employees and agents of each Underwriter or by or on behalf of the Company, its
directors and officers, or any person who controls the Company within the
meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act,
and shall survive any termination of this Agreement or the sale and delivery of
the Shares. The Company and each Underwriter agree promptly to notify the others
of the commencement of any litigation or proceeding against it and, in the case
of the Company, against any of the Company&#146;s officers and directors, in
connection with the sale and delivery of the Shares, or in connection with the
Registration Statement or Prospectus. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>11.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Duties</FONT></U><FONT face="Times New Roman" size=2>:</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>Nothing in this Agreement shall be deemed to create a partnership, joint
venture or agency relationship between the parties. The Underwriters undertake
to perform such duties and obligations only as expressly set forth herein. Such
duties and obligations of the Underwriters with respect to the Shares shall be
determined solely by the express provisions of this Agreement, and the
Underwriters shall not be liable except for the performance of such duties and
obligations with respect to the Shares as are specifically set forth in this
Agreement. The Company acknowledges and agrees that: (i) the purchase and sale
of the Shares pursuant to this Agreement, including the determination of the
public offering price of the Shares and any related discounts and commissions,
is an arm&#146;s-length commercial transaction between the Company, on the one hand,
and the several Underwriters, on the other hand, and the Company is capable of
evaluating and understanding and understands and accepts the terms, risks and
conditions of the transactions contemplated by this Agreement; (ii) in
connection with each transaction contemplated hereby and the process leading to
such transaction each Underwriter is and has been acting solely as a principal
and is not the financial advisor, agent or fiduciary of the Company or its
affiliates, stockholders, creditors or employees or any other party; (iii) no
Underwriter has assumed or will assume an advisory, agency or fiduciary
responsibility in favor of the Company with respect to any of the transactions
contemplated hereby or the process leading thereto (irrespective of whether such
Underwriter has advised or is currently advising the Company on other matters);
and (iv) the several Underwriters and their respective affiliates may be engaged
in a broad range of transactions that involve interests that differ from those
of the Company and that the Underwriters have no obligation to disclose any of
such interests. The Company acknowledges
that the Underwriters disclaim any implied duties (including any fiduciary
duty), covenants or obligations arising from the Underwriters&#146; performance of
the duties and obligations expressly set forth herein. The Company hereby waives
and releases, to the fullest extent permitted by law, any claims that the
Company may have against the several Underwriters with respect to any breach or
alleged breach of agency or fiduciary duty. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-26- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>12.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Notices:</FONT></U><FONT face="Times New Roman" size=2> </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>Except as otherwise herein provided, all statements, requests, notices
and agreements shall be in writing or by telegram and, if to the Underwriters,
shall be sufficient in all respects if delivered to Keefe, Bruyette &amp; Woods,
Inc., 787 Seventh Avenue, 4<SUP>th</SUP> Floor, New York, New York 10019,
Attention: Lisa Schultz; if to the Company, shall be sufficient in all respects
if delivered to the Company at the offices of the Company at 301 Sylvan Avenue,
Englewood Cliffs, New Jersey 07632, Attention Frank S. Sorrentino. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>13.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Governing Law; Headings</FONT></U><FONT face="Times New Roman" size=2>:
</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>THIS
AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF
THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES. The
section headings in this Agreement have been inserted as a matter of convenience
of reference and are not a part of this Agreement. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>14.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Parties at Interest</FONT></U><FONT face="Times New Roman" size=2>:
</FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
Agreement herein set forth has been and is made solely for the benefit of the
Underwriters, the Company and the controlling persons, directors and officers
referred to in Sections 9 and 10 hereof, and their respective successors,
assigns, executors and administrators. No other person, partnership, association
or corporation (including a purchaser, as such purchaser, from any of the
Underwriters) shall acquire or have any right under or by virtue of this
