<SEC-DOCUMENT>0001206774-22-001098.txt : 20220414
<SEC-HEADER>0001206774-22-001098.hdr.sgml : 20220414
<ACCEPTANCE-DATETIME>20220414160530
ACCESSION NUMBER:		0001206774-22-001098
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20220524
FILED AS OF DATE:		20220414
DATE AS OF CHANGE:		20220414

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:	001-40751
		FILM NUMBER:		22827284

	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>co3987401-def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>

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<P style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=2><b>UNITED STATES </b></FONT><br><FONT style="FONT-FAMILY: Times New Roman" size=2><b>SECURITIES AND EXCHANGE COMMISSION<BR>Washington, D.C. 20549</b></FONT></P>
<P style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=4><b>SCHEDULE 14A</b></FONT></P>
<P STYLE="text-align: center"><FONT style="FONT-FAMILY: Times New Roman" size=2>Proxy Statement Pursuant to Section 14(a) of the Securities <BR>Exchange Act of 1934 (Amendment No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; )</FONT></P>
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  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="99%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>Filed by the Registrant [X]</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="99%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>Filed by a party other than the Registrant [&nbsp;&nbsp; ]&nbsp; </FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="99%" colSpan=3>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="99%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>Check the appropriate box:</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="99%" colSpan=3>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD vAlign=top noWrap align=left width="97%"><FONT style="FONT-FAMILY: times new roman" size=2>Preliminary Proxy Statement</FONT></TD></TR>
  <TR style="LINE-HEIGHT: normal" vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="97%"><FONT style="FONT-FAMILY: times new roman" size=2><B>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</B></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[X]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="97%"><FONT style="FONT-FAMILY: times new roman" size=2>Definitive Proxy Statement</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="97%"><FONT style="FONT-FAMILY: times new roman" size=2>Definitive Additional Materials</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%" ><FONT size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%" >&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="97%" ><FONT size=2>Soliciting Material under &sect;240.14a-12</FONT></TD></TR></TABLE><BR>
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    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="94%"><FONT style="FONT-FAMILY: times new roman" size=2><STRONG>ConnectOne Bancorp, Inc.</STRONG></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: center" width="3%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" width="94%"><FONT style="FONT-FAMILY: times new roman" size=2>(Name of Registrant as Specified In Its Charter)</FONT></TD>
    <TD style="TEXT-ALIGN: center" width="3%">&nbsp;</TD></TR>
  <TR>
    <TD width="3%"></TD>
    <TD width="94%">&nbsp; </TD>
    <TD width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="94%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD></TR>
  <TR>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="94%">
      <P align=center><FONT style="FONT-FAMILY: times new roman" size=2>(Name
      of Person(s) Filing Proxy Statement, if other than the
      Registrant)</FONT></P></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD></TR></TABLE><BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

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    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: left; width: 100%"><FONT style="FONT-FAMILY: times new roman" size=2>Payment of Filing Fee (Check all boxes that apply):</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD STYLE="vertical-align: top; white-space: nowrap; text-align: left; width: 1%"><FONT style="FONT-FAMILY: times new roman" size=2>[X]</FONT></TD>
    <TD STYLE="vertical-align: top; white-space: nowrap; text-align: right; width: 1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; white-space: nowrap; text-align: left; width: 98%"><FONT style="FONT-FAMILY: times new roman" size=2>No fee required</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left; width: 1%">
      <P STYLE="text-align: left"><FONT style="FONT-FAMILY: times new roman" size=2><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></FONT></P></TD>
    <TD STYLE="vertical-align: top; text-align: right; width: 1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: left; width: 98%">
      <P><FONT style="FONT-FAMILY: times new roman" size=2>Fee paid previously with preliminary materials</FONT></P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left; width: 1%">
      <P STYLE="text-align: left"><FONT style="FONT-FAMILY: times new roman" size=2><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></FONT></P></TD>
    <TD STYLE="vertical-align: top; text-align: right; width: 1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: left; width: 98%">
      <P><FONT style="FONT-FAMILY: times new roman" size=2>Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11</FONT></P></TD></TR></TABLE><BR>

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<P align=center><IMG border=0 src="co3987401-def14a1x3x1.jpg"></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">301 Sylvan Avenue<BR>Englewood Cliffs, New Jersey 07632</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman" style="border-top: 1pt solid; border-bottom: 1pt solid; padding: 1pt">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</FONT></B></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">To Be Held on May 24, 2022</FONT></P>

<P style="TEXT-ALIGN: justify; TEXT-INDENT: 15pt"><B><FONT size=2 face="Times New Roman">NOTICE IS HEREBY GIVEN </FONT></B><FONT size=2 face="Times New Roman">that the Annual Meeting (the &#8220;Annual Meeting&#8221;) of ConnectOne Bancorp, Inc. (the &#8220;Company&#8221;), the holding company for ConnectOne Bank (the &#8220;Bank&#8221;), will be held via webcast on May 24, 2022 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:</FONT></P>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=2 face="Times New Roman">1.</FONT></TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman">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>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt">&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman"></FONT></TD></TR>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=2 face="Times New Roman">2</FONT>.</TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman">To vote, on an advisory basis, to approve the executive compensation of the Company&#8217;s named executive officers, as described in this proxy statement;</FONT></TD></TR>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt">&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman"></FONT></TD></TR>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=2 face=Arial>3</FONT>.</TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman">To ratify the appointment of Crowe LLP as the Company&#8217;s independent registered public accountants for the fiscal year ending December 31, 2022; and</FONT></TD></TR>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt">&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman"></FONT></TD></TR>

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   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=2 face="Times New Roman">4</FONT>.</TD>

   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT size=2 face="Times New Roman">Such other business as shall properly come before the Annual Meeting.</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P>

<P STYLE="text-indent: 15pt; text-align: justify"><FONT size=2 face="Times New Roman">Due to the continuing impact of the COVID-19 virus and its variants, 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 </FONT><U><FONT size=2 face="Times New Roman">www.virtualshareholdermeeting.com/CNOB2022</FONT></U><U><FONT size=2 face="Times New Roman">. </FONT></U><FONT size=2 face="Times New Roman">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="text-indent: 15pt; text-align: justify"><FONT size=2 face="Times New Roman">Only holders of record of shares of the Company&#8217;s common stock (the &#8220;Common Stock&#8221;) at the close of business on April 6, 2022 will be entitled to vote at the Annual Meeting.</FONT></P>

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<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT>&nbsp;</P>

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   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Very truly yours,</FONT></P></TD>
    <TD STYLE="width: 20%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">
   <IMG border=0 src="co3987401-def14a1x4x1.jpg"></FONT></TD>
    <TD>&nbsp;</TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman" style="font-variant:small-caps">Frank</FONT>&nbsp;<FONT size=2 face="Times New Roman" style="font-variant:small-caps">Sorrentino</FONT>&nbsp;<FONT size=2 face="Times New Roman">III</FONT></TD>
    <TD>&nbsp;</TD></TR>

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   <TD STYLE="white-space: nowrap; text-align: left"><I><FONT size=2 face="Times New Roman">Chairman of the Board of Directors</FONT></I></TD>
    <TD>&nbsp;</TD></TR></TABLE>
</DIV>

<P style="MARGIN: 0px"></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Englewood Cliffs, New Jersey<BR>April 14, 2022</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">Important notice regarding the availability of Proxy Materials for the Annual Meeting of<BR>Shareholders to be held on May 24, 2022.</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: justify"><FONT size=2 face="Times New Roman">We are distributing our proxy materials to shareholders via the U.S. Securities and Exchange Commission&#8217;s &#8220;Notice and Access&#8221; 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 &#8220;Notice of Internet Availability&#8221;) beginning on or about April 14, 2022, 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, 2021. 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.</FONT></P>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">CONNECTONE BANCORP, INC.</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">PROXY STATEMENT FOR ANNUAL MEETING OF<BR>SHAREHOLDERS TO BE HELD ON MAY 24, 2022</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">This Proxy Statement is being furnished to shareholders of ConnectOne Bancorp, Inc. (the &#8220;Company&#8221;) 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 24, 2022. We are holding our Annual Meeting via webcast to help ensure the health and safety of our shareholders, employees and directors due to the impact of the COVID-19 virus and its variants. 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:</FONT></P>

<P style="TEXT-ALIGN: center"><U><FONT size=2 face="Times New Roman">www.virtualshareholdermeeting.com/CNOB2022.</FONT></U></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">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, 2022 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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">About the Annual Meeting</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Why have I received these materials?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The accompanying proxy is solicited by the Board of Directors of ConnectOne Bancorp, Inc. (referred to throughout this Proxy Statement as the &#8220;Company&#8221; or &#8220;we&#8221;), the holding company for ConnectOne Bank, in connection with our Annual Meeting that will take place virtually on May 24, 2022. You are cordially invited to electronically participate in the Annual Meeting and are requested to vote on the proposals described in this Proxy Statement.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Who is entitled to vote at the Annual Meeting?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Holders of Common Stock as of the close of business on April 6, 2022, will be entitled to vote at the </FONT><FONT size=2 face="Times New Roman">Annual Meeting. On April 6, 2022, there were outstanding and entitled to vote 39,464,678 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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">How do I vote my shares at the Annual Meeting?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">If you are a &#8220;record&#8221; shareholder of Common Stock (that is, if you hold Common Stock in your own name as of April 6, 2022 on the Company&#8217;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:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD><TD vAlign=top width="99%"><FONT size=2 face="Times New Roman">Telephone voting, by dialing the toll-free number and following the instructions on your proxy card;</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Times New Roman">Internet voting, by accessing the Internet at the web address stated on the proxy card and following the instructions; or</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Times New Roman">Vote by 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="TEXT-ALIGN: center"><FONT size=2 face=Arial>1</FONT></P>

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<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">If you hold your shares in &#8220;street name&#8221;, i.e., through a broker or other custodian, you must follow the voting instructions provided to you by your broker or custodian.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Can I change my vote after I return my proxy card?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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:</FONT></P>


<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD><TD vAlign=top width="99%"><FONT size=2 face="Times New Roman">voting again by telephone or the Internet, or completing a new proxy card with a later date &#8211; your latest vote will be counted;</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Times New Roman">filing with the Secretary of the Company written notice of such revocation; or</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Times New Roman">participating in the virtual Annual Meeting and voting online during the meeting.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">What constitutes a quorum for purposes of the Annual Meeting?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Why is it important to vote my shares?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">What vote is required to approve each item?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Pursuant to the New Jersey Business Corporation Act (&#8220;NJBCA&#8221;), directors are elected by the affirmative vote of a plurality of the votes cast. Notwithstanding the foregoing, in accordance with the Company&#8217;s Bylaws, each of the Company&#8217;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&#8217;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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The nonbinding resolution with respect to executive compensation, 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.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>2</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Summary of the Proposals</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">How does the Board recommend that I vote my shares?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s recommendation is set forth together with the description of each item in this Proxy Statement. In summary, the Board recommends a vote:</FONT></P>

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<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD><TD vAlign=top width="99%"><B><FONT size=2 face="Times New Roman">FOR </FONT></B><FONT size=2 face="Times New Roman">the directors&#8217; nominees to the Board of Directors;</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><B><FONT size=2 face="Times New Roman">FOR </FONT></B><FONT size=2 face="Times New Roman">approval of the non-binding resolution with respect to executive compensation;</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><B><FONT size=2 face="Times New Roman">FOR </FONT></B><FONT size=2 face="Times New Roman">ratification of the appointment of Crowe LLP as the Company&#8217;s independent registered public accountants for the fiscal year ending December 31, 2022.</FONT></TD></TR></TABLE>


<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Who will bear the expense of soliciting proxies?</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>

