<SEC-DOCUMENT>0001206774-21-001106.txt : 20210415
<SEC-HEADER>0001206774-21-001106.hdr.sgml : 20210415
<ACCEPTANCE-DATETIME>20210414174807
ACCESSION NUMBER:		0001206774-21-001106
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20210525
FILED AS OF DATE:		20210415
DATE AS OF CHANGE:		20210414

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:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11486
		FILM NUMBER:		21826685

	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>DEF 14A
<SEQUENCE>1
<FILENAME>co3847941-def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>UNITED STATES&nbsp;<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>SCHEDULE 14A</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B></B><BR>
Proxy Statement Pursuant to Section 14(a) of the Securities&nbsp;<BR>
Exchange Act of 1934 (Amendment No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; )</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="white-space: nowrap">Filed by the Registrant [X]</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="white-space: nowrap">Filed by a Party other than the Registrant [&nbsp;&nbsp; ]</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="white-space: nowrap">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="white-space: nowrap">Check the appropriate box:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="white-space: nowrap">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; width: 3%">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="white-space: nowrap; width: 3%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 94%">Preliminary Proxy Statement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">[X]</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">Definitive Proxy Statement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">Definitive Additional Materials</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">Soliciting Material Pursuant to &sect;240.14a-12</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 2%; border-bottom: black 1px solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 96%; border-bottom: black 1px solid; text-align: center"><B>ConnectOne Bancorp, Inc.</B></TD>
    <TD STYLE="white-space: nowrap; width: 2%; border-bottom: black 1px solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">(Name of Registrant as Specified In Its Charter)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid; text-align: center">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="white-space: nowrap">Payment of Filing Fee (Check the appropriate box):</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; text-align: right">[X]</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap">No fee required.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="3">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 90%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1)</TD>
    <TD>&nbsp;</TD>
    <TD>Title of each class of securities to which transaction applies:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1px solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2)</TD>
    <TD>&nbsp;</TD>
    <TD>Aggregate number of securities to which transaction applies:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3)</TD>
    <TD>&nbsp;</TD>
    <TD>Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount
    on which the filing fee is calculated and state how it was determined):</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4)</TD>
    <TD>&nbsp;</TD>
    <TD>Proposed maximum aggregate value of transaction:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5)</TD>
    <TD>&nbsp;</TD>
    <TD>Total fee paid:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="3">Fee paid previously with preliminary materials.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">[&nbsp;&nbsp; ]</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: left">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2)
    and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement
    number, or the Form or Schedule and the date of its filing.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">1)</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">Amount Previously Paid:</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 90%; border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">2)</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">Form, Schedule or Registration Statement No.:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">3)</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">Filing Party:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">4)</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 4pt">Date Filed:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid">&nbsp;</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><IMG SRC="d384794x3x1.jpg" ALT=""></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">301 Sylvan Avenue<BR>
Englewood Cliffs, New Jersey 07632</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 45%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 100%; border-top: black 1px solid; border-bottom: black 1px solid; text-align: center; padding-top: 2pt"><B>NOTICE
    OF ANNUAL MEETING OF SHAREHOLDERS</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">To Be Held on May
25, 2021</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white"><B>NOTICE
IS HEREBY GIVEN</B> that the Annual Meeting (the &ldquo;Annual Meeting&rdquo;) of ConnectOne Bancorp, Inc. (the &ldquo;Company&rdquo;),
the holding company for ConnectOne Bank (the &ldquo;Bank&rdquo;), will be held via webcast on May 25, 2021 at 9:15 a.m. for the
purpose of considering and voting upon the following matters, all of which are more completely set forth in the accompanying Proxy
Statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt">1.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">The election of twelve (12) directors of the Company, each to serve
for the terms described in the proxy statement or until his or her successor is elected and shall qualify; </FONT></TD></TR>                                                                                                                            <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-size: 10pt">2.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">To vote, on an advisory basis, to approve the executive compensation
of the Company&rsquo;s named executive officers, as described in this proxy statement;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-size: 10pt">3.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">To approve an amendment to our Certificate of Incorporation, as amended,
to increase the number of authorized shares of our common stock, no par value per share, from 50,000,000 to 100,000,000;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-size: 10pt">4.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">To ratify the appointment
of Crowe LLP as the Company&rsquo;s independent registered public accountants for the fiscal year ending December 31, 2021; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-size: 10pt">5.</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Such other business as shall properly come before the Annual Meeting.</FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">Due
to guidance from the Federal and New Jersey state governments regarding the impact of the COVID-19, this year&rsquo;s Annual Meeting
will be a completely virtual meeting of shareholders, which will be conducted via live webcast. You will be able to participate
in the Annual Meeting, vote and submit your questions during the Annual Meeting via live webcast by visiting <U>www.virtualshareholdermeeting.com/CNOB2021</U>.
Because the Annual Meeting is virtual and being conducted via live webcast, shareholders will not be able to attend the Annual
Meeting in person. Details regarding how to participate in the meeting online and the business to be conducted at the meeting
are more fully described in the accompanying proxy statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">Only
holders of record of shares of the Company&rsquo;s common stock (the &ldquo;Common Stock&rdquo;) at the close of business on April
6, 2021 will be entitled to vote at the Annual Meeting.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">If you are participating in the Annual Meeting
by webcast, you may vote online during the meeting even if you have already returned your proxy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: white; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 50%"><P STYLE="margin: 0pt 0">Very truly yours,</P>

<P STYLE="margin: 5pt 0 0pt"><IMG SRC="d384794x4x1.jpg" ALT=""></P>

<P STYLE="margin: 0pt 0"><FONT STYLE="font-variant: small-caps">Frank Sorrentino III</FONT><BR>
        <I>Chairman of the Board of Directors</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15pt; background-color: white">Englewood Cliffs, New Jersey<BR>
April 15, 2021</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 36pt; background-color: white"><B>Important
notice regarding the availability of Proxy Materials for the Annual Meeting of <BR>
Shareholders to be held on May 25, 2021. </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">We
are distributing our proxy materials to shareholders via the U.S. Securities and Exchange Commission &ldquo;Notice and Access&rdquo;
rules. We believe this approach allows us to provide shareholders with a timely and convenient way to receive proxy materials and
vote, while lowering the costs of delivery and reducing the environmental impact of our Annual Meeting. We are mailing to our shareholders
a Notice of Internet Availability of Proxy Materials (the &ldquo;Notice of Internet Availability&rdquo;) beginning on or about
April 15, 2021, rather than paper copies of the Proxy Statement, the proxy card and our annual report on Form 10-K for the fiscal
year ended December 31, 2020. The Notice of Internet Availability contains instructions on how to access the proxy materials, vote
and obtain, if desired, a paper copy of the proxy materials.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>PROXY STATEMENT
FOR ANNUAL MEETING OF<BR>
SHAREHOLDERS TO BE HELD <FONT STYLE="text-transform: uppercase">ON May 25, 2021</FONT></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">This Proxy Statement
is being furnished to shareholders of ConnectOne Bancorp, Inc. (the &ldquo;Company&rdquo;) in connection with the solicitation
by the Board of Directors of proxies to be used at the Annual Meeting of Shareholders to be held via webcast at 9:15 a.m. on May
25, 2021. We are holding our Annual Meeting via webcast to help ensure the health and safety of our shareholders, employees and
directors, and to comply with guidance from the Federal and New Jersey state governments regarding the impact of the COVID-19 pandemic.
Because the Annual Meeting is virtual and being held via live webcast, shareholders will not be able to attend the Annual Meeting
in person but may participate by joining the live webcast. Please go to: <U>www.virtualshareholdermeeting.com/CNOB2021</U> for instructions on how to participate
in the Annual Meeting. Any shareholder may participate and listen live to the webcast of the Annual Meeting over the Internet at
such site. Shareholders of record as of April 6, 2021 may vote and submit questions either in advance of or while participating
in the Annual Meeting via the Internet by using the control number included in the on the proxy statement or proxy card. The webcast
starts at 9:15 a.m. We encourage you to access the meeting prior to the start time. If you encounter any difficulties accessing
the virtual meeting during the check-in or meeting time, please call the technical support number that will be posted on the Virtual
Shareholder Meeting log-in page.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>About the Annual Meeting</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Why have I received these materials?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The accompanying
proxy is solicited by the Board of Directors of ConnectOne Bancorp, Inc. (referred to throughout this Proxy Statement as the &ldquo;Company&rdquo;
or &ldquo;we&rdquo;), the holding company for ConnectOne Bank, in connection with our Annual Meeting that will take place virtually
on May 25, 2021. You are cordially invited to electronically attend the Annual Meeting and are requested to vote on the proposals
described in this Proxy Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Who is entitled to vote at the Annual
Meeting?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Holders of Common
Stock as of the close of business on April 6, 2021, will be entitled to vote at the Annual Meeting. On April 6, 2021, there were
outstanding and entitled to vote 39,724,433 shares of Common Stock, each of which is entitled to one vote with respect to each
matter to be voted on at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>How do I vote my shares at the Annual
Meeting?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">If you are a &ldquo;record&rdquo;
shareholder of Common Stock (that is, if you hold Common Stock in your own name as of April 6, 2021 on the Company&rsquo;s stock
records maintained by our transfer agent, Broadridge Financial Solutions, Inc.), you may vote by proxy or online at the Annual
Meeting. To vote by proxy, you may use one of the following methods:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Telephone voting, by dialing the toll-free number
and following the instructions on your proxy card.</FONT></TD></TR>                                                                   <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Internet voting, by accessing the Internet at the
web address stated on the proxy card and following the instructions.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mail, by completing and returning the proxy card
in the enclosed envelope. The envelope requires no additional postage if mailed in the United States.</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 18pt; background-color: white">If you hold your
shares in &ldquo;street name&rdquo;, i.e., through a broker or other custodian, you must follow the voting instructions provided
to you by your broker or custodian.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Can I change my vote after I return
my proxy card?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Any shareholder
of record has the power to revoke their proxy at any time before it is voted. You may revoke your proxy before it is voted at the
Annual Meeting by:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">voting again by telephone or the Internet, or completing
a new proxy card with a later date &ndash; your latest vote will be counted;</FONT></TD></TR>                                                                                             <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">filing with the Secretary of the Company written
notice of such revocation; or</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">participating in the virtual Annual Meeting and voting
online.</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>What constitutes a quorum for purposes
of the Annual Meeting?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The presence at
the Annual Meeting online or by proxy of the holders of a majority of the voting power of all outstanding shares of Common Stock
entitled to vote shall constitute a quorum for the transaction of business. Proxies marked as abstaining (including proxies containing
broker non-votes) on any matter to be acted upon by shareholders will be treated as present at the meeting for purposes of determining
a quorum but will not be counted as votes cast on such matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Why is it important to vote my shares?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">If we do not have
a quorum present at the Annual Meeting, we will need to adjourn the meeting to solicit additional proxies. This will cause additional
expense and delay for the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>What vote is required to approve
each item?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Pursuant to the
New Jersey Business Corporation Act (&ldquo;NJBCA&rdquo;), directors are elected by the affirmative vote of a plurality of the
votes cast. Notwithstanding the foregoing, in accordance with the Company&rsquo;s Bylaws, each of the Company&rsquo;s directors
has submitted an irrevocable resignation from the Board, which shall become effective in the event such director does not receive
at least a majority of the votes cast in any uncontested election. In such event, the director&rsquo;s resignation will become
effective at the earlier of (i) the selection of a replacement director by the Board of Directors, or (ii) 90 days after certification
of such stockholder vote. Accordingly, in the event that a nominee for re-election to the Board receives a plurality of the votes
cast, but not a majority, he or she shall be re-elected to the Board under the provisions of the NJBCA, but his or her service
shall continue only until such resignation becomes effective. Therefore, as a practical matter, re-election to a new term on the
Board requires the affirmative vote of a majority of the votes cast at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The nonbinding resolution
with respect to executive compensation, together with the proposal for the adoption of the amendment to the Company&rsquo;s Certificate
of Incorporation and the proposal for the ratification of the appointment of the independent registered public accountants, require
the affirmative vote of a majority of the votes cast at the Annual Meeting by shares represented online or by proxy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0;  background-color: white"><B>Summary of the
Proposals</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>How does the Board recommend that
I vote my shares?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">Unless you give other instructions on your
proxy card, the persons named as proxies on the card will vote in accordance with the recommendations of the Board of Directors.
The Board&rsquo;s recommendation is set forth together with the description of each item in this Proxy Statement. In summary, the
Board recommends a vote:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FOR</B>&nbsp;the directors&rsquo; nominees to
the Board of Directors;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FOR</B> approval of the non-binding resolution
with respect to executive compensation; </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FOR</B> approval of the amendment to the Certificate
of Incorporation to increase the number of authorized shares of common stock; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FOR</B> ratification of the appointment of Crowe
LLP as the Company&rsquo;s independent registered public accountants for the fiscal year ending December 31, 2021.</FONT></TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">With respect to any other matters that properly
come before the Annual Meeting, the proxy holders will vote as recommended by the Board of Directors or, if no recommendation is
given, in their own discretion in the best interests of the Company. At the date this Proxy Statement went to press, the Board
of Directors had no knowledge of any business other than that described in this proxy statement that would be presented for consideration
at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Who will bear the expense of soliciting
proxies?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company will
bear the cost of soliciting proxies. In addition to the solicitation by mail, proxies may be solicited personally or by telephone,
facsimile or electronic transmission by our employees. In addition, we have retained Laurel Hill Advisory Group, LLC at an estimated
cost of $6,500 plus reimbursement of out-of-pocket expenses, including per call fees for each call made, to assist in the solicitation
of proxies. We also have agreed to indemnify Laurel Hill Advisory Group, LLC against certain liabilities in connection with this
proxy solicitation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Why is the Company amending its
Certificate of Incorporation?</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company&rsquo;s
Certificate of Incorporation currently authorizes up to 50 million shares of Common Stock, and approximately 40 million shares
are presently issued and outstanding. As a result, there are only approximately 10 million shares available for future issuance
for any purposes, including future acquisitions, raising capital, or any other permitted purposes. As of the date of this Proxy
Statement, the Company has no current plans to issue additional shares, other than pursuant to previously approved equity plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board of Directors
believes it is in the best interests of the Company and its stockholders to increase the number of authorized shares of Common
Stock to provide the Company with flexibility to consider and plan for future general corporate needs, including, but not limited
to, capital raising, financing transactions, potential merger and acquisition transactions, employee stock or benefit plan needs,
stock splits, stock dividends or other general corporate purposes.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PROPOSAL 1 - ELECTION OF DIRECTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Certificate
and By-Laws of the Company provide that the number of Directors shall not be less than five (5) or more than twenty-five (25) and
permit the exact number to be determined from time to time by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Under our Corporate
Governance Guidelines, members of our Board of Directors may not be nominated for a new term on the Board after their 75<SUP>th</SUP>
birthday. In accordance with this provision, Mr. Alexander A. Bol is retiring from service on our Board and will not stand for
election at this meeting. We thank Mr. Bol for his long service to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We are pleased to
announce that Dr. Anson M. Moise has been nominated to serve on our Board of Directors. Dr. Moise is a well-respected anesthesiologist
and pain management specialist, operating primarily in the greater New York / New Jersey marketplace as Medical Director and a
member of the Governing Board of Health of the East Ambulatory Surgical Center and as an attending physician in several area hospitals.
Dr. Moise also serves as Chairman of YoursDrs, a telemedicine software company, and is active in his community, including as the
co-founder of a substance abuse clinic, helping those with addiction to opioids and other illicit drugs. We look forward to Dr.
Moise joining the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">For 2021, there
are twelve (12) nominees for Director. There are no arrangements or understandings between any director, or nominee for directorship,
pursuant to which such director or nominee was selected as a director or nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board of Directors
of the Company has nominated for election to the Board of Directors the persons named below, each of whom currently serves as a
member of the Board. If elected, each will serve until the 2022 Annual Meeting of Shareholders, and until his or her replacement
has been duly elected and qualified. The Board of Directors has no reason to believe that any of the nominees will be unavailable
to serve if elected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The following table
sets forth the names, ages, principal occupations, and business experience for all nominees, as well as their prior service on
the Board, if any. Unless otherwise indicated, principal occupations shown for each Director have extended for five or more years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; background-color: white"><B>NOMINEES FOR
ELECTION</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; padding-bottom: 1pt; width: 29%; padding-top: 1pt; vertical-align: bottom; text-indent: -15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Name and Position with Company</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; padding-bottom: 1pt; width: 7%; text-align: center; padding-top: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Age</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-bottom: 1pt; width: 43%; padding-top: 1pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Principal Occupation for Past Five Years</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-top: 1pt; width: 18%; padding-bottom: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Term of Office<BR>
 Since - Expires</B></FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; padding-left: 15pt; padding-top: 1pt; padding-bottom: 1pt; text-indent: -15pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frank
    Sorrentino III, Chairman of the Board and CEO</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: top; padding-bottom: 1pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman of the Board &nbsp;&amp; Chief Executive Officer of the Company and the Bank. </FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2014
    &ndash; 2021</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 15pt; padding-top: 1pt; padding-bottom: 1pt; text-indent: -15pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frank W. Baier, Director </FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: top; padding-bottom: 1pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President and Chief Financial Officer of Continental Grain Company, a diversified operating and investment company.&nbsp;&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2014 &ndash; 2021</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; padding-left: 15pt; padding-top: 1pt; padding-bottom: 1pt; text-indent: -15pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stephen T. Boswell, Lead Independent Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: top; padding-bottom: 1pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President &nbsp;&amp; Chief Executive Officer of Boswell Engineering.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2014 &ndash; 2021</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 15pt; padding-top: 1pt; padding-bottom: 1pt; text-indent: -15pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frank Huttle III, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: top; padding-bottom: 1pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #222222; background-color: white">Currently a partner at the law firm of Pashman Stein Walder Hayden P.C. Formerly a partner and of counsel to the law firm of Decotiis, Fitzpatrick, Cole and Giblin.&nbsp;&nbsp;Formerly the President of Hudson Capital Properties, a real estate management and investment company, and Executive Vice President and General Counsel of Hudson Media Inc., a diversified magazine service and holding company. Mr. Huttle also served as the Mayor of the City of Englewood, New Jersey until December 2018.&nbsp; </FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2014
    &ndash; 2021</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; padding-bottom: 1pt; width: 29%; padding-top: 1pt; vertical-align: bottom; text-indent: -15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Name and Position with Company</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; padding-bottom: 1pt; width: 7%; text-align: center; padding-top: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Age</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-bottom: 1pt; width: 43%; padding-top: 1pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Principal Occupation for Past Five Years</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-top: 1pt; width: 18%; padding-bottom: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Term of Office<BR>
 Since - Expires</B></FONT></TD></TR>