Agreement. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>15.</FONT><FONT face=Arial size=2> </FONT><U><FONT face="Times New Roman" size=2>Counterparts and Facsimile Signatures</FONT></U><FONT face="Times New Roman" size=2>: </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>This
Agreement may be signed by the parties in counterparts which together shall
constitute one and the same agreement among the parties. A facsimile signature
shall constitute an original signature for all purposes.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>[Remainder of Page
Intentionally Blank] </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-27- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>If
the foregoing correctly sets forth the understanding among the Company and the
Underwriters, please so indicate in the space provided below for the purpose,
whereupon this Agreement shall constitute a binding agreement among the Company
and the Underwriters. </FONT></P>
<DIV align=right>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" colSpan=2><FONT face="Times New Roman" size=2>Very truly yours,</FONT></TD></TR>
  <TR>
    <TD width="1%">&nbsp;</TD>
    <TD width="99%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" colSpan=2><FONT face="Times New Roman" size=2 >CONNECTONE BANCORP, INC.</FONT></TD></TR>
  <TR>
    <TD width="1%">&nbsp;</TD>
    <TD width="99%"></TD></TR>
  <TR>
    <TD width="1%">&nbsp;</TD>
    <TD width="99%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">By:</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="99%"><FONT face="Times New Roman" size=2>/s/ Frank Sorrentino III</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="99%"><FONT face="Times New Roman" size=2>By: Frank Sorrentino III</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="99%"><FONT face="Times New Roman" size=2>Title: Chairman &amp; CEO</FONT></TD></TR></TABLE></DIV>
<P align=justify><FONT size=2 face="Times New Roman">Accepted and agreed to as<BR>of the date first above
written:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" colSpan=2><FONT face="Times New Roman" size=2>KEEFE, BRUYETTE
      &amp; WOODS, INC.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=2>&nbsp; </TD></TR>
  <TR>
    <TD width="100%" colSpan=2>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By:</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="99%"><FONT face="Times New Roman" size=2>/s/Lisa Schultz</font></TD></TR>
    <TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Title: </font></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Managing Director<BR>
   Co-Head of Capital Markets</FONT></TD></TR>
<TR vAlign=bottom>
    <TD noWrap align=left width="100%" colSpan=2></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>For itself and as
Representative of the other<BR>Underwriters named on Schedule I hereto.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>-28- </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><FONT face="Times New Roman" size=2>Schedule I </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=center width="4%"  colSpan=3><FONT face="Times New Roman" size=2>Number of Initial</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="WIDTH: 95%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap width="98%"><FONT face="Times New Roman" size=2>Underwriter</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%"  colSpan=3><FONT face="Times New Roman" size=2>Shares to be
      Purchased</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Keefe, Bruyette &amp; Woods, Inc.</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap width="1%"  bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="TEXT-ALIGN: right" noWrap width="3%" bgColor=#c0c0c0><FONT size=+0><FONT face="Times New Roman" size=2>938,145</FONT></FONT></TD>
    <TD noWrap width="1%"  bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%"><FONT face="Times New Roman" size=2>Raymond James &amp; Associates, Inc.</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap width="1%" ></TD>
    <TD NOWRAP STYLE="text-align: right; width: 3%; border-bottom: Black 1pt solid"><FONT face="Times NEw Roman" size=2>505,154</FONT></TD>
    <TD noWrap width="1%" ></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap width="1%"  bgColor=#c0c0c0></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2pt double; text-align: right; width: 3%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>1,443,299</FONT> </TD>
    <TD noWrap width="1%"  bgColor=#c0c0c0></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><FONT face="Times New Roman" size=2>Schedule II </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>Issuer Free Writing
Prospectuses </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>Common Equity Offering presentation filed as a free writing prospectus
with the Commission on December 13, 2016. </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><U><FONT face="Times New Roman" size=2>EXHIBIT
A</FONT></U></B><B><FONT face="Times New Roman" size=2></FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>FORM OF
LOCK</FONT></B><B><FONT face="Times New Roman" size=2>-</FONT></B><B><FONT face="Times New Roman" size=2>UP AGREEMENT</FONT></B><B><FONT face="Times New Roman" size=2></FONT></B></P>