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<!--PART 02-->
<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">PROPOSAL 1 - ELECTION OF DIRECTORS</FONT></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">Our twelve continuing directors have significant and varied operational, financial, risk, technology, corporate governance, leadership and other experience, and possess diversity of thought, gender and race. Over the past several years, we have enhanced the industry and Company-specific knowledge of our Board of Directors with fresh perspectives brought by our new directors. We believe that our directors are active and engaged and have the skills necessary to guide the Company as it grows, as our business strategy and the banking industry around us continue to evolve and as the financial services sector becomes ever more competitive.</FONT></P>
<P style="TEXT-ALIGN: left"><B><U><FONT size=2 face="Times New Roman">Board Refreshment; Process for Identifying and Evaluating Nominees</FONT></U></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">The Board continually seeks to refresh and improve its composition and has added new directors both as a result of the acquisition of other insured institutions and through searches when it was determined that different skill sets or points of view were needed for the Board. Pursuant to the Nominating and Corporate Governance Committee Charter as approved by the Board, the Nominating and Corporate Governance Committee (the &#8220;</FONT><B><U><FONT size=2 face="Times New Roman">NCG</FONT></U></B><FONT size=2 face="Times New Roman">&#8221;) Committee is charged with the central role in the process relating to director nominations, including identifying, interviewing and selecting individuals who may be nominated for election to the Board of Directors. As part of the Board&#8217;s commitment to refreshment, a mandatory retirement age of 75 for directors has been adopted.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">Since 2018, we have had four (4) new members join our Board of Directors.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">The process the NCG Committee follows when it identifies and evaluates individuals to be nominated for election to the Board of Directors is as follows:</FONT></P>
<P style="TEXT-ALIGN: left"><I><U><FONT size=2 face="Times New Roman">Identification</FONT></U></I></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">Candidates to serve on the Board will be identified from all available sources, including recommendations made by shareholders. The NCG Committee&#8217;s charter provides that there will be no differences in the manner in which the NCG Committee evaluates nominees recommended by shareholders and nominees recommended by the NCG 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:</FONT></P>
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<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">a review of the information provided to the NCG Committee by the proponent of the candidate;</TD></TR>
<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">if requested, a review of reference letters from at least two sources determined to be reputable by the NCG Committee; and</TD></TR>
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   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">a personal interview of the candidate, together with a review of such other information as the NCG Committee shall determine to be relevant.</TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><I><U><FONT size=2 face="Times New Roman">Evaluation</FONT></U></I></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">The NCG Committee, in evaluating potential director candidates, conducts a check of the individual&#8217;s background, interviews the candidate, and determines whether the candidate is eligible and qualified for service on the Board of Directors by evaluating the candidate under the selection criteria set forth above.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=1 face=Arial>&nbsp;</FONT><FONT size=2 face=Arial>4</FONT></P>
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<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The biography of each of the nominees below contains information regarding the person&#8217;s tenure as a director, business experience, other director positions held currently or at any time during the last five years, information regarding involvement in certain legal or administrative proceedings, if applicable, and the experiences,</FONT><FONT size=2 face="Times New Roman">qualifications, attributes or skills that caused the NCG Committee and the Board to determine that the person should serve as a director for the Company. The Board of Directors has determined that the Board as a whole must have the right diversity and complementary mix of characteristics and skills for the optimal functioning of the Board in its oversight of the Company. The Company considers the following requirements for each of its members of the Board:</FONT></P>
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<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; width: 1%; text-align: right; padding-right: 8pt; padding-left: 15pt"><FONT size=2 face="Times New Roman">1)</FONT></TD>
   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">Experience: Current and past work and Board experience; knowledge of the banking industry and financial services companies; familiarity with the operations of public companies; and business and management experience and acumen.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: top; text-align: right; padding-right: 8pt; padding-left: 15pt">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; width: 1%; text-align: right; padding-right: 8pt; padding-left: 15pt"><FONT size=2 face="Times New Roman">2)</FONT></TD>
   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">Personal characteristics: Ability to work collaboratively with management and as a member of the Board; ability to think strategically and develop a strategic vision or central idea for the Company; familiarity with and participation in the local businesses and the communities served by the Bank; integrity, accountability and independence.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: top; text-align: right; padding-right: 8pt; padding-left: 15pt">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; width: 1%; text-align: right; padding-right: 8pt; padding-left: 15pt"><FONT size=2 face="Times New Roman">3)</FONT></TD>
   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">Director commitment: Time and effort available to devote to being a director; awareness and ongoing education; attendance at Board and committee meetings and other Company functions; other board commitments; stock ownership; changes in professional responsibilities; and length of service.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: top; text-align: right; padding-right: 8pt; padding-left: 15pt">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; width: 1%; text-align: right; padding-right: 8pt; padding-left: 15pt"><FONT size=2 face="Times New Roman">4)</FONT></TD>
   <TD vAlign=top width="99%" align=left><FONT size=2 face="Times New Roman">Team and Company considerations: Balancing director contributions; diversity of skills; and financial condition.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><I><U><FONT size=2 face="Times New Roman">Board Performance Evaluations</FONT></U></I></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">The NCG Committee and the Board believes that an effective director evaluation process enables it to gain insights into the effectiveness of the Board, its committees and its individual members, with the goal of continually enhancing Board performance. In this regard, each year the Board, through the NCG Committee conducts an evaluation of the performance, effectiveness and fulfillment of fiduciary duties of the Board as a whole, and of the performance of each member of the Board. The Board evaluation process generally comprises:</FONT></P>
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<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">an annual, overall board evaluation;</TD></TR>
<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">an annual, individual director evaluation; and</TD></TR>
<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">a background and skills matrix questionnaire.</TD></TR></TABLE>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The evaluation is accomplished through completion of a written questionnaire by each director. The responses are provided to the NCG Committee, on an anonymous basis, and then shared with the full Board, also on an anonymous basis.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Board adopted a skills matrix that represents certain skills that the Board identified as particularly valuable to the effective oversight of the Company and execution of its business. The following matrix shows those skills and the number of directors having each skill, highlighting the diversity of skills on the Board, and the table below shows the length of tenure of our Board members.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>
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   <IMG border=0 src="co3987401-def14aa2x3x5.jpg"></TD>
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   <TD STYLE="border-top: Black 1pt solid; padding: 10pt 6pt 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center; vertical-align: bottom">
   <IMG border=0 src="co3987401-def14aa2x3x12.jpg"></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Human Capital</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">X</FONT></TD>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Business/Market Knowledge</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Risk Management</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Public Company Governance</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Financial Services Industry</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Finance, Audit &amp; Tax</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Large Complex Organization</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Mergers &amp; Acquisition</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Capital Markets</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Technology &amp; Cybersecurity</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Non-Financial Regulated<BR>Experience</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 4pt; white-space: nowrap; text-align: left; padding-top: 2pt; padding-bottom: 2pt"><FONT size=2 face="Times New Roman">Government Relations</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: middle"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 6pt; border-top: Black 1pt solid; vertical-align: middle; white-space: nowrap; text-align: center; background-color: rgb(242,242,242)"><FONT size=2 face="Times New Roman">X</FONT></TD>
   <TD STYLE="border: Black 1pt solid; padding: 2pt 6pt; white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman">X</FONT></TD></TR></TABLE>
<BR>
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   <TD COLSPAN="2" STYLE="border: Black 1pt solid; padding-top: 1pt; text-align: left; padding-bottom: 1pt"><FONT size=2 face="Times New Roman"></FONT>

   <P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">Director Tenure</FONT></P></TD></TR>
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   <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1pt 4pt; width: 49%; text-align: left"><FONT size=2 face="Times New Roman">Less than 8 Years</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 1pt; width: 50%; text-align: center; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">10</FONT></TD></TR>
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   <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1pt 4pt; text-align: left"><FONT size=2 face="Times New Roman">8 &#8211; 15 Years</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 1pt; text-align: center; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">1</FONT></TD></TR>
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   <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 1pt 4pt; text-align: left"><FONT size=2 face="Times New Roman">More than 15 Years</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 1pt; text-align: center; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">1</FONT></TD></TR>
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   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding: 1pt 4pt; text-align: left; border-left: Black 1pt solid; border-right: Black 1pt solid"><FONT size=2 face="Times New Roman"></FONT>

   <P style="TEXT-ALIGN: left"><FONT size=1 face="Times New Roman">* Does not include prior service as a director of an acquired financial institution</FONT><FONT size=2 face="Times New Roman">.</FONT></P></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Diversity</FONT></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">Although we have not adopted a formal policy on diversity, the Board looks to promote corporate social responsibility and diversity when selecting candidates for Board service. 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. While education and skills are important factors, we also consider how candidates will contribute to the overall balance of the Board, so that we will benefit from directors with different perspectives, varying viewpoints and wide-ranging backgrounds and experiences. We view and define diversity in its broadest sense, which includes gender, ethnicity, education, experience and leadership qualities.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>6</FONT></P>
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<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">As part of these efforts to promote corporate social responsibility, the following graphics summarize certain demographic characteristics of the Board of Directors:</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Total Number of Directors: Twelve (12)</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: normal; border-collapse: collapse; width: 100%">

<TR STYLE="vertical-align: bottom; background-color: rgb(217,217,217)">
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 20%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">PART 1 &#8211; Gender<BR>Identity</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 20%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Female</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 20%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Male</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 20%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Non-Binary</FONT></B></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; width: 20%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Did Not Disclose<BR>Gender</FONT></B></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman"># of Directors</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">1</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">11</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(217,217,217)">
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">PART II:<BR>Demographic<BR>Background</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"></TD></TR>

<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">African American<BR>or Black</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">1</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Alaskan Native or<BR>Native American</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Asian</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Hispanic or Latinx</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Native Hawaiian<BR>or Pacific Islander</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">White</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">1</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">10</FONT></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Two or more<BR>Races or<BR>Ethnicities</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; border-top: Black 1pt solid; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD>
   <TD STYLE="border: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR></TABLE>

<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="border-left: Black 1pt solid; padding: 2pt 4pt; width: 50%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">LBGTQ+</FONT></B></TD>
   <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; width: 50%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; width: 50%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Did Not Disclose Demographic Background</FONT></B></TD>
   <TD STYLE="border: Black 1pt solid; padding: 2pt 4pt; width: 50%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman">0</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Nominees for Director</FONT></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">For 2022, 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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">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 2023 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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">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.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>7</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">NOMINEES FOR ELECTION</FONT></B></P>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 30%; text-align: left"><B><FONT size=2 face="Times New Roman">Name and Position with<BR>Company</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 5%; text-align: center"><B><FONT size=2 face="Times New Roman">Age</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 45%; text-align: left"><B><FONT size=2 face="Times New Roman">Principal Occupation for Past Five Years</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 20%; text-align: left"><B><FONT size=2 face="Times New Roman">Term of Office<BR>Since - Expires</FONT></B></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Frank Sorrentino III, Chairman of the Board and CEO</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">60</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Chairman of the Board &amp; Chief Executive Officer of the Company and the Bank.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2014 &#8211; 2022</FONT></P></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Frank W. Baier, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">56</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Executive Vice President and Chief Financial Officer of Continental Grain Company, a diversified operating and investment company.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2014 &#8211; 2022</FONT></P></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Stephen T. Boswell, Lead Independent Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">68</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">President &amp; Chief Executive Officer of Boswell Engineering.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2014 &#8211; 2022</FONT></P></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Frank Huttle III, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">68</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">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. 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.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2014 &#8211;2022</FONT></P></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Michael Kempner, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">64</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">President &amp; Chief Executive Officer, MWWPR.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2014 &#8211; 2022</FONT></P></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Nicholas Minoia, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">66</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">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></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2009 &#8211; 2022</FONT></P></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Anson M. Moise, M.D., Nominee</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">42</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Member, Governing Board of Health East Ambulatory Surgical Center; Attending Physician, Englewood Hospital Medical Center; Chairman, YourDrs, a telemedicine software enterprise; Attending Physician, Holy Name Medical Center; Owner &amp; Medical Director, Health East Medical Alliance, Medical Director, Health East Ambulatory Surgical Center; formerly attending physician at Hackensack University Medical Center.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2021 &#8211; 2022</FONT></P></TD></TR>
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   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Katherin Nukk-Freeman, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">53</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Co-founder of Nukk-Freeman &amp; Cerra PC, a law firm specializing in labor and employment law.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2018 &#8211; 2022</FONT></P></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P><FONT size=2 face="Times New Roman">Joseph Parisi, Jr., Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P><FONT size=2 face="Times New Roman">62</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 8pt; vertical-align: top; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Chairman of the Board and CEO of Otterstedt Insurance Agency;</FONT></P></TD>
   <TD STYLE="border: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2014 &#8211;2022</FONT></P></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>8</FONT></P>
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<BR>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 30%; text-align: left"><B><FONT size=2 face="Times New Roman">Name and Position with<BR>Company</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 5%; text-align: center"><B><FONT size=2 face="Times New Roman">Age</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 45%; text-align: left"><B><FONT size=2 face="Times New Roman">Principal Occupation for Past Five Years</FONT></B></TD>
   <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: top; width: 20%; text-align: left"><B><FONT size=2 face="Times New Roman">Term of Office<BR>Since - Expires</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; vertical-align: middle; width: 30%; text-align: left; padding: 2pt 4pt; border-left: Black 1pt solid">

   <P align=left><FONT size=2 face="Times New Roman">Daniel Rifkin, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; vertical-align: middle; width: 5%; text-align: center; padding: 2pt 4pt; border-left: Black 1pt solid">

   <P align=center><FONT size=2 face="Times New Roman">51</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Managing Partner of Rifkin &amp; Company, CPA&#8217;s, LLP; President of PayServ Corporation; former Vice Chairman of Greater Hudson Bank.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2019 - 2022</FONT></P></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1pt solid; vertical-align: middle; width: 30%; text-align: left; padding: 2pt 4pt; border-left: Black 1pt solid">

   <P align=left><FONT size=2 face="Times New Roman">Mark Sokolich, Director</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; vertical-align: middle; width: 5%; text-align: center; padding: 2pt 4pt; border-left: Black 1pt solid">

   <P align=center><FONT size=2 face="Times New Roman">58</FONT></P></TD>
   <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; width: 45%; text-align: justify">

   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Mayor of Fort Lee, New Jersey; Managing Partner of Law Office of Mark J. Sokolich, a real estate, zoning and commercial law firm.</FONT></P></TD>
   <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">2020 -2022</FONT></P></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 30%; text-align: left">

   <P align=left><FONT size=2 face="Times New Roman">William A. Thompson, Director</FONT></P></TD>
   <TD STYLE="border-bottom: Black 1pt solid; border-top: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 5%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">64</FONT></P></TD>
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   <P STYLE="text-align: justify"><FONT size=2 face="Times New Roman">Managing Director, Spencer Pierce Capital LLC (investment bank) (2015 &#8211; present).</FONT></P></TD>
   <TD STYLE="border: Black 1pt solid; padding: 2pt 4pt; vertical-align: middle; width: 20%; text-align: center">

   <P align=center><FONT size=2 face="Times New Roman">1994 &#8211; 2022</FONT></P></TD></TR></TABLE>