<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; padding: 1pt 6pt 1pt 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Michael Kempner, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President &nbsp;&amp; Chief Executive Officer, MWWPR.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2014 &ndash; 2021</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; padding: 1pt 6pt 1pt 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nicholas Minoia, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 6pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Partner of Diversified Properties and Diversified Realty Advisors, both full service real estate development companies specializing in the development, construction and management of multifamily communities.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2009 &ndash; 2021</FONT></TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 6pt; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anson M. Moise, M.D., Nominee</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member, Governing Board of Health East Ambulatory Surgical Center; &nbsp;Attending Physician, Englewood Hospital Medical Center; Chairman, YourDrs, a telemedicine software enterprise; Attending Physician, Holy Name Medical Center; Owner &nbsp;&amp; Medical Director, Health East Medical Alliance, Medical Director, Health East Ambulatory Surgical Center; formerly attending physician at Hackensack University Medical Center.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Katherin Nukk-Freeman, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Co-founder of Nukk-Freeman &nbsp;&amp; Cerra PC, a law firm specializing in labor and employment law.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2018 &ndash; 2021</FONT></TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph Parisi, Jr., Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman of the Board and CEO of Otterstedt Insurance Agency; Former Mayor, Borough of Englewood Cliffs (November 2005 until January 2016).&nbsp;&nbsp;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2014
    &ndash; 2021</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Daniel Rifkin, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Partner of Rifkin &nbsp;&amp; Company, CPA&rsquo;s, LLP; President of PayServ Corporation; former Vice Chairman of Greater Hudson Bank.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019 &ndash; 2021</FONT></TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mark Sokolich, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mayor of Fort Lee, New Jersey; Managing Partner of Law Office of Mark J. Sokolich, a real estate, zoning and commercial law firm.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020 &ndash; 2021</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-indent: -15pt; text-align: left; padding: 1pt 6pt 1pt 15pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William A. Thompson, Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1pt 6pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 1pt 7.5pt; vertical-align: top; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Managing Director, Spencer Pierce Capital LLC (investment bank) (2015 &ndash; present).</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 1pt; padding-bottom: 1pt; padding-left: 6pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1994 &ndash; 2021</FONT></TD></TR>
</TABLE>
<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 15pt;">No Director of the Company is also currently
a director of a company having a class of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended,
or subject to the requirements of Section 15(d) of such Act or any company registered as an investment company under the Investment
Company Act of 1940.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The Company encourages all directors to attend
the Company&rsquo;s annual meeting. Each then current member of the Company&rsquo;s Board of Directors participated in the Company&rsquo;s
2020 virtual Annual Meeting of Shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>IN ORDER TO BE
ELECTED TO A FULL TERM ON THE BOARD OF DIRECTORS, DIRECTORS MUST RECEIVE THE AFFIRMATIVE VOTE OF A MAJORITY OF THE SHARES VOTING
AT THE ANNUAL MEETING. SEE &ldquo;WHAT VOTE IS REQUIRED TO APPROVE EACH ITEM?&rdquo; ABOVE.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Recommendation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>THE BOARD OF
DIRECTORS RECOMMENDS THAT THE SHAREHOLDERS VOTE &ldquo;FOR&rdquo; THE NOMINEES SET FORTH ABOVE.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>CERTAIN INFORMATION ABOUT THE BOARD OF DIRECTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Frank Sorrentino
III, Chairman of the Board and Chief Executive Officer, 59:</I>&nbsp;Mr. Sorrentino became Chairman and Chief Executive Officer
of the Company commencing as of the closing of the Merger with the former ConnectOne Bancorp, Inc. (&ldquo;Legacy ConnectOne&rdquo;)
on July 1, 2014 (the &ldquo;Merger&rdquo;). Prior to this, Mr. Sorrentino served as Chairman and Chief Executive Officer of Legacy
ConnectOne and the Bank. Prior to becoming an officer of Legacy ConnectOne and the Bank, Mr. Sorrentino was a founder of the Bank
and a builder and construction manager in Bergen County, New Jersey. Through his business contacts in our market, Mr. Sorrentino
has been able to bring customers and investors to the Company, and his real estate experience in our market is of great value to
the Board. In addition, as the Company&rsquo;s senior executive officer, his insight on the Company&rsquo;s operations is invaluable
to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Stephen T. Boswell,
Lead Independent Director, 67:</I>&nbsp;Mr. Boswell was a founding organizer of the Bank. His firm, Boswell Engineering, Inc.,
for which he has served as President and Chief Executive Officer since 1990, is involved in many projects in our market. Through
his business activities, Mr. Boswell has a strong sense of business conditions in our market that is invaluable to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Frank W. Baier,
Director, 55:</I>&nbsp;Mr. Baier currently serves as Executive Vice President and Chief Financial Officer of Continental Grain
Company, a diversified operating and investment company. Mr. Baier has an extensive background in finance. Mr. Baier also served
as Legacy ConnectOne&rsquo;s Executive Vice President and Chief Financial Officer from July 2011 through September 2012. Mr. Baier&rsquo;s
extensive background and understanding of finance proves invaluable to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Frank Huttle
III, Director, 67:</I>&nbsp;Mr. Huttle was a founding organizer of the Bank. Mr. Huttle is a partner at the law firm of Pashman
Stein Walder Hayden P.C., and was formerly a partner and of counsel to the law firm of Decotiis, Fitzpatrick, Cole and Giblin.
Mr. Huttle also served as the Mayor of the City of Englewood, New Jersey until December 31, 2018. Prior to entering his legal practice
in 1988, he was a Partner with Touche Ross &nbsp;&amp; Co. Mr. Huttle also served as President of Hudson Capital Properties, a real estate
management and investment company, and as Executive Vice President and General Counsel of Hudson Media Inc., a diversified magazine
service and holding company. Mr. Huttle&rsquo;s extensive experience in the insurance, mortgage banking and real estate industries
provides valuable insight to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Michael Kempner,
Director, 63:</I>&nbsp;Mr. Kempner was a founding organizer of the Bank. He has over 30 years of public relations and marketing
experience and has served as President and Chief Executive Officer for MWWPR since 1985. His experience as the head of a locally
based media company has proved invaluable to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Nicholas Minoia,
Director, 65:</I>&nbsp;Mr. Minoia&rsquo;s experience as a principal of a full-service real estate group and his knowledge about
the real estate market led the Board to conclude that Mr. Minoia should serve as a director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt"><I>Anson M. Moise, M.D., Board
Nominee, 41:</I> Dr. Moise is a physician, graduating from Cornell Medical College and board certified in both anesthesiology
and pain management. Dr. Moise currently serves as a member of the Governing Board of the Health East Ambulatory Surgical
Center and as an attending physician at several area hospitals. He also serves as the Chairman of YourDrs, a telemedicine
software company, and an owner of Health East Medical Alliance. He previously served as the Medical Director, Pain
Specialists of New York &nbsp;&amp; New Jersey. He is the co-founder of a substance abuse clinic, which helps those addicted
to opioids and other illicit drugs. Dr. Moise is a long-time resident of our Bergen County market area, with professional
experience in both the New Jersey &amp; New York markets. He is deeply committed to the community through his medical
practice and affiliations with medical organizations and associations. If elected, this appointment would mark Dr. Moise as
the first medical professional to the Company's Board, adding unique professional and social perspective, which will be
valuable as the Company grows into a modern financial services company. These factors led the Nominating and Corporate
Governance Committee to conclude that Dr. Moise would make a valuable contribution to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Katherin Nukk-Freeman,
Director, 52, </I>Ms. Nukk-Freeman is the co-founder of Nukk-Freeman &nbsp;&amp; Cerra, P.C. a labor and employment law firm located
in New York and New Jersey, as well as the co-founder of SHIFT HR Compliance Training. She has also served
on the Board of Directors of the New York Society of Security Analysts (2010-2016), the Advisory Board
of the Healthcare Businesswomen&rsquo;s Association (2009 - 2019), as General Counsel to The Healthcare Marketing &nbsp;&amp; Communications
Council (2005 &ndash; 2009), on the Board of Trustees, Susan G. Komen Breast Cancer Foundation, Human Resources Committee (2004
&ndash; 2010), the Board of Trustees, The New Jersey Symphony Orchestra; Human Resources Committee (1999-2008) and the Board of
Directors of the Commerce</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">and Industry Association of New Jersey (2013 &ndash; 2016). Ms.
Nukk-Freeman&rsquo;s expertise in employment law, and best business practices in Human Resources and Diversity, Equity and Inclusion,
coupled with her entrepreneurial undertakings, provides the Board with a unique and invaluable perspective. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><FONT STYLE="font-size: 10pt"><I>Joseph
Parisi, Jr., Director, 61:</I>&nbsp;Mr. Parisi was a founding organizer of the Bank. Mr. Parisi has served in various roles as
account executive, claims executive, branch manager, COO, President and Chief Executive Officer of Otterstedt Insurance Agency
since 1979. He also served as Mayor for the Borough of Englewood Cliffs, New Jersey, from November 2005 to January 2016. His experience
in the insurance industry and as the former Mayor of a town in our market allow him to provide valuable insight to the Board on
conditions affecting our customers.</FONT><FONT STYLE="color: #222222">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><I>Daniel Rifkin,
Director, 50: </I>Mr. Rifkin has been a certified public accountant since 1993 and, since 1999, has served as the Managing Partner
of Rifkin &nbsp;&amp; Company, CPA&rsquo;s, LLP. In such role, Mr. Rifkin provides accounting services to both business enterprises and
individuals, including tax planning, tax preparation, compilations, audits, and reviews. In addition, he serves as the President
of Payserv Corporation, a payroll processing and human resource management company. Mr. Rifkin is a member of the American Institute
of CPAs and the New York State Society of CPAs. Mr. Rifkin joined the Board of Directors in connection with the acquisition by
the Company of Greater Hudson Bank, effective as of January 2, 2019. During his tenure at Greater Hudson Bank, he served as Vice
Chairman from 2008 until its acquisition, and as Audit Committee Chairman for approximately five years. Mr. Rifkin&rsquo;s expertise
in accounting matters, and as the proprietor of locally owned businesses, provides him with unique perspective valuable to the
Company&rsquo;s Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt"><I>Mark Sokolich, Director, 57: </I>Mr. Sokolich
is an attorney and the Managing Partner of the Law Office of Mark J. Sokolich, a real estate, zoning and commercial law firm in
Fort Lee, New Jersey, which he co-founded. Mr. Sokolich has been the Mayor of Fort Lee since 2008 and formerly served on the Fort
Lee City Council for two years. Mr. Sokolich&rsquo;s experience as a Mayor with expertise in municipal, redevelopment and real
estate law would enable him to provide a dynamic and valuable perspective to the Board. Mr. Sokolich joined the Board of Directors
in connection with the acquisition by the Company of Bank of New Jersey, effective as of January 2, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt"><I>William A. Thompson, Director, 63:</I>&nbsp;Mr.
Thompson&rsquo;s management and business experience led the Board to conclude that Mr. Thompson should serve as a director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Diversity Statement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">When the Board
determines there is a need to fill a director position, we begin to identify qualified individuals for consideration. We seek
individuals that possess skill sets that a prospective director will be required to draw upon in order to contribute to the
Board, including professional experience, education, and local knowledge.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company
takes pride in serving one of the most diverse, robust markets in the nations. As the Company continues to grow, the Board
believes that it is critical to have a board composition of varying skill sets, perspectives, experiences, and diverse
backgrounds to make for a balanced and effective board that serves as a reflection of the communities it leads while
positioning the Company address the evolving needs of the organization.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>INFORMATION ABOUT THE BOARD OF DIRECTORS
AND MANAGEMENT</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Security Ownership of Management</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The following table sets forth information
as of April 6, 2021 regarding common stock and other equity securities of the Company beneficially owned by all Directors, executive
officers described in the compensation table, and by all Directors and executive officers as a group,
and by shareholders known to the Company to own at least 5% of the Company&rsquo;s issued and outstanding shares of common stock.
Beneficial ownership includes shares, if any, held in the name of the spouse, minor children or other relatives of the nominee
living in such person&rsquo;s home, as well as shares, if any, held in the name of another person under an arrangement whereby
the Director or executive officer can vest title in himself at once or within sixty (60) days. Beneficially owned shares also include
shares over which the named person has sole or shared voting or investment power, shares owned by corporations controlled by the
named person, and shares owned by a partnership in which the named person is a partner.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; white-space: nowrap; font-weight: bold; text-align: center">Shares of<BR>Common Stock</TD><TD STYLE="font-weight: bold">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; white-space: nowrap; font-weight: bold; text-align: center">Percentage of<BR>Common Stock<BR>Beneficially Owned</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold">Directors:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-left: 2pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 89%; text-align: left">Frank Sorrentino III</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 2%; text-align: right">790,392</TD><TD STYLE="padding-left: 2pt; width: 1%; text-align: left">(1)&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 2%; text-align: right">1.99%</TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Frank W. Baier</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">94,113</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.24%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Alexander A. Bol</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">138,358</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.35%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Stephen T. Boswell</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">277,315</TD><TD STYLE="padding-left: 2pt; text-align: left">(2)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.70%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Frank Huttle III</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">173,620</TD><TD STYLE="padding-left: 2pt; text-align: left">(3)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.44%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Michael Kempner</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">357,069</TD><TD STYLE="padding-left: 2pt; text-align: left">(4)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.90%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Nicolas Minoia</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51,785</TD><TD STYLE="padding-left: 2pt; text-align: left">(5)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.13%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Katherin Nukk-Freeman</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,510</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.02%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Joseph Parisi Jr.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">266,310</TD><TD STYLE="padding-left: 2pt; text-align: left">(6)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.67%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Daniel Rifkin</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">202,508</TD><TD STYLE="padding-left: 2pt; text-align: left">(7)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.51%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Mark Sokolich</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">87,510</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.22%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">William A. Thompson</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">102,691</TD><TD STYLE="padding-left: 2pt; text-align: left">(8)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.26%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left">Executive Officers Who are Not Directors:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">William S. Burns</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">92,284</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.23%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Christopher Ewing</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">37,211</TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.09%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Elizabeth Magennis</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">95,583</TD><TD STYLE="padding-left: 2pt; text-align: left">(9)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.24%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; padding-bottom: 1px">Michael McGrover</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">30,045</TD><TD STYLE="padding-left: 2pt; padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">0.08%</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: left">As a Group (16 persons)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 3px double"><B>2,804,304</B></TD><TD STYLE="padding-left: 2pt; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 3px double"><B>7.05%</B></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 92%; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>5% Shareholders:</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="padding-left: 2pt; white-space: nowrap; width: 1%; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; padding-top: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Black Rock, Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,528,258</FONT></TD>
    <TD STYLE="padding-left: 2pt; white-space: nowrap; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(10)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.36%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dimensional Fund Advisors LP</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,340,744</FONT></TD>
    <TD STYLE="padding-left: 2pt; white-space: nowrap; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(11)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right; padding-top: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.89%</FONT></TD></TR>
</TABLE>


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

<div>____________________</div><BR>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%">(1)</TD><TD STYLE="width: 99%">Includes 46,925 shares held
                                         in the name of Morgan Stanley f/b/o Frank Sorrentino III, IRA </TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(2)</TD><TD>Includes (i) 233,739 held
                                         by an irrevocable trust for benefit of Mr. Boswell&rsquo;s spouse and descendants (of
                                         which the reporting person&rsquo;s spouse, adult daughter and unrelated third person are trustees),
                                         and to which Mr. Boswell has no economic interest, (ii) 25,500 held by an irrevocable
                                         trust for the benefit of Mr. Boswell and his descendants (of which an unrelated third
                                         person is trustee) and (iii) 1,578 shares purchasable upon the exercise of stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(3)</TD><TD>Includes (i) 37,666 shares
                                         held in the name of Morgan Stanley f/b/o Frank Huttle III, IRA, (ii) 6,500 shares held
                                         as trustee of the Francesca Huttle 2004 Family Trust, (iii) 6,500 shares held as trustee
                                         of the Alexandra Huttle 2004 Family Trust, (iv) 158,744 shares held in the name of Mr. Huttle&rsquo;s spouse,
(v) 6,500 shares held by an LLC in which spouse is a member, (vi) 1,578 shares purchasable upon the exercise of stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(4)</TD><TD>Includes (i) 1,578 shares
                                         purchasable upon the exercise of stock options and (ii) 277,066 common shares pledged
                                         as collateral for a loan.</TD></TR>

</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">                                                                                                                                                                                                                                                                                                                                                                                                                           <TR STYLE="vertical-align: top">

<TR>
<TD STYLE="text-align: left; padding-right: 8pt; width: 1%; vertical-align: top">(5)</TD><TD STYLE="width: 99%">Includes (i) 1,056 shares
                                         owned jointly an unaffiliated third-party, and (ii) 6,946 shares purchasable upon the
                                         exercise of stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(6)</TD><TD>Includes (i) 37,869 shares
                                         held in the name of Otterstedt Insurance Agency, of which Mr. Parisi is part owner, (ii)
                                         8,038 shares held by Mr. Parisi as custodian for his children, and (iii) 1,578 shares
                                         purchasable upon the exercise of stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(7)</TD><TD><FONT STYLE="color: #222222; background-color: white">Includes
                                         (i)&nbsp;16,194 shares&nbsp;held in the name of Stifel Nicolaus f/b/o Daniel Rifkin IRA,
                                         (ii) 154,994 shares owned jointly with Mr. Rifkin&rsquo;s wife, and (iii) 16,856 shares
                                         held in the name of Stifel Nicolaus f/b/o Sheila Rifkin IRA.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(8)</TD><TD>Includes (i) 8,338 shares
                                         held by Mr. Thompson&rsquo;s spouse and children, and (ii) 6,473 shares purchasable upon
                                         the exercise of stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(9)</TD><TD>Includes 5,158 shares purchasable
                                         upon the exercise of stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(10)</TD><TD>All information regarding
                                         the number of shares beneficially owned and the percent of ownership by BlackRock, Inc.,
                                         was obtained from the 13G filed with the U.S. Securities and Exchange Commission on February
                                         12, 2020. The address of BlackRock, Inc. is 55 East 52nd Street, New York, NY 10055.
                                         </TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt">(11)</TD><TD>All information regarding
                                         the number of shares beneficially owned and the percent of ownership by Dimensional Fund
                                         Advisors, LP, was obtained from the 13G filed with the U.S. Securities and Exchange Commission
                                         on February 12, 2020. The address of Dimensional Fund Advisors, LP is Building One, 6300
                                         Bee Cave Road, Austin, Texas, 78746. </TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">There are no shareholders
other than those set forth above who are known to the Company to beneficially own 5% or more of the Common Stock of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Board of Directors; Independence;
Committees</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board of Directors
held a total of fifteen (15) meetings in the year ended December 31, 2020. The Company&rsquo;s policy is that all Directors make
every effort to attend each meeting. For the year ended December 31, 2020, each of the Company&rsquo;s Directors attended at least
75% of the aggregate number of meetings of the Board of Directors and Board committees on which the respective Directors served.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">A majority of the
Board consists of individuals who are &ldquo;independent&rdquo; under the NASDAQ listing standards. In making this determination
the Board has considered the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company and the Bank have used Mr. Kempner&rsquo;s
firm, MWW Group, to provide advertising and public relations assistance and advice. The Board considered, among other factors,
the fees paid to MWW Group as a percentage of the firm&rsquo;s total revenue (less than 1%) and Mr. Kempner&rsquo;s personal income
and determined that the engagement of MWW Group did not interfere with Mr. Kempner&rsquo;s exercise of independent judgment in
carrying out the responsibilities of a director.</FONT></TD></TR>                                                                 <TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In the past, the Company has utilized the services
of Nukk-Freeman &nbsp;&amp; Cerra, P.C., a labor and employment law firm, or SHIFT HR Compliance Training, LLC., a company providing
human resources related educational training. Director Katherin Nukk-Freeman is a principal of Nukk-Freeman &nbsp;&amp; Cerra, P.C. and
a co-founder of SHIFT HR Compliance Training, LLC. In 2019, the Company paid Nukk-Freeman &nbsp;&amp; Cerra, P.C. less than $1,000 for
legal services rendered, and the Company paid SHIFT HR Compliance Training, LLC. approximately $2,900 for generic educational
services. The Company did not utilize the services of Nukk-Freeman &nbsp;&amp; Cerra, P.C. or SHIFT HR Compliance Training, LLC
in 2020.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank has used a law firm in which Mr. Sokolich
is a partner to provide legal and closing services on a limited number of loans to third party customers, for which the firm was
paid a de minimus amount of legal fees. The Board considered, among other factors, the fees paid Mr. Sokolich&rsquo;s firm as a
percentage of the firm&rsquo;s total revenue (less than 1%) and Mr. Sokolich&rsquo;s personal income and determined that the foregoing
did not interfere with Mr. Sokolich&rsquo;s exercise of independent judgment in carrying out the responsibilities of a director.</FONT></TD></TR>
</TABLE>