<P  align=justify><FONT face="Times New Roman" size=2>ConnectOne Bancorp,
Inc.</FONT><BR><FONT face="Times New Roman" size=2>301 Sylvan
Avenue<BR>Englewood Cliffs, New Jersey 07632</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>KEEFE,</FONT><FONT face="Times New Roman" size=2></FONT> <FONT face="Times New Roman" size=2>BRUYETTE</FONT><FONT face="Times New Roman" size=2></FONT> <FONT face="Times New Roman" size=2>&amp;</FONT><FONT face="Times New Roman" size=2></FONT> <FONT face="Times New Roman" size=2>WOODS,</FONT><FONT face="Times New Roman" size=2></FONT> <FONT face="Times New Roman" size=2>INC.<BR>787 Seventh Avenue, 4<SUP>th</SUP> Floor<BR>New York, New York
10019</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Ladies and
Gentlemen:</FONT></P>
<P style="text-indent: 15pt" align=justify><FONT face="Times New Roman" size=2>The undersigned refers to
the proposed Underwriting Agreement (the &#147;Underwriting Agreement&#148;) between
ConnectOne Bancorp, Inc., a New Jersey corporation (the &#147;Company&#148;), and Keefe,
Bruyette &amp; Woods, Inc., for itself and as representative (the
&#147;Representative&#148;) of the several underwriters named therein. As an inducement to
the Representative to execute the Underwriting Agreement in connection with the
proposed public offering of shares of the Company&#146;s common stock, no par value
per share (&#147;Common Stock&#148;), pursuant to a Registration Statement on Form S-3,
the undersigned hereby agrees that from the date hereof and until 90 days after
the date set forth on the final Prospectus (as such term is defined in the
Underwriting Agreement) used to sell the Common Stock (the &#147;Public Offering
Date&#148;) pursuant to the Underwriting Agreement (such 90 day period being referred
to herein as the &#147;Lock-Up Period&#148;), to which you are or expect to become
parties, the undersigned will not, directly or indirectly, (and will use its
reasonable best efforts to cause any spouse or immediate family member of the
spouse or the undersigned living in the undersigned&#146;s household, any
partnership, corporation or other entity within the undersigned&#146;s control, and
any trustee of any trust that holds Common Stock or other securities of the
Company for the benefit of the undersigned or such spouse or family member not
to) offer, sell, contract to sell (including any short sale), pledge,
hypothecate, establish an open &#147;put equivalent position&#148; within the meaning of
Rule 16a-1(h) under the Securities Exchange Act of 1934, as amended, grant any
option, right or warrant for the sale of, purchase any option or contract to
sell, sell any option or contract to purchase, or otherwise encumber, dispose of
or transfer, or grant any rights with respect to any shares of Common Stock,
whether now owned or hereafter acquired by the undersigned or with respect to
which the undersigned has or hereafter acquires the power of disposition, or
securities convertible into or exchangeable or exercisable for any shares of
Common Stock, enter into a transaction which would have the same effect, or
enter into any swap, hedge or other arrangement that transfers, in whole or in
part, any of the economic consequences of ownership of the Common Stock, whether
any such aforementioned transaction is to be settled by delivery of the Common
Stock or such other securities, in cash or otherwise, or publicly disclose the
intention to make any such offer, sale, pledge or disposition, or to enter into
any such transaction, swap, hedge or other arrangement, without, in each case,
the prior written consent of the Representative, which consent may be withheld
in Representative&#146;s sole discretion.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>A-1</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>In
addition, (i) the undersigned agrees that the foregoing restrictions shall be
equally applicable to any issuer-directed or &#147;friends and family&#148; shares of
Common Stock that the undersigned may purchase in the proposed public offering;
(ii) the Representative agrees that, at least three business days before the
effective date of any release or waiver of the foregoing restrictions in
connection with a transfer of shares of Common Stock, the Representative will
notify the Company of the impending release or waiver, and (iii) the Company
agrees that it will announce the impending release or waiver by press release
through a major news service at least two business days before the effective
date of the release or waiver. Any release or waiver granted by the
Representative hereunder to any such officer or director shall only be effective
two business days after the publication date of such press release. The
provisions of this paragraph will not apply if (a) the release or waiver is
effected solely to permit a transfer not for consideration and (b) the
transferee has agreed in writing to be bound by the same terms described in this
Agreement to the extent and for the duration that such terms remain in effect at
the time of the transfer. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>The
foregoing restrictions shall not apply to </FONT><I><FONT face="Times New Roman" size=2>bona fide </FONT></I><FONT face="Times New Roman" size=2>gifts by the