<P>____________________</P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><FONT size=2 face="Times New Roman">The Company encourages all directors to attend the Company&#8217;s annual meeting. Each then current member of the Company&#8217;s Board of Directors participated in the Company&#8217;s 2021 virtual Annual Meeting of Shareholders.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Required Vote</FONT></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><B><FONT size=2 face="Times New Roman">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 &#8220;WHAT VOTE IS REQUIRED TO APPROVE EACH ITEM?&#8221; ABOVE.</FONT></B></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Recommendation</FONT></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><B><FONT size=2 face="Times New Roman">THE BOARD OF DIRECTORS RECOMMENDS THAT THE SHAREHOLDERS VOTE &#8220;FOR&#8221; THE NOMINEES SET FORTH ABOVE.</FONT></B></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>9</FONT></P>
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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">CERTAIN INFORMATION ABOUT THE BOARD OF DIRECTORS</FONT></B></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Frank Sorrentino III, Chairman of the Board and Chief Executive Officer, 60: </FONT></I><FONT size=2 face="Times New Roman">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. (&#8220;Legacy ConnectOne&#8221;) on July 1, 2014 (the &#8220;Merger&#8221;). 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 founding organizer 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&#8217;s senior executive officer, his insight on the Company&#8217;s operations is invaluable to the Board.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Stephen T. Boswell, Lead Independent Director, 68: </FONT></I><FONT size=2 face="Times New Roman">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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Frank W. Baier, Director, 56: </FONT></I><FONT size=2 face="Times New Roman">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&#8217;s extensive background and understanding of finance proves invaluable to the Board.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Frank Huttle III, Director, 68: </FONT></I><FONT size=2 face="Times New Roman">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 &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&#8217;s extensive experience in the insurance, mortgage banking and real estate industries provides valuable insight to the Board.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Michael Kempner, Director, 64: </FONT></I><FONT size=2 face="Times New Roman">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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Nicholas Minoia, Director, 66: </FONT></I><FONT size=2 face="Times New Roman">Mr. Minoia&#8217;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.</FONT></P>
<P style="TEXT-ALIGN: left; TEXT-INDENT: 15PT"><I><FONT size=2 face="Times New Roman">Anson M. Moise, M.D., Director</FONT></I><FONT size=2 face="Times New Roman">, 42: 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 Inc., a telemedicine software company, and an owner of Health East Medical Alliance. He previously served as the Medical Director, Pain Specialists of New York &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, and is deeply committed to the community through his medical practice and affiliations with medical organizations and associations. In addition, his viewpoints and experiences will help the Board better ensure that the Company serves all communities in its trade area. These factors led the Nominating and Corporate Governance Committee to conclude that Dr. Moise would make a valuable contribution to the Board.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>10</FONT></P>
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<!--PART 03-->
<P STYLE="text-indent: 15pt; text-align: left"><I><FONT size=2 face="Times New Roman">Katherin Nukk-Freeman, Director, 53, </FONT></I><FONT size=2 face="Times New Roman">Ms. Nukk-Freeman is the co-founder of Nukk-Freeman &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 </FONT><FONT size=2 face="Times New Roman">New York Society of Security Analysts</FONT><FONT size=2 face="Times New Roman"> (2010-2016), the Advisory Board of the Healthcare Businesswomen&#8217;s Association (2009 - 2019), as General Counsel to The Healthcare Marketing &amp; Communications Council (2005 &#8211; 2009), on the Board of Trustees, Susan G. Komen Breast Cancer Foundation, Human Resources Committee (2004 &#8211; 2010), the Board of Trustees, The New Jersey Symphony Orchestra; Human Resources Committee (1999-2008) and the Board of Directors of the Commerce and Industry Association of New Jersey (2013 &#8211; 2016). Ms. Nukk-Freeman&#8217;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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><I><FONT size=2 face="Times New Roman">Joseph Parisi, Jr., Director, 62: </FONT></I><FONT size=2 face="Times New Roman">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></P>

<P STYLE="text-indent: 15pt; text-align: left"><I><FONT size=2 face="Times New Roman">Daniel Rifkin, Director, 51: </FONT></I><FONT size=2 face="Times New Roman">Mr. Rifkin has been a certified public accountant since 1993 and, since 1999, has served as the Managing Partner of Rifkin &amp; Company, 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&#8217;s expertise in accounting matters, and as the proprietor of locally owned businesses, provides him with unique perspective valuable to the Company&#8217;s Board.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><I><FONT size=2 face="Times New Roman">Mark Sokolich, Director, 58: </FONT></I><FONT size=2 face="Times New Roman">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&#8217;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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><I><FONT size=2 face="Times New Roman">William A. Thompson, Director, 64: </FONT></I><FONT size=2 face="Times New Roman">Mr. Thompson&#8217;s management and business experience led the Board to conclude that Mr. Thompson should serve as a director.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">11</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">INFORMATION ABOUT THE BOARD OF DIRECTORS AND MANAGEMENT</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Security Ownership of Management</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table sets forth information as of April 6, 2022 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&#8217;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&#8217;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.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Percentage of</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Shares of</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Common Stock</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Common Stock</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Beneficially Owned</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><B><FONT size=2 face="Times New Roman">Directors:</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <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="3%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 772,359</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(1)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>1.96</FONT></TD>

   <TD width="1%" noWrap align=left><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">Frank W. Baier</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">95,718</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.24</FONT></TD>

   <TD width="1%" noWrap align=left><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">Stephen T. Boswell</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">290,881</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(2)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.74</FONT></TD>

   <TD width="1%" noWrap align=left><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">Frank Huttle III</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">175,225</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(3)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.44</FONT></TD>

   <TD width="1%" noWrap align=left><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">Michael Kempner</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">358,674</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(4)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.91</FONT></TD>

   <TD width="1%" noWrap align=left><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">Nicholas Minoia</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">54,014</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(5)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.14</FONT></TD>

   <TD width="1%" noWrap align=left><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">Anson Moise</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">1,605</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.00</FONT></TD>

   <TD width="1%" noWrap align=left><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">Katherin Nukk-Freeman</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">12,865</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(6)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.03</FONT></TD>

   <TD width="1%" noWrap align=left><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">Joseph Parisi Jr.</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">217,915</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(7)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.55</FONT></TD>

   <TD width="1%" noWrap align=left><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">Daniel Rifkin</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">204,113</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(8)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.52</FONT></TD>

   <TD width="1%" noWrap align=left><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">Mark Sokolich</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">89,115</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.23</FONT></TD>

   <TD width="1%" noWrap align=left><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">William A. Thompson</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">101,942</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(9)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.26</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD width="90%" noWrap align=left><B><FONT size=2 face="Times New Roman">Executive Officers Who Are Not</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="90%" noWrap align=left><B><FONT size=2 face="Times New Roman">Directors:</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" 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="3%" noWrap align=right><FONT size=2 face="Times New Roman">97,130</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.25</FONT></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">41,222</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.10</FONT></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">100,818</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(10)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">0.26</FONT></TD>

   <TD width="1%" noWrap align=left><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">Laura Criscione</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">90,581</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(11)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face="Times New Roman">0.23</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><B><FONT size=2 face="Times New Roman">As a Group (16 persons)</FONT></B></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 2pt double"><FONT size=2 face="Times New Roman">2,704,167</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 2pt double"><FONT size=2 face="Times New Roman">6.58</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">%</FONT></TD></TR></TABLE>
<BR>

<div align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="60%" border=0>



<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" noWrap align=left><B><FONT size=2 face="Times New Roman">5% Shareholders:</FONT></B></TD>

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

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

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

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="100%" noWrap align=left><FONT size=2 face="Times New Roman">Black Rock, Inc.</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">2,872,220</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(12)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">7.28</FONT></TD>

   <TD width="1%" noWrap align=left><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">Dimensional Fund Advisors LP</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">2,336,433</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman"><SUP>(13)</SUP>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">5.92</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">%</FONT></TD></TR></TABLE></div>
<div>____________________</div><BR>


<TABLE style="BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(1)</FONT></TD>

   <TD STYLE="width: 99%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">Includes 46,925 shares held in the name of Morgan Stanley f/b/o Frank Sorrentino III, IRA, and (ii) 416 shares held by Mr. Sorrentino&#8217;s spouse in her IRA Account.</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(2)</FONT></TD>

   <TD STYLE="width: 99%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">Includes (i) 237,354 held by an irrevocable trust for benefit of Mr. Boswell&#8217;s spouse and descendants (of which the reporting person's spouse, adult daughter and unrelated third person are trustees), and to which Mr. Boswell has no economic interest and (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).</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">12</FONT></P>

<HR align=center width="100%" noShade size="2">



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<BR>

<TABLE style="BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(3)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">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&#8217;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.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(4)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes (i) 1,578 shares purchasable upon the exercise of stock options and (ii) 277,066 common shares pledged as collateral for a loan.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(5)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes (i) 1,056 shares owned jointly an unaffiliated third-party, and (ii) 6,946 shares purchasable upon the exercise of stock options.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(6) </FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes (i) 2,500 shares held jointly with spouse and (ii) 2,250 shares held by Mrs. Nukk-Freeman's spouse in his IRA Account.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(7)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes (i) 37,869 shares held in the name of Otterstedt Insurance Agency, of which Mr. Parisi is part owner and (ii) 8,038 shares held by Mr. Parisi as custodian for his children.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(8)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes (i) 16,194 shares held in the name of Stifel Nicolaus f/b/o Daniel Rifkin IRA, (ii) 154,994 shares owned jointly with Mr. Rifkin&#8217;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: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(9)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes (i) 6,585 shares held by Mr. Thompson&#8217;s spouse and children, and (ii) 3,000 shares purchasable upon the exercise of stock options.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
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<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(10)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes 5,158 shares purchasable upon the exercise of stock options.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(11)</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face="Times New Roman">Includes 780 shares held as custodian for Ms. Criscione&#8217;s daughter.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(12)</FONT></TD>

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

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; width: 1%; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(13)</FONT></TD>

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


<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Board of Directors; Independence; Committees</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Board of Directors held a total of fourteen (14) meetings in the year ended December 31, 2021. The Company&#8217;s policy is that all Directors make every effort to attend each meeting. For the year ended December 31, 2021, each of the Company&#8217;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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">A majority of the Board consists of individuals who are &#8220;independent&#8221; under the NASDAQ listing standards. In making this determination the Board has considered the following:</FONT></P>

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<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: left">The Company and the Bank have used Mr. Kempner&#8217;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&#8217;s total revenue (less than 1%) and Mr. Kempner&#8217;s personal income and determined that the engagement of MWW Group did not interfere with Mr. Kempner&#8217;s exercise of independent judgment in carrying out the responsibilities of a director.</TD></TR></TABLE>



<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">13</FONT></P>

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<TR>
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<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: left">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 one of the Bank&#8217;s branches, See &#8211; 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&#8217;s Summit branch and (ii) Director Rifkin owns an interest in (x) an entity which owns the Bank&#8217;s Bardonia, New York branch, and (y) an entity which owns the Bank&#8217;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.</TD></TR></TABLE>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Code of Business Conduct and Ethics</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Company periodically reviews its corporate governance policies and procedures to ensure that the Company meets the highest standards of ethical conduct, reports results with accuracy and transparency, and maintains full compliance with the laws, rules and regulations that govern the Company&#8217;s operations. As part of this periodic corporate governance review, the Board of Directors reviews and adopts best corporate governance policies and practices for the Company. The board has formally adopted corporate governance guidelines and they are available at https://ir.connectonebank.com/documents-notifications/govdocs/default.aspx.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 </FONT><I><FONT size=2 face="Times New Roman">www.connectonebank.com </FONT></I><FONT size=2 face="Times New Roman">under &#8220;About&#8221;, then &#8220;Investor Relations&#8221;, then &#8220;Documents and Notifications.&#8221;</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Committees</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Committees of Our Board of Directors</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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:</FONT></P>

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<TR vAlign=bottom>

   <TD COLSPAN="2" STYLE="padding-bottom: 2pt; width: 2%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face="Times New Roman">Committee</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-bottom: 2pt; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 2pt; width: 100%; text-align: center"><B><FONT size=2 face="Times New Roman">Membership</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD COLSPAN="2" STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">Audit and Risk Committee</FONT></TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="vertical-align: top; width: 100%; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">Frank W. Baier*, Stephen T. Boswell, Frank Huttle III, Nicholas Minoia, and Daniel Rifkin</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD COLSPAN="2" STYLE="vertical-align: top; width: 1%; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">Nominating and Corporate Governance Committee</FONT></TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="vertical-align: top; width: 100%; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">Frank Huttle III*, Nicholas Minoia, Katherin Nukk-Freeman and William A. Thompson</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD COLSPAN="2" STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">Compensation Committee</FONT></TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="vertical-align: top; width: 100%; text-align: left; padding-top: 1pt; padding-bottom: 1pt"><FONT size=2 face="Times New Roman">Stephen T. Boswell*, Katherin Nukk-Freeman, and William A. Thompson</FONT></TD></TR></table>
   <BR>
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   <TD STYLE="padding-right: 8pt; white-space: nowrap; text-align: left; background-color: White; width: 1%"><FONT size=2 face="Times New Roman">*</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White; width: 99%"><FONT size=2 face="Times New Roman">Chairman</FONT></TD>

   </TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">14</FONT></P>

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<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Audit and Risk Committee</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 2021. The Board of Directors has adopted a written charter for the Audit and Risk Committee which is available on our website at </FONT><I><FONT size=2 face="Times New Roman">www.connectonebank.com</FONT></I><FONT size=2 face="Times New Roman">. The Board has determined that Frank W. Baier, a member of Audit and Risk Committee beginning in 2018, qualifies as an &#8220;audit committee financial expert&#8221; under the Rules and Regulations of the Securities and Exchange Commission.</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Independence of Audit and Risk Committee Members</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">All members of the Audit and Risk Committee are &#8220;independent&#8221; 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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Audit and Risk Committee Report</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Audit and Risk Committee meets periodically to consider the adequacy of the Company&#8217;s financial controls and the objectivity of its financial reporting. The Audit and Risk Committee meets with the Company&#8217;s independent auditors and the Company&#8217;s internal auditors, all of whom have unrestricted access to the Audit and Risk Committee.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In connection with this year&#8217;s financial statements, the Audit and Risk Committee has reviewed and discussed the Company&#8217;s audited financial statements with the Company&#8217;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, (&#8220;Communication with Audit Committees&#8221;). We also have received the written disclosures and letters from Crowe LLP required by Independence Standards Board Standard No. 1 (&#8220;Independence Discussions with Audit Committees&#8221;), and have discussed with representatives of Crowe LLP their independence.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s Annual Report on Form 10-K for the fiscal year 2021 for filing with the U.S. Securities and Exchange Commission.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">Frank W. Baier (Chairman)<BR>Stephen T. Boswell<BR>Frank Huttle, III<BR></FONT><FONT size=2 face="Times New Roman">Nicholas Minoia<BR>Daniel Rifkin</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Compensation Committee</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">During 2021, our Compensation Committee consisted of Stephen T. Boswell, Kathern Nukk-Freeman, and William A. Thompson.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">15</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Charter</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s website at </FONT><I><FONT size=2 face="Times New Roman">www.connectonebank.com </FONT></I><FONT size=2 face="Times New Roman">under &#8220;For Shareholders&#8221; and then under &#8220;Documents and Notifications.&#8221;</FONT></P>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Authority, Processes and Procedures</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee is responsible for administering the Company&#8217;s equity compensation plans, for establishing the compensation of the Company&#8217;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&#8217;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.</FONT></P>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Independence of Compensation Committee Members</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Committee is comprised solely of independent directors.</FONT></P>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Consultants</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 (&#8220;Meridian&#8221;) as its independent compensation consultant. Meridian reports directly to the Compensation Committee and attends meetings as requested. The Compensation Committee has assessed Meridian&#8217;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:</FONT></P>