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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Several directors, including Messrs. Boswell, Huttle,
Kempner and Parisi, each own a direct or indirect interest in a limited liability company which acts as a landlord for two of the
Bank&rsquo;s branches, See &ndash; CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS. The Board has further considered the fact that
(i) Director Minoia also owns an interest in an entity which owns the Bank&rsquo;s Summit branch and (ii) Director Rifkin owns
an interest in (x) an entity which owns the Bank&rsquo;s Bardonia, New York branch, and (y) an entity which owns the Bank&rsquo;s
Blauvelt, New York branch. The Board has concluded that based on interest in the rental payments compared to their overall net
worth and cash, membership in such limited liability company does not interfere with their exercise of independent judgment in
carrying out the responsibilities of a director. </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Mr. Sorrentino,
who serves as the Chairman and Chief Executive Officer, is not independent. Shareholders wishing to communicate directly with the
independent members of the Board of Directors may send correspondence to ConnectOne Bancorp, Inc., attn.: Stephen T. Boswell, Lead
Independent Director, 301 Sylvan Avenue, Englewood Cliffs, New Jersey 07632.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Code of Business Conduct and Ethics</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board of Directors
has adopted a Code of Ethics governing our Chief Executive Officer and senior financial and accounting officers, as required by
the Sarbanes-Oxley Act and SEC regulations, as well as the Board of Directors and other senior members of management. Our Code
of Ethics governs such matters as conflicts of interest, use of corporate opportunity, confidentiality, compliance with law and
the like. Our Code of Ethics is available on our website at&nbsp;<I>www.connectonebank.com&nbsp;</I>under &ldquo;About&rdquo;,
then &ldquo;Investor Relations&rdquo;, then &ldquo;Documents and Notifications.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Committees of Our Board of Directors</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Our Board of Directors
frequently conducts business through committees. Our most significant committees are the Audit and Risk Committee, the Nominating
and Corporate Governance Committee and the Compensation Committee. The table below sets forth the membership of these committees:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 15pt; width: 20%; border-bottom: black 1px solid; text-align: center; text-indent: -15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Committee</B></font></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; width: 79%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Membership</B></font></TD></TR>
<TR STYLE="background-color: silver">
    <TD STYLE="padding-left: 15pt; vertical-align: top; text-indent: -15pt">Audit and Risk Committee</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">Frank W. Baier*, Stephen T. Boswell, Frank Huttle III, Nicholas Minoia,
    and Daniel Rifkin </TD></TR>
<TR>
    <TD STYLE="padding-left: 15pt; vertical-align: top; text-indent: -15pt">Nominating and Corporate Governance Committee</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">Frank Huttle III*, Nicholas Minoia, Katherin Nukk-Freeman and William
    A. &nbsp;Thompson</TD></TR>
<TR STYLE="background-color: silver">
    <TD STYLE="padding-left: 15pt; vertical-align: top; text-indent: -15pt">Compensation Committee</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Stephen T. Boswell*, Katherin Nukk-Freeman, and William A. Thompson</TD></TR>
</TABLE>
<div>____________________</div><BR>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white">
<TR>
    <TD STYLE="padding-right: 8pt; white-space: nowrap; vertical-align: top; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD>
    <TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Audit and Risk Committee</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We maintain an Audit
and Risk Committee in accordance with Section 3(a)(58)(A) of the Securities Exchange Act of 1934. The Audit and Risk Committee
is responsible for the selection of the independent registered public accounting firm for the annual audit and to establish, and
oversee the adherence to, a system of internal controls. The Audit and Risk Committee reviews and accepts the reports of our independent
auditors and regulatory examiners. The Audit and Risk Committee arranges for an annual audit through its registered independent
public accounting firm, evaluates and implements the recommendations of the auditors as well as interim audits performed by our
outsourced internal auditors, receives all reports of examination by bank regulatory agencies, analyzes such regulatory reports,
and reports to the Board the results of its analysis of the regulatory reports. The Audit and Risk Committee met four (4) times
during 2020. The Board of Directors has adopted a written charter for the Audit and Risk Committee which is available on our website
at&nbsp;<I>www.connectonebank.com</I>. The Board has determined that Frank W. Baier, a member of Audit and Risk Committee beginning
in 2018, qualifies as an &ldquo;audit committee financial expert&rdquo; under the Rules of the Securities and Exchange Commission.</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Independence of Audit and Risk
Committee Members</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">All members of the
Audit and Risk Committee are &ldquo;independent&rdquo; under the NASDAQ listing standards, meet the independence standards of the
Sarbanes-Oxley Act for service on an audit committee, and are financially literate and can read and understand financial statements,
as required by the Audit and Risk Committee charter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Audit and Risk Committee Report</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Audit and Risk
Committee meets periodically to consider the adequacy of the Company&rsquo;s financial controls and the objectivity of its financial
reporting. The Audit and Risk Committee meets with the Company&rsquo;s independent auditors and the Company&rsquo;s internal auditors,
all of whom have unrestricted access to the Audit and Risk Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">In connection with
this year&rsquo;s financial statements, the Audit and Risk Committee has reviewed and discussed the Company&rsquo;s audited financial
statements with the Company&rsquo;s officers and Crowe LLP, our independent auditors. We have discussed with Crowe LLP, the matters
required to be discussed by Statement on Auditing Standards No. 61, (&ldquo;Communication with Audit Committees&rdquo;). We also
have received the written disclosures and letters from Crowe LLP required by Independence Standards Board Standard No. 1 (&ldquo;Independence
Discussions with Audit Committees&rdquo;), and have discussed with representatives of Crowe LLP their independence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Based on these reviews
and discussions, the Audit and Risk Committee recommended to the Board of Directors that the audited financial statements be included
in the Company&rsquo;s Annual Report on Form 10-K for the fiscal year 2020 for filing with the U.S. Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">Frank W. Baier
(Chairman)<BR>
Stephen T. Boswell<BR>
Frank Huttle, III<BR>
Nicholas Minoia</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">During 2020, our
Compensation Committee consisted of Stephen T. Boswell, Kathern Nukk-Freeman, and William A. Thompson.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Charter</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board has defined
the duties of its Compensation Committee in a charter. A copy of the current Compensation Committee charter is available on the
Company&rsquo;s website at&nbsp;<I>www.connectonebank.com</I>&nbsp;under &ldquo;For Shareholders&rdquo; and then under &ldquo;Documents
and Notifications.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Authority, Processes and Procedures</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee is responsible for administering the Company&rsquo;s equity compensation plans, for establishing the compensation of
the Company&rsquo;s President and Chief Executive Officer and for the Board of Directors, and for recommending to the Board the
compensation of the other executive officers. The Compensation Committee also establishes policies and monitors compensation for
the Company&rsquo;s employees in general. While the Compensation Committee may, and does in fact, delegate authority with respect
to the compensation of employees in general, the Compensation Committee retains overall supervisory responsibility for employee
compensation. With respect to executive compensation, the Compensation Committee receives recommendations and information from
senior staff members, as well as outside compensation consultants, regarding issues relevant to determinations made by the Compensation
Committee. Mr. Sorrentino participates in Committee deliberations regarding the compensation of other executive officers but does
not participate in deliberations regarding his own compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Independence of Compensation Committee
Members</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Committee is
comprised solely of independent directors.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Consultants</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee recognizes that it is essential to receive objective advice from an outside compensation consultant. Currently, the Compensation
Committee utilizes Meridian Compensation Partners, LLC (&ldquo;Meridian&rdquo;) as its independent compensation consultant. Meridian
reports directly to the Compensation Committee and attends meetings as requested. The Compensation Committee has assessed Meridian&rsquo;s
independence relative to the NASDAQ listing rules and determined that there are no conflicts of interest. The Compensation Committee
also closely examines the safeguards and steps Meridian takes to ensure that its executive compensation consulting services are
objective. The Compensation Committee takes into consideration that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the Compensation Committee directly hired and has
the authority to terminate Meridian&rsquo;s engagement;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the Compensation Committee solely determined the
terms and conditions of Meridian&rsquo;s engagement, including the fees charged;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Meridian and its consultants have direct access to
members of the Compensation Committee during and between meetings;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Meridian does not provide any other services to the
Company, the Bank, its directors or executives; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">interactions between Meridian and its consultants
and management generally are limited to discussions on behalf of the Compensation Committee and information presented to the Compensation
Committee for approval.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Nominating Committee Matters</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Independence of Nominating and Corporate
Governance Committee Members</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">All members of the
Nominating and Corporate Governance Committee of the Board have been determined to be &ldquo;independent directors&rdquo; pursuant
to the definition contained in NASDAQ Rule 5605.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Procedures for Considering Nominations Made by Shareholders</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The Nominating and Corporate Governance Committee
charter describes procedures for nominations to be submitted by shareholders and other third-parties, other than for candidates
who have previously served on the Board or who are recommended by the Board. The Company&rsquo;s
bylaws state that a nomination must be delivered to Company&rsquo;s Corporate Secretary at the principal executive offices of the
Company not later than the close of business on the 50<SUP>th</SUP> &nbsp;day or earlier than the close of business on the 75<SUP>th</SUP>&nbsp;day
prior to the anniversary of the preceding year&rsquo;s annual meeting; provided, however, that if less than 60 days&rsquo; notice
or prior public disclosure of the date of the meeting is given or made to stockholders, notice by the stockholder to be timely
must be so received not later than the close of business on the 10<SUP>th</SUP> day following the day on which such notice of the
date of meeting was mailed or such public disclosure was made, whichever first occurs. The public announcement of an adjournment
or postponement of an annual meeting will not commence a new time period (or extend any time period) for the giving of a notice
as described above. The bylaws require a nomination notice to set forth as to each person whom the proponent proposes to nominate
for election as a director: (a) all information relating to such person that is required to be disclosed in solicitations of proxies
for election of directors in an election contest, or is otherwise required, in each case pursuant to Schedule 14A under the Securities
Exchange Act of 1934, as amended (including such person&rsquo;s written consent to being named in the proxy statement as a nominee
and to serving as a director it elected), and (b) information that will enable the Nominating Committee to determine whether the
candidate or candidates satisfy the criteria established pursuant to the charter for director candidates.</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Qualifications</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The charter of the
Nominating and Corporate Governance Committee describes the minimum qualifications for nominees to the Board and the qualities
or skills that are necessary for directors to possess. Each nominee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">must satisfy any legal requirements applicable to
members of the Board;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">must have business or professional experience that
will enable such nominee to provide useful input to the board in its deliberations;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">must have a reputation, in one or more of the communities
serviced by the Company and its subsidiaries, for honesty and ethical conduct;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">must have a working knowledge of the types of responsibilities
expected of members of the board of directors of a bank holding company; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">must have experience, either as a member of the board
of directors of another public or private company or in another capacity that demonstrates the nominee&rsquo;s capacity to serve
in a fiduciary position.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Identification and Evaluation of
Candidates for the Board</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Candidates to serve
on the Board will be identified from all available sources, including recommendations made by shareholders. The Nominating and
Corporate Governance Committee&rsquo;s charter provides that there will be no differences in the manner in which the committee
evaluates nominees recommended by shareholders and nominees recommended by the committee or management, except that no specific
process shall be mandated with respect to the nomination of any individuals who have previously served on the Board. The evaluation
process for individuals other than existing board members will include:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a review of the information provided to the Nominating
and Corporate Governance Committee by the proponent;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if requested, a review of reference letters from
at least two sources determined to be reputable by the Nominating and Corporate Governance Committee; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a personal interview of the candidate, together with
a review of such other information as the Nominating and Corporate Governance Committee shall determine to be relevant.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Third Party Recommendations</I></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">In connection with
the 2021 annual meeting, the Nominating and Corporate Governance Committee did not receive any nominations from any shareholder
or group of shareholders that owned more than 5% of common stock for at least one year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Compensation Committee Interlocks
and Insider Participation</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">There are no compensation
committee &ldquo;interlocks,&rdquo; which generally means that no executive officer of the Company or the Bank served as a director
or member of the compensation committee of another entity, one of whose executive officers serves as a director or member of the
Compensation Committee of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Board Leadership; Lead Independent
Director</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Mr. Frank Sorrentino
III, the Company&rsquo;s President and CEO, also serves as Chairman. The Board considered the fact that Mr. Sorrentino had served
as Chairman, President and CEO of our predecessor company, believed that that structure had worked well for the predecessor company
and noted the success that Mr. Sorrentino had in growing the predecessor company. The Board believes that the combination of these
two roles at this time provides the benefit of a more consistent communication and coordination throughout the organization. This,
in turn, will result in a more effective and efficient implementation of corporate strategy and is important in unifying the Company&rsquo;s
strategy behind a single vision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Our Board has also
appointed Mr. Stephen T. Boswell, an independent director, to serve as Lead Independent Director of the Board. As Lead Independent
Director, Mr. Boswell is charged with presiding over all Board meetings when the Chairman is not present, and presides over meetings
of the non-management directors held in executive</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">session. The Lead Independent Director has the responsibility of meeting and
consulting with the Chairman and Chief Executive Officer on Board and committee meeting agendas, acting as a liaison between management
and the non-management directors, including maintaining frequent contact with the Chairman and Chief Executive and advising him
on the efficiency of the Board meetings, and facilitating teamwork and communication between the non-management directors and management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Majority Vote Requirement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Although the NJBCA
provides that elections to the Board of Directors are approved under a plurality voting standard, the Company&rsquo;s has adopted
a &ldquo;majority voting&rdquo; standard in uncontested elections in its bylaws. Pursuant thereto, each director has delivered
to the Board an irrevocable resignation, which shall become effective in the event that, in an uncontested election, such director
receives fewer &ldquo;for&rdquo; votes than &ldquo;against&rdquo; or &ldquo;withhold&rdquo; votes. Such resignation shall become
effective upon (i) the selection of a replacement director, or (ii) 90 days after certification of such stockholder vote. The Board
believes that this strategy best places ultimate authority of Board composition in the hands of the Company&rsquo;s shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Risk Oversight</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Risk is an inherent
part of the business of banking. Financial risks faced by the Bank include credit risk relating to its loans and interest rate
risk as it pertains to its entire balance sheet. The Bank is also exposed to non-financial risks relating to its operations, personnel,
and regulatory environment, as well as extraneous risks surrounding regional and global socioeconomic conditions. The Board of
Directors oversees these risks through the adoption of policies and by delegating oversight to certain committees, such as the
Audit and Risk Committee, which is chartered with the responsibility to oversee and manage the risk profile of the Bank. This is
accomplished through risk assessments, periodic committee meetings, and reporting from risk owners and control functions. Other
committees focus on risks arising from specific Company activities, including the Loan and Asset/Liability Committee of the Bank.
These committees exercise oversight by establishing a corporate environment that promotes timely and effective disclosure, fiscal
accountability and compliance with all applicable laws and regulations. In addition, in order to enhance its risk oversight, the
Company has retained a Chief Risk Officer in the fourth quarter of 2020.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Hedging and Pledging Policy</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The Company considers it inappropriate for
any director or officer to enter into speculative transactions in the Company&rsquo;s securities to attempt to separate the economic
risk of holding the Company&rsquo;s securities from the ownership of the securities. The Company&rsquo;s insider trading policy
therefore prohibits the purchase or sale of puts, calls, options, or other derivative securities based on the Company&rsquo;s securities.
This prohibition also includes hedging or monetization transactions, such as forward sale contracts, in which the stockholder continues
to own the underlying security without all the risks or rewards of ownership. The policy does not prohibit directors, officers,
and other employees from pledging the Company&rsquo;s securities they own as collateral. The prohibitions also do not apply to
a broker-assisted cashless exercise of stock options granted as part of a Company incentive plan.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; background-color: white"><B>EXECUTIVE COMPENSATION
- COMPENSATION DISCUSSION AND ANALYSIS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee (the &ldquo;Committee&rdquo;) and the Company are both committed to a pay-for-performance philosophy. This Compensation
Discussion &nbsp;&amp; Analysis (CD&amp;A) provides information about the strategies and policies developed to ensure that executive
compensation is strongly correlated with the Company&rsquo;s overall performance and the individual performance of our executives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Our Named Executive
Officers (NEOs) for 2020 were:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; width: 51%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frank Sorrentino III</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 48%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman, President, &nbsp;&amp; Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William S. Burns</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President &nbsp;&amp; Chief Financial Officer</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Elizabeth Magennis</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank President</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Christopher Ewing</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Vice President &nbsp;&amp; Chief Operations Officer</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Michael McGrover</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Senior Vice President &nbsp;&amp; Chief Credit Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><BR>&nbsp;</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Business Results</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Fiscal year 2020
represented a year of significant challenges for the Company, the economy and the United States as a nation. Starting in March,
the COVID-19 pandemic challenged every facet of our business. Our employees faced &ldquo;stay at home&rdquo; orders and the temporary
closure of our branches, and during the course of the year significant numbers of our employees worked remotely. The economy of
our metropolitan New York trade area faced, in succession, lock-downs and closings, re-openings with major restrictions, a lessening
of restrictions and then re-imposition of more stringent restrictions. Following regulatory guidance, we worked with our borrowers
most affected by the pandemic and government response, offering loan payment deferrals and other assistance. Due to the economic
uncertainty caused by the pandemic, we significantly increased our provisions for loan losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Despite this disruption,
our overall financial performance was strong with reported net income of $71.3 million. We ended the year in solid fashion, as
our fourth quarter earnings exceeded earnings for the third quarter of 2020 and earnings for the fourth quarter of 2019. We achieved
solid growth in our loan portfolio, shareholders&rsquo; equity and tangible book value per share, while continuing to maintain
strong asset quality. We believe we are well positioned for even stronger performance as the economy begins its recovery from the
pandemic. During 2020, we accomplished the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Strong financial operating performance despite the disruption
and economic dislocation caused by the COVID-19 pandemic</FONT></TD></TR></TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif" size=2>For the full-year 2020, return on assets, return on tangible common
equity and the efficiency ratio were 0.96%, 10.80% and 40.9%, respectively</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif" size=2>For the second half of 2020, return on assets, return on tangible
common equity and the efficiency ratio were 1.34%, 15.13% and 39.8%, respectively</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif" size=2>For the full-year 2020, our pretax-pre provision operating earnings
as a percent of assets was approximately 2%, placing us among the top performing banks nationwide.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Our net interest margin widened each and every quarter of the year
increasing to 3.50% for the 4<SUP>th</SUP> quarter of 2020 from 3.36% for the 4<SUP>th</SUP> quarter of 2019.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif">We were an active participant in the SBA&rsquo;s Paycheck Protection
Program, helping businesses in our marketplace by directly originating approximately $500 million in PPP loans, and placing hundreds
of millions of additional loans through our BoeFly fintech subsidiary.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tangible book value per share increased by 8.9% to $17.49 on December
31, 2020 from $16.06 at year-end 2019.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Our risk-based capital ratios increased significantly over the course
of the year. The Common Equity Tier 1 ratio increased to 10.79% from 9.95% and the Total Capital ratio increased to 15.08% from
12.96%. </FONT></TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Asset quality remained strong. Our nonperforming assets ratio remained
stable at 0.81% at year-end 2020 compared to 080% at year-end 2019. We increased our reserves by more than $40 million, largely
to protect against potential COVID-related loan losses. Our loan loss reserve ratio increased to 1.27% from 0.75%.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif">We completed and seamlessly integrated our acquisition of Bancorp
of New Jersey on January 2, 2020, adding <FONT STYLE="background-color: white">approximately $780 million of loans and deposits
of $785 million.</FONT></FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>



<P STYLE="text-indent: 15pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt">In making compensation decisions, both in setting base
salaries for 2021 and in determining bonus payments for 2020, our Compensation Committee decisions reflected the impact of the COVID-19
pandemic on our results, our stock performance and our markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>2020 Compensation Decisions in
Support of our Pay for Performance Philosophy </I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company had
strong operational results and success during 2020, and expanded both through organic growth and acquisition. Our executive compensation
program, practices and pay decisions are directly aligned with shareholders through rigorous stock ownership guidelines and equity
based long-term incentives. As a result, our executive team does better when our stockholders see greater returns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Our Compensation Approach </I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Our long range mission
is to produce value for our shareholders by providing outstanding service and responsiveness to the markets and customers we serve.
These goals are reflected in the Company&rsquo;s compensation programs for its executive officers by:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%"><FONT STYLE="font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-size: 10pt">Ensuring that our key NEO&rsquo;s maintain and hold a significant equity interest in the Company,
thereby further aligning management interests with those of the shareholders, by making a significant portion of incentive compensation
payable in Company stock and through robust stock ownership guidelines for our NEO&rsquo;s;</FONT></TD></TR>                                                                                                            <TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt"><FONT STYLE="font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Creating balanced incentives that do not encourage NEOs to expose the Company to inappropriate
risks by providing excessive compensation that could lead to material loss;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt"><FONT STYLE="font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Providing a market competitive overall compensation package so that the Company may attract,
retain and reward highly qualified, motivated and productive executives; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-left: 15pt; padding-right: 8pt"><FONT STYLE="font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Rewarding individuals based on their responsibility and achievements within a framework that
is internally equitable.</FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Performance-Based Compensation</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Pay-for-performance
is a key objective of our executive compensation program. A significant portion of our compensation program focuses on performance-based
pay that rewards our achievements on an annual basis as well as our ability to deliver long-term value to our stockholders. We
have a balanced approach to total compensation that includes a mix of base/fixed pay and variable/performance-based pay, a proportion
of cash and equity and a proportion of short- and long-term incentive compensation. For the fiscal year 2020, our compensation
targets and pay mix (targeting market median) are show below and represent our goal to provide:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant portion of target pay that is at-risk
and based on performance </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Meaningful portion of pay that is denominated as
equity</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Half of our equity shares will vest only if predetermined
performance goals are achieved</FONT></TD></TR></TABLE>

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 49%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>CEO Target Pay Mix</B></FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 49%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>Other NEOs Target Pay Mix (1)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 6pt; white-space: nowrap; text-align: center"><IMG SRC="d384794x22x1.jpg" ALT=""></TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; white-space: nowrap; text-align: center"><IMG SRC="d384794x22x2.jpg" ALT=""></TD></TR>
</TABLE>


<div>____________________</div><BR>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; width: 1%">(1)</TD>
    <TD STYLE="width: 99%">Weighted Average of the Named Executive Officers other than the Chief Executive Officer</TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: -36pt"><B><I>Compensation Design Principles
and Governance Best Practices </I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The design principles
of our executive compensation programs are intended to protect and promote the interests of our stockholders. Below we summarize
certain practices we have implemented to drive performance and those we have not implemented because we do not believe they would
serve our stockholder&rsquo;s long-term interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">What We Do:</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left; width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pay for Performance &mdash;
We provide a significant portion of pay based on performance (short- and long-term)</FONT></TD></TR>                                                                                                    <TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sound Risk Management
&mdash; We discourage excessive risk taking and have designed our incentive plans with appropriate risk-mitigating features</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Caps on Incentives &mdash;
We subject both short and long-term incentive payments to caps </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Clawback &mdash; We have
adopted a clawback policy requiring the return of incentive compensation in the event of a financial restatement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stock Ownership Guidelines
&mdash; We require our executives and directors to own and hold significant shares in our Company</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Double-Trigger Change-in-Control
(CIC) &mdash; CIC benefits pursuant to employment or change in control agreements are only paid upon a termination event following
a CIC</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Independence &mdash;
The Committee engages an independent compensation consultant</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Competitive Benchmarking
&mdash; We benchmark our compensation practices to ensure executive compensation is consistent with market</FONT></TD></TR>
</TABLE>
<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

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<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">What We Don&rsquo;t Do:</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Gross-Ups &mdash; We do not provide excise tax
gross-ups on benefits or in change-in-control agreements</FONT><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD></TR>                                                                                           <TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stock Option Repricing &mdash; Our equity plans do
not permit repricing of stock options that are out-of-the-money</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Excessive Perquisites
&mdash; We do not permit perquisites other than those that are business-related</FONT></TD></TR>
</TABLE>




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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">                                                                                                                                                                                                                                                                                                                                                                                                                              <TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dividends &mdash; We do not pay current dividends
or dividend equivalents on unearned performance units or restricted stock units. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; padding-left: 30pt">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%; padding-left: 30pt"><FONT STYLE="font-size: 9.5pt">&#9632;</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hedging &mdash; Our insider trading policy prohibits the
purchase or sale of puts, calls, options, or other derivative securities based on the Company&rsquo;s securities. This prohibition
also includes hedging or monetization transactions, such as forward sale contracts, in which the stockholder continues to own the
underlying security without all the risks or rewards of ownership.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Calibri, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Say on Pay/Say on Frequency</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company solicited
a shareholder advisory vote on executive compensation in 2020, which received approval of 95.0% of the shares voted. Our shareholders
have approved an annual advisory vote on executive compensation, and accordingly we will provide our shareholders an opportunity
this year to approve our executive compensation on an advisory basis. While the say on pay vote is a formal means for soliciting
shareholder feedback, the Company welcomes the opportunity to engage with shareholders any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Executive Compensation Objectives
and Policies</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We use our executive
compensation programs to align the interests of executive officers with our shareholders. Our programs are designed to attract,
retain and motivate leadership to support our growth and sustain our competitive advantage. Our compensation opportunities are
aligned with the competitive market with actual pay that is designed to vary dependent on performance. We utilize a balance of
fixed and variable pay components, cash and equity, and short and long-term performance horizons to determine our pay. Our compensation
program is designed to support our business strategies, align our pay with our performance and reinforce sound compensation governance
to mitigate excessive risk taking. The table below gives an overview of the compensation components used in our program and matches
each with one or more of the objectives described above.</P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 25%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Compensation&nbsp;Component</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; white-space: nowrap; width: 72%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Purpose/Objective</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="white-space: nowrap">Base Salary</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="text-align: left"><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>provides a
    competitive level of fixed income based on role, experience and individual performance; target market median</FONT></DIV>
    </TD></TR>
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">Annual Incentive Plan</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>motivates
        and rewards executives for performance on key financial, operational and individual objectives in support of our annual
        business plan and broader corporate strategies </FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>rewards
        vary based on performance (higher performance will result in above market median pay; lower performance will result in
        below market median pay)</FONT></DIV>