undersigned, provided that (a) each resulting transferee of the Company&#146;s
securities executes and delivers to the Representative an agreement satisfactory
to the Representative certifying that such transferee is bound by the terms of
this Agreement and has been in compliance with the terms hereof since the date
first above written as if it had been an original party hereto and (b) to the
extent any interest in the Company&#146;s securities is retained by the undersigned
(or such spouse or family member), such securities shall remain subject to the
restrictions contained in this Agreement. In addition, the foregoing restriction
shall not apply to the sale or withholding by the undersigned or the Company on
the undersigned&#146;s behalf of shares of Common Stock solely to satisfy the
Company&#146;s tax withholding obligation with respect to the undersigned, or
otherwise satisfy the undersigned&#146;s tax liability, in connection with any
outstanding equity award accruing during the Lock-up Period. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>In
addition, the undersigned agrees that, during the period commencing on the date
hereof and ending 90 days after the Public Offering Date, without the prior
written consent of the Representative (which consent may be withheld in its sole
discretion): (i) the undersigned will not request, make any demand for or
exercise any right with respect to, the registration of any Common Stock or any
security convertible into or exercisable or exchangeable for Common Stock and
(ii) the undersigned waives any and all notice requirements and rights with
respect to the registration of any such security pursuant to any agreement,
understanding or otherwise to which the undersigned is a party. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>Any
Common Stock received upon exercise of options granted to the undersigned will
also be subject to this Agreement. </FONT><B><FONT face="Times New Roman" size=2></FONT></B><FONT face="Times New Roman" size=2>A transfer of Common Stock
to a family member or a trust for the benefit of the undersigned or a family
member may be made, provided the transferee agrees in writing prior to such
transfer to be bound by the terms of this Agreement as if it were a party
hereto. </FONT></P>

<P align=center><FONT face="Times New Roman" size=2>A-2 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>In
furtherance of the foregoing, the Company and its transfer agent and registrar
are hereby authorized to (i) decline to make any transfer of shares of Common
Stock if such transfer would constitute a violation or breach of this Agreement
and (ii) place legends or stop transfer instructions on any such shares of
Common Stock owned or beneficially owned by the undersigned. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=justify><FONT face="Times New Roman" size=2>This
Agreement is irrevocable and shall be binding on the undersigned and the
successors, heirs, personal representatives and assigns of the undersigned. This
Agreement shall be governed by and construed in accordance with the laws of the
State of New York, without regard to choice of law rules.</FONT></P>
<DIV align=right>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" colSpan=3><FONT face="Times New Roman" size=2>Very truly
      yours,</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="2%" colSpan=2><FONT face="Times New Roman" size=2>Printed
      Name:</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="98%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Date:</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="98%">&nbsp;</TD></TR></TABLE></DIV><BR>
<P align=center><FONT face="Times New Roman" size=2>A-3 </FONT></P>
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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<FILENAME>connect3182441-ex51.htm
<DESCRIPTION>OPINION OF WINDELS MARX LANE & MITTENDORF, LLP
<TEXT>

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<P align=right><B><FONT face="Times New Roman" size=2>Exhibit 5.1
</FONT></B></P><IMG src="connect3182441-8kx6x1.jpg" border=0><BR>
<P align=center><FONT face="Times New Roman" size=2>December 14, 2016
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>ConnectOne Bancorp,
Inc.<BR>301 Sylvan Avenue<BR>Englewood Cliffs, NJ 07632 </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 30pt"><FONT face="Times New Roman" size=2></FONT><B><FONT face="Times New Roman" size=2>Re: ConnectOne Bancorp, Inc. &#150; Offering of Shares
of Common Stock </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>Ladies and Gentlemen:
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have acted as counsel to
and for ConnectOne Bancorp, Inc., a New Jersey corporation (the "Company"), in
connection with the offer and sale of up to 1,659,794 shares of the Company's
Common Stock, no par value per share (the "Shares"). The Shares are included in
a registration statement on Form S-3 under the Securities Act of 1933, as
amended (the "Securities Act"), File No. 333-213260, filed by the Company with
the Securities and Exchange Commission (the &#147;Commission&#148;) on August 23, 2016,
including Amendment No. 1 filed with the Commission on September 23, 2016,
Amendment No. 2 filed with the Commission on October 4, 2016, and Amendment No.