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   <TD STYLE="vertical-align: top; width: 99%; text-align: left">the Compensation Committee directly hired and has the authority to terminate Meridian&#8217;s engagement;</TD></TR>


<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left">the Compensation Committee solely determined the terms and conditions of Meridian&#8217;s engagement, including the fees charged;</TD></TR>


<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left">Meridian and its consultants have direct access to members of the Compensation Committee during and between meetings;</TD></TR>


<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left">Meridian does not provide any other services to the Company, the Bank, its directors or executives; and</TD></TR>


<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left">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.</TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Nominating Committee Matters</FONT></I></B></P>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Independence of Nominating and Corporate Governance Committee Members</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">All members of the Nominating and Corporate Governance Committee of the Board have been determined to be &#8220;independent directors&#8221; pursuant to the definition contained in NASDAQ Rule 5605.</FONT></P>



<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">16</FONT></P>

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<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Procedures for Considering Nominations Made by Shareholders</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s bylaws state that a nomination must be delivered to Company&#8217;s Corporate Secretary at the principal executive offices of the Company not later than the close of business on the 50<SUP>th </SUP>day or earlier than the close of business on the 75<SUP>th </SUP>day prior to the anniversary of the preceding year&#8217;s annual meeting; provided, however, that if less than 60 days&#8217; 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&#8217;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.</FONT></P>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Third Party Recommendations</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Compensation Committee Interlocks and Insider Participation</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">There are no compensation committee &#8220;interlocks,&#8221; 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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Board Leadership; Lead Independent Director</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Frank Sorrentino III, the Company&#8217;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&#8217;s strategy behind a single vision.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Majority Vote Requirement</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Although the NJBCA provides that elections to the Board of Directors are approved under a plurality voting standard, the Company&#8217;s has adopted a &#8220;majority voting&#8221; standard in uncontested elections in its bylaws. Pursuant thereto, each director has delivered to the Board an irrevocable resignation, which shall become effective </FONT><FONT size=2 face="Times New Roman">in the event that, in an uncontested election, such director receives fewer &#8220;for&#8221; votes than &#8220;against&#8221; or &#8220;withhold&#8221; 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&#8217;s shareholders.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">17</FONT></P>

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<!--PART 04-->
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Risk Oversight</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><I><FONT size=2 face="Times New Roman">In General</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Cyber security risks are overseen by the Bank&#8217;s IT/Technology Committee, which is a management committee consisting of the </FONT><FONT size=2 face="Times New Roman">Chief Executive Officer, Bank President, Chief Financial Officer, Chief Operations Officer, Chief Risk Officer, Chief Compliance Officer, Chief Credit Officer, Information Technology Manager and the Technology Oversight manager. The purpose of this committee is to identify and assess current information technology threats and risks, including those related to the Company&#8217;s new technology projects and ongoing strategic initiatives. On a quarterly basis, the Chief Operations Officer updates the full board of directors on the activities undertaken by the IT/Technology Committee. The Company has also established a cyber security training program, which requires every employee and member of the board to undertake annual training. The Bank&#8217;s cyber security compliance program is audited by the Bank&#8217;s outsourced internal auditor. Finally, the Bank maintains insurance which may provide coverage for expenses and certain losses incurred in connection with a cyber security incident</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Hedging and Pledging Policy</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Company considers it inappropriate for any director or officer to enter into speculative transactions in the Company&#8217;s securities to attempt to separate the economic risk of holding the Company&#8217;s securities from the ownership of the securities. The Company&#8217;s insider trading policy therefore prohibits the purchase or sale of puts, calls, options, or other derivative securities based on the Company&#8217;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. In addition, the policy prohibits directors and executive officers from pledging Company securities, either as collateral for a loan or otherwise. However, outstanding pledges as of the time the policy was amended to prohibit pledging (November 23, 2021) were grandfathered and may remain in place. The prohibitions also do not apply to a broker-assisted cashless exercise of stock options granted as part of a Company incentive plan.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">18</FONT></P>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">EXECUTIVE COMPENSATION - COMPENSATION DISCUSSION AND ANALYSIS</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee (the &#8220;Committee&#8221;) and the Company are both committed to a pay-for-performance philosophy. This Compensation Discussion &amp; Analysis (CD&amp;A) provides information about the strategies and policies developed to ensure that executive compensation is strongly correlated with the Company&#8217;s overall performance and the individual performance of our executives.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Our Named Executive Officers (NEOs) for 2021 were:</FONT></P>

<TABLE style="LINE-HEIGHT: 14PT" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></TD>

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Chairman, President, &amp; Chief Executive Officer</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns</FONT></TD>

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Senior Executive Vice President &amp; Chief Financial Officer</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis</FONT></TD>

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Bank President</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></TD>

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Executive Vice President &amp; Chief Operations Officer</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Laura Criscione</FONT></TD>

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Executive Vice President &amp; Chief Compliance Officer</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Executive Summary</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Business Results</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Fiscal year 2021 represented another successful year for the Company, as the economy began its recovery from the COVID-19 pandemic. Our employees adapted to hybrid schedules, and our customers began returning to a more normal level of business activity. The economy of our metropolitan New York trade area strengthened, but also continued to face challenges as the Omicron variant pushed COVID-19 case numbers higher in the fourth quarter and slowed economic activity.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Despite all the uncertainty in 2021, we achieved record full year results with reported net income available to common shareholders of $128.6 million. We achieved strong growth in our loan portfolio, even when excluding Paycheck Protection Program (&#8220;PPP&#8221;) loans, and in shareholders&#8217; equity and tangible book value per share, while continuing to maintain strong asset quality. We remain well positioned for continued strong performance. During 2021, we accomplished the following:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%" colSpan=2>Strong financial operating performance:</TD></TR>   <TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD COLSPAN="2" STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                          <TR> <TD vAlign=top width="1%" ></TD> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD vAlign=top width="98%" >Diluted earnings per share increased by 79.9% to $3.22 from $1.79 for 2020.</TD></TR> <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <TR> <TD vAlign=top width="1%"></TD> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD vAlign=top width="98%" >For the full-year 2021, return on assets, return on tangible common equity and the efficiency ratio were 1.66%, 17.21% and 38.3%, respectively, all significantly improved from 2020, and all in the top-tier of industry performance.</TD></TR> <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <TR> <TD vAlign=top width="1%"></TD> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD vAlign=top width="98%" >Pre-tax, pre-provision net revenue increased 27.7% in 2021 over 2020 and, for 2021, was 2.17% of average assets.</TD></TR><TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>

<TR> <TD vAlign=top width="1%"></TD> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD vAlign=top width="98%" >Our net interest margin increased to 3.66% during 2021 from 3.46% for 2020.</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%" colSpan=2>Tangible book value per share increased by 15.0% to $20.12 at year-end 2021 from $17.49 at year-end 2020.</TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD COLSPAN="2" STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%" colSpan=2>Asset quality remained strong. Our nonperforming assets ratio declined to 0.76% at year-end 2021 compared to 0.82% at year-end 2020.</TD></TR>
<TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD COLSPAN="2" STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%" colSpan=2>Our tangible common equity ratio at year-end remained strong at 10.06%, up from 9.50% at year-end 2020.</TD></TR></TABLE>







<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">19</FONT></P>

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<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">2021 Compensation Decisions in Support of our Pay for Performance Philosophy</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Company had strong operational results and success during 2021, and continued its organic growth. Our executive compensation program, practices and pay decisions are designed to be directly aligned with shareholders through rigorous stock ownership guidelines and equity based long-term incentives. As a result, our executive team is better rewarded when our stockholders see greater returns, and rewarded less when returns are not strong.</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Our Compensation Approach</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s compensation programs for its executive officers by:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left">Ensuring that our key NEO&#8217;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&#8217;s;</P></TD></TR>

<TR>

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

   <TD vAlign=top width="99%">&nbsp;</TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left">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;</P></TD></TR>

<TR>

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

   <TD vAlign=top width="99%">&nbsp;</TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left">Providing a market competitive overall compensation package so that the Company may attract, retain and reward highly qualified, motivated and productive executives; and</P></TD></TR>

<TR>

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

   <TD vAlign=top width="99%">&nbsp;</TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left">Rewarding individuals based on their responsibility and achievements within a framework that is internally equitable.</P></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Performance-Based Compensation</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 2021, our compensation targets and pay mix (targeting market median) are show below and represent our goal to provide:</FONT></P>

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<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top; width: 99%">



   <P style="TEXT-ALIGN: left">Significant portion of target pay that is at-risk and based on performance </P></TD></TR>


<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top">



   <P style="TEXT-ALIGN: left">Meaningful portion of pay that is denominated as equity</P></TD></TR>


<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top">



   <P style="TEXT-ALIGN: left">Half of our equity share grants will vest only if predetermined performance goals are achieved</P></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">20</FONT></P>

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<BR>

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<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 50%; white-space: nowrap; text-align: center">



   <P align=center><B><FONT size=2 face="Times New Roman">CEO Target Pay Mix</FONT></B></P></TD>

   <TD STYLE="vertical-align: top; width: 50%; white-space: nowrap; text-align: center">



   <P align=center><B><FONT size=2 face="Times New Roman">Other NEOs Target Pay Mix </FONT></B><B><FONT size=2 face="Times New Roman"><SUP>(1)</SUP></FONT></B></P></TD></TR>

<TR vAlign=bottom>

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: center">
   <IMG border=0 src="co3987401-def14aa4x4x1.jpg"></TD>

   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: center">
   <IMG border=0 src="co3987401-def14aa4x4x2.jpg"></TD></TR></TABLE><BR>

<TABLE style="LINE-HEIGHT: NORMAL" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; padding-right: 8pt; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">(1)</FONT></TD>

   <TD WIDTH="99%" NOWRAP STYLE="text-align: left; vertical-align: top">



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Weighted Average of the Named Executive Officers other than the Chief Executive Officer</FONT></P></TD></TR></TABLE>



<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Compensation Design Principles and Governance Best Practices</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s long-term interests.</FONT></P>


<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="font: 10pt Times New Roman; border-collapse: collapse; text-align: justify; width: 100%"> <TR> <TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD COLSPAN="2" STYLE="vertical-align: top">What We Do:</TD></TR>   <TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD COLSPAN="2" STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                       <TR> <TD STYLE="vertical-align: top; width: 1%"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top; width: 98%">Pay for Performance &#8212; We provide a significant portion of pay based on performance (short- and long-term incentives)</TD></TR> <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Sound Risk Management &#8212; We discourage excessive risk taking and have designed our incentive plans with appropriate risk-mitigating features, as well as the ability of the Committee to negatively adjust payouts</TD></TR> <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Caps on Incentives &#8212; We subject both short- and long-term incentive payments to caps</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Clawback &#8212; We have adopted a clawback policy requiring the return of incentive compensation in the event of a financial restatement</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Stock Ownership Guidelines &#8212; We require our executives and directors to own and hold significant shares in our Company</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Double-Trigger Change-in-Control (CIC) &#8212; CIC benefits pursuant to employment or change in control agreements are only paid upon a termination event following a CIC</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Independence &#8212; The Committee engages an independent compensation consultant</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Competitive Benchmarking &#8212; The Committee engages an independent consultant to benchmark our compensation practices regularly to ensure executive compensation is consistent with market and best practices</TD></TR></TABLE>





<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">21</FONT></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="font: 10pt Times New Roman; border-collapse: collapse; text-align: justify; width: 100%"> <TR> <TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&nbsp;&nbsp;&nbsp;</FONT></TD> <TD COLSPAN="2" STYLE="vertical-align: top">&nbsp;</TD></TR>   <TR> <TD STYLE="vertical-align: top; width: 1%"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top; width: 98%">Vesting Requirements &#8211; awards of restricted stock are made subject to vesting requirements, generally three years, to encourage retention of our high performing employees</TD></TR> </TABLE><br>


<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="font: 10pt Times New Roman; border-collapse: collapse; text-align: justify; width: 100%"> <TR> <TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD COLSPAN="2" STYLE="vertical-align: top">What We Don&#8217;t Do:</TD></TR>   <TR>
<TD STYLE="padding-right: 8pt; padding-left: 15pt; vertical-align: top">&nbsp;</TD><TD COLSPAN="2" STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                   <TR> <TD STYLE="vertical-align: top; width: 1%"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top; width: 98%">Tax Gross-Ups &#8212; We do not provide excise tax gross-ups on benefits or in change-in-control agreements</TD></TR> <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Stock Option Repricing &#8212; Our equity plans do not permit repricing of stock options that are out-of-the-money</TD></TR> <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Excessive Perquisites &#8212; We do not permit perquisites other than those that are business-related</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Dividends on Unvested Stock Awards&#8212; We do not pay dividends or dividend equivalents on unearned performance units or restricted stock units.</TD></TR>
<TR>
<TD STYLE="vertical-align: top">&nbsp;</TD><TD STYLE="padding-right: 8pt; vertical-align: top">&nbsp;</TD><TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR> <TD STYLE="vertical-align: top"></TD> <TD STYLE="padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD> <TD STYLE="vertical-align: top">Hedging/Pledging - Our insider trading policy prohibits the purchase or sale of puts, calls, options, or other derivative securities based on the Company&#8217;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 also prohibits our directors and executive officers from pledging Company stock as collateral for a loan or otherwise (although pledges in effect on the date the policy was amended to prohibit pledging (November 23, 2021) were grandfathered and allowed to remain in place).</TD></TR></TABLE>





