<SEC-DOCUMENT>0001206774-21-002121.txt : 20210812
<SEC-HEADER>0001206774-21-002121.hdr.sgml : 20210812
<ACCEPTANCE-DATETIME>20210812172711
ACCESSION NUMBER:		0001206774-21-002121
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20210812
DATE AS OF CHANGE:		20210812

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-258093
		FILM NUMBER:		211168862

	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

FILED BY:		

	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:		FWP

	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>FWP
<SEQUENCE>1
<FILENAME>cob3944911-fwp.htm
<DESCRIPTION>FILING UNDER SECURITIES ACT RULES 163/433 OF FREE WRITING PROSPECTUSES
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<P style="TEXT-ALIGN: right"><B><FONT size=2 face="Times New Roman">Free Writing Prospectus<BR></FONT></B><B><FONT size=2 face="Times New Roman">Filed pursuant to Rule 433<BR></FONT></B><B><FONT size=2 face="Times New Roman">Registration No. 333-258093<BR></FONT></B><B><FONT size=2 face="Times New Roman">August 12, 2021</FONT></B></P>

<P align=center>
<IMG border=0 src="cob3944911-fwpx1x1.jpg"> </P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">4,000,000 Depositary Shares, Each Representing a 1/40th Interest in a Share of</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">5.25% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A</FONT></P>

<P style="TEXT-ALIGN: center"><B><U><FONT size=2 face="Times New Roman">Term Sheet</FONT></U></B></P>

<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Issuer:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">ConnectOne Bancorp, Inc. (the &#8220;Company&#8221;)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman"></FONT></B>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Security:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Depositary shares (&#8220;Depositary Shares&#8221;), each representing a 1/40th interest in a share of the Company&#8217;s 5.25% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A (&#8220;Preferred Stock&#8221;)</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman"></FONT></B>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Aggregate Liquidation Amount:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">$100,000,000 (4,000,000 Depositary Shares)</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Overallotment Option:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">The underwriters have the option to purchase up to an additional $15,000,000 (600,000 Depositary Shares) from the Company at the public offering price less the underwriting discount. They may exercise that option for 30 days.</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Expected Rating:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>

   <P><FONT size=2 face="Times New Roman">BB+ by Kroll Bond Rating Agency</FONT></P>

   <P><FONT size=2 face="Times New Roman">A rating is not a recommendation to buy, sell or hold securities. Ratings may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating should be evaluated independently of any other rating.</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Liquidation Preference:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">$25 per Depositary Share (equivalent to $1,000 per share of Preferred Stock)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">First Reset Date:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">September 1, 2026</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Reset Date:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">The First Reset Date and each date falling on the fifth anniversary of the preceding Reset Date.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Reset Period:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">The period from, and including, the First Reset Date to, but excluding, the following Reset Date and thereafter each period from, and including, each Reset Date to, but excluding, the next following Reset Date.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Dividend Payment Dates:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">If declared, dividends will be payable quarterly, in arrears, on March 1, June 1, September 1 and December 1 of each year, beginning on December 1, 2021.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Dividend Rate (Non-<BR>cumulative):</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">From and including the original issue date to, but excluding, September 1, </FONT><FONT size=2 face="Times New Roman">2026 or the date of earlier redemption, 5.25% and from and including September 1, 2026, during each Reset Period, the five-year treasury rate as of the most recent reset dividend determination date (as defined in the preliminary prospectus supplement dated August 11, 2021 (the &#8220;Preliminary Prospectus Supplement&#8221;)) plus 4.42%.</FONT></P></TD></TR></TABLE>