3 filed with the Commission on December 7, 2016 and declared effective by the
Commission on December 9, 2016 (together with the base prospectus dated December
9, 2016 (the "Base Prospectus") contained therein and constituting a part
thereof, the "Registration Statement"). In connection with an underwritten
offering of the Shares, the Company has also filed a preliminary prospectus
supplement dated December 13, 2016 (together with the Base Prospectus, the
"Preliminary Prospectus Supplement") and a final prospectus supplement dated
December 14, 2016 (together with the Base Prospectus, the "Final Prospectus
Supplement"). The Preliminary Prospectus Supplement and the Final Prospectus
Supplement were each filed with the Commission pursuant to Rule 424(b) under the
Securities Act. The offer and sale of the Shares is being made pursuant to an
underwriting agreement dated December 14, 2016 between the Company and Keefe
Bruyette &amp; Woods, Inc., as Representative of the Underwriters named therein
(the "Underwriting Agreement"). </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In connection with this
opinion, we have examined originals or copies, certified or otherwise identified
to our satisfaction, of: </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(i)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>the Registration Statement;</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(ii)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>the Preliminary Prospectus
    Supplement;</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(iii)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>the Final Prospectus
Supplement;</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>the Underwriting Agreement;</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(v)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>the Company's Restated Certificate of
      Incorporation included as Exhibit 3.1 to the Company's Form 8-K filed with
      the Commission on July 1, 2014;</FONT></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(vi)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>the Company's Amended
      and Restated Bylaws, included as Exhibit 3.2 to the Company's Form 8-K
      filed with the Commission on July 1, 2014;</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(vii)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>resolutions of the
      Company's Board of Directors and the Pricing Committee thereof with
      respect to the offering of the Shares; and</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-left: 15pt"><FONT face="Times New Roman" size=2>(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>such other records,
      documents, certificates and statutes as we have deemed necessary for
      purposes of this opinion letter.</FONT></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In rendering this opinion, we
have assumed and relied upon, without independent investigation (i) the
authenticity, completeness, truth and due authorization and execution of all
documents submitted to us as originals, (ii) the genuineness of all signatures
on all documents submitted to us as originals and (iii) the conformity to the
originals of all documents submitted to us as certified, electronic or
photostatic copies. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The law covered by the
opinions expressed herein is limited to the federal statutes, judicial decisions
and rules and regulations of the governmental agencies of the United States of
America and the statutes, judicial and administrative decisions and rules and
regulations of the governmental agencies of the State of New Jersey. We are not
rendering any opinion as to compliance with any federal or state law, rule, or
regulation relating to securities, or to the sale or issuance thereof. This
opinion letter is being furnished in connection with the requirements of Item
601(b)(5) of the Commission's Regulation S-K, and we express no opinion as to
any matter pertaining to the contents of the Registration Statement, the
Preliminary Prospectus Supplement, the Final Prospectus Supplement or any other
prospectus supplement, other than as expressly stated herein with respect to the
issuance of the Shares. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our opinions are limited and
qualified in all respects by the effects of (i) general principles of equity and
limitations on availability of equitable relief, including specific performance,
whether applied by a court of law or equity, and (ii) bankruptcy, insolvency,
reorganization, moratorium, arrangement, fraudulent conveyance or fraudulent
transfer, receivership, and other laws now or hereafter in force affecting the
rights and remedies of creditors generally (not just creditors of specific types
of debtors) and other laws now or hereafter in force affecting generally only
creditors of specific types of debtors. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This opinion letter is given
only with respect to laws and regulations presently in effect. We assume no
obligation to advise you of any changes in law or regulation which may hereafter
occur, whether the same are retroactively or prospectively applied, or to update
or supplement this letter in any fashion to reflect any facts or circumstances
which hereafter come to our attention. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Based upon, and subject to,
the foregoing, and subject to the qualifications, assumptions and limitations
herein stated, we are of the opinion that when the Shares have been issued and
delivered upon payment in full of the consideration therefor as described in the
Registration Statement, the Final Prospectus Supplement and the Underwriting
Agreement, the Shares will be validly issued, fully paid and nonassessable.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This opinion is to be used
only in connection with the Registration Statement and the offering of the
Shares described herein. This opinion is for your benefit and may be relied upon
by you and by persons entitled to rely upon it pursuant to the applicable
provisions of the Securities Act. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We hereby consent to your
filing of this opinion as an exhibit to the Company's Current Report on Form 8-K
filed December 14, 2016 and we further consent to the reference to our firm
under the caption "Legal Matters" in the Preliminary Prospectus Supplement and
the Final Prospectus Supplement, and to any reference to our firm in the
Registration Statement as legal counsel who have passed upon the validity
</FONT><FONT face="Times New Roman" size=2>of the Shares of the Company proposed
to be issued thereunder. In giving such consent, we do not hereby admit that we
are "experts" within the meaning of the Securities Act, or the Rules and
Regulations of the Commission issued thereunder, with respect to any part of the
Registration Statement, including this exhibit. </FONT></P>
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  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face="Times New Roman" size=2 >Very truly yours,</FONT></TD></TR>
  <TR>
    <TD align=left width="100%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2 >/S/ WINDELS MARX LANE
      &amp;</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="text-align: center" width="100%"><B><FONT face="Times New Roman" size=2 >MITTENDORF,
  LLP</FONT></B></TD></TR></TABLE></DIV><BR>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>4
<FILENAME>connect3182441-ex991.htm
<DESCRIPTION>PRESS RELEASE, DATED DECEMBER 14, 2016
<TEXT>

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<P align=right><B><FONT face="Times New Roman" size=2>Exhibit 99.1
<BR></FONT></B><B><FONT face="Times New Roman" size=2>Press
Release</FONT></B></P><P STYLE="text-align: center"><B><FONT face="Times New Roman" size=2>CONNECTONE BANCORP, INC.