<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Say on Pay/Say on Frequency</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Company solicited a shareholder advisory vote on executive compensation in 2021, which received approval of 96.9% of the shares voted. Our shareholders have annually provided an advisory vote on executive compensation, which our Compensation Committee reviews and considers each year. 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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Executive Compensation Objectives and Policies</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>



<P style="MARGIN: 0px"></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">22</FONT></P>

<HR align=center width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<BR>



<TABLE style="LINE-HEIGHT: NORMAL" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="30%" noWrap align=center><B><FONT size=2 face="Times New Roman">Compensation Component</FONT></B></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="69%" noWrap align=center><B><FONT size=2 face="Times New Roman">Purpose/Objective</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 30%; white-space: nowrap; padding-top: 2pt; text-align: left; vertical-align: top">



   <P><FONT size=2 face="Times New Roman">Base Salary</FONT></P></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-top: 2pt"></TD>

   <TD STYLE="padding-top: 2pt; width: 69%; text-align: left">


   <DIV style="FONT-SIZE: 10pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -15pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">provides a competitive level of fixed income based on role, experience and individual performance; target market median</FONT></DIV></TD></TR>
<TR STYLE="LINE-HEIGHT:6PT; vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left; vertical-align: top">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face="Times New Roman">Annual Incentive Plan</FONT></TD>
   <TD vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD vAlign=top width="98%" align=left>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 6pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -15pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">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="FONT-SIZE: 10pt; PADDING-BOTTOM: 0pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -15pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">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="LINE-HEIGHT:6PT;">
   <TD vAlign=top width="1%" noWrap>&nbsp;</TD>
   <TD vAlign=top width="1%"></TD>
   <TD vAlign=top width="98%"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face="Times New Roman">Long-Term Incentive Plan</FONT></TD>
   <TD vAlign=top width="1%" align=left></TD>
   <TD vAlign=top width="98%" align=left>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 6pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -14.5pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">aligns executives&#8217; interests with those of shareholders through equity-based compensation</FONT></DIV>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 6pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -14.5pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">rewards executives for long-term shareholder value creation</FONT></DIV>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 6pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -14.5pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">encourages retention through multiple year vesting</FONT></DIV>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 0pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -15pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">motivates and rewards executives for performance &#8211; vesting and value is tied to achievement of specific performance and/or stock price appreciation</FONT></DIV></TD></TR>
<TR STYLE="LINE-HEIGHT:6PT; background-color: Silver">
   <TD vAlign=top width="1%" noWrap>&nbsp;</TD>
   <TD vAlign=top width="1%"></TD>
   <TD vAlign=top width="98%"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face="Times New Roman">Other Benefits</FONT></TD>
   <TD vAlign=top width="1%" align=left></TD>
   <TD vAlign=top width="98%" align=left>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 0pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -14.5pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">provides a base level of competitive benefits for executive talent</FONT></DIV></TD></TR>
<TR STYLE="LINE-HEIGHT:6PT;vertical-align: bottom">
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" align=left></TD>
   <TD vAlign=top width="98%" align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD ROWSPAN="3" STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face="Times New Roman">Employment Agreements/</FONT><BR><FONT size=2 face="Times New Roman">Severance &amp; CIC</FONT><BR><FONT size=2 face="Times New Roman">Agreements</FONT></TD>
   <TD vAlign=top rowSpan=3 width="1%" align=left></TD>
   <TD vAlign=top rowSpan=3 width="98%" align=left>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 6pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -14.5pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">provides employment security to key executives</FONT></DIV>
   <DIV style="FONT-SIZE: 10pt; PADDING-BOTTOM: 0pt; TEXT-ALIGN: left; PADDING-LEFT: 15pt; TEXT-INDENT: -15pt"><FONT style="FONT-SIZE: 9.5pt; PADDING-RIGHT: 8pt">&#9679;</FONT> <FONT size=2 face="Times New Roman">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&#8217;s employment</FONT></DIV></TD></TR>
</TABLE>





<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">23</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">2021 Executive Compensation Program and Pay Decisions:</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Base Salary</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee reviews salaries each year with a goal to retain competitive positioning with the market as the Company continues to grow. The Committee considerers the benchmark data provided by its consultant, performance, experience and any unique contributions of the role(s) as appropriate. In light of the uncertainty caused by the COVID-19 pandemic, the Committee determined that base salary levels should remain unchanged from 2020 to 2021, with improved performance reflected in the executive&#8217;s bonuses. The table below summarizes the salaries effective as of January 1, 2020 and January 1, 2021:</FONT></P>

<DIV align=center>

<TABLE style="WIDTH: 60%; LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD width="86%" noWrap align=left></TD>

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

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">2021 Base</FONT></B></TD>

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

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="86%" noWrap align=center><B><FONT size=2 face="Times New Roman">Executive</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">2020 Base Salary</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Salary</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Increase</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=left></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">825,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">825,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -</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">William S. Burns</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">430,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">430,000</FONT></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=left></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=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">450,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">450,000</FONT></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=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">375,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">375,000</FONT></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=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face="Times New Roman">Laura Criscione</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">310,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">310,000</FONT></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=left></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px"></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In early 2022, based on the updated market benchmarking conducted by the Committee&#8217;s consultant, the Compensation Committee approved the following base salaries for 2022:</FONT></P>

<DIV align=center>

<TABLE style="WIDTH: 50%; LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

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

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">Percent Increase</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="90%" noWrap align=center><B><FONT size=2 face="Times New Roman">Executive</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=right><B><FONT size=2 face="Times New Roman">2022 Base Salary</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face="Times New Roman">From 2021</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=left></TD>

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

   <TD WIDTH="3%" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><FONT size=2 face="Times New Roman">900,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">9.1</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">William S. Burns</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD WIDTH="3%" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><FONT size=2 face="Times New Roman">465,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">8.1</FONT></TD>

   <TD width="1%" noWrap align=left></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=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD WIDTH="3%" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><FONT size=2 face="Times New Roman">500,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.1</FONT></TD>

   <TD width="1%" noWrap align=left></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=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD WIDTH="3%" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><FONT size=2 face="Times New Roman">390,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">4.0</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face="Times New Roman">Laura Criscione</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD WIDTH="3%" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><FONT size=2 face="Times New Roman">325,000</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face="Times New Roman">4.9</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR></TABLE></DIV>

<P style="MARGIN: 0px"></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Peer Group &amp; Competitive Benchmarking</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee typically conducts comprehensive benchmark reviews every other year. As a result, the peer group analysis and competitive benchmarking conducted in November 2019 was used to assess and set 2020 and 2021 compensation levels. Peer banks 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, that positioned the Company at the median for assets at the time of selection. Below is a list of the 2019 peer group companies.</FONT></P>

<TABLE style="LINE-HEIGHT: 14PT" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="50%" noWrap align=left><B><FONT size=2 face="Times New Roman"><U>2019 Peer Group</U></FONT></B></TD>

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

   <TD width="49%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="50%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="49%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Atlantic Union Bankshares Corporation</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Flushing Financial Corporation</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Berkshire Hills Bancorp, Inc.</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Independent Bank Group, Inc.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Bridge Bancorp, Inc.(1)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Independent Bank Corp.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Brookline Bancorp, Inc.</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Lakeland Bancorp, Inc.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="50%" noWrap align=left><FONT size=2 face="Times New Roman">Bryn Mawr Bank Corporation</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">OceanFirst Financial Corp.</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">24</FONT></P>

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   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Cadence Bancorporation(1)</FONT></TD>
   <TD width="2%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Peapack-Gladstone Financial Corporation</FONT></TD></TR>
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   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Customers Bancorp, Inc.</FONT></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Provident Financial Services, Inc.</FONT></TD></TR>
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   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Dime Community Bancshares, Inc.</FONT></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Sandy Spring Bancorp, Inc.</FONT></TD></TR>
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   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Eagle Bancorp, Inc.</FONT></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Univest Financial Corporation</FONT></TD></TR>
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   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">First Midwest Bancorp, Inc.(1)</FONT></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">Washington Trust Bancorp, Inc.</FONT></TD></TR>
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   <TD width="49%" noWrap align=left><FONT size=2 face="Times New Roman">First of Long Island Corporation</FONT></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="49%" noWrap align=left></TD></TR></TABLE>
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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=2 face="Times New Roman">(1)</FONT></TD>
   <TD width="99%" noWrap align=left><FONT size=2 face="Times New Roman">Subsequently acquired</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">During 2021, the Compensation Committee engaged its consultant to update the competitive benchmarking to serve as a reference for setting 2021 compensation.</FONT></P>
<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Annual Incentive</FONT></I></B></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 2021 incentive targets, which were unchanged from 2020, are summarized below.</FONT></P>
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   <TD width="97%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><B><FONT size=2 face="Times New Roman">Target Incentive Opportunity</FONT></B></TD></TR>
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   <TD width="97%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><B><FONT size=2 face="Times New Roman">(+/- 50% for each performance goal for</FONT></B></TD></TR>
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   <TD STYLE="width: 97%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Executive</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">threshold, target and stretch)</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">75<FONT size=2 face="Times New Roman">%</FONT></FONT></TD></TR>
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   <TD width="97%" noWrap align=left><FONT size=2 face="Times New Roman">William S. Burns</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">50</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face="Times New Roman">Elizabeth Magennis</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">50</FONT></TD></TR>
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   <TD width="97%" noWrap align=left><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">50</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face="Times New Roman">Laura Criscione</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">35</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>25</FONT></P>
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<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee establishes performance measures on an annual basis that are tied specifically to the Company&#8217;s financial performance (return on average assets, operating efficiency ratio and tangible book value) and individual executive performance. These metrics were selected by the Compensation Committee to reflect our profitability, strategic priorities and shareholder value. The weights and performance goals of these factors are summarized in the following table:</FONT></P>
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   <TD width="81%" 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=left></TD>
   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=2 face="Times New Roman">Threshold</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=2 face="Times New Roman">Target</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=2 face="Times New Roman">Stretch</FONT></B></TD></TR>
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   <TD STYLE="border-bottom: Black 1pt solid; width: 81%; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Performance Measure</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Weight</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">(50%)</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=2 face="Times New Roman">(100%)</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=2 face="Times New Roman">(150%)</FONT></B></TD></TR>
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   <TD width="81%" noWrap align=left><FONT size=2 face="Times New Roman">Core Return on Assets (ROA)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">25</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=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">1.05</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=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">1.25</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=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">1.45</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">%</FONT></TD></TR>
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   <TD width="81%" noWrap align=left><FONT size=2 face="Times New Roman">Operating Efficiency Ratio (1)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">25</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=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">43.5</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=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">41.5</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=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">40.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">%</FONT></TD></TR>
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   <TD width="81%" noWrap align=left><FONT size=2 face="Times New Roman">Tangible Book Value Per Share</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">25</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=left><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">17.75</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">18.50</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><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">19.25</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
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   <TD width="81%" noWrap align=left><FONT size=2 face="Times New Roman">Individual Strategic Performance</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face="Times New Roman">25</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=left></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=right><FONT size=2 face="Times New Roman">Varies</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="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR></TABLE>
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   <TD STYLE="vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=2 face="Times New Roman">(1)</FONT></TD>
   <TD vAlign=top width="99%" align=left>

   <P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">The Operating Efficiency Ratio is calculated as total noninterest expenses, excluding amortization of intangibles, foreclose property expense and other non-operating expenses, divided by the sum of (i) net interest income, on a fully taxable equivalent basis and (ii) noninterest income, excluding securities gains/losses and other nonrecurring items.</FONT></I></P></TD></TR></TABLE>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">At the end of the year, the Compensation Committee determined a payout percentage based on an assessment of the Company&#8217;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&#8217;s performance and contribution toward strategic goals. The corporate results were calculated as follows:</FONT></P>
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   <TD STYLE="padding-right: 2pt; width: 89%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>
   <TD COLSPAN="2" STYLE="padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">2021</FONT></B></TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Performance Measure</FONT></B></TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Performance</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Result</FONT></B></TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; vertical-align: bottom; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Payout Result</FONT></B></TD></TR>
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   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Core Return on Assets (ROA)</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">1.66</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">%</FONT></TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=2 face="Times New Roman">Above Stretch</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">150</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Operating Efficiency Ratio</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">38.3</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">%</FONT></TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=2 face="Times New Roman">Above Stretch</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">150</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Tangible Book Value Per Share</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$20.12</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=2 face="Times New Roman">Above Stretch</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">150</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Individual Strategic Performance</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=2 face="Times New Roman">(See Below)</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">150</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">%</FONT></TD></TR></TABLE></DIV>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In determining the performance on the individual portion of the annual incentive, the Committee considered its assessment of the Chief Executive Officer&#8217;s performance and the Chief Executive Officer&#8217;s evaluation of the Named Executive Officers&#8217; 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 2021, the Committee approved payouts of 150% 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.</FONT></P>
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   <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top; width: 10%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Named Executive Officers</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Select 2020 Individual Results</FONT></B></TD></TR>
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   <TD STYLE="white-space: nowrap; background-color: Silver; text-align: left; vertical-align: top">