<BR>



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<BR>


<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Day Count Convention:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">30/360 to, but excluding, September 1, 2026, and, thereafter, a 360-day year and the number of days actually elapsed.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman"></FONT></B>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Term:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Perpetual</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman"></FONT></B>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Trade Date:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">August 12, 2021</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Settlement Date:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">August 19, 2021 (T + 5)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Optional Redemption:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">The Company may, at its option and subject to any required regulatory approval, redeem the shares of the Preferred Stock (i) in whole or in part, from time to time, on any dividend payment date on or after the First Reset Date, or (ii) in whole but not in part at any time within 90 days following a &#8220;regulatory capital treatment event,&#8221; as described in the Preliminary Prospectus Supplement, in each case at a cash redemption price equal to $1,000 per share of Preferred Stock (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends, without accumulation of any undeclared dividends to but excluding the redemption date. Holders of Depositary Shares will not have the right to require the redemption or repurchase of the Depositary Shares.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Public Offering Price:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">$25 per Depositary Share (equivalent to $1,000 per share of Preferred Stock)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Underwriting Discount and<BR>Commission:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">3.15% / $0.7875 per Depositary Share</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Net Proceeds (before expenses)<BR>to the Issuer:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">$96,850,000 (or $111,377,500 if the underwriters exercise their option to purchase additional&nbsp;</FONT><FONT size=2 face="Times New Roman">Depositary Shares, in full)</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Use of Proceeds:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">The Company intends to use the net proceeds from this offering for general corporate purposes, which may include providing capital to support organic growth or growth through strategic acquisitions, repaying indebtedness, financing investments, capital expenditures, repurchasing shares of common stock and for investments in the Bank as regulatory capital.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Joint Book-Running Managers:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Keefe, Bruyette &amp; Woods, <I>A Stifel Company</I><BR>Piper Sandler &amp; Co.<BR></FONT><FONT size=2 face="Times New Roman">Raymond James &amp; Associates, Inc.</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Co-Manager:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">Stephens Inc.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Depositary:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">Broadridge Corporation Issuer Solutions, Inc.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">Listing:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">The Company has applied to list the Depositary Shares on the Nasdaq Global Select Stock Market under the symbol &#8220;CNOBP&#8221;. If approved for listing, trading of the Depositary Shares on the Nasdaq Global Select Market is expected to commence within the 30-day period after the original issuance date of the Depositary Shares.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman"></FONT></B>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman"></FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><B><FONT size=2 face="Times New Roman">CUSIP/ISIN for the Depositary<BR>Shares:</FONT></B></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">20786W 503 / US20786W5031</FONT></TD></TR></TABLE>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">The Depositary Shares are not deposits or other obligations of a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">We expect that delivery of the Depositary Shares will be made against payment for the Depositary Shares on or about the Settlement Date indicated above, which will be the fifth business day following the trade date of August 12, 2021 (this settlement cycle being referred to as &#8220;T+5&#8221;). Under Rule 15c6-1 of the Securities Exchange Act of 1934, as amended, trades in the secondary market generally will be required to settle in two business days, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the Depositary Shares on any date prior to the fifth business day preceding the Settlement Date will be required, by virtue of the fact that the shares will initially settle in five business days (T+5), to specify alternative settlement arrangements to prevent a failed settlement and should consult their own investment advisor.</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">The Company has filed a &#8220;shelf&#8221; registration statement (File No. 333-258093) (including a base prospectus (the &#8220;Base Prospectus&#8221;) on July 22, 2021 and the related Preliminary Prospectus Supplement with the Securities and Exchange Commission (&#8220;SEC&#8221;) for the offering to which this communication relates. Before you invest, you should read the Base Prospectus, the Preliminary Prospectus Supplement and other documents the Company has filed with the SEC for more complete information about the Company and this offering. You may obtain these documents for free by visiting EDGAR on the SEC&#8217;s website at www.sec.gov. Alternatively, the Company, any underwriter or any dealer participating in the offering will arrange to send you the Base Prospectus and the related Preliminary Prospectus Supplement if you request it by emailing Keefe, Bruyette &amp; Woods, <I>A Stifel Company</I> at </FONT></B><B><FONT size=2 face="Times New Roman">USCapitalMarkets@kbw.com</FONT></B><B><FONT size=2 face="Times New Roman">, by emailing Piper Sandler &amp; Co. at </FONT></B><B><FONT size=2 face="Times New Roman">fsg-dcm@psc.com</FONT></B><B><FONT size=2 face="Times New Roman">, by contacting Raymond James, Attention: Equity Syndicate, 880 Carillon Parkway, St. Petersburg, Florida 33716, by telephone at (800) 248-8863 or by e-mail at </FONT></B><B><FONT size=2 face="Times New Roman">prospectus@raymondjames.com</FONT></B><B><FONT size=2 face="Times New Roman">, or by emailing </FONT></B><B><FONT size=2 face="Times New Roman">FISyndicate@stephens.com</FONT></B><B><FONT size=2 face="Times New Roman">.</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">This pricing term sheet is qualified in its entirety by reference to the Preliminary Prospectus Supplement. The information in this pricing term sheet supplements the Preliminary Prospectus Supplement and supersedes the information in the Preliminary Prospectus Supplement to the extent it is inconsistent with the information in the Preliminary Prospectus Supplement. Other information (including other financial information) presented in the Preliminary Prospectus Supplement is deemed to have changed to the extent affected by the information contained herein. Capitalized terms used in this pricing term sheet but not defined have the meanings given them in the Preliminary Prospectus Supplement.</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">ANY DISCLAIMERS OR OTHER NOTICES THAT MAY APPEAR BELOW ARE NOT APPLICABLE TO THIS COMMUNICATION AND SHOULD BE DISREGARDED. SUCH DISCLAIMERS OR OTHER NOTICES WERE AUTOMATICALLY GENERATED AS A RESULT OF THIS COMMUNICATION BEING SENT VIA BLOOMBERG OR ANOTHER EMAIL SYSTEM.</FONT></B></P><HR noshade align="center" width="100%" size=2>



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