</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="white-space: nowrap">Long-Term Incentive Plan</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>aligns
        executives&rsquo; interests with those of shareholders through equity-based compensation</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>rewards
        executives for long-term shareholder value creation</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>encourages
        retention through multiple year vesting</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>motivates
        and rewards executives for performance &ndash; vesting and value is tied to achievement of specific performance and/or
        stock price appreciation</FONT></DIV>

</TD></TR>
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">Other Benefits</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="text-align: left">
    <DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>provides a
    base level of competitive benefits for executive talent</FONT></DIV></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="white-space: nowrap; text-indent: -20pt; padding-left: 20pt">Employment Agreements/<BR>
    Severance &nbsp;&amp; CIC<BR>
    Agreements</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD>
    <DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>provides
        employment security to key executives</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>focuses
        executives on company performance and transactions that are in the best interests of shareholders, regardless of the impact
        such transactions may have on the executive&rsquo;s employment</FONT></DIV>

</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Peer Group &nbsp;&amp; Competitive Benchmarking</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The Compensation Committee typically conducts
comprehensive benchmark reviews every other year. In November 2019, the Committee engaged the independent consultant to update
the peer group and competitive benchmarking for consideration in setting 2020 compensation. The 2020 peer group consisted of publicly
traded Mid-Atlantic, Connecticut, Massachusetts, and Rhode Island bank holding companies with a total asset range of $4 billion
to $18 billion, with a goal to target our assets at the median.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: Transparent">
    <TD STYLE="white-space: nowrap; width: 57%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B><U>2020 Peer Group</U></B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 43%">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares Corporation</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Flushing Financial Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Berkshire Hills Bancorp, Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Independent Bank Group, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bridge Bancorp, Inc. </FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Independent Bank Corp.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brookline Bancorp, Inc. </FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lakeland Bancorp, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bryn Mawr Bank Corporation </FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">OceanFirst Financial Corp. </FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cadence Bancorporation</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Peapack-Gladstone Financial Corporation </FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customers Bancorp, Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provident Financial Services, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dime Community Bancshares, Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sandy Spring Bancorp, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Eagle Bancorp, Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Univest Financial Corporation </FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Midwest Bancorp, Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Washington Trust Bancorp, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First of Long Island Corporation </FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>2020 Executive Compensation Program and Pay Decisions:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Base Salary</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee reviews salaries each year with a goal to retain competitive positioning with market as the Company continues to grow.
The Committee considerers the benchmark data provided by the consultant, performance, experience and any unique contributions of
the role(s) as appropriate. Based on data provided by the independent consultant, the Committee determined that increases for each
of the Named Executive Officers&rsquo; salary was appropriate and reflected for positioning relative to market, executive performance,
and the Company&rsquo;s continued strong asset growth, performance and diversification. The table below summarizes the salaries
effective as of January 1, 2019 and January 1, 2020, which reflected modest competitive adjustments in line with our significant
growth:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 88%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Executive</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>2019
    Base Salary</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>2020&nbsp;Base&nbsp;Salary</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Percent&nbsp;Increase</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Frank Sorrentino III</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; white-space: nowrap; text-align: center">$800,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; white-space: nowrap; text-align: center">$825,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-left: 8pt; white-space: nowrap; text-align: center">3.1%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">William S. Burns</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">420,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">430,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">2.4</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Elizabeth Magennis</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">400,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">450,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">5.0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">Christopher Ewing</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">360,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">375,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">4.2</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Michael McGrover</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">305,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">315,000</TD>
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">3.3</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">In light of the impact and uncertainty of
the COVID-19 pandemic on the economy, our operations and the trading markets, our Compensation Committee determined that, with
the exception of Ms. Magennis, base salary increases were not appropriate for 2021. However, Ms. Magennis was promoted to President
of the Bank in 2021, and the Committee determined that, in light of her additional duties and market compensation for the position,
as raise was warranted for Ms. Magennis. Accordingly, the Compensation Committee approved the following base salaries:</P>
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 60%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 92%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Executive</B></font></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>2021&nbsp;Base&nbsp;Salary</B></font></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid"><P STYLE="margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Percent&nbsp;Increase</B></font></P>

<P STYLE="margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>From 2020</B></font></P>

</TD></TR>
<TR STYLE="background-color: silver">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Frank Sorrentino III</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="padding-right: 5pt; white-space: nowrap; vertical-align: bottom; text-align: center">$825,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-left: 8pt; white-space: nowrap; vertical-align: top; text-align: center">&mdash; %</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">William S. Burns</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">430,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">&mdash;</TD></TR>
<TR STYLE="background-color: silver">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Elizabeth Magennis</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="padding-left: 5pt; white-space: nowrap; vertical-align: bottom; text-align: center">450,000*</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">7.1</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Christopher Ewing</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">375,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">&mdash;</TD></TR>
<TR STYLE="background-color: silver">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">Michael McGrover</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">315,000</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center">&mdash;</TD></TR>
</TABLE>

<div>____________________</div><BR>
<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; width: 1%">*</TD>
    <TD STYLE="width: 99%">Ms. Magennis&rsquo;s base annual salary was increased to $450,000
on December 1, 2020, concurrent with her promotion to Bank President.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">An important element
of our performance-based pay program is our Executive Annual Incentive Plan, which provides cash incentives based on attaining
pre-established goals. Each participant has a target incentive opportunity expressed as a percentage of base salary, although actual
payouts can range from a 50% payout at threshold performance to 150% of target for stretch performance, with no payout below threshold.
The 2020 incentive targets are summarized below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 96%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Executive</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Target
    Incentive Opportunity</B><BR>
    <B>(+/- 50% for each performance goal for <BR> threshold, target and stretch)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Frank Sorrentino III</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-left: 8pt; white-space: nowrap; text-align: center">75%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">William S. Burns</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">50</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Elizabeth Magennis</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">50</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">Christopher Ewing</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">50</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Michael McGrover</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">35</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The Compensation Committee establishes performance
measures on an annual basis that are tied specifically to the Company&rsquo;s financial performance (return on average assets,
operating efficiency ratio and tangible book value) and individual executive performance. The weights and performance goals of
these factors are summarized in the following table:</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 80%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Performance
    Measure</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Weight</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Threshold<BR>
    (50%)</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Target<BR>
    (100%)</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Stretch<BR>
    (150%)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="width: 68%; text-align: left">Core Return on Assets (ROA)</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; text-align: right">25</TD><TD STYLE="width: 2%; text-align: left">%</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; text-align: right">0.95</TD><TD STYLE="width: 2%; text-align: left">%</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; text-align: right">1.15</TD><TD STYLE="width: 2%; text-align: left">%</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; text-align: right">1.35</TD><TD STYLE="width: 2%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Operating Efficiency Ratio (1)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">44.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">42.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">40.0</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD>Tangible Book Value Per Share</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">16.25</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">16.65</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">17.00</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Individual Strategic Performance</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">Varies</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



<div>____________________</div><BR>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; width: 18pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Operating Efficiency Ratio is calculated as total noninterest expenses, excluding non-operating expenses, divided by the sum of (i) net interest income, on a fully taxable equivalent basis, less the benefit of purchase accounting fair value marks and (ii) noninterest income, excluding securities gains and nonrecurring items.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">At the end of the
year, the Compensation Committee determined a payout percentage based on an assessment of the Company&rsquo;s three quantitative
financial measures (determined formulaically without any adjustments in recognition of COVID-19 or economic impact) as well as
an assessment of each executive&rsquo;s performance and contribution toward strategic goals. The corporate results were calculated
as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 88%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Performance Measure</B></font></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 3%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>2020</B></font><BR>
    <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Performance</B></font></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 3%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Result</B></font></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; width: 3%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Payout Result</B></font></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Core Return on Assets (ROA)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">1.16%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">Above Target</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">102.5%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">Operating Efficiency Ratio</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">40.9%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">Above Target</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">127.5%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">Tangible Book Value Per Share</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 17pt; white-space: nowrap; text-align: center">$17.49</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">Above Stretch</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">150.0%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">Individual Strategic Performance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; white-space: nowrap">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">(See Below)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">Varies</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">The
average of the performance payout results shown above, without taking into account an individual performance accomplishments, would
have indicated a payout of 126.7% of the targeted payout. However, in light of the impact and uncertainty of the COVID-19 pandemic
on the economy, our operations and the trading markets, our Compensation Committee determined to cap the payout for financial metrics
at 125% of the targeted payout.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">In determining the
performance on the individual portion of the annual incentive, the Committee considered its assessment of the Chief Executive Officer&rsquo;s
performance and the Chief Executive Officer&rsquo;s evaluation of the Named Executive Officers&rsquo; performance. In light of
strong performance on operational, strategic, financial shareholder metrics, and in consideration of the significant individual
and collective achievements of the executive team during 2020, the Committee approved payouts of up to 125% of target on the individual
performance portion for all Named Executive Officers. The table below summarizes some of the key accomplishments considered by
the Committee in determining the individual component.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: white; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Named
    Executive Officers</B></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Select
    2020 Individual Results</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="white-space: nowrap; width: 25%">Frank Sorrentino III</TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 74%"><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Exhibited strong
        leadership as the strategic plan goals were offset by the emergence of the COVID pandemic in 2020, including:</FONT>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT; PADDING-TOP: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Maintaining our &ldquo;People
        First&rdquo; and &ldquo;Sense of Urgency&rdquo; culture throughout the entire organization</FONT></DIV>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Understanding the rapidly
        changing marketplace and moving the Company to function in a new untested environment</FONT></DIV>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Leading the movement
        to support clients in their time of need including being among the first institution to fund a PPP Loan in the nation.</FONT></DIV>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Maintained the discipline
        to keep the conversion &nbsp;of the Bank of New Jersey transaction on track through a completely digital process.</FONT></DIV>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Mentoring and coaching
        of all senior management team members in this rapidly changing environment to focus on the transition required internally
        as well as the support of our clients</FONT></DIV>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Continued and doubled down
        on the &ldquo;Technology Forward&rdquo; strategy at multiple levels of the organization of our &ldquo;Digital Everything&rdquo;
        strategy</FONT></DIV>
		<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9632;</FONT><FONT face="Times New Roman" size=2>Provided the leadership necessary
        to guide the BoeFly division to support the majority of its client base and rebuild the entire the technology platform
        in the process</FONT></DIV></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Continued effective
        leadership at the Board level on various initiatives including corporate governance, risk management and diversity</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Promoted the Company's
        image nationally by appearing on&nbsp; nationally recognized media channels while become recognized as thought leader
        in the changing economic environment.</FONT></DIV>

</TD></TR>
</TABLE>




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    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; white-space: nowrap; width: 25%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Named
    Executive Officers</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; width: 74%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Select
    2020 Individual Results</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: Silver">
    <TD STYLE="white-space: nowrap">William S. Burns</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Completed Bank New
        Jersey Acquisition achieving record cost saves and earnings accretion</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Readied the Company
        for CECL accounting standard</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Oversaw the widening
        of the Bank&rsquo;s net interest margin through strategic positioning during a period when most Bank&rsquo;s margins contracted</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Promoted efficiency
        across the organization culminating in a best-in-class efficiency ratio</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Led issuance of
        Subordinated holding company debt during one of the worst stages of the pandemic</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Ran process and
        negotiated sale of branches to Rhinebeck</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Maintained relationships
        with sell side securities analysts leading to increased coverage and all &ldquo;buy&rdquo; ratings for the Company</FONT></DIV>

</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">Elizabeth Magennis</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Successfully integrated
         Bancorp of New Jersey acquisition from both a staff and client perspectives.</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Transitioned
         the bank to a largely remote operation due to COVID with minimal disruption</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Oversaw
         Paycheck Protection Plan lending originating nearly $500 million in loans helping to support the local economy</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Led
         loan deferment process under the CARES Act, providing relief to clients and protecting the Bank&rsquo;s capital and reserves</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Continued to streamline operations utilizing technology to maintain best-in-class
         efficiency</FONT></DIV></TD></TR>

<TR STYLE="vertical-align: top; background-color: Silver">
    <TD STYLE="white-space: nowrap">&nbsp;Christopher Ewing</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Oversaw operational
        integration of Bancorp of New Jersey acquisition into the Company</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Managed relationship
        with our core systems provider, reducing our costs despite significant growth in accounts</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Played critical
        role with the onset of COVID. Due to the Remote Access technology in place, the mass movement of staff from an office
        environment to 95% Remote Workforce was successfully completed with no disruption of service</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Initiated contactless
        cards, one of the first regional banks to do so</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Upgraded the call
        center and installed a new technology center</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Supported our BoeFly
        subsidiary by re-engineering bVerify, Market Place and its website. Added workflow improvements that enhanced the experience
        for all BoeFly stakeholders.</FONT></DIV>

</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap; width: 25%">Michael McGrover</TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 74%"><DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Directed Credit
        Officers on special projects during the pandemic that included the SBA PPP loan program and loan deferments</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Guided the integration
        of the Bank of New Jersey credit culture and underwriting process into the Company&rsquo;s </FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Oversaw changes
        and enhancements to the Bank&rsquo;s credit policy to mitigate potential risk resulting from the Pandemic, new loan products
        and overall growth</FONT></DIV>
<DIV style="PADDING-LEFT: 15pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: left; PADDING-BOTTOM: 6PT"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT face="Times New Roman" size=2>Continued to develop
        and implement functionality on the nCino platform to improve risk rating accuracy</FONT></DIV>