   <P><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></P></TD>
   <TD STYLE="background-color: Silver; text-align: left; vertical-align: top"></TD>
   <TD STYLE="background-color: Silver; text-align: left; vertical-align: top">
   <DIV style="PADDING-BOTTOM:6PT; 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 size=2 face="Times New Roman">Exhibited strong leadership in overseeing execution of the strategic plan and continued growth. Achievements included:</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Reorganized Executive Management and deepened the bench to support a growing infrastructure and geographic expansion</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Directed vision, strategy, and employee communication throughout various stages of the pandemic and a volatile economic environment</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Served as the de facto &#8220;Voice of CNOB&#8221; in all Marketing and Social Media activities</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Oversaw the Bank&#8217;s preparation to cross the $10 billion in total assets threshold</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Continued to provide VIP Client outreach</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Provided interaction with various potential M&amp;A partners</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Engaged effectively with institutional investors - providing updates on the Company's success</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Guided strategies that produced the record performance of the organization</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Represented the Company in various FinTech consortiums to further technological and knowledge and capabilities of the organization</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT;PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Provided resources and leadership to BoeFly to expand primary business and new products</FONT></DIV>
   </TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>26</FONT></P>
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<TR STYLE="vertical-align: bottom; background-color: White">
   <TD STYLE="border-bottom: white 1pt solid; vertical-align: top; width: 10%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman" color=#ffffff>&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;</FONT></B></TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
   <TD STYLE="white-space: nowrap; vertical-align: top; width: 10%; text-align: left"><FONT size=2 face="Times New Roman">William S. Burns</FONT></TD>
   <TD STYLE="vertical-align: top; width: 1%; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="vertical-align: top; width: 89%; text-align: left">
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Managed capital effectively, including the issuance of non-cumulative preferred stock at very attractive terms, to support superior organic growth, an increased stock repurchase program and two common stock dividend increases</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Seamlessly Implemented CECL Accounting Standard, with minimal day one impact to capital and a positive market reaction</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Strengthened investor relations messaging contributing to stock price outperformance over the course of the year</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Further improved relationships with sell-side securities analysts leading to additional coverage</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Enhanced stress testing, strategic planning, and ALCO management, all of which are critical to the growing size of the Bank</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Oversaw a net interest margin that expanded by nearly 25 basis points over the course of the year, while the industry largely contracted.</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Efficiency ratio continued to improve to below 40%, reflecting disciplined oversight and guidance</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Managed the financially disciplined analysis and review of several potential M&amp;A transactions</FONT></DIV>
   </TD></TR>
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   <TD STYLE="background-color: Silver; white-space: nowrap; vertical-align: top; text-align: left">

   <P><FONT size=2 face="Times New Roman">Elizabeth Magennis</FONT></P></TD>
   <TD STYLE="background-color: Silver; text-align: left"></TD>
   <TD STYLE="background-color: Silver; text-align: left">
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Reorganized lending organization and deepened the bench to support organic growth, a widening geographic reach and expanding infrastructure. Oversaw the onboarding of new Florida and Long Island lending teams</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Oversaw the successful implementation of a PPP forgiveness module through nCino</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Successfully cleared essentially all $1 billion of Cares Act Deferments with virtually no losses and minimal impairment</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Led the Bank&#8217;s organic loan and deposit growth of 9.5% and 6.2%, respectively, over the prior year.</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Oversaw office modernization and re-positioning of the Bank&#8217;s brick and mortar delivery channel</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Continued the build-out of nCino processing and SBA lending and CRE loan sale platforms</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Continued to streamline operations utilizing technology to maintain best-in-class efficiency</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Oversaw growth in the loan portfolio despite the paydown or forgiveness of approximately $305 million on PPP loans.</FONT></DIV>
   </TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>27</FONT></P>
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<TR vAlign=bottom>
   <TD STYLE="width: 10%; white-space: nowrap; text-align: left; vertical-align: top"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 89%; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
  <TD STYLE="background-color: White; border-bottom: white 1pt solid; vertical-align: top; width: 10%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman" color=#ffffff>&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;</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left; background-color: White">&nbsp;</TD>
   <TD STYLE="background-color: White; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; background-color: White; text-align: left; vertical-align: top"><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left; background-color: White">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="background-color: White; text-align: left">
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Reorganized overall operations function and deepened the bench to support organic growth, a widening geographic reach and expanding infrastructure</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Created an operational efficiency committee to prioritize and define high value community projects, communicate between various areas, and align resources and goals.</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Modernized the account opening process utilizing e-signature and virtual documentation</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Migrated corporate datacenter from a physical location to the Microsoft Azure Cloud, providing the bank with a faster, more scalable and highly available network that will facilitate a more efficient build-out</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Increased Cybersecurity monitoring and depth of scope as the security landscape becomes increasingly complex</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Upgraded the remote access VPN solution providing secure and safe access to the ConnectOne Bank cloud</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Enhanced the Bank&#8217;s disaster recovery solution with a quicker time to recovery and a more stable, secure and geographically separate Disaster Recovery (DR) environment.</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Oversaw our conversion to VisaDPS providing better client product offerings</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Upgraded BoeFly&#8217;s production platform to a faster, more scalable, and more secure environment</FONT></DIV>
   </TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; background-color: Silver; text-align: left; vertical-align: top">

   <P><FONT size=2 face="Times New Roman">Laura Criscione</FONT></P></TD>
   <TD STYLE="white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="background-color: Silver; text-align: left">
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Provided leadership in all aspects of Vendor Management, Fraud, Compliance and BSA</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Provided leadership for the regulatory examination process, acting as the Bank&#8217;s point-person for safety and soundness, BSA and Vendor Management</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Enhanced the risk assessment platform by standardizing processes. Made specific improvements to risk assessment models for BSA/AML and OFAC</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Improved the effectiveness of the Bank&#8217;s Vendor Management Process while also implementing Vendor Management Program at BoeFly subsidiary</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Expanded SAR filing penetration to be commensurate with the Bank&#8217;s growth</FONT></DIV>
   <DIV style="PADDING-BOTTOM:6PT; PADDING-LEFT: 30pt; FONT-SIZE: 10pt; TEXT-INDENT: -14.5pt; TEXT-ALIGN: Left"><FONT style="PADDING-RIGHT: 8pt; FONT-SIZE: 9.5pt">&#9679;</FONT><FONT size=2 face="Times New Roman">Enhanced the CyberSecurity Risk Assessment and GLBA Risk Assessment to meet regulatory requirements and best practices</FONT></DIV>
   </TD></TR></TABLE>

<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD width="94%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><B><FONT size=2 face="Times New Roman">2021 Target Annual</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><B><FONT size=2 face="Times New Roman">2021 Actual Annual</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: bottom; width: 94%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Executive</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Incentive Award</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Incentive Award</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="94%" noWrap align=left><B><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">$619,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">$928,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="94%" noWrap align=left><B><FONT size=2 face="Times New Roman">William S. Burns</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">215,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">323,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="94%" noWrap align=left><B><FONT size=2 face="Times New Roman">Elizabeth Magennis</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">225,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">338,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="94%" noWrap align=left><B><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">188,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">281,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="94%" noWrap align=left><B><FONT size=2 face="Times New Roman">Laura Criscione</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">109,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=center><FONT size=2 face="Times New Roman">163,000</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>28</FONT></P>
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 <P style="TEXT-ALIGN: center"><B><I><FONT size=2 face="Times New Roman">Long-Term Incentives &#8211; Equity-Based Awards</FONT></I></B></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Company&#8217;s long-term incentive plan (&#8220;LTIP&#8221;) is designed to be performance-based, align executives with shareholder interest and promote the long-term success of the Company. In March 2021, the Committee approved a target long-term incentive award (split evenly between performance shares and time vested restricted stock)</FONT><B><FONT size=2 face="Times New Roman">.</FONT></B></P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">2021 LTIP Mix&#8211;All NEOs</FONT></B></P>
<P align=center>
<IMG border=0 src="co3987401-def14a5x5x1.jpg"> </P>
<P STYLE="text-indent: 15pt; text-align: left"><B><FONT size=2 face="Times New Roman">Time-vested restricted stock unit </FONT></B><FONT size=2 face="Times New Roman">(RSU) awards have a target opportunity but can be granted based on the Compensation Committee&#8217;s assessment of business environment, affordability, and corporate and individual performance. The value of awards granted may vary from 0% &#8211; 150% of target for that component, based on the Committee assessment. Once granted, restricted stock vests ratably over a three-year period, and is subject to forfeiture if the grantee leaves service prior to the vesting date.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><B><FONT size=2 face="Times New Roman">Performance-based restricted shares </FONT></B><FONT size=2 face="Times New Roman">(Performance shares) are granted at target and earned based on our three-year performance for the period January 1, 2021 through December 31, 2023. The potential number of shares that can vest following the three-year performance period 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 the profitability of the Company. Strong ROA over time, particularly relative to industry competitors, enhances the Company&#8217;s performance and aligns with shareholder value.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Industry Index allows for relative comparison of the Company&#8217;s performance to the performance of other banks of similar size/region during the same three-year performance period. The Industry Index is objectively determined and 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.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Performance shares vest after three years based on the Company&#8217;s Core ROA performance relative to the Industry Index banks in accordance with the payout scale below:</FONT></P>
<DIV align=center>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="width: 60%; line-height: 14pt; border-collapse: collapse">

<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">CNOB Ranking vs. Industry</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=2 face="Times New Roman">% of Performance Units Earned</FONT></B></TD>
   </TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Index</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; vertical-align: top"><B><FONT size=2 face="Times New Roman">(2021 &#8211; 2023)</FONT></B></TD>
   </TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 48%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">75<SUP>th </SUP>percentile and above</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right">&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>
   <TD STYLE="width: 48%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">150</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: 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;</TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">50<SUP>th </SUP>percentile</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: right"><FONT size=2 face="Times New Roman">100</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"></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">40<SUP>th </SUP>percentile</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: right"><FONT size=2 face="Times New Roman">50</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"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Below 40<SUP>th </SUP>percentile</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: right"><FONT size=2 face="Times New Roman">0</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"></TD></TR></TABLE></DIV>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>29</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Below is a summary of the 2021 grants.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Performance shares were issued in March 2021 at target, since vesting is dependent upon actual performance during the three-year period commencing January 1, 2021 and ending December 31, 2023.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Restricted Stock Units were granted in March 2021 based on the Compensation Committee&#8217;s consideration of 2020 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. Nevertheless, performance in 2020  was somewhat muted due to the impact of the pandemic. Based on these assessments, the Committee approved grants at approximately 125% of target, below the maximum potential grant of 150%.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Grants were approved by the Committee as follows:</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">

<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="6" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Performance Shares</FONT></B> </TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Restricted Stock Units</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Total</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Executive</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Target # Shares</FONT></B></TD>

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

   <TD colspan="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Grant Value</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=2 face="Times New Roman"># Shares</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=2 face="Times New Roman">Grant Value</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Grant Value</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left; width: 84%"><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left; width: 1%"></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"><FONT size=2 face="Times New Roman">16,343</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"></TD>
    <TD STYLE="width: 1%"><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"><FONT size=2 face="Times New Roman">412,497</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left; width: 1%"></TD>
   <TD STYLE="white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"><FONT size=2 face="Times New Roman">20,429</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"><FONT size=2 face="Times New Roman">515,628</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right; width: 1%"></TD>
    <TD STYLE="width: 1%"><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: top; width: 1%"><FONT size=2 face="Times New Roman">928,125</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">William S. Burns</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">5,111</FONT></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">129,002</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">6,389</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">161,258</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">290,260</FONT></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">Elizabeth Magennis</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">5,349</FONT></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">135,009</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">6,686</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">168,755</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">303,764</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Christopher Ewing</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">4,457</FONT></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">112,495</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">5,349</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">135,009</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">247,504</FONT></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">Laura Criscione</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">2,149</FONT></TD>
    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">54,241</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">2,687</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">67,820</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
    <TD><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">122,061</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">By policy, we do not pay current dividends or dividend equivalents on unearned performance units or restricted stock units.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">2019 &#8211; 2021 Performance Share Vesting</FONT></B></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Performance shares granted in the first quarter of 2019 were designed to vest between 0% to 150% of target based on the Company&#8217;s relative core return on assets compared to an objectively determined 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 $11.0 billion as of year-end 2018). Based on data reported by S&amp;P Global for the period January 1, 2019 through December 31, 2021, the Company&#8217;s actual core return on assets of 1.41% ranked at the 83<SUP>rd </SUP>percentile resulting in the vesting of 150% of the target performance shares.</FONT></P>
<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Benefits and Other Compensation</FONT></I></B></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Retirement Benefits and Perquisites</FONT></B></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">One of the goals of the Company&#8217;s compensation program is to provide limited retirement benefits to our NEO&#8217;s as an additional retention tool. The Company therefore entered into Supplemental Executive Retirement Plans with each of its NEO&#8217;s, and supplemented the foregoing with 2021 Supplemental Executive Retirement Plans for each of Frank Sorrentino III, William S. Burns, and Elizabeth Magennis. The benefits under each plan differ based upon a number of factors, including, among others, the participant&#8217;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.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Employment Agreements</FONT></B></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Company is party to employment agreements with several executives. The following is a summary of those agreements.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>30</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Mr. Sorrentino&#8217;s Employment Agreement</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 at least $735,000, subject to increase as determined by the Board. He will also be eligible to participate in the Company&#8217;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&#8217;s employment is terminated without &#8220;cause&#8221; or he resigns for &#8220;good cause&#8221;, 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 an0d 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&#8217;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 &#8220;excess parachute payment&#8221; under Section 280G of the Internal Revenue Code of 1986, as amended.</FONT></P>
<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Mr. Burns&#8217; Employment Agreement</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 at least $381,000, subject to increase as determined by the Board. He will also be eligible to participate in the Company&#8217;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&#8217; employment is terminated without &#8220;cause&#8221; or he resigns for &#8220;good cause&#8221;, 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&#8217; 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 &#8220;excess parachute payment&#8221; under Section 280G of the Internal Revenue Code of 1986, as amended.</FONT></P>
<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Ms. Magennis&#8217; Employment Agreement</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 at least $352,000, subject to increase as determined by the Board. She will also be eligible to participate in the Company&#8217;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&#8217; employment is terminated without &#8220;cause&#8221; or she resigns for &#8220;good cause&#8221;, 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&#8217; 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 &#8220;excess parachute payment&#8221; under Section 280G of the Internal Revenue Code of 1986, as amended.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>31</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Mr. Ewing&#8217;s Employment Agreement</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 at least $310,000, subject to increase as determined by the Board. He will also be eligible to participate in the Company&#8217;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&#8217;s employment is terminated without &#8220;cause&#8221; or he resigns for &#8220;good cause&#8221;, 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&#8217;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 &#8220;excess parachute payment&#8221; under Section 280G of the Internal Revenue Code of 1986, as amended.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Roles &amp; Responsibilities</FONT></B></P>
<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Compensation Committee</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee of the Board of Directors is responsible for discharging the Board&#8217;s duties in executive compensation matters and for administering the Company&#8217;s incentive and equity-based plans. This includes oversight of the total compensation programs for the Company&#8217;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.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Committee reviews all compensation components for the Company&#8217;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&#8217;s performance annually and makes decisions regarding the Named Executive Officers&#8217; compensation, including base salary, incentives and equity grants based on this review. The Compensation Committee reviews its decisions with the full Board of Directors.</FONT></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>
<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Independent Compensation Consultant</FONT></I></P>
<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee retains Meridian Compensation Partners LLC (&#8220;Meridian&#8221;) 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&#8217;s consultation services comply with the standards adopted by the SEC and by NASDAQ with respect to compensation advisor independence and conflicts of interest.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>32</FONT></P>
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<!--PART 06-->