ANNOUNCES PRICING OF<BR>PUBLIC OFFERING OF COMMON STOCK </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>Englewood Cliffs, New
Jersey - ConnectOne Bancorp, Inc., (NASDAQ &#147;CNOB&#148;), the holding company for
ConnectOne Bank, today announced the pricing of its previously announced
underwritten public offering of 1,443,299 shares of its common stock at a price
to the public of $24.25 per share. Keefe, Bruyette &amp; Woods, A Stifel
Company, and Raymond James &amp; Associates, Inc. are serving as joint book
running managers for the offering. The Company has granted the underwriters a
30-day option to purchase up to an additional 216,495 shares of common stock, at
the public offering price less the underwriting discount, solely to cover
over-allotments, if any. The offering is expected to close on or about December
19, 2016, subject to customary closing conditions. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>The Company expects to
receive net proceeds before expenses of $33,425,000 from the offering (or $38,438,751 if the underwriters exercise their option to purchase additional
shares of common stock in full), after deducting the underwriting
discount.&nbsp;</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>A shelf registration
statement on Form S-3 (File No. 333-213260) relating to the offering was filed
previously with the Securities and Exchange Commission ("SEC") and is effective.
A preliminary prospectus supplement related to the offering has been filed with
the SEC. Copies of the shelf registration statement (including the base
prospectus), the preliminary prospectus supplement and other documents that the
Company has filed with the SEC that are incorporated by reference into the
registration statement are available at no charge by visiting EDGAR on the SEC's
website located at www.sec.gov. A final prospectus supplement will be filed with
the SEC and will be available on the SEC's website once filed. The offering may
be made only by means of the prospectus and the prospectus supplement related to
this offering, copies of which may be obtained, when available, by contacting:
Keefe, Bruyette &amp; Woods, A Stifel Company, 787 Seventh Ave., 4th Floor, New
York, New York 10019, Attention: Equity Capital Markets,
1-800-966-1559.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>This announcement is for
informational purposes only and shall neither constitute an offer to sell or the
solicitation of an offer to buy any securities of the Company, nor shall there
be any offer or sale of securities in any state or jurisdiction in which such an
offer, solicitation or sale would be unlawful prior to registration or
qualification under the securities laws of any such state or jurisdiction.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>About
ConnectOne</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=left><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc. is
a New Jersey corporation and a registered bank holding company pursuant to the
Bank Holding Company Act of 1956, as amended, and serves as the holding company
for ConnectOne Bank. The Bank is a community-based, full-service New
Jersey-chartered commercial bank that was founded in 2005. The Bank operates
from its headquarters located at 301 Sylvan Avenue in the Borough of Englewood
Cliffs, Bergen County, New Jersey, and through its 20 other banking offices.
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2>For more information, visit
https://www.ConnectOneBank.com </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Forward-Looking
Statements</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>This news release
contains certain forward-looking statements which are based on certain
assumptions and describe future plans, strategies and expectations of the
Company. These forward-looking statements are generally identified by use of the
words "believe," "expect," "intend," "anticipate," "estimate," "project," or
similar expressions. The Company's ability to predict results or the actual
effect of future plans or strategies is inherently uncertain. Factors which
could have a material adverse effect on the operations of the Company and its
subsidiaries include, but are not limited to, those factors set forth in Item 1A
&#150; Risk Factors of the Company&#146;s Annual Report on Form 10-K, as filed with the
Securities and Exchange Commission, and changes in interest rates, general
economic conditions, legislative/regulatory changes, monetary and fiscal
policies of the U.S. Government, including policies of the U.S. Treasury and the
Federal Reserve Board, the quality or composition of the loan or investment
portfolios, demand for loan products, deposit flows, competition, demand for
financial services in the Company's market area and accounting principles and
guidelines. These risks and uncertainties
should be considered in evaluating forward-looking statements and undue reliance
should not be placed on such statements. The Company does not undertake, and
specifically disclaims any obligation, to publicly release the result of any
revisions which may be made to any forward-looking statements to reflect events
or circumstances after the date of such statements or to reflect the occurrence
of anticipated or unanticipated events.</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>Media Contact:<BR>Jake
Ciorciari, MWW <BR></FONT><FONT face="Times New Roman" size=2>646.376.7042;
jciorciari@mww.com </FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