</TD></TR>
</TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 60%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1px solid; width: 92%; padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Executive</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>2020 Target Annual</B></FONT><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Incentive Award (1)</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1px solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>2020 Actual Annual</B></FONT><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Incentive Award</B></FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Frank Sorrentino III</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$618,750</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$773,438</FONT></TD></TR>
<TR>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>William S. Burns</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">215,000</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">268,750</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Elizabeth Magennis</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">225,000</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">281,250</FONT></TD></TR>
<TR>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Christopher Ewing</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">187,500</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">225,000</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Michael McGrover</B></FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">110,250</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: #BFBFBF 1px solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,738</FONT></TD></TR>
</TABLE>
<div>____________________</div><BR>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; width: 1%">(1)</TD>
    <TD STYLE="width: 99%">Based upon base salary at year end 2020.</TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B><I>Long-Term Incentives &ndash; Equity-Based
Awards</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company&rsquo;s
long-term incentive plan (&ldquo;LTIP&rdquo;) is designed to be performance-based, align executives with shareholder interest and
promote the long-term success of the Company. In March 2020, the Committee approved a target long-term incentive award (split evenly
between performance shares and time vested restricted stock)<B>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>2020 LTIP Mix&ndash;All
NEOs </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><IMG SRC="d384794x29x1.jpg" ALT="">&nbsp;</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>Time-vested restricted
stock</B>&nbsp;<B>unit</B> (RSU) awards have a target opportunity but can be granted based on the Compensation Committee&rsquo;s
assessment of business environment, affordability, and corporate and individual performance. The value of awards granted may vary
from 0% &ndash; 150% of target for that component, based on the Committee assessment. Once granted, restricted stock vests ratably
over a three-year period.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>Performance-based
restricted shares</B>&nbsp;(Performance shares) are granted at target and earned based on our three-year performance for the period
January 1, 2020 through December 31, 2022. The potential number of shares that can vest will range from 0% to 150% of the target
levels depending on our Core Return on Average Assets (Core ROA) performance relative to an industry index. Core ROA was determined
by the Compensation Committee to be an effective indicator of executives&rsquo; performance and ability to influence the profitability
of the Company. Strong ROA over time, particularly relative to industry competitors, enhances the Company&rsquo;s performance and
aligns with shareholder value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Industry Index
allows for relative comparison of the Company&rsquo;s performance to the performance of other banks of similar size/region during
the same time period. The Industry Index consists of banks in the Mid-Atlantic and Northeast Region with total assets between $2.5
billion and $12.5 billion, traded on the NASDAQ or NYSE exchanges.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Performance shares
vest after three years based on the Company&rsquo;s Core ROA performance relative to the Industry Index banks in accordance with
the payout scale below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 60%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 49%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>CNOB
    Ranking vs. Industry</B><BR>
    <B>Index</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 48%; border-bottom: black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>%
    of Performance Units Earned</B><BR>
    <B>(2020 &ndash; 2022)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">75<SUP>th&nbsp;</SUP>percentile and above</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">150%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">50<SUP>th&nbsp;</SUP>percentile</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">100%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap">40<SUP>th&nbsp;</SUP>percentile</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center">50%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">Below 40<SUP>th&nbsp;</SUP>percentile</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-left: 5pt; white-space: nowrap; text-align: center">0%</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0;  background-color: white"><b>Below is a summary of the 2020 grants.</b></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Performance shares
were issued in March 2020 at target, since vesting is dependent upon actual performance during the three-year period commencing
January 1, 2020 and ending December 31, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Restricted Stock
Units were granted in March 2020 based on the Compensation Committee&rsquo;s holistic reflection of 2019 Company and Individual
performance. Considerations in determining the award of restricted stock included continued strong profitability and low operating
efficiency ratio, and individual performance contributions that collectively resulted in a strong market positioning for the Company
going forward. Based on this assessment, the Committee approved grants at 150% of target.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Grants were approved
by the Committee as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"></P>
<div style="padding-left: 15pt">
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif; ">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>Performance Shares</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>Restricted Stock Units</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>Total</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Executive</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Target&nbsp;#&nbsp;Shares</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Grant&nbsp;Value</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B># Shares</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Grant&nbsp;Value</B></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Grant&nbsp;Value</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 48%; text-align: left">Frank Sorrentino III</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">38,301</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 4%; text-align: right">$412,502</TD><TD STYLE="width: 2%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">57,451</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</TD><TD STYLE="width: 2%; text-align: right">618,747</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 4%; text-align: right">$1,031,249</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">William S. Burns</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,978</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">129,003</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,967</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD><TD STYLE="text-align: right">193,505</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">322,508</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Elizabeth Magennis</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,699</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">125,998</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,549</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD><TD STYLE="text-align: right">189,003</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">315,001</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Christopher Ewing</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,446</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">112,503</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,669</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD><TD STYLE="text-align: right">168,755</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">281,259</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left">Michael McGrover</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,118</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">55,121</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,678</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD><TD STYLE="text-align: right">82,692</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">137,813</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE></div>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="text-indent: 15pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By policy, we do not pay current dividends or dividend equivalents
on unearned performance units or restricted stock units.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>2018 &ndash; 2020 Performance Share Vesting</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">Performance shares granted in the first quarter
of 2018 were designed to vest between 0% to 150% of target based on the Company&rsquo;s relative core return on assets compared
to an industry index (i.e., U.S. bank holding companies headquartered in the Northeast and Mid-Atlantic regions with total assets
between $2.0 billion and $10.0 billion as of year-end 2017). Based on data reported by S&amp;P Global for the period January 1,
2018 through December 31, 2020, the Company&rsquo;s actual core return on assets of 1.24% ranked at the 79<SUP>th</SUP> percentile
resulting in the vesting of 150% of the target performance shares.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; background-color: white"><B>Retirement
Benefits and Perquisites</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">One of the goals of the Company&rsquo;s compensation
program is to provide limited retirement benefits to our NEO&rsquo;s as an additional retention tool. The Company therefore entered
into Supplemental Executive Retirement Plans with each of its NEO&rsquo;s. The benefits under each plan differ based upon a number
of factors, including, among others, the participant&rsquo;s age, the reason for any separation from service, and whether the participant
has met the vesting requirements set forth in the plan at the time of any payment triggering event. In addition, Executives participate
in the ConnectOne Bank 401(k) Retirement Plan, which is offered to all Bank employees. As stated in the Executive Compensation
Objectives and Policies section, the Bank does not place emphasis on perquisites for NEOs, although a car allowance is provided
to this group to offset any and all automobile expenses (mileage, tolls, insurance, gas) incurred as part of their job duties.</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Employment Agreements </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company is party
to employment agreements with several executives. The following is a summary of those agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Mr. Sorrentino&rsquo;s Employment
Agreement</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The employment agreement
with Mr. Sorrentino has an initial three-year term, and will automatically renew for one additional year unless any party provides
written notice of its intention not to renew. Under the agreement, Mr. Sorrentino will receive an annual base salary of $735,000,
subject to increase as determined by the Board. He will also be eligible to participate in the Company&rsquo;s incentive plans
and other benefit plans for executive officers. Under the agreement, the Company or Bank will reimburse Mr. Sorrentino for his
reasonable business expenses, and provide him with a $1,250 monthly car allowance. In the event that Mr. Sorrentino&rsquo;s employment
is terminated without &ldquo;cause&rdquo; or he resigns for &ldquo;good cause&rdquo;, as such terms are defined in the employment
agreement, he is entitled to receive a lump sum cash payment equal to two and a half (2.5) times the sum of his current base salary
and target cash bonus; (ii) a prorated bonus for the year of termination and (iii) continued health and welfare benefits for up
to 18 months. If such a termination occurs within two years following a change in control (as defined in the employment agreement),
Mr. Sorrentino will receive: (i) a lump sum cash payment equal to three (3) times the sum of Mr. Sorrentino&rsquo;s current base
salary and target cash bonus; (ii) a prorated bonus for the year of termination based on actual performance and will be paid at
the time annual bonuses for such year are ordinarily paid, and (iii) continued health and welfare benefits for up to 18 months.
The severance benefits are subject to reduction in the event the benefits would constitute an &ldquo;excess parachute payment&rdquo;
under Section 280G of the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Mr. Burns&rsquo; Employment Agreement</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The employment agreement
with Mr. Burns has an initial three-year term, and will automatically renew for one additional year unless any party provides written
notice of its intention not to renew. Under the agreement, Mr. Burns will receive an annual base salary of $381,000, subject to
increase as determined by the Board. He will also be eligible to participate in the Company&rsquo;s incentive plans and other benefit
plans for executive officers. Under the agreement, the Company or Bank will reimburse Mr. Burns for his reasonable business expenses,
and provide him with a $750 monthly car allowance. In the event that Mr. Burns&rsquo; employment is terminated without &ldquo;cause&rdquo;
or he resigns for &ldquo;good cause&rdquo;,
as such terms are defined in the employment agreement, he is entitled to receive a lump sum cash payment equal to two and a half
(2.5) times the sum of his current base salary and target cash bonus; (ii) a prorated bonus for the year of termination and (iii)
continued health and welfare benefits for up to 18 months. If such a termination occurs within two years following a change in
control (as defined in the employment agreement), Mr. Burns will receive: (i) a lump sum cash payment equal to three (3) times
the sum of Mr. Burns&rsquo; current base salary and target cash bonus; (ii) a prorated bonus for the year of termination, based
on actual performance and will be paid at the time annual bonuses for such year are ordinarily paid and (iii) continued health
and welfare benefits for up to 18 months. The severance benefits are subject to reduction in the event the benefits would constitute
an &ldquo;excess parachute payment&rdquo; under Section 280G of the Internal Revenue Code of 1986, as amended.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Ms. Magennis&rsquo; Employment Agreement</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The employment agreement
with Ms. Magennis has an initial three-year term, and will automatically renew for one additional year unless any party provides
written notice of its intention not to renew. Under the agreement, Ms. Magennis will receive an annual base salary of $352,000,
subject to increase as determined by the Board. She will also be eligible to participate in the Company&rsquo;s incentive plans
and other benefit plans for executive officers. Under the agreement, the Company or Bank will reimburse Ms. Magennis for her reasonable
business expenses, and provide her with a $750 monthly car allowance. In the event that Ms. Magennis&rsquo; employment is terminated
without &ldquo;cause&rdquo; or she resigns for &ldquo;good cause&rdquo;, as such terms are defined in the employment agreement,
she is entitled to receive a lump sum cash payment equal to one and a half (1.5) times the sum of her current base salary and target
cash bonus; (ii) a prorated bonus for the year of termination and (iii) continued health and welfare benefits for up to 18 months.
If such a termination occurs within two years following a change in control (as defined in the employment agreement), Ms. Magennis
will receive: (i) a lump sum cash payment equal to two (2) times the sum of Ms. Magennis&rsquo; current base salary and target
cash bonus; (ii) a prorated bonus for the year of termination, based on actual performance</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">and will be paid at the time annual
bonuses for such year are ordinarily paid and (iii) continued health and welfare benefits for up to 18 months. The severance benefits
are subject to reduction in the event the benefits would constitute an &ldquo;excess parachute payment&rdquo; under Section 280G
of the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Mr. Ewing&rsquo;s Employment Agreement</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The employment agreement
with Mr. Ewing has an initial three-year term, and will automatically renew for one additional year unless any party provides written
notice of its intention not to renew. Under the agreement, Mr. Ewing will receive an annual base salary of $310,000, subject to
increase as determined by the Board. He will also be eligible to participate in the Company&rsquo;s incentive plans and other benefit
plans for executive officers. Under the agreement, the Company or Bank will reimburse Mr. Ewing for his reasonable business expenses,
and provide him with a $750 monthly car allowance. In the event that Mr. Ewing&rsquo;s employment is terminated without &ldquo;cause&rdquo;
or he resigns for &ldquo;good cause&rdquo;, as such terms are defined in the employment agreement, he is entitled to receive a
lump sum cash payment equal to three-fourths (0.75) times the sum of his current base salary and target cash bonus; (ii) a prorated
bonus for the year of termination and (iii) continued health and welfare benefits for up to 18 months. If such a termination occurs
within two years following a change in control (as defined in the employment agreement), Mr. Ewing will receive: (i) a lump sum
cash payment equal to one (1) times the sum of Mr. Ewing&rsquo;s current base salary and target cash bonus; (ii) a prorated bonus
for the year of termination based on actual performance and will be paid at the time annual bonuses for such year are ordinarily
paid and (iii) continued health and welfare benefits for up to 18 months. The severance benefits are subject to reduction in the
event the benefits would constitute an &ldquo;excess parachute payment&rdquo; under Section 280G of the Internal Revenue Code of
1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Roles &nbsp;&amp; Responsibilities</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Compensation Committee</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee of the Board of Directors is responsible for discharging the Board&rsquo;s duties in executive compensation matters and
for administering the Company&rsquo;s incentive and equity-based plans. This includes oversight of the total compensation
programs for the Company&rsquo;s CEO and other executive officers, including all Named Executive Officers. The Committee is comprised
solely of independent directors. The  Committee receives input and data from Finance and Human Resources functions as well as outside
consultants and advisors to provide external reference and perspective.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Committee reviews
all compensation components for the Company&rsquo;s Chief Executive Officer and other executive officers, including base salary,
annual incentive, long-term incentives/equity and other benefits and perquisites. The Committee reviews the Chief Executive Officer&rsquo;s
performance annually and makes decisions regarding the Named Executive Officers&rsquo; compensation, including base salary, incentives
and equity grants based on this review. The Compensation Committee reviews its decisions with the full Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Committee has
the sole authority and resources to obtain advice and assistance from internal or external legal, human resources, accounting or
other advisors, or consultants as it deems desirable or appropriate. The Committee has direct access to outside advisors and consultants
throughout the year as they relate to executive compensation. The Committee has direct access to and meets periodically with the
compensation consultant independently of management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Independent Compensation Consultant</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee retains Meridian Compensation Partners LLC as its compensation consultant. Meridian reports directly to the Committee
and performs no other work for the Company. The Consultant carries out its responsibilities to the Committee as requested by the
Committee. The Committee has reviewed and concluded that Meridian&rsquo;s consultation services comply with the standards adopted
by the SEC and by NASDAQ with respect to compensation advisor independence and conflicts of interest.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><I>Management</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Although the Committee
makes independent determinations on all matters related to compensation of the Named Executive Officers, certain members of management
may be requested to attend or provide input to the Committee. Input may be sought from the Chief Executive Officer, Chief Financial
Officer, or others to ensure the Committee has the information and perspective it needs to carry out its duties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">In particular, the
Committee seeks input from the Chief Executive Officer on matters relating to strategic objectives, Company performance goals and
input on his assessment of the Named Executive Officers, including contribution and individual performance of each of his direct
reports. The Chief Executive Officer and the Chief Financial Officer often assist the Committee on matters of design, administration
and operation of the Company&rsquo;s compensation programs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Although executives
may provide insight, suggestions or recommendations regarding executive compensation, they are not present during the Compensation
Committee&rsquo;s deliberations or vote. Only Compensation Committee members vote on decisions regarding executive compensation.
The Committee regularly meets in executive session without management present. While the Chief Executive Officer makes recommendations
on other Named Executive Officers, the Committee is ultimately responsible for approving compensation for all Named Executive Officers.
The Chief Executive Officer&rsquo;s compensation is discussed in executive session without members of management, including the
Chief Executive Officer, present.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Additional Information about Our
Compensation Practices</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">As a matter of sound
governance, we follow certain practices with respect to our compensation program. We regularly review and evaluate our compensation
practices in light of regulatory developments, market standards and other considerations.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Anti-Hedging Policy</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Our insider trading
policy prohibits the purchase or sale of puts, calls, options, or other derivative securities based on the Company&rsquo;s securities.
This prohibition also includes hedging or monetization transactions, such as forward sale contracts, in which the stockholder continues
to own the underlying security without all the risks or rewards of ownership.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Policy on Incentive Compensation
Clawback</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company has
a clawback policy requiring the return of incentive compensation in the event of a financial restatement. Specifically, if the
Company restates its financial statements, then, to the fullest extent permitted by law, the Company shall require each current
or former executive officer, to reimburse such compensation that would have been in excess of that which would have been paid based
to him or her upon the financial statements as so restated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Stock Ownership Guidelines</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee has a stock ownership policy that requires officers with the title Executive Vice President and above, together with
members of the Board, to own a significant amount of the Company&rsquo;s stock. Specific guidelines are:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD>
    <TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Six (6) times the then annual base salary for the Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three (3) times the then annual base salary for the Bank President and the Executive Vice President, Chief Financial Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Two (2) times the then annual base salary for other Executive Vice Presidents</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Directors are expected to achieve ownership equal to five (5) times the sum of (i) the then-current annual cash retainer and (ii) the then-current value of the annual equity award.</FONT></TD></TR>
</TABLE>

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    <!-- Field: /Page -->

<P STYLE="text-indent: 15pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The period to achieve compliance is five (5) years from the
later of (1) the day the individual become subject to the policy, or (2) the day of adoption of these guidelines, which was December
22, 2015. The Compensation Committee monitors ownership levels and compliance on an annual basis. Below is a summary of shares
that qualify for the ownership requirements described above (unexercised stock options and unvested performance shares are excluded):</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD>
    <TD STYLE="width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beneficially owned shares that the individual owns or has voting power over, including the power to vote (including restricted shares), or to direct the voting; and/or, investment power including the power to dispose or to direct the disposition.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">&#9679;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares owned by an individual in the Company&rsquo;s benefit plans (e.g., 401(k)).</FONT></TD></TR>
</TABLE><BR>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The following table provides each named executive
officer&rsquo;s compliance with the Stock Ownership Guidelines:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; width: 80%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Salary</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Required Ownership Guideline</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Requirement ($)</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Requirement in <BR>
Shares (1)</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Shares owned at 12/31/20</P>

</TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frank Sorrentino III</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$825,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6x</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$4,950,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 17pt; padding-left: 17pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">196,976</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; white-space: nowrap; padding-right: 6.5pt; padding-left: 6.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">778,426</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William S. Burns</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">430,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3x</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,290,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 17pt; padding-left: 17pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,333</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; white-space: nowrap; padding-right: 6.5pt; padding-left: 6.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">88,842</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Elizabeth Magennis</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">450,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3x</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,350,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 17pt; padding-left: 17pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,721</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; white-space: nowrap; padding-right: 6.5pt; padding-left: 6.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86,639</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Christopher Ewing</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">375,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2x</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">750,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 17pt; padding-left: 17pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,845</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; white-space: nowrap; padding-right: 6.5pt; padding-left: 6.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,471</FONT></TD></TR>
<TR STYLE="background-color: Silver">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Michael McGrover</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">315,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">n.a.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 10pt; padding-left: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 17pt; padding-left: 17pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; white-space: nowrap; padding-right: 6.5pt; padding-left: 6.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,220</FONT></TD></TR>
</TABLE>

<div>____________________</div><BR>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; width: 1%">(1)</TD>
    <TD STYLE="width: 99%">Based the Company&rsquo;s share price as of April 6, 2021.</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>Risk Assessment Review</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Committee reviews
the structure and components of our compensation arrangements, the material potential sources of risk in our business lines and
compensation arrangements, and various policies and practices of the Company that mitigate this risk. Within this framework, the
Committee discusses the parameters of acceptable and excessive risk-taking and the general business goals and concerns of the Company.
In particular, the Committee focuses on the risks associated with the design of each plan, the mitigation factors that exist for
each plan, additional factors that could be considered and an overall risk assessment with respect to the plans. All of our plans
have links to corporate or business line results that allow for funding to be adjusted downward, awards are capped, and our governance
procedures ensure awards are reviewed for appropriateness before they are distributed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We have determined
our executive and employee incentive compensation plans are not reasonably likely to have a material adverse effect on the Company.
Further, it is both the Committee&rsquo;s and management&rsquo;s intent to continue to evolve our processes going forward by monitoring
regulations and best practices for sound incentive compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Accounting &nbsp;&amp; Tax Treatment of
Compensation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The accounting and
tax treatment of compensation generally has not been a factor in determining the amounts of compensation for our executive officers.
However, the Compensation Committee and management have considered the accounting and tax impact of various program designs to
balance the potential cost to the Company with the benefit to the executive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Section 162(m) of
the Internal Revenue Code generally disallows a tax deduction to public companies for annual non-performance based compensation
over $1.0 million paid to their named executive officers. In December 2017, the Tax Cuts and Jobs Act was enacted. Under the Tax
Cuts and Jobs Act, the qualified performance-based compensation exception to Section 162(m) that generally provided for the continued
deductibility of performance-based compensation was repealed, effective for tax years commencing on or after January 1, 2018. Accordingly,
commencing with our fiscal year ended December 31, 2018, compensation to our NEOs in excess of $1,000,000 not awarded prior to
November 2, 2017, will generally not be deductible. The Committee will continue to evaluate the impact of the elimination of the
performance-based exemption on its compensation programs. The Committee may award compensation in the future that is not fully
deductible under Section 162(m) if the Committee believes that such compensation will help the Company achieve its business objectives
and serve the best interests of its shareholders.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Report of the Compensation Committee</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Compensation
Committee has reviewed and discussed the Compensation Discussion and Analysis, or CD&amp;A, contained in this proxy statement with
management. Based on the Compensation Committee&rsquo;s review of and discussion with management with respect to the CD&amp;A,
the Compensation Committee has recommended to the Board of Directors of the Company that the CD&amp;A be included in this proxy
statement and the Company&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2020, for filing with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The foregoing report
is provided by the Compensation Committee of the Board of Directors:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">Stephen T. Boswell
(Chair)<BR>
Kathern Nukk-Freeman<BR>
William A. Thompson
</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">The following table sets forth for the prior
three years the compensation paid to (a) the Company&rsquo;s Chief Executive Officer and Chief Financial Officer and our three
other most highly compensated executive officers earning in excess of $100,000 serving as of the fiscal year ended December 31,
2020, (collectively the &ldquo;Named Executive Officers&rdquo;):</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0pt 0; color: Red"></P>

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   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">in pension</FONT></B></TD>

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   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">value and</FONT></B></TD>

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   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">non-qualified</FONT></B></TD>

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   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">deferred</FONT></B></TD>

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<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

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   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

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   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">Stock</FONT></B></FONT></B></TD>

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   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">Option</FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">incentive plan</FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">compensation</FONT></B></FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">All other</FONT></B></FONT></B></FONT></B></TD>

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<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">Salary</FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Bonus</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Awards (1)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Awards</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">compensation</FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">earnings</FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">compensation (2)</FONT></B></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">Total</FONT></B></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Name and Principal Position</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Year</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

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   <TD COLSPAN="4" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

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   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(a)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(b)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(c)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(d)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(e)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(f)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(g)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(h)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(i)</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">(j)</FONT></B></TD></TR>










<TR vAlign=bottom>

   <TD STYLE="width: 64%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman">Frank Sorrentino III,</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman">2020</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">825,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">1,031,249</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">773,438</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">185,691</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">33,015</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">2,848,394</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Chairman &amp; Chief</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2019</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">800,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">849,999</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">780,000</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">125,191</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">32,597</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">2,587,787</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Executive Officer</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2018</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">800,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">749,986</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">540,000</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">26,815</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">2,116,801</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">William S. Burns, </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">2020</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">430,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">322,508</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">268,750</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">122,343</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">28,782</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">1,172,383</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Executive Vice President &amp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">2019</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">420,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">262,515</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">315,000</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">86,908</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">28,073</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">1,112,496</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Chief Financial Officer</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">2018</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">411,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">205,499</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">221,940</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">20,830</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">859,269</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman">Elizabeth Magennis,</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2020</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">422,500</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">315,001</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">281,250</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">32,898</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">25,178</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">1,076,827</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Executive Vice President &amp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2019</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">400,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">250,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">300,000</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">19,330</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">24,916</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">994,246</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Bank President</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2018</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">385,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">192,489</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">207,900</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">18,062</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">803,451</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Chris Ewing,</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">2020</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">375,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">281,259</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">225,000</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">94,333</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">28,782</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">1,004,374</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Executive Vice President &amp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">2019</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">360,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">225,010</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">270,000</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">64,404</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">26,597</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">946,011</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Chief Operations Officer</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman">2018</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">340,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">170,011</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">183,600</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">19,894</FONT></TD>

    <TD></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">713,505</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman">Michael McGover,</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2020</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">315,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">137,813</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">104,738</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">45,088</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">24,620</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">627,259</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">First Senior Vice President &amp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2019</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">305,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">133,430</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">160,125</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">31,556</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">24,808</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">654,919</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face="Times New Roman">Chief Credit Officer</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: center; background-color: Silver"><FONT size=1 face="Times New Roman">2018</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">295,000</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">110,603</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">119,475</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">&#8212;</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">17,328</FONT></TD>

    <TD STYLE="background-color: Silver"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face="Times New Roman">542,406</FONT></TD></TR></TABLE>


<div>____________________</div><BR>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%">(1)</TD><TD STYLE="width: 99%">Stock awards
                                         reported in 2020 reflect the grant date fair value of restricted stock units awards and
                                         performance units awards under Accounting Standards Codification Topic No. 718, Compensation-Stock
                                         Compensation (&ldquo;ASC Topic 718&rdquo;) granted by the Compensation Committee under
                                         the Equity Incentive Plan, which permits the Compensation Committee to determine to pay
                                         awards, in whole or in part, in the form of grants of stock-based awards under the Long-Term
                                         Stock Incentive Plan. Restricted stock units awards are time-based, while the performance
                                         units awards are performance-based.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 18pt; background-color: white"><B><U>Time-based
restricted stock units awards</U></B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt; background-color: white">The value of the time-based
restricted stock units awards reported in column (e) for each of our Named Executive Officers&rsquo; were as follows:</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; background-color: white">&nbsp;</P>
<div style="padding-left: 18pt">
<TABLE style="WIDTH: 100%" cellSpacing=0 border=0 >



<TR >

   <TD width="95%"></TD>

   <TD width="1%" align=center></TD>

   <TD width="1%" align=center></TD>

   <TD width="2%" align=center></TD>

   <TD width="1%" align=center></TD></TR>

<TR vAlign=bottom>

   <TD width="95%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=serif>Value of Restricted</FONT></B> <B><FONT size=1 face=serif></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="95%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=serif>Stock Unit Awards</FONT></B> <B><FONT size=1 face=serif></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=serif>Name</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="3" STYLE="width: 4%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=serif>Issued in 2020 (a)</FONT></B> <B><FONT size=1 face=serif></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><FONT size=2 face=serif>Frank Sorrentino III </FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=serif>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=serif>618,747</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="95%" noWrap align=left><FONT size=2 face=serif>William S. Burns </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right>&nbsp;</TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=serif>193,505</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=serif></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><FONT size=2 face=serif>Elizabeth Magennis </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right>&nbsp;</TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=serif>189,003</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=serif></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="95%" noWrap align=left><FONT size=2 face=serif>Christopher Ewing </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right>&nbsp;</TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=serif>168,755</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=serif></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><FONT size=2 face=serif>Michael McGrover </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right>&nbsp;</TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=serif>82,692</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=serif></FONT></TD></TR></TABLE>

<BR>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%"><FONT STYLE="font-size: 10pt">(a)</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-size: 10pt">These values are based on probable outcome values of awards. Restrictions on time-based restricted
stock units awards lapse at the rate of one-third each year over a three-year period. </FONT></TD></TR></TABLE></div>

<!-- Field: Page; Sequence: 36; Value: 1 -->
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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 18pt; background-color: white"><B><U>Performance
units awards</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18pt">Restrictions on performance-based awards lapse based
on achievement of the performance goals set forth in the awards agreement based on performance as compared to peer groups. The
following tables details the value of the performance units award at the time they were granted, assuming a probable outcome regarding
performance, and the value assuming the maximum achievement of performance goals</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt"></P>

<div style="padding-left: 18pt">
<TABLE style="WIDTH: 80%" cellSpacing=0 border=0 >



<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Target Value at Grant Date</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Maximum Value at Grant Date</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">412,502</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">618,753</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="90%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">129,003</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">193,505</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">125,998</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">188,997</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="90%" noWrap align=left><FONT size=2 face="Times New Roman">Christopher Ewing </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">112,503</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">168,755</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face="Times New Roman">Michael McGrover </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">55,121</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">82,681</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR></TABLE></div>