<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Management</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s compensation programs.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Although executives may provide insight, suggestions or recommendations regarding executive compensation, they are not present during the Compensation Committee&#8217;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&#8217;s compensation is discussed in executive session without members of management, including the Chief Executive Officer, present.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Additional Information about Our Compensation Practices</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Anti-Hedging/Pledging Policy</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Our insider trading policy prohibits the purchase or sale of puts, calls, options, or other derivative securities based on the Company&#8217;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 also prohibits directors and executive officers from pledging the Company&#8217;s securities as collateral for a loan or otherwise (although pledges outstanding as of the date the policy was amended to prohibit pledging (November 23, 2021) are allowed to remain in effect).</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Policy on Incentive Compensation Clawback</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Stock Ownership Guidelines</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s stock. Specific guidelines are:</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>33</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<BR>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Six (6) times the then annual base salary for the Chief Executive Officer</FONT></P></TD></TR>

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Three (3) times the then annual base salary for the Bank President and the Executive Vice President, Chief Financial Officer</FONT></P></TD></TR>

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Two (2) times the then annual base salary for other Executive Vice Presidents</FONT></P></TD></TR>

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



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

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



<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



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

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

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



   <P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">Shares owned by an individual in the Company&#8217;s benefit plans (e.g., 401(k)).</FONT></P></TD></TR></TABLE>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Compensation Committee evaluates compliance with our stock ownership policy annually, and has determined that at year end 2021, all of our executive officers were in compliance.</FONT></P>

<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face="Times New Roman">Risk Assessment Review</FONT></I></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s and management&#8217;s intent to continue to evolve our processes going forward by monitoring regulations and best practices for sound incentive compensation.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Accounting &amp; Tax Treatment of Compensation</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>34</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Report of the Compensation Committee</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;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&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31, 2021, for filing with the SEC.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The foregoing report is provided by the Compensation Committee of the Board of Directors:</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">Stephen T. Boswell (Chair) <BR>Kathern Nukk-Freeman <BR>William A. Thompson</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>35</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Summary Compensation Table</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table sets forth for the prior three years the compensation paid to (a) the Company&#8217;s Chief Executive Officer and Chief Financial Officer and our three other most highly compensated executive officers earning in excess of $100,000 for the fiscal year ended December 31, 2021 and who were serving as of December 31, 2021, (collectively the &#8220;Named Executive Officers&#8221;):</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">



<TR vAlign=bottom>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Salary</FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Bonus</FONT> <FONT size=1 face="Times New Roman"><SUP></SUP></FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Stock</FONT><BR><FONT size=1 face="Times New Roman">Awards<SUP>(1)</SUP></FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Option</FONT><BR><FONT size=1 face="Times New Roman">Awards</FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Non-equity</FONT><BR><FONT size=1 face="Times New Roman">incentive plan</FONT><BR><FONT size=1 face="Times New Roman">compensation</FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Change in</FONT><BR><FONT size=1 face="Times New Roman">pension value</FONT><BR><FONT size=1 face="Times New Roman">and non-</FONT><BR><FONT size=1 face="Times New Roman">qualified</FONT><BR><FONT size=1 face="Times New Roman">deferred</FONT><BR><FONT size=1 face="Times New Roman">compensation</FONT><BR><FONT size=1 face="Times New Roman">earnings</FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">All other</FONT><BR><FONT size=1 face="Times New Roman">compensation<SUP>(2)</SUP></FONT></TD>

    <TD>&nbsp;</TD>
   <TD COLSPAN="2" STYLE="padding-top: 2pt; white-space: nowrap; text-align: center; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">Total</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">Name and Principal Position</FONT></TD>

    <TD>&nbsp;&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">Year</FONT></TD>

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

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

    <TD>&nbsp;</TD>
   <TD STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">(b)</FONT></TD>

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

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

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

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

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

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

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

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

<TR STYLE="vertical-align: bottom">

   <TD ROWSPAN="3" STYLE="background-color: Silver; padding-right: 2pt; padding-left: 2pt; vertical-align: middle; white-space: nowrap; text-align: left; width: 74%"><FONT size=1 face="Times New Roman">Frank Sorrentino III, Chairman &amp; Chief<BR><FONT size=1 face="Times New Roman">Executive Officer</FONT></FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">2021</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">825,000</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"></TD>

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

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">928,125</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"></TD>

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

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">928,000</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">352,817</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">35,044</FONT></TD>

    <TD STYLE="background-color: Silver; width: 1%">&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt; width: 1%"><FONT size=1 face="Times New Roman">3,068,986</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2020</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">825,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,031,249</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">773,438</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">185,691</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">33,015</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2019</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">800,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">849,999</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">780,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">125,191</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">32,597</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

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

<TR vAlign=bottom>

   <TD ROWSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt; vertical-align: middle; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">William S. Burns, Executive Vice<BR>President &amp; Chief Financial Officer</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2021</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">430,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman">-</FONT></FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">290,260</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">323,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">233,595</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">29,044</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,305,899</FONT></TD></TR>

<TR vAlign=bottom>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2020</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">430,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">322,508</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">268,750</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">122,343</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">28,782</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,172,383</FONT></TD></TR>

<TR vAlign=bottom>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2019</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">420,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">262,515</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">315,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">86,908</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">28,073</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,112,496</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD ROWSPAN="3" STYLE="background-color: Silver; padding-right: 2pt; padding-left: 2pt; vertical-align: middle; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Elizabeth Magennis, President of<BR>ConnectOne Bank</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2021</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">450,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman">-</FONT></FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">303,763</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">338,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">69,759</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">25,432</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,186,954</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2020</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">420,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">315,001</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">281,250</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">32,898</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">25,177</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,074,327</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2019</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">400,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">250,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">300,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">19,330</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">24,916</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">994,246</FONT></TD></TR>

<TR vAlign=bottom>

   <TD ROWSPAN="3" STYLE="padding-right: 2pt; padding-left: 2pt; vertical-align: middle; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Chris Ewing, Executive Vice President &amp;<BR>Chief Operations Officer</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2021</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">375,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman">-</FONT></FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">247,503</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">281,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">120,483</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">29,044</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,053,030</FONT></TD></TR>

<TR vAlign=bottom>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2020</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">375,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">281,259</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">225,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">94,333</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">28,782</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">1,004,374</FONT></TD></TR>

<TR vAlign=bottom>

    <TD>&nbsp;</TD>
   <TD STYLE="padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2019</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">360,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">225,010</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">270,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">64,404</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">26,597</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">946,011</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD ROWSPAN="3" STYLE="background-color: Silver; padding-right: 2pt; padding-left: 2pt; vertical-align: middle; white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Laura Criscione, Executive Vice<BR>President &amp; Chief Compliance Officer</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2021</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">310,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"><FONT size=1 face="Times New Roman">-</FONT></FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">122,061</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">163,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">18,456</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">25,432</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">638,949</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2020</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">310,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">135,627</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">-</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">135,625</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">13,334</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">24,620</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">619,206</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><FONT size=1 face="Times New Roman">2019</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">300,000</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">131,247</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">157,500</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">8,166</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">22,795</FONT></TD>

    <TD>&nbsp;</TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right; padding-right: 2pt; padding-left: 2pt"><FONT size=1 face="Times New Roman">619,708</FONT></TD></TR></TABLE>

<BR>

<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: right; padding-right: 8pt"><FONT size=1 face="Times New Roman">(1)</FONT></TD>

   <TD vAlign=top width="98%" align=left><FONT size=1 face="Times New Roman">Stock awards reported in 2021 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 (&#8220;ASC Topic 718&#8221;) 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.</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-right: 8pt; vertical-align: top; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: right; padding-right: 8pt"><FONT size=1 face="Times New Roman">(2)</FONT></TD>

   <TD vAlign=top width="98%" align=left><FONT size=1 face="Times New Roman">Mr. Sorrentino&#8217;s all other compensation total includes a $15,000 annual car allowance for 2019, 2020 and 2021</FONT><FONT size=2 face="Times New Roman">.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><B><U><FONT size=1 face="Times New Roman">Time-based restricted stock units awards</FONT></U></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=1 face="Times New Roman">The value of the time-based restricted stock units awards reported in column (e) for each of our Named Executive Officers&#8217; were as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 96%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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">Value of Restricted</FONT></B><BR><B><FONT size=1 face="Times New Roman">Stock Unit Awards</FONT></B><BR><B><FONT size=1 face="Times New Roman">Issued in 2021 </FONT></B><B><FONT size=1 face="Times New Roman"><SUP>(a)</SUP></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="96%" noWrap align=left><FONT size=1 face="Times New Roman">Frank Sorrentino III</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">515,628</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="96%" noWrap align=left><FONT size=1 face="Times New Roman">William S. Burns</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">161,258</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="96%" noWrap align=left><FONT size=1 face="Times New Roman">Elizabeth Magennis</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">168,754</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="96%" noWrap align=left><FONT size=1 face="Times New Roman">Christopher Ewing</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">135,009</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="96%" noWrap align=left><FONT size=1 face="Times New Roman">Laura Criscione</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">67,820</FONT></TD></TR></TABLE>

<BR>

<TABLE style="LINE-HEIGHT: NORMAL; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left><FONT size=1 face="Times New Roman">(a)</FONT></TD>

   <TD STYLE="padding-left: 8pt; vertical-align: top; width: 98%; text-align: left"><FONT size=1 face="Times New Roman">These values are based on the market value at the time of grant. 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>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>36</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P style="TEXT-ALIGN: left"><B><U><FONT size=1 face="Times New Roman">Performance units awards</FONT></U></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=1 face="Times New Roman">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.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face="Times New Roman">Name</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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">Target Value at<BR>Grant Date</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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">Maximum Value at Grant<BR>Date</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="92%" noWrap align=left><FONT size=1 face="Times New Roman">Frank Sorrentino III</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

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

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">412,497</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face="Times New Roman">$&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;</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">618,746</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="92%" noWrap align=left><FONT size=1 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=1 face="Times New Roman">129,002</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">193,505</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="92%" noWrap align=left><FONT size=1 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=1 face="Times New Roman">135,009</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">202,513</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="92%" noWrap align=left><FONT size=1 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=1 face="Times New Roman">112,494</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">168,742</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="92%" noWrap align=left><FONT size=1 face="Times New Roman">Laura Criscione</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">54,241</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=1 face="Times New Roman">81,361</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">POST-TERMINATION BENEFITS</FONT></B></P>

<P style="TEXT-ALIGN: left"><U><FONT size=2 face="Times New Roman">Employment Agreements</FONT></U></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 Senior 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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In the event that Mr. Sorrentino&#8217;s employment is terminated without &#8220;cause&#8221; or he resigns for &#8220;good cause&#8221;, 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&#8217;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 &#8220;excess parachute payment&#8221; 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, 2021, 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.</FONT></P>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>37</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">



<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 2pt; padding-top: 2pt; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B><BR><B><FONT size=2 face="Times New Roman">following a</FONT></B><BR><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 91%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Cash Compensation</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">3,609,375</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">4,331,250</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare<BR>Benefits</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">27,439</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">27,439</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Stock Awards</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">4,243,250</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">4,243,250</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt">

   <P align=left><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to <BR>Supplemental Executive Retirement <BR>Plans</FONT></P></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman"></FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"><FONT size=2 face="Times New Roman">$</FONT></FONT></TD>

   <TD STYLE="padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">2,446,731*</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">* Pursuant to the Supplemental Executive Retirement Plan and the 2021 Supplemental Executive Retirement Plan, Mr. Sorrentino&#8217;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 &#8220;without cause&#8221; or a resignation for &#8220;good reason.&#8221;</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In the event that Mr. Burns&#8217; employment is terminated without &#8220;cause&#8221; or he resigns for &#8220;good cause&#8221;, 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&#8217; 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 &#8220;excess parachute payment&#8221; 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, 2021, 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.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B><BR><B><FONT size=2 face="Times New Roman">following a</FONT></B><BR><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Cash Compensation</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,612,500</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,935,000</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">37,046</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">37,046</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Benefits</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Stock Awards</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,325,965</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,325,965</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Supplemental Executive Retirement</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">964,147<FONT size=2 face="Times New Roman">*</FONT></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Plans</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">* Pursuant to the Supplemental Executive Retirement Plan and the 2021 Supplemental Executive Retirement Plan, Mr. Burns&#8217; 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 &#8220;without cause&#8221; or a resignation for &#8220;good reason.&#8221;</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>38</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In the event that Ms. Magennis&#8217; employment is terminated without &#8220;cause&#8221; or she resigns for &#8220;good cause&#8221;, 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&#8217; 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 &#8220;excess parachute payment&#8221; 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.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: center; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD>