<BR>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 8pt; width: 1%"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="width: 99%"><FONT STYLE="font-size: 10pt">Mr. Sorrentino&rsquo;s total includes a $15,000 annual car allowance for 2018, 2019 and 2020</FONT><FONT STYLE="font-size: 10pt">.
</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>POST-TERMINATION BENEFITS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Employment Agreements</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Company and
the Bank are parties to employment agreements with Messrs. Frank Sorrentino III, our Chairman, Chief Executive Officer, and President,
William S. Burns our Executive Vice President and Chief Financial Officer, Christopher Ewing, our Executive Vice President and
Chief Operations Officer, and Ms. Elizabeth Magennis, our Bank President. Each of these agreements include provisions with respect
to post-termination benefits, as described below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">In the event that Mr. Sorrentino&rsquo;s
employment is terminated without &ldquo;cause&rdquo; or he resigns for &ldquo;good cause&rdquo;, as such terms are defined in the
employment agreement, he is entitled to receive a lump sum cash payment equal to two and a half (2.5) times the sum of his current
base salary and target cash bonus; (ii) a prorated bonus for the year of termination and (iii) continued health and welfare benefits
for up to 18 months. If such a termination occurs within two years following a change in control (as defined in the employment
agreement), Mr. Sorrentino will receive: (i) a lump sum cash payment equal to three (3) times the sum of Mr. Sorrentino&rsquo;s
current base salary and target cash bonus; (ii) a prorated bonus for the year of termination based on actual performance and will
be paid at the time annual bonuses for such year are ordinarily paid, and (iii) continued health and welfare benefits for up to
18 months. The severance benefits are subject to reduction in the event the benefits would constitute an &ldquo;excess parachute
payment&rdquo; under Section 280G of the Internal Revenue Code of 1986, as amended. The following table summarizes potential payments
to Mr. Sorrentino assuming a triggering termination of employment occurred on December 31, 2020, and calculated based on actual
performance meeting targeted objectives. The table does not reflect benefits under plans that do not discriminate in favor of executive
officers and are available generally to all salaried employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; width: 100%">



<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="3" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Change in</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">following a Change in</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Control</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Cash Compensation </FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">4,228,125</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">4,950,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare Benefits </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">26,273</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">26,273</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Acceleration of Stock Awards </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">2,636,912</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">2,636,912</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to Supplemental</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Executive Retirement Plan </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">916,366</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">*</FONT></TD></TR></TABLE>
<div>____________________</div><BR>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; white-space: nowrap; text-align: left; width: 1%">*</TD>
    <TD STYLE="width: 99%">Pursuant to the Supplemental Executive Retirement Plan, Mr.
Sorrentino&rsquo;s benefit will accelerate upon a change of control if followed by a separation of service within 2 years of the
date thereof, irrespective of whether it was a termination &ldquo;without cause&rdquo; or a resignation for &ldquo;good reason.&rdquo;</TD></TR>
</TABLE>



<!-- Field: Page; Sequence: 37; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times new roman, Helvetica, Sans-Serif"><TR><TD STYLE="text-align: center; width: 100%"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->32<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><page></page></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">In the event that Mr.
Burns&rsquo; employment is terminated without &ldquo;cause&rdquo; or he resigns for &ldquo;good cause&rdquo;, as such terms are
defined in the employment agreement, he is entitled to receive a lump sum cash payment equal to two and a half (2.5) times the
sum of his current base salary and target cash bonus; (ii) a prorated target bonus for the year of termination and (iii) continued
health and welfare benefits for up to 18 months. If such a termination occurs within two years following a change in control (as
defined in the employment agreement), Mr. Burns will receive: (i) a lump sum cash payment equal to three (3) times the sum of Mr.
Burns&rsquo; current base salary and target cash bonus; (ii) a prorated bonus for the year of termination based on actual performance
and will be paid at the time annual bonuses for such year are ordinarily paid and (iii) continued health and welfare benefits for
up to 18 months. The severance benefits are subject to reduction in the event the benefits would constitute an &ldquo;excess parachute
payment&rdquo; under Section 280G of the Internal Revenue Code of 1986, as amended. The following table summarizes potential payments
to Mr. Burns assuming a triggering termination of employment occurred on December 31, 2020, and calculated based on actual performance
meeting targeted objectives. The table does not reflect benefits under plans that do not discriminate in favor of executive officers
and are available generally to all salaried employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>


<TABLE style="WIDTH: 100%" cellSpacing=0 border=0 >



<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" colSpan=3 align=center><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face="Times New Roman">Change in</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">following a Change in</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Control</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="89%" noWrap align=left><FONT size=2 face="Times New Roman">Cash Compensation </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">1,827,500</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">2,150,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="89%" noWrap align=left><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare Benefits </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">33,928</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">33,928</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="89%" noWrap align=left><FONT size=2 face="Times New Roman">Acceleration of Stock Awards </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">818,468</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">818,468</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="89%" noWrap align=left><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to Supplemental</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face="Times New Roman">Executive Retirement Plan </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">347,245</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">*&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE>
<div>____________________</div><BR>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; white-space: nowrap; text-align: left; width: 1%">*</TD>
    <TD STYLE="width: 99%">Pursuant to the Supplemental Executive Retirement Plan, Mr.
Burns&rsquo; benefit will accelerate upon a change of control if followed by a separation of service within 2 years of the date
thereof, irrespective of whether it was a termination &ldquo;without cause&rdquo; or a resignation for &ldquo;good reason.&rdquo;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">In the event that
Ms. Magennis&rsquo; employment is terminated without &ldquo;cause&rdquo; or she resigns for &ldquo;good cause&rdquo;, as such terms
are defined in the employment agreement, she is entitled to receive a lump sum cash payment equal to one and a half (1.5) times the sum
of her current base salary and target cash bonus; (ii) a prorated bonus for the year of termination and (iii) continued health
and welfare benefits for up to 18 months. If such a termination occurs within two years following a change in control (as defined
in the employment agreement), Ms. Magennis will receive: (i) a lump sum cash payment equal to two (2) times the sum of Ms. Magennis&rsquo;
current base salary and target cash bonus; (ii) a prorated bonus for the year of termination based on actual performance and will
be paid at the time annual bonuses for such year are ordinarily paid and (iii) continued health and welfare benefits for up to
18 months. The severance benefits are subject to reduction in the event the benefits would constitute an &ldquo;excess parachute
payment&rdquo; under Section 280G of the Internal Revenue Code of 1986, as amended. The following table summarizes potential payments
to Ms. Magennis assuming a triggering termination of employment occurred on December 31, 2020, and calculated based on actual performance
meeting targeted objectives. The table does not reflect benefits under plans that do not discriminate in favor of executive officers
and are available generally to all salaried employees.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom style="line-height:normal">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face="Times New Roman">Change in</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">following a Change in</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Control</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face="Times New Roman">Cash Compensation </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">1,237,500</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">1,575,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare Benefits </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">13,893</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">13,893</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face="Times New Roman">Acceleration of Stock Awards </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">793,500</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">793,500</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to Supplemental</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face="Times New Roman">Executive Retirement Plan </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">342,766</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">*&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE>
<div>____________________</div><BR>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; white-space: nowrap; text-align: left; width: 1%">*</TD>
    <TD STYLE="width: 99%">Pursuant to the Supplemental Executive Retirement Plan, Ms.
Magennis&rsquo; benefit will accelerate upon a change of control if followed by a separation of service within 2 years of the date
thereof, irrespective of whether it was a termination &ldquo;without cause&rdquo; or a resignation for &ldquo;good reason.&rdquo;</TD></TR>
</TABLE>


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    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">In the event that Mr.
Ewing&rsquo;s employment is terminated without &ldquo;cause&rdquo; or he resigns for &ldquo;good cause&rdquo;, as such terms are
defined in the employment agreement, he is entitled to receive a lump sum cash payment equal to three-fourths (0.75) times the
sum of his current base salary and target cash bonus; (ii) a prorated bonus for the year of termination and (iii) continued health
and welfare benefits for up to 18 months. If such a termination occurs within two years following a change in control (as defined
in the employment agreement), Mr. Ewing will receive: (i) a lump sum cash payment equal to one (1) times the sum of Mr. Ewing&rsquo;s
current base salary and target cash bonus; (ii) a prorated bonus for the year of termination based on actual performance and will
be paid at the time annual bonuses for such year are ordinarily paid and (iii) continued health and welfare benefits for up to
18 months. The severance benefits are subject to reduction in the event the benefits would constitute an &ldquo;excess parachute
payment&rdquo; under Section 280G of the Internal Revenue Code of 1986, as amended. The following table summarizes potential payments
to Mr. Ewing assuming a triggering termination of employment occurred on December 31, 2020, and calculated based on actual performance
meeting targeted objectives. The table does not reflect benefits under plans that do not discriminate in favor of executive officers
and are available generally to all salaried employees.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom style="line-height:normal">

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Involuntary</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Termination without</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Cause or Resignation</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face="Times New Roman">Change in</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">following a Change in</FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="width: 86%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="3" STYLE="width: 4%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">for Good Reason</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Control</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="3" STYLE="width: 4%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Cash Compensation </FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD WIDTH="2%" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><FONT size=2 face="Times New Roman">609,375</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">750,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare Benefits </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">35,350</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">35,350</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Acceleration of Stock Awards </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">709,630</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">709,630</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to Supplemental</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face="Times New Roman">Executive Retirement Plan </FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">316,188</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE>


<div>____________________</div><BR>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; white-space: nowrap; text-align: left; width: 1%">*</TD>
    <TD STYLE="width: 99%">Pursuant to the Supplemental Executive Retirement Plan, Mr.
Ewing&rsquo;s benefit will accelerate upon a change of control if followed by a separation of service within 2 years of the date
thereof, irrespective of whether it was a termination &ldquo;without cause&rdquo; or a resignation for &ldquo;good reason.&rdquo;</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">In addition, the Registrant is also a party
to a Supplemental Executive Retirement Plan with Michael McGrover, its First Senior Vice President &nbsp;&amp; Chief Credit Officer.
Pursuant thereto, Mr. McGrover&rsquo;s benefit will accelerate upon a change of control if followed by a separation of service
within 2 years of the date thereof. The potential payment to Mr. McGrover, assuming a triggering separation of employment following
a change of control occurred on December 31, 2020 is $127,189.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>CEO PAY RATIO</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Frank Sorrentino
III, our Chairman and Chief Executive Officer, had fiscal 2020 total compensation of $2,848,394, as reflected in the Summary Compensation
Table above. We estimate that the median annual compensation for all Company employees, excluding Mr. Sorrentino, was $70,167 for
2020, based on a median total cash compensation as of December 31, 2020. As a result, Mr.&nbsp;Sorrentino&rsquo;s 2020 annual compensation
was approximately 40.6 times that of the median annual compensation for all employees.</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Grants of Plan-Based Awards</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The following table
represents the grants of awards to the Named Executive Officers in 2020:</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0pt 0; color: Red"></P>

<TABLE  cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">All other</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">All other</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">stock awards:</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Grant date</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" colSpan=5 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Estimated future payouts</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" colSpan=9 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Estimated future payouts</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">stock awards:</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Exercise or</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">fair value</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" colSpan=5 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">under non-equity incentive</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" colSpan=9 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">under equity incentive</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Number of</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">securities</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">base price</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">of stock</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD COLSPAN="5" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">plan awards</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD COLSPAN="9" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">plan awards</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">shares of</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">underlying</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">of option</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">and option</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Grant
</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Threshold</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Target</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Maximum</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Threshold</FONT></B></FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Target</FONT></B></FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Maximum</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">stock or units</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">options</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">awards</FONT></B></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">awards</FONT></B></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Name</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">Date</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(#)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(#)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(#)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(#)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">($/share)</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">&nbsp; </FONT></B></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(#)</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 100%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(a)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(b)</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(c)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(d)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(e)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(f)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(g)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(h)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(i)</FONT></B> <B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(j)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt"></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(k)</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman" style="letter-spacing: -0.1pt">(l)</FONT></B></TD></TR>









<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">3/20/2020</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">19,151</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">38,301</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">57,452</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">57,451</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">1,031,249</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">3/20/2020</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">5,989</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">11,978</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">17,967</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">17,967</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">322,508</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">3/20/2020</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">5,850</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">11,699</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">17,549</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">17,549</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">315,001</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">3/20/2020</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">5,223</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">10,446</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">15,669</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">15,669</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">281,259</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Michael McGrover</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">3/20/2020</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">2,559</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">5,118</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">7,677</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">7,678</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">137,813</FONT></TD></TR></TABLE>


<P STYLE="font: 9pt Sans-Serif; margin: 0pt 0; color: Red"></P>

<P STYLE="font: 9pt Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Outstanding Equity Awards at Fiscal Year-End</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The following table
sets forth, for each of the Named Executive Officers, information regarding outstanding stock options and stock awards as of December
31, 2020:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"></P>

<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="11" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Option Awards</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="11" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Stock Awards</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Equity</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">Equity</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Equity</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">incentive</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">incentive</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">incentive</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">plan awards:</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Market</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">plan awards:</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">plan awards:</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">value of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">market or</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom style="line-height:normal">

   <TD STYLE="width: 100%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">securities</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">securities</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">securities</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">shares or</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">unearned</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="3" STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">payout value</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">underlying</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">underlying</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">underlying</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">shares or units</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">units of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">shares, units</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">of unearned</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">unexercised</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">unexercised</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">unexercised</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Option</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Option</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">of stock that</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">stock that</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">or other rights</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">shares, units or</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">options (#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">options (#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">unearned</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">exercise</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">expiration</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">have not</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">have not</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">that have not</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">other rights that</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">exerciseable</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">un-exerciseable</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">options</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">price</FONT></B></FONT></B> <B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">date</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">vested</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">vested</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">vested</FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">have not vested</FONT></B></FONT></B> <B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 100%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(a)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(b)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(c)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(d)</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="3" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(e)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(f)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(g)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(h)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(i)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(j)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">147,598</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">2,920,968</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">45,291</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">896,302</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">43,780</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">866,406</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Christopher Ewing </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">39,112</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">774,017</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Michael McGrover </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">20,753</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">410,692</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR></TABLE>


<!-- Field: Page; Sequence: 41; Value: 1 -->
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Options Exercised and Stock Vested</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The following table
sets forth certain information regarding exercises of options or vesting of restricted shares during the Company&rsquo;s fiscal
year ended December 31, 2020 by our Named Executive Officers:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"></P>

<TABLE style="BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">Option awards</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">&nbsp;&nbsp; </FONT></B></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">Stock awards</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">Number of</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">shares</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Value</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">shares</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Value</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">acquired</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">realized</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">acquired</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">realized</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">on exercise</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">on exercise</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">on vesting</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">on vesting</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=center><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(#)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(#)</FONT></B> <B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman"></FONT></B></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"><B><FONT size=1 face="Times New Roman">&nbsp; </FONT></B></FONT></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(a)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(b)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(c)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman"></FONT></B><B><FONT size=1 face="Times New Roman">(d)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(e)</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="84%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">24,567</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp; $</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">354,251</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">36,183</FONT></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">413,571</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="84%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">10,255</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">116,985</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="84%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">9,566</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">109,141</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="84%" noWrap align=left><FONT size=2 face="Times New Roman">Chris Ewing </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">8,473</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">96,654</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="84%" noWrap align=left><FONT size=2 face="Times New Roman">Michael McGrover </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">5,479</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">62,538</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR></TABLE>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><B>Supplemental Executive Retirement Plan</B></I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; background-color: white; color: #212529">Each
of the Company&rsquo;s named executive officers are parties to a Supplemental Executive Retirement Plan Agreement and a Split Dollar
Life Insurance Agreement. Subject to its terms and conditions, each Supplemental Executive Retirement Plan agreement is an unfunded
promise intended to provide each of the participants with certain supplemental benefits upon retirement, or if earlier, upon his
or her separation from service for certain qualifying terminations of employment. The amount and timing of payment of the supplemental
retirement benefits vary based on a number of factors, including, among others, the participant&rsquo;s age, the reason for any
separation from service, and whether the participant has met the vesting requirements set forth in the agreement at the time of
any payment triggering event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; background-color: white; color: #212529">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; background-color: white; color: #212529">The
benefit amount payable to each Participant is a certain percentage of the Executive&rsquo;s final salary, as defined in the Plan,
exclusive of bonus, incentive compensation, and benefits as of the date of the termination of employment), as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt; background-color: white; color: #212529">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 96%; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt; color: #212529"><B>Participant</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 3%; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt; color: #212529"><B>Final Salary Percentage</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">Frank Sorrentino III</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-left: 8pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">25%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">William S. Burns</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">20</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">Elizabeth Magennis</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">20</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">Christopher Ewing</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">20</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">Michael McGrover</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #212529">10</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: #212529">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: #212529"><I>Split Dollar Life
Insurance Agreement</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: #212529">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white; color: #212529">Pursuant
to each of the Split Dollar Life Insurance Agreements, each named executive officer&rsquo;s designated beneficiary will be entitled
to share in the death proceeds payable under a life insurance policy owned by the Bank in the event of the participant&rsquo;s
death while the Agreement remains in effect. The amounts payable to the participants&rsquo; beneficiaries vary among the participants,
and the age at which a participant dies.</P>
<!-- Field: Page; Sequence: 42; Value: 1 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><page></page></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white; color: #212529">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The following table
sets forth certain information regarding nonqualified deferred compensation benefits to the Named Executive Officer of the Company
during the Company&rsquo;s fiscal year ended December 31, 2020:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="13" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Nonqualified Deferred Compensation</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Executive</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Registrant</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Aggregate</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Aggregate</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">Aggregate</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">contributions in</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">contributions</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">earnings in</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">withdrawals/</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">balance at last</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">2020</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">in 2020</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">2020</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">distributions</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">2020</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 86%; white-space: nowrap; text-align: center"><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 86%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(a)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(b)</FONT></B></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="3" STYLE="width: 4%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(c)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(d)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(e)</FONT></B></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="3" STYLE="width: 4%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(f)</FONT></B> <B><FONT size=1 face="Times New Roman"></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">185,691</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">310,882</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">122,343</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">209,251</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">32,898</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">52,228</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Chris Ewing </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">94,333</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">158,737</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Michael McGrover </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">45,088</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">&#8212;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">76,644</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The following table
sets forth certain information regarding compensation earned by or paid to the Directors during the Company&rsquo;s fiscal year
ended December 31, 2020:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>


<P STYLE="font: 9pt Sans-Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt; background-color: white; color: Red"></P>

<TABLE style="BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">&nbsp;&nbsp; </FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Change in</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">pension</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">value and</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">nonqualified</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Non-equity</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">deferred</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Fees earned or</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Stock</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Options</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">incentive plan</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">compensation</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">All other</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">paid in cash</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Awards</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">awards</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">compensation</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">earnings</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">compensation</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=center><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman"></FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face="Times New Roman">($)</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(a)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(b)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(c)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(d)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(e)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(f)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(g)</FONT></B></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">(h)</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Frank W. Baier </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">91,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">154,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Stephen T. Boswell </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">97,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">160,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Huttle III</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">61,500</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">125,258</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Michael Kempner </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">108,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Nicolas Minoia </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">91,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">154,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Joseph Parisi Jr.</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">108,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">William A. Thompson </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">52,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">115,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Daniel Rifkin </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">49,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">112,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Alexander Bol </FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">66,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">129,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Katherin Nukk-Freeman</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">52,000</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">115,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face="Times New Roman">Mark Sokolich</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">33,750</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=2 face="Times New Roman">63,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">97,508</FONT></TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We pay the non-employee
members of the Company&rsquo;s Board an annual fee of $45,000. Board members serving on committees also receive $1,000. Committee
Chairs also receive an additional stipend for this service in this role. Our Directors are also eligible to participate in our
equity compensation plans. Each board member was awarded 4,379 restricted shares subject to forfeiture in 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Interest of Management and Others in Certain Transactions;
Review, Approval or Ratification of Transactions with Related Persons</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Under its charter,
the Audit and Risk Committee reviews and approves all related party transactions, other than extensions of credit by the Bank in
the ordinary course of its business. Under banking regulation, those extensions of credit must be approved by the full Board of
Directors. For additional procedures, see the Audit and Risk Committee charter, which is available to shareholders on the Company&rsquo;s
website at&nbsp;<I>www.connectonebank.com</I>&nbsp;under &ldquo;For Shareholders&rdquo; and then under &ldquo;Documents and Notifications.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">By &ldquo;related
party transaction,&rdquo; we mean a transaction between the Company or any of its subsidiaries, on the one hand, and an executive
officer, director or immediate family member of an executive officer or a director, on the other hand.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Bank has made
in the past and, assuming continued satisfaction of generally applicable credit standards, expects to continue to make loans to
directors, executive officers and their associates (i.e. corporations or organizations for which they serve as officers or directors
or in which they have beneficial ownership interests of ten percent or more). These loans have all been made in the ordinary course
of the Bank&rsquo;s business on substantially the same terms, including interest rates and collateral, as those prevailing at the
time for comparable transactions with persons not affiliated with the Company and do not involve more than the normal risk of collectability
or present other unfavorable features.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We utilize the MWW
Group to provide advertising and public relations assistance and advice. Michael Kempner, one of our directors, is the President
and CEO of the MWW Group, Inc. During 2020, we paid the MWW Group a total of $186,593 for its services, including marketing, branding
and related services. We believe the fees charged the Bank by the MWW Group are at least as favorable to the Bank as we could receive
from an unaffiliated third party. We have continued to use the services of the MWW Group during 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">We utilize Otterstedt
Insurance Agency (&ldquo;Otterstedt&rdquo;), of which one of our directors Joseph Parisi, Jr. serves as Chairman of the Board and
CEO. During 2020, we paid Otterstedt a total of $231,932 in commissions attributable to Otterstedt. We believe the commissions
charged the Bank by Otterstedt are at least as favorable to the Bank as we could receive from an unaffiliated third party. We have
continued to use Otterstedt during 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Members of our Board
of Directors, including our Chairman and CEO Frank Sorrentino III and Messrs. Boswell, Huttle, Kempner and Parisi, are, either
directly or through their interests in family limited liability companies, members of a limited liability company that is the sole
member of two other limited liability companies which each own one of our branch locations, each of which are leased by the Bank.
Our Board members collectively own 55.5% of the membership interests in this limited liability company. Each of Messrs. Sorrentino,
Huttle, Parisi, and Kempner owns an 11.1% interest in the limited liability company. No director is the managing member or a manager
or officer or any of the limited liability companies which serve as the landlords or the parent limited liability company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The lease for our
Cresskill branch has an initial term ending on June 30, 2026. The Bank has the option to extend the lease term for up to three
additional five-year periods, or a total of fifteen additional years. The initial rent for the branch was $157,795 per year, and
the rent will increase annually by the greater of 2.50% or the rate of increase of the consumer price index for the greater New
York metropolitan area. In 2020, the rent was reset to $18,617 which was equal to the greater of the prior year&rsquo;s rent, or
the &ldquo;market rent&rdquo; as defined under the lease, and will thereafter increase annually by the greater of 2.50% or the
rate of increase of the consumer price index for the greater New York metropolitan area.
During any option period, the rent will be reset to the greater of the prior year&rsquo;s rent or the &ldquo;market rent&rdquo;,
as defined in the lease, and will then increase annually by the greater of 2.50% or the rate of increase of the consumer price
index for the greater New York metropolitan area. For 2020, the Bank paid total rent of $223,403 for the Cresskill branch.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The lease for our
John Street, Hackensack branch has a term ending on December 31, 2021. The Bank has the option to extend the lease term for up
to two additional five-year periods, or a total of ten additional years. The initial rent for the branch was $148,000 per year,
and the rent will increase annually by the greater of 2.50% or the rate of increase of the consumer price index for the greater
New York metropolitan area. During any option period, the rent will be reset to the greater of the prior year&rsquo;s rent or the
&ldquo;market rent&rdquo;, as defined in the lease, and will then increase annually by the greater of 2.50% or the rate of increase
of the consumer price index for the greater New York metropolitan area. For 2020, the Bank paid total rent of $246,207 for the
John Street, Hackensack branch.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Nicholas Minoia,
a member of our Board of Directors is a member of a limited liability company which owns our Summit, New Jersey branch. Mr. Minoia
owns approximately 50% of the membership interests in this limited liability company, and serves as its manager. The lease for
the Summit branch has a term ending on February 1, 2024. The Bank has the option to extend the lease term for up to three additional
five-year periods, or a total of fifteen additional years. The initial rent for the branch was $81,000 per year, and the rent will
increase as set forth in the lease. During any option period, the rent will be as per the amounts set forth in the lease. For 2020,
the Bank paid total rent of $138,123 for the Summit, New Jersey branch.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Daniel Rifkin, a
member of our Board of Directors, is a member of a limited liability company which owns the Bardonia branch. Mr. Rifkin owns approximately
50% of the membership interests in this limited liability company, and does not serve as its managing member. The lease for the
Bardonia branch has a term ending on August 31, 2028.</P>

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    <!-- Field: /Page -->
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">The Bank has the option to extend the lease term for one additional five-year
period. The rent paid by the Bank in 2020 was $259,676, and will increase three (3%) percent yearly, including any extension terms.
In the event that the Bank exercises the option to terminate occupancy rights to the second floor office space, the rent will be
adjusted as set forth in the lease.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Mr. Rifkin, is also
a member of a separate limited liability company which owns the Blauvelt branch. Mr. Rifkin owns approximately 50% of the membership
interests in this limited liability company, and does not serve as its managing member. The lease for the Blauvelt branch has a
term ending on February 28, 2028. The rent paid by the Bank in 2020 was $109,752 with increases as set forth in the lease.</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>PROPOSAL 2<BR>
APPROVAL, ON AN ADVISORY BASIS, OF COMPENSATION OF THE COMPANY&rsquo;S<BR>
EXECUTIVE OFFICERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Under Section 951
of the Dodd-Frank Wall Street Reform and Consumer Protection Act, companies with securities registered with the Securities and
Exchange Commission under the Exchange Act are required to provide shareholders the opportunity to vote on a non-binding advisory
proposal to approve the compensation of executives. The Company has determined to implement this requirement by providing shareholders
a simple vote that indicates their position (by a yes or no vote) with respect to our executive compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Our Board of Directors
annually reviews and approves corporate and/or individual goals and objectives relevant to the compensation of our executive officers,
evaluates performance in light of those goals and objectives, and determines compensation levels based on this evaluation, as described
elsewhere in this proxy statement. In determining any long-term incentive component of compensation, the Board will consider all
such factors as it deems relevant, such as performance and relative shareholder return, the value of similar incentive awards at
comparable companies and the awards granted in previous years. We also believe that both the Company and shareholders benefit from
these compensation policies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board recommends
that shareholders approve, in an advisory vote, the following resolution:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 15pt; background-color: white"><B>&ldquo;Resolved, that the shareholders
approve the executive compensation of the Company, as described in this proxy statement, including the tabular disclosure regarding
executive officers in this Proxy Statement.&rdquo;</B></P>

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

<P STYLE="text-indent: 15pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Because your vote is advisory, it will
not be binding upon the Board. However, the Board will take into account the outcome of the vote when considering future executive
compensation arrangements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Recommendation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>THE BOARD OF
DIRECTORS OF THE COMPANY RECOMMENDS THAT THE SHAREHOLDERS VOTE &ldquo;FOR&rdquo; THE ADVISORY PROPOSAL SET FORTH ABOVE.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PROPOSAL 3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>APPROVAL AND ADOPTION OF AN AMENDMENT
TO THE COMPANY&rsquo;S CERTIFICATE OF INCORPORATION TO INCREASE THE NUMBER OF AUTHORIZED SHARES OF COMMON STOCK FROM <BR>
50,000,000
TO 100,000,000</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Company&rsquo;s
Certificate of Incorporation currently authorizes 5,000,000 shares of preferred stock and 50,000,000 shares of Common Stock, no
par value. At the Annual Meeting, the Company&rsquo;s stockholders are being asked to approve and adopt a proposal to amend the
Certificate of Incorporation to increase by 50,000,000 the number of shares of Common Stock that the Company is authorized to issue,
from 50,000,000 to 100,000,000 shares. The stockholders are not being asked to make any changes to the Company&rsquo;s authorized
shares of preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Board of Directors
considered the proposed amendment and at a meeting held on March 30, 2021 the Board determined that the proposed amendment was
advisable and unanimously approved and adopted the amendment, subject to stockholder approval at this Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">If stockholders approve
and adopt the amendment, it will become effective upon the filing of a Certificate of Amendment to the Certificate of Incorporation
with the State of New Jersey. The Company intends to file the amendment shortly after the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Text of the Proposed Amendment</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The first sentence of
Article FOURTH of the Certificate of Incorporation would be amended and restated in its entirety to read as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The total number
of shares of stock which the Corporation shall have authority to issue is ONE HUNDRED FIVE MILLION (105,000,000) shares, of which
ONE HUNDRED Million (100,000,000) shares are designated as Common Stock, no par value (&ldquo;Common Stock&rdquo;), and Five Million
(5,000,000) shares are designated as Preferred Stock, no par value (&ldquo;Preferred Stock&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Certificate of Amendment
to the Company&rsquo;s Certificate of Incorporation is set forth in full on Exhibit &ldquo;A&rdquo;, which is annexed hereto and
made a part hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Reasons for the Proposed Amendment</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Company&rsquo;s
Certificate of Incorporation currently authorizes up to 50,000,000 shares of Common Stock, and approximately 40 million shares
are presently issued and outstanding, leaving the Board authority to issue only an additional 10 shares available for future issuance
for any purposes, including additional future acquisitions, raising capital, or any other permitted purposes. As of the date of
this Proxy Statement, the Company has no current plans to issue additional shares, other than pursuant to previously approved equity
plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Board of Directors
believes it is in the best interests of the Company and its stockholders to increase the number of authorized shares of Common
Stock to provide the Company with flexibility to consider and plan for future general corporate needs, including, but not limited
to, capital raising, financing transactions, potential merger and acquisition transactions, employee stock or benefit plan needs,
stock splits, stock dividends or other general corporate purposes. These opportunities can arise quickly. The additional authorized
shares of Common Stock would enable the Company to pursue strategic, financial, merger and acquisition or capital opportunities
as they may be presented and to take timely advantage of market conditions as they may arise, without the delay and expense associated
with calling and convening a special meeting of stockholders to authorize additional shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">Although the Company
has no plan, commitment or agreement as of the date of this Proxy Statement to issue additional shares of Common Stock resulting
from the proposed increase in authorized shares, the Company regularly looks at and considers the desirability of issuing Common
Stock in financing or merger and acquisition transactions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Effect of the Proposed Amendment</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">If the proposed amendment
to the Certificate of Incorporation is approved and adopted by the stockholders, approximately 100 million shares of Common Stock
would then be authorized and available for future issuance. The additional authorized shares would be available for issuance from
time-to-time by the Board any proper general corporate purpose, including those described above, without further stockholder approval,
other than as may be required by New Jersey law or the rules of the NASDAQ Stock Market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The additional shares
of Common Stock for which the Company is seeking stockholder approval would be part of the existing class of the Company&rsquo;s
Common Stock and, if and when issued, would have the same rights and privileges as, and be identical in all respects (including
voting, dividend, distribution and liquidation rights) to, shares of Common Stock currently outstanding. The proposed additional
authorized shares of Common Stock will not affect any of the rights of the shares of Common Stock currently outstanding. Under
New Jersey law and the Certificate of Incorporation, holders of the Company&rsquo;s Common Stock are not entitled to preemptive
rights to purchase shares of Common Stock that the Company may issue in the future.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The ability of the Board
of Directors to issue additional shares of Common Stock may, under certain circumstances, be deemed to have an anti-takeover effect.
The Company could use the additional authorized shares of Common Stock to make it more difficult or to discourage efforts to obtain
control of the Company. However, the amendment to the Certificate of Incorporation is not being proposed in order to prevent a
change-in-control, nor is the amendment in response to any attempt, or contemplated attempt, to acquire control of the Company
or to gain representation on the Board. As is true for shares presently authorized but not issued, future issuances of the additional
shares of Common Stock contemplated by the proposed amendment also could have a dilutive effect on earnings per share, book value
per share, voting power and percentage ownership interest of current stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Board of Directors
intends to use the additional shares of Common Stock only for purposes and on terms that it deems to be in the best interests of
the Company and its stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Impact if the Amendment is not Adopted</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">If the proposed amendment
to the Certificate of Incorporation is not approved and adopted by the stockholders and the Company is unable to increase the number
of authorized shares of Common Stock, the Company will be limited in the number of shares of Common Stock available for issuance
to a total of 50,000,000 shares issued and outstanding. This could impact the Company&rsquo;s ability in the future to issue Common
Stock for capital raising, financing transactions, merger and acquisition transactions and other corporate purposes as the Company
may not have a sufficient number of shares of Common Stock available to issue for these needs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">The Board of Directors
unanimously approved and adopted the amendment to the Certificate of Incorporation to increase the number of authorized shares
of Common Stock. Accordingly, the majority of outstanding shares of Common Stock voting at the Annual Meeting is required for stockholders
to approve and adopt the proposed amendment to the Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt"><B>The Board of Directors
unanimously recommends that stockholders vote &ldquo;FOR&rdquo; Proposal 3, approval and adoption of the amendment to the Company&rsquo;s
Certificate of Incorporation to increase the number of authorized shares of Common Stock from 50,000,000 to 100,000,000 shares.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>PROPOSAL 4<BR>
RATIFICATION OF INDEPENDENT AUDITORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Audit and Risk
Committee has appointed the firm of Crowe LLP to act as our independent registered public accounting firm and to audit our consolidated
financial statements for the fiscal year ending December 31, 2021. This appointment will continue at the pleasure of the Audit
and Risk Committee and is presented to the shareholders for ratification as a matter of good governance. In the event that this
appointment is not ratified by our shareholders, the Audit and Risk Committee will consider that fact when it selects independent
auditors for the following fiscal year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Crowe LLP has served
as our independent registered public accounting firm since July 1, 2014, and one or more representatives of Crowe LLP will be present
at the Annual Meeting. These representatives will be provided an opportunity to make a statement at the Annual Meeting if they
desire to do so and will be available to respond to appropriate questions from shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The following table
sets forth a summary of the fees billed or expected to be billed to the Company by Crowe for professional services rendered for
the years ended December 31, 2020 and 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>PRINCIPAL ACCOUNTING FIRM FEES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Aggregate fees billed
to the company for the fiscal years ended December 31, 2020 and 2019 by the Company&rsquo;s principal accounting firm are shown
in the following table:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0"  STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="6" STYLE=" text-align: center; border-bottom: Black 1px solid"><b>Fiscal Year Ended<BR> December
    31</b></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" STYLE=" text-align: center; border-bottom: Black 1px solid"><b>2020</b></TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE=" text-align: center; border-bottom: Black 1px solid"><b>2019</b></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="width: 87%;  text-align: left">Audit Fees</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 3%; text-align: right">616,600</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 3%; text-align: right">530,400</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE=" text-align: left">Audit Related Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">200,000</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">125,000</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE=" text-align: left">Tax Fees (1)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,000</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,000</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE=" text-align: left">Other Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">173,368</TD><TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">100,000</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE=" text-align: left; padding-left: 15pt">Total Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">1,013,968</TD><TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">774,400</TD></TR>
</TABLE>





<div>____________________</div><BR>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; white-space: nowrap; text-align: left; width: 1%">(1)</TD>
    <TD STYLE="width: 99%">Consists of tax filing and tax related compliance and other advisory services.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Required Vote</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>THE PROPOSAL
TO RATIFY THE SELECTION OF CROWE LLP AS OUR INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM FOR THE 2021 FISCAL YEAR REQUIRES AN
AFFIRMATIVE VOTE OF THE MAJORITY OF THE SHARES REPRESENTED ONLINE OR BY PROXY AT THE ANNUAL MEETING AND ENTITLED TO VOTE ON THE
PROPOSAL.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Recommendation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white"><B>THE BOARD OF
DIRECTORS RECOMMENDS THAT THE SHAREHOLDERS VOTE &ldquo;FOR&rdquo; THE RATIFICATION OF CROWE LLP AS THE COMPANY&rsquo;S INDEPENDENT
AUDITORS</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Proposals of shareholders
to be included in the Company&rsquo;s 2022 proxy material must be received by the secretary of the Company no later than January
25, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>DELINQUENT SECTION
16(A) REPORTS </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">Section 16(a) of
the Securities Exchange Act of 1934 requires the Company&rsquo;s officers and directors, and persons who own more than ten percent
of a registered class of the Company&rsquo;s equity securities, to file reports of ownership and changes in ownership with the
Securities and Exchange Commission. Officers, directors and greater than ten percent shareholders are required by regulation of
the Securities and Exchange Commission to furnish the Company with copies of all Section 16(a) forms they file. The Company believes
that all persons associated with the Company and subject to Section 16(a) have made all required filings on a timely basis for
the fiscal year ended December 31, 2020, except for (i) Stephen Boswell with respect to the transaction occurring on November 3,
2020,  (ii) Frank Sorrentino III, William S. Burns, Elizabeth Magennis, Christopher Ewing, Michael McGrover, and Laura Criscione, who were each late with respect to the reporting of (x) the tax withholding resulting from the one-third vesting of restricted stock units on March 15, 2018 and March 19, 2019, (y) the acquisition of shares pursuant to earned performance units granted on March 23, 2017 and the accompany tax withholding resulting from the same, and (z) the acquisition of shares pursuant to a grant of restricted stock units on March 20, 2020 and (iii) Michael O&rsquo;Malley with respect to his initial Form 3; in each case due to a clerical error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt; background-color: white">The Board of Directors
is not aware of any other matters which may come before the Annual Meeting. However, in the event such other matters come before
the meeting, it is the intention of the persons named in the proxy to vote on any such matters in accordance with the recommendation
of the Board of Directors.</P>

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<P STYLE="font: 10pt Times new roman, Helvetica, Sans-Serif; margin: 0pt 0">Exhibit A</P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM OF<BR>
CERTIFICATE OF AMENDMENT<BR>
TO THE<BR>
CERTIFICATE OF INCORPORATION<BR>
OF<BR>
CONNECTONE BANCORP, INC.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">To:</TD><TD>Division of Revenue<BR><BR>
State of New Jersey</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">In accordance with the
provisions of Section 14A:9-2(4) of the New Jersey Business Corporation Act, the undersigned Corporation executes the following
Certificate of Amendment to the Certificate of Incorporation:</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size:10pt">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt; width: 1%">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="width: 99%">The
name of the Corporation is <B>ConnectOne Bancorp, Inc., </B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD>The
first sentence of Article FOURTH of the Certificate of Incorporation is amended and restated in its entirety to read as follows:
</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">&nbsp;</TD>
    <TD>The total number of shares of stock which the Corporation
shall have authority to issue is One Hundred Five Million (105,000,000) shares, of which One Hundred Million (100,000,000) shares are designated
as Common Stock, no par value (&ldquo;Common Stock&rdquo;), and Five Million (5,000,000) shares are designated as Preferred Stock,
no par value (&ldquo;Preferred Stock&rdquo;).</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD>
This
Amendment to the Certificate of Incorporation was duly adopted by the shareholders of the Corporation on the 25th day of May 2021.
</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">4.&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD>The
total number of shares entitled to vote on this Amendment to the Certificate of Incorporation is 39,724,433.
</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-left: 15pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD>
The
number of shares voting for and against such Amendments to the Certificate of Incorporation are as follows:</TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 90%; font: 8pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; width: 25%; border-bottom: black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Number of <BR>
Shares Voting <BR>
For the <BR>
Amendment</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 22%; border-bottom: black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Number of <BR>
Shares Voting<BR>
 Against the<BR>
 Amendment</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 22%; border-bottom: black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Number of<BR>
 Shares Abstaining</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 22%; border-bottom: black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Broker Non-<BR>
Votes</B></FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 15pt">IN WITNESS WHEREOF, I, Frank Sorrentino III,
Chairman, President and Chief Executive Officer, have signed this Certificate of Amendment to the Certificate of Incorporation
on the [___] day of May 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 216pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CONNECTONE BANCORP, INC.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="width: 30%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 17%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Frank Sorrentino III</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif">Chairman, President and Chief Executive Officer</FONT></TD></TR>
</TABLE>

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<div style  ="float: left; width: 46%">
<br><BR><br>
<P ALIGN="LEFT" STYLE="margin-left: 15pt"><I><FONT size=1 face="Times new roman">CONNECTONE BANCORP, INC.<BR>C/O BROADRIDGE<BR>P.O. BOX 1342<BR>BRENTWOOD, NY 11717 </FONT></I></P>
</div>
<div style  ="float: right; width: 46%">

<DIV align=justify><B><FONT size=1 face="Times new roman">VOTE BY INTERNET<BR></FONT></B><FONT size=1 face="Times new roman"><EM>Before The Meeting</EM> - Go to <b><U>www.proxyvote.com</U></b></FONT></DIV>

<P STYLE="text-align: justify"><FONT size=1 face="Times new roman">Use the Internet to transmit your voting instructions and for electronic delivery of
information up until 11:59 p.m. Eastern Time on May 24, 2021. Have your proxy
card in hand when you access the web site and follow the instructions to obtain
your records and to create an electronic voting instruction form.

</FONT></P>

<P STYLE="text-align: left"><FONT size=1 style="letter-spacing: -0.2pt" face="Times new roman"><EM>During The Meeting</EM> - Go to <b><U>www.virtualshareholdermeeting.com/CNOB2021</U></b></FONT></p>

<P STYLE="text-align: justify"><FONT size=1 face="Times new roman">You may attend the meeting via the Internet and vote during the meeting.
Have the information that is printed in the box marked by the arrow
available and follow the instructions.
</FONT></P>

<P align=justify><B><FONT size=1 face="Times new roman">VOTE BY PHONE - 1-800-690-6903<BR></FONT></B><FONT size=1 face="Times new roman">Use any touch-tone telephone to transmit your voting instructions up until
11:59 p.m. Eastern Time on May 24, 2021. Have your proxy card in hand
when you call and then follow the instructions.</FONT></P>

<P align=justify><B><FONT size=1 face="Times new roman">VOTE BY MAIL<BR></FONT></B><FONT size=1 face="Times new roman">Mark, sign and date your proxy card and return it in the postage-paid envelope we have provided or return it to Vote Processing, c/o Broadridge, 51 Mercedes Way, Edgewood, NY 11717. </FONT></P>
<BR>
<BR>

<BR>
<BR>

</DIV>
<TABLE style="LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="100%" colSpan=2 noWrap align=left><FONT size=1 face="Times new roman">TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1.5pt dashed" width="99%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt dashed" width="1%" noWrap align=right><FONT size=1 face="Times new roman">D39595-P49287&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; KEEP THIS PORTION FOR YOUR RECORDS</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="99%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times new roman">DETACH AND RETURN THIS PORTION ONLY</FONT></TD></TR>

<TR>

   <TD style="WIDTH: 100%; PADDING-BOTTOM: 4pt; TEXT-ALIGN: center; PADDING-TOP: 2pt" colSpan=2 noWrap><B><FONT size=1 face="Times new roman">THIS PROXY CARD IS VALID ONLY WHEN SIGNED AND DATED.</FONT></B></TD></TR></TABLE>

<DIV style="BORDER-TOP: #000000 2pt solid; BORDER-RIGHT: #000000 2pt solid; BORDER-BOTTOM: #000000 2pt solid; FLOAT: right; PADDING-BOTTOM: 3pt; PADDING-TOP: 3pt; PADDING-LEFT: 6pt; BORDER-LEFT: #000000 2pt solid; PADDING-RIGHT: 6pt">

<DIV style="WIDTH: 48%; FLOAT: left">

<TABLE style="FONT-SIZE: 7pt; LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="94%" noWrap align=left><B><FONT size=1 face="Times new roman">CONNECTONE BANCORP, INC.</FONT></B></TD>

   <TD width="1%" noWrap align=left><FONT face="Times new roman">&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><B><FONT face="Times new roman">For</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><FONT face="Times new roman">&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><B><FONT face="Times new roman">Withhold</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><FONT face="Times new roman">&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><B><FONT face="Times new roman">For All</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="94%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><B><FONT face="Times new roman">All</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><B><FONT face="Times new roman">All</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap></TD>

   <TD style="TEXT-ALIGN: center" width="1%" noWrap><B><FONT face="Times new roman">Except</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 94%; text-align: left; padding-left: 8pt"><B><FONT face="Times new roman">The Board of Directors recommends you vote FOR the following:</FONT></B></TD>

   <TD width="1%" align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR>

   <TD width="100%" colSpan=7></TD></TR>

<TR vAlign=bottom>

<TD STYLE="padding-bottom: 8pt; width: 94%; text-align: left; padding-left: 8pt"><FONT size=1 face="Times new roman">1.&nbsp;&nbsp;Election of Directors</FONT></TD>

   <TD STYLE="padding-bottom: 8pt; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-bottom: 8pt; text-align: center; width: 1%; white-space: nowrap"><FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="padding-bottom: 8pt; text-align: center; width: 1%; white-space: nowrap"></TD>

   <TD STYLE="padding-bottom: 8pt; text-align: center; width: 1%; white-space: nowrap"><FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="padding-bottom: 8pt; text-align: center; width: 1%; white-space: nowrap"></TD>

   <TD STYLE="padding-bottom: 8pt; text-align: center; width: 1%; white-space: nowrap"><FONT size=3 face="Times new roman">&#9744;</FONT></TD></TR></TABLE></DIV>

<DIV style="WIDTH: 48%; FLOAT: right">

<TABLE style="FONT-SIZE: 7pt; LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD style="TEXT-ALIGN: justify" vAlign=top rowSpan=2 width="59%" align=left><FONT face="Times new roman">To withhold authority to vote for any individual nominee(s), mark &#8220;For All Except&#8221; and write the number(s) of the nominee(s) on the line below. </FONT></TD>

   <TD width="30%" noWrap align=left>&nbsp;</TD>

   <TD style="WIDTH: 5%; TEXT-ALIGN: left; PADDING-LEFT: 16pt; PADDING-RIGHT: 16pt" width="5%" noWrap>&nbsp;</TD>

   <TD width="5%" noWrap align=left>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="30%" noWrap align=left></TD>

   <TD style="BORDER-TOP: #000000 2pt solid; BORDER-RIGHT: #000000 2pt solid" width="5%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="5%" noWrap align=left>&nbsp;&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; width: 59%; text-align: left">&nbsp;<BR>&nbsp;</TD>

   <TD width="30%" noWrap align=left></TD>

   <TD style="BORDER-RIGHT: #000000 2pt solid" width="5%" noWrap align=left>&nbsp;</TD>

   <TD width="5%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="59%" noWrap align=left></TD>

   <TD width="30%" noWrap align=left></TD>

   <TD width="5%" noWrap align=left></TD>

   <TD width="5%" noWrap align=left></TD></TR></TABLE></DIV><BR clear=all>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="width: 50%; line-height: normal">




<TR vAlign=bottom>

   <TD STYLE="padding-left: 8pt; white-space: nowrap; text-align: left; padding-bottom: 8pt"><FONT size=1 face="Times new roman">&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-bottom: 8pt"><FONT size=1 face="Times New Roman">&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD COLSPAN="6" STYLE="white-space: nowrap; text-align: left; padding-bottom: 8pt"><FONT size=1 face="Times New Roman"></FONT><FONT size=1 face="Times New Roman"><B><FONT face="Times new roman">Nominees:</FONT></B></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-left: 8pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">01)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT SIZE=1 face="Times new roman">&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 46%; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Frank Sorrentino III</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">07)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face="Times new roman">&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 48%; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Nicholas Minoia</FONT></TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: right; padding-left: 8pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">02)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Frank W. Baier</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">08)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Joseph Parisi Jr.</FONT></TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: right; padding-left: 8pt"><FONT size=1 face="Times New Roman"></FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">03)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Stephen T. Boswell</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">09)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Daniel Rifkin</FONT></TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">04)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Katherin Nukk-Freeman</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">10)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">William A. Thompson</FONT></TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: right; padding-left: 8pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">05)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Frank Huttle III
</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">11)</FONT></TD>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Mark Sokolich</FONT></TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: right; padding-left: 8pt"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman">06)</FONT></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Michael Kempner</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">12)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Anson M. Moise</FONT></TD></TR>

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   <TD COLSPAN="3" STYLE="padding-top: 3pt; padding-left: 8pt; vertical-align: bottom; padding-bottom: 5pt; text-align: left"><B><FONT size=1 face="Times new roman">The Board of Directors recommends you vote FOR proposals 2, 3 and 4.</FONT></B></TD>


   <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><B><FONT size=1 face="Times new roman">&nbsp;&nbsp;For&nbsp;&nbsp;</FONT></B></TD>

   <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><B><FONT size=1 face="Times new roman">Against</FONT></B></TD>

   <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><B><FONT size=1 face="Times new roman">Abstain</FONT></B></TD></TR>

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   <TD STYLE="padding-top: 3pt; padding-left: 8pt; width: 1%; vertical-align: top; padding-bottom: 5pt; text-align: left; white-space: nowrap"><FONT size=1 face="Times new roman">2.</FONT></TD>

   <TD STYLE="padding-top: 3pt; width: 1%; vertical-align: top; padding-bottom: 5pt; text-align: left; white-space: nowrap">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-top: 3pt; vertical-align: top; padding-bottom: 5pt; text-align: left; padding-right: 8pt; width: 100%"><FONT size=1 face="Times new roman">To vote, on an advisory basis, to approve the executive compensation of ConnectOne Bancorp, Inc.'s named executive officers, as described in the proxy statement.
</FONT></TD>

   <TD STYLE="white-space: nowrap; width: 1%; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="white-space: nowrap; width: 1%; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="white-space: nowrap; width: 1%; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD></TR>


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   <TD STYLE="padding-top: 3pt; padding-left: 8pt; vertical-align: top; padding-bottom: 5pt; text-align: left"><FONT size=1 face="Times new roman">3.</FONT></TD>

   <TD STYLE="padding-top: 3pt; vertical-align: top; padding-bottom: 5pt; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-top: 3pt; vertical-align: top; padding-bottom: 5pt; text-align: left; padding-right: 8pt"><FONT size=1 face="Times new roman">To authorize an amendment to the Certificate of Incorporation, as amended, to increase the number of authorized shares of our common stock, no par value per share, from 50,000,000 to 100,000,000.
</FONT></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt">&nbsp;<FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD></TR>

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   <TD STYLE="padding-top: 3pt; padding-left: 8pt; vertical-align: top; padding-bottom: 5pt; text-align: left; white-space: nowrap"><FONT size=1 face="Times new roman">4.</FONT></TD>

   <TD STYLE="padding-top: 3pt; vertical-align: top; padding-bottom: 5pt; text-align: left; white-space: nowrap">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-top: 3pt; vertical-align: top; padding-bottom: 5pt; text-align: justify; padding-right: 8pt"><FONT size=1 face="Times new roman">To ratify the appointment of Crowe LLP as the Company's independent registered public accountants for the fiscal year ending December 31, 2021.</FONT></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt">&nbsp;<FONT size=3 face="Times new roman">&#9744;</FONT></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 8pt; text-align: center; padding-left: 2pt; padding-right: 2pt"><FONT size=3 face="Times new roman">&#9744;</FONT></TD></TR>





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   <TD COLSPAN="3" STYLE="padding: 3pt 8pt 5pt; vertical-align: top; text-align: left; text-align: justify"><B><FONT size=1 face="Times new roman">NOTE: </FONT></B><FONT size=1 face="Times new roman">In their discretion, such other business as shall properly come before the meeting.</FONT></TD>

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   <TD STYLE="white-space: nowrap; vertical-align: top; text-align: left; padding-left: 2pt; padding-right: 2pt"></TD>

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   <TD style="TEXT-ALIGN: justify" width="50%"><FONT size=1 face="Times new roman">Please sign exactly as your name(s) appear(s) hereon. When signing as attorney, executor, administrator, or other fiduciary, please give full title as such. Joint owners should each sign personally. All holders must sign. If a corporation or partnership, please sign in full corporate or partnership name by authorized officer.</FONT></TD>

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   <TD width="24%" noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: #000000 1pt solid; BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #000000 1pt solid" width="18%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

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   <TD style="WIDTH: 18%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap><FONT face="Times new roman">Signature [PLEASE SIGN WITHIN BOX]</FONT></TD>

   <TD style="WIDTH: 1%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap><STRONG><FONT face="Times new roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></STRONG></TD>

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<DIV STYLE="text-align: right; margin-top: 4pt; margin-bottom: 2pt;"><FONT SIZE=1 FACE="Times New Roman">D39596-P49287</FONT></DIV>

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<P align=center><B><FONT size=2 face="Times new roman">CONNECTONE BANCORP, INC.<BR>Revocable Proxy for Annual Meeting<BR>of Shareholders May 25, 2021<BR>Solicited on behalf of the Board of Directors </FONT></B></P>

<P style="MARGIN-LEFT: 30pt; MARGIN-RIGHT: 30pt" align=justify><FONT size=1 face="Times new roman">The undersigned hereby appoints the Board of Directors of ConnectOne Bancorp, Inc. (the "Company"), and each of them to vote all
of the shares of the Company standing in the undersigned's name at the Annual Meeting of Shareholders of the Company and any
adjournment thereof. The undersigned hereby revokes any and all proxies heretofore given with respect to such meeting. Due to
guidance from the Federal and New Jersey state governments regarding the impact of COVID-19, this year's Annual Meeting will be a
completely virtual meeting of shareholders, which will be conducted via live webcast. You will be able to participate in the Annual
Meeting,  vote  and  submit  your  questions  during  the  Annual  Meeting  via  live  webcast  by  visiting
www.virtualshareholdermeeting.com/CNOB2021.  Because  the  Annual  Meeting  is  virtual  and  being  conducted  via  live  webcast,
shareholders will not be able to attend the Annual Meeting in person. Details regarding how to participate in the meeting online and
the business to be conducted at the meeting are more fully described in the accompanying proxy statement.</FONT></P>

<P style="MARGIN-LEFT: 30pt; MARGIN-RIGHT: 30pt" align=justify><B><FONT size=1 face="Times new roman">This proxy will be voted as specified above. If no choice is specified, the proxy will be voted "FOR" Management's nominees to the
Board  of  Directors,  "FOR"  the  non-binding  advisory  resolution  approving  the  Company's  executive  compensation,  "FOR"  an
amendment to the Certificate of Incorporation, as amended, to increase the number of authorized shares of our common stock,
no par value per share, from 50,000,000 to 100,000,000, and "FOR" ratification of the appointment of Crowe LLP as the Company's
independent registered public accountants.</FONT></B></P><BR><BR><BR><BR><BR>

<DIV style="TEXT-ALIGN: center"><B><FONT size=2 face="Times new roman">Continued and to be signed on reverse side</FONT></B></DIV></DIV>



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   <TD STYLE="background-color: rgb(0,123,183); white-space: nowrap; text-align: left; padding-bottom: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
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<FONT color=#004974 size=1 face=Arial>CONNECTONE BANCORP, INC.<BR>C/O BROADRIDGE<BR>P.O. BOX 1342<BR>BRENTWOOD, NY 11717 </FONT>

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   <P><FONT color=#004974 style="font-size: 26pt" face=Arial>Your </FONT><B><FONT color=#004974 style="font-size: 26pt" face=Arial>Vote </FONT></B><FONT color=#004974 style="font-size: 26pt" face=Arial>Counts!</FONT></P>
   <P><B><FONT color=#004974 style="font-size: 11pt" face=Arial>CONNECTONE BANCORP, INC.</FONT></B></P>
   <P style="TEXT-ALIGN: center"><FONT color=#004974 style="font-size: 11pt" face=Arial>2021 Annual Meeting</font><BR><FONT color=#004974 size=2 face=Arial>Vote by May 24, 2021<BR>11:59 PM ET</FONT></P></TD>
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   <DIV STYLE="text-align: left"><FONT size=1 face=Arial>D39625-P49287</FONT></div></TD>
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<P style="TEXT-ALIGN: left"><FONT color=#004974 style="font-size: 15pt; letter-spacing: -.2px" face=Arial>You invested in CONNECTONE BANCORP, INC. and it&#146;s time to vote!<BR></FONT><FONT color=#004974 size=2 face=Arial>You have the right to vote on proposals being presented at the Annual Meeting. </FONT><B><FONT color=#004974 size=2 face=Arial>This is an important notice regarding the availability of proxy material for the shareholder meeting to be held on May 25, 2021.</FONT></B></P>
<P style="TEXT-ALIGN: left"><FONT color=#004974 style="font-size: 15pt" face=Arial>Get informed before you vote<BR></FONT><FONT color=#004974 size=2 face=Arial>View the Notice and Proxy Statement and Form 10-K online OR you can receive a free paper or email copy of the material(s) by requesting prior to May 11, 2021. If you would like to request a copy of the material(s) for this and/or future shareholder meetings, you may (1) visit www.ProxyVote.com, (2) call 1-800-579-1639 or (3) send an email to sendmaterial@proxyvote.com. If sending an email, please include your control number (indicated below) in the subject line. Unless requested, you will not otherwise receive a paper or email copy. </FONT></P>
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   <P style="TEXT-ALIGN: center"><FONT style="VERTICAL-ALIGN: middle" color=#ffffff size=4 face=Arial>Control #&nbsp;&nbsp;&nbsp;</FONT><IMG border=0 src="cnob3847941-defa14ax1x3.jpg" style="vertical-align: middle"></P>
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   <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
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   <P><B><FONT color=#004974 size=3 face=Arial>Vote Virtually at the Meeting*<BR></FONT></B><FONT color=#004974 size=2 face=Arial>May 25, 2021<BR>9:15 AM EDT</FONT></P></TD></TR>
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   <P style="TEXT-ALIGN: left"><FONT color=#004974 size=2 face=Arial>Virtually at:<BR>www.virtualshareholdermeeting.com/CNOB2021</FONT></P></TD></TR>
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   <TD STYLE="padding-left: 6pt; vertical-align: top; width: 1%; text-align: left"><FONT color=#004974 size=1 face=Arial>*</FONT></TD>
   <TD STYLE="vertical-align: top; width: 99%; text-align: left"><FONT color=#004974 size=1 face=Arial>Please check the meeting materials for any special requirements for meeting attendance.</FONT></TD></TR></TABLE><BR>
   <DIV style="TEXT-ALIGN: right"><FONT size=1 face=Arial>V1</FONT></DIV>

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   <TD STYLE="border-bottom: rgb(0,73,116) 6pt solid; width: 100%; white-space: nowrap; text-align: left; padding-bottom: 10pt"><B><FONT color=#007BB7 style="font-size: 15pt" face=Arial>Vote at www.ProxyVote.com</FONT></B></TD></TR></TABLE><BR>

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   <P style="TEXT-ALIGN: left"><B><FONT color=#004974 style="font-size: 16pt" face=Arial>THIS IS NOT A VOTABLE BALLOT</FONT></B></P>
   <P style="TEXT-ALIGN: left"><FONT color=#004974 size=2 face=Arial>This is an overview of the proposals being presented at the upcoming shareholder meeting. Please follow the instructions on the reverse side to vote these important matters.</FONT></P></TD>
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   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT color=#004974 size=2 face=Arial></FONT></B><B><FONT size=2 face=Arial color=#004974>Board</FONT></B></TD></TR>
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   <TD COLSPAN="5" STYLE="padding-bottom: 2pt; white-space: nowrap; text-align: left"><B><FONT color=#004974 size=2 face=Arial>Voting Items</FONT></B></TD>
   <TD COLSPAN="2" STYLE="padding-bottom: 2pt; white-space: nowrap; text-align: center"><B><FONT color=#004974 size=2 face=Arial></FONT></B><B><FONT size=2 face=Arial color=#004974>Recommends</FONT></B></TD></TR>
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   <TD STYLE="padding: 2pt 4pt 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>1. </FONT></TD>
   <TD COLSPAN="4" STYLE="padding-top: 2pt; padding-right: 6pt; padding-bottom: 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>Election of Directors</FONT></TD>
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   <TD COLSPAN="4" STYLE="padding-bottom: 2pt; padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=2 face=Arial>Nominees:</FONT></B></TD>
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   <TD STYLE="padding-bottom: 2pt; padding-right: 10pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"></TD></TR>
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   <TD STYLE="padding-right: 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); padding-left: 4pt; width: 1%"><FONT color=#004974 size=2 face=Arial>01)&nbsp;</FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); width: 24%"><FONT color=#004974 size=2 face=Arial>Frank Sorrentino III </FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); width: 24%"><FONT color=#004974 size=2 face=Arial>04)&nbsp;Katherin Nukk-Freeman</FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); width: 24%"><FONT color=#004974 size=2 face=Arial>07)&nbsp;Nicholas Minoia</FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); width: 24%"><FONT color=#004974 size=2 face=Arial>10)&nbsp;William A. Thompson </FONT></TD>
   <TD STYLE="border-left: rgb(0,73,116) 1pt solid; padding-right: 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); padding-left: 4pt; width: 1%"><B><FONT color=#004974 size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD STYLE="padding-right: 10pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); width: 1%"><B><FONT color=#004974 size=3 face=Arial>&nbsp;</FONT></B></TD></TR>
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   <TD STYLE="padding-right: 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); padding-left: 4pt"><FONT color=#004974 size=2 face=Arial>02)&nbsp;</FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>Frank W. Baier </FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>05)&nbsp;Frank Huttle III </FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>08)&nbsp;Joseph Parisi Jr.</FONT></TD>
   <TD STYLE="padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>11)&nbsp;Mark Sokolich</FONT></TD>
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   <TD STYLE="padding-right: 10pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=3 face=Arial>For&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD></TR>
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   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; padding-right: 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); padding-left: 4pt"><FONT color=#004974 size=2 face=Arial>03)&nbsp;</FONT></TD>
   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>Stephen T. Boswell </FONT></TD>
   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>06)&nbsp;Michael Kempner </FONT></TD>
   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>09)&nbsp;Daniel Rifkin</FONT></TD>
   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; padding-right: 6pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>12)&nbsp;Anson M. Moise</FONT></TD>
   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; border-left: rgb(0,73,116) 1pt solid; padding-right: 4pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247); padding-left: 4pt"></TD>
   <TD STYLE="padding-bottom: 2pt; border-bottom: rgb(0,73,116) 1pt solid; padding-right: 10pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)">&nbsp;</TD></TR>

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   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>2.</FONT></TD>
   <TD COLSPAN="4" STYLE="border-bottom: rgb(0,73,116) 1pt solid; padding-top: 2pt; padding-right: 6pt; padding-bottom: 2pt; vertical-align: top; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>To vote, on an advisory basis, to approve the executive compensation of ConnectOne Bancorp, Inc.&#146;s named executive officers, as described in the proxy statement. </FONT></TD>
   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; border-left: rgb(0,73,116) 1pt solid; padding-right: 4pt; padding-left: 4pt; vertical-align: middle; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=2 face=Arial>
   <IMG border=0 src="cnob3847941-defa14ax2x2.jpg"></FONT></B></TD>
   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; vertical-align: middle; padding-right: 10pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=3 face=Arial>For</FONT></B></TD></TR>

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   <TD STYLE="padding: 2pt 4pt; vertical-align: top; border-bottom: rgb(0,73,116) 1pt solid; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>3.</FONT></TD>
   <TD COLSPAN="4" STYLE="border-bottom: rgb(0,73,116) 1pt solid; padding-top: 2pt; padding-right: 6pt; padding-bottom: 2pt; vertical-align: top; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>To authorize an amendment to the Certificate of Incorporation, as amended, to increase the number of authorized shares of our common stock, no par value per share, from 50,000,000 to 100,000,000.</FONT></TD>
   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; border-left: rgb(0,73,116) 1pt solid; padding-right: 4pt; padding-left: 4pt; vertical-align: middle; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=2 face=Arial>
   <IMG border=0 src="cnob3847941-defa14ax2x2.jpg"></FONT></B></TD>
   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; vertical-align: middle; padding-right: 10pt; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=3 face=Arial>For</FONT></B></TD></TR>
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   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>4.</FONT></TD>
   <TD COLSPAN="4" STYLE="border-bottom: rgb(0,73,116) 1pt solid; padding-top: 2pt; padding-right: 6pt; padding-bottom: 2pt; vertical-align: top; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial>To ratify the appointment of Crowe LLP as the Company&#146;s independent registered public accountants for the fiscal year ending December 31, 2021.</FONT></TD>
   <TD STYLE="border-bottom: rgb(0,73,116) 1pt solid; border-left: rgb(0,73,116) 1pt solid; padding-right: 4pt; padding-left: 4pt; vertical-align: middle; white-space: nowrap; text-align: left; background-color: rgb(240,239,247)"><B><FONT color=#004974 size=2 face=Arial>
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   <TD COLSPAN="5" STYLE="border-bottom: rgb(0,73,116) 1pt solid; padding: 2pt 8pt 2pt 4pt; vertical-align: top; text-align: left; background-color: rgb(240,239,247)"><FONT color=#004974 size=2 face=Arial><B>NOTE: </B>In their discretion, such other business as shall properly come before the meeting.</FONT></TD>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