   <TD STYLE="padding-top: 2pt; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: center; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-top: 2pt; padding-right: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B><BR><B><FONT size=2 face="Times New Roman">following a</FONT></B><BR><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Cash Compensation</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,687,500</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">2,025,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">14,446</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">14,446</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Benefits</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Stock Awards</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,325,180</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,325,180</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">0</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,058,842*</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Supplemental Executive Retirement</FONT></TD>

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

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="background-color: Silver; padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Plans</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">* Pursuant to the Supplemental Executive Retirement Plan and the 2021 Supplemental Executive Retirement Plan,, Ms. Magennis&#8217; 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 &#8220;without cause&#8221; or a resignation for &#8220;good reason.&#8221;</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In the event that Mr. Ewing&#8217;s employment is terminated without &#8220;cause&#8221; or he resigns for &#8220;good cause&#8221;, 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&#8217;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 &#8220;excess parachute payment&#8221; 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.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>39</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-top: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Payments and Benefits</FONT></B></TD>

   <TD STYLE="padding-right: 2pt; padding-top: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-top: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B></TD>

   <TD STYLE="padding-right: 2pt; padding-top: 2pt; width: 1%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-top: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD>

   <TD STYLE="padding-right: 2pt; padding-top: 2pt; width: 1%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman"></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 2pt; padding-top: 2pt; width: 3%; white-space: nowrap; text-align: center; padding-left: 2pt"><B><FONT size=2 face="Times New Roman">Involuntary</FONT></B><BR><B><FONT size=2 face="Times New Roman">Termination</FONT></B><BR><B><FONT size=2 face="Times New Roman">without</FONT></B><BR><B><FONT size=2 face="Times New Roman">Cause or</FONT></B><BR><B><FONT size=2 face="Times New Roman">Resignation</FONT></B><BR><B><FONT size=2 face="Times New Roman">for Good</FONT></B><BR><B><FONT size=2 face="Times New Roman">Reason</FONT></B><BR><B><FONT size=2 face="Times New Roman">following a</FONT></B><BR><B><FONT size=2 face="Times New Roman">Change in</FONT></B><BR><B><FONT size=2 face="Times New Roman">Control</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Cash Compensation</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">421,875</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">562,500</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Value of Continued Health and Welfare</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">37,046</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">37,046</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Benefits</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Stock Awards</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,147,859</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">1,147,859</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Acceleration of Benefits Pursuant to</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">-</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"><FONT size=2 face="Times New Roman">257,300<FONT size=2 face="Times New Roman">*</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-right: 2pt; width: 88%; white-space: nowrap; text-align: left; padding-left: 2pt"><FONT size=2 face="Times New Roman">Supplemental Executive Retirement Plan</FONT></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 1%; white-space: nowrap; text-align: right; padding-left: 2pt"></TD>

   <TD STYLE="padding-right: 2pt; width: 2%; white-space: nowrap; text-align: left; padding-left: 2pt"></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><FONT size=2 face="Times New Roman">* Pursuant to the Supplemental Executive Retirement Plan, Mr. Ewing&#8217;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 &#8220;without cause&#8221; or a resignation for &#8220;good reason.&#8221;</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">In addition, the Company is subject to a Change in Control Agreement with Ms. Criscione. Under the terms thereof, if the Company were to undergo a &#8220;change in control&#8221; as defined in the Change in Control Agreement, followed by either (i) involuntary termination of Ms. Criscione&#8217;s employment by the Company or the Bank or (ii) voluntary termination of employment by Ms. Criscione under certain circumstances provided for in the agreement, then Ms. Criscione would be entitled to a lump sum payment equal to the highest annual salary assigned to her during the twenty four months prior to Change in Control plus the highest annual bonus paid to or accrued by her. Such amount shall be paid within 10 days, subject to compliance with section 409A of the Internal Revenue Code, after the Company or the Bank receives an executed a general release of claims in favor of the Company, the Bank, its subsidiaries and affiliates, and their respective officers, directors, shareholders, partners, members, managers, agents or employees.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Based upon the current base salaries and the last cash bonus paid to Ms. Criscione, if a change in control occurred as of December 31, 2021, Ms. Criscione would have received a payment of $473,000.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">CEO Pay Ratio</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Frank Sorrentino III, our Chairman and Chief Executive Officer, had fiscal 2021 total compensation of $3,068,986 , as reflected in the Summary Compensation Table above. We estimate that the median annual compensation for all Company employees, excluding Mr. Sorrentino, was $65,242 for 2021, based on a median total cash compensation as of December 31, 2021. As a result, Mr. Sorrentino&#8217;s 2021 annual compensation was approximately 47.0 times that of the median annual compensation for all employees.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>40</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<!--PART 07-->
<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Grants of Plan-Based Awards</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table represents the grants of awards to the Named Executive Officers in 2021:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 78%; white-space: nowrap; text-align: center"></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=1 face="Times New Roman"><STRONG>Grant date</STRONG></FONT></TD></TR>

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

   <TD COLSPAN="5" STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>Estimated future payouts</STRONG></FONT></TD>

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

   <TD COLSPAN="5" STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>Estimated future payouts</STRONG></FONT></TD>

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

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

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

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

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

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

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

    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=1 face="Times New Roman"><STRONG>fair value of</STRONG></FONT></TD></TR>

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

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

   <TD COLSPAN="5" STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>under non-equity incentive</STRONG></FONT></TD>

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

   <TD COLSPAN="5" STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>under equity incentive</STRONG></FONT></TD>

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

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

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

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

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

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

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

    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=1 face="Times New Roman"><STRONG>stock and</STRONG></FONT></TD></TR>

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

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

   <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>plan awards</STRONG></FONT></TD>

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

   <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>plan awards</STRONG></FONT></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Frank Sorrentino III</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">3/23/2021</FONT></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: left"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">8,172</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">16,343</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">24,515</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">20,429</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: 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><FONT size=1 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">928,125</FONT></TD></TR>

<TR STYLE="vertical-align: 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">3/23/2021</FONT></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: left"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">2,556</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">5,111</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">7,667</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">6,389</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: 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>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">290,260</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Elizabeth Magennis</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">3/23/2021</FONT></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: left"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">2,675</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">5,349</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">8,024</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">6,686</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: 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>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">303,763</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Christopher 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">3/23/2021</FONT></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: left"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">2,229</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">4,457</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">6,686</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">5,349</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: 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>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">247,503</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face="Times New Roman">Laura Criscione</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">3/23/2021</FONT></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: left"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">1,075</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">2,149</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">3,224</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">2,687</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: 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>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">122,061</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Outstanding Equity Awards at Fiscal Year-End</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table sets forth, for each of the Named Executive Officers, information regarding outstanding stock options and stock awards as of December 31, 2021:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 82%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="10" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><STRONG><FONT size=1 face="Times New Roman">Option Awards</FONT> <FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>Stock Awards</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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


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

<TR vAlign=bottom>

   <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"><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

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

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

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

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

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

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

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


   <TD colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>incentive plan</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <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"><FONT size=1 face="Times New Roman"><STRONG>incentive plan</STRONG></FONT></TD>

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

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

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

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


   <TD colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>awards: market</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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


   <TD  colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>or payout</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

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

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

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


   <TD colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>value of</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

    <TD>&nbsp;</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"><FONT size=1 face="Times New Roman"><STRONG>Number of</STRONG></FONT></TD>

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

    <TD>&nbsp;</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"><FONT size=1 face="Times New Roman"><STRONG>shares or units</STRONG></FONT></TD>

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

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

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

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

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


   <TD colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>shares, units</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

    <TD>&nbsp;</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"><FONT size=1 face="Times New Roman"><STRONG>of stock that</STRONG></FONT></TD>

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

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

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

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

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


   <TD colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>or other rights</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>options (#) un-</STRONG></FONT></TD>

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

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

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

    <TD COLSPAN="2" STYLE="text-align: center; vertical-align: middle"><FONT size=1 face="Times New Roman"><STRONG>Option</STRONG></FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>have not</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>that have not</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>that have not</STRONG></FONT></TD>

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


   <TD colspan=2 STYLE="white-space: nowrap; text-align: center"><FONT size=1 face="Times New Roman"><STRONG>that have not</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

    <TD COLSPAN="2" STYLE="text-align: center; white-space: nowrap; vertical-align: middle"><FONT size=1 face="Times New Roman"><STRONG>exercise price</STRONG></FONT></TD>

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

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

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

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

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

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

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

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

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


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

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

    <TD COLSPAN="2" STYLE="text-align: center; vertical-align: middle"><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

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

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

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

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

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

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

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

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

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

   </TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   </TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><B><FONT size=2 face="Times New Roman"><FONT size=1 face="Times New Roman"></FONT></FONT></B></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">66,907</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: right"><FONT size=1 face="Times New Roman">2,188,528</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">102,411</FONT></TD>

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

    <TD><FONT size=1 face="Times New Roman">$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">3,349,872</FONT></TD></TR>

<TR STYLE="vertical-align: 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: left"></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"></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">-</FONT></TD>

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

    <TD>&nbsp;</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"></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">20,892</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: right"><FONT size=1 face="Times New Roman">683,377</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">31,932</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">1,044,504</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

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

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

    <TD>&nbsp;</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"></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">20,790</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: right"><FONT size=1 face="Times New Roman">680,041</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">31,450</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">1,028,721</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

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

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

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

    <TD>&nbsp;</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"></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">17,960</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: right"><FONT size=1 face="Times New Roman">587,472</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">27,734</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">907,171</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

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

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

    <TD>&nbsp;</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"></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">8,987</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: right"><FONT size=1 face="Times New Roman">293,965</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">14,029</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">458,897</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">41</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Options Exercised and Stock Vested</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table sets forth certain information regarding exercises of options or vesting of restricted shares during the Company&#8217;s fiscal year ended December 31, 2021 by our Named Executive Officers:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" ALIGN="CENTER" STYLE="line-height: 14pt; border-collapse: collapse; width: 80%">



<TR vAlign=bottom>

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

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

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Option awards</STRONG></FONT></TD>

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

   <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Stock awards</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Number of</STRONG></FONT></TD>

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

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Number of</STRONG></FONT></TD>

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

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

<TR vAlign=bottom>

   <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"><FONT size=2 face="Times New Roman"><STRONG>shares</STRONG></FONT></TD>

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

   <TD COLSPAN="2" 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"><FONT size=2 face="Times New Roman"><STRONG>shares</STRONG></FONT></TD>

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

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

<TR vAlign=bottom>

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>acquired on</STRONG></FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>acquired</STRONG></FONT></TD>

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

    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman"><STRONG>Value realized</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>exercise</STRONG></FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>on vesting</STRONG></FONT></TD>

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

    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; vertical-align: middle"><FONT size=2 face="Times New Roman"><STRONG>on vesting</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Name</STRONG></FONT></TD>

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="Times New Roman"></FONT></STRONG></TD>

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

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

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Frank Sorrentino III</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">-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><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">$</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"></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">46,466</FONT></TD>

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

    <TD STYLE="width: 1%"><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">$1,212,219</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">William S. Burns</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: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></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">13,758</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">359,306</FONT></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">Elizabeth Magennis</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">5,158</FONT></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"><FONT size=2 face="Times New Roman">139,782</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">13,167</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">359,306</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Christopher Ewing</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: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></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">11,726</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">306,354</FONT></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">Laura Criscione</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">5,616</FONT></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"><FONT size=2 face="Times New Roman">124,428</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">6,556</FONT></TD>

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

    <TD>&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">170,971</FONT></TD></TR></TABLE>


<P STYLE="text-align: center"><B><FONT size=2 face="Times New Roman">Nonqualified Deferred Compensation</FONT></B></P>

<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Supplemental Executive Retirement Plan</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Each participants listed below are parties to a Supplemental Executive Retirement Plan Agreement and a Split Dollar Life Insurance Agreement. Each of Messrs. Sorrentino and Burns and Ms. Magennis are also parties to a 2021 Supplemental Executive Retirement Plan Agreement dated of April 1, 2022 that augments and supplements the original Supplemental Executive Retirement Plan Agreement. Subject to their terms and conditions, each Supplemental Executive Retirement Plan agreement and 2021 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&#8217;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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The benefit amount payable to each Participant is a certain percentage of the Executive&#8217;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:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" ALIGN="CENTER" STYLE="line-height: 14pt; border-collapse: collapse; width: 60%">



<TR vAlign=bottom>

   <TD STYLE="width: 98%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Participant</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face="Times New Roman">Final Salary Percentage</FONT></B></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">Frank Sorrentino III</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">37.5%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">William S. Burns</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">30.0</FONT></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">Elizabeth Magennis</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">30.0</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Christopher Ewing</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">20.0</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><I><FONT size=2 face="Times New Roman">Split Dollar Life Insurance Agreement</FONT></I></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Pursuant to each of the Split Dollar Life Insurance Agreements, each named executive officer&#8217;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&#8217;s death while the Agreement remains in effect. The amounts payable to the participants&#8217; beneficiaries vary among the participants, and the age at which a participant dies.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">42</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table sets forth certain information regarding nonqualified deferred compensation benefits to the Named Executive Officer of the Company during the Company&#8217;s fiscal year ended December 31, 2021:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">


<TR vAlign=bottom>

   <TD STYLE="width: 90%; 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"><FONT size=2 face="Times New Roman"><STRONG>Executive</STRONG></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Registrant</STRONG></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Aggregate</STRONG></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Aggregate</STRONG></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Aggregate</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: center"></TD>
<TD STYLE="white-space: nowrap; text-align: center"></TD>
   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>contributions</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>contributions</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>earnings in</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>withdrawals/</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>balance at</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: center"></TD>
<TD STYLE="white-space: nowrap; text-align: center"></TD>
   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>in 2021</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>in 2021</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>2021</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>distributions</STRONG></FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>last 2021</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>Name</STRONG></FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center"></TD>
   <TD STYLE="white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=2 face="Times New Roman"><STRONG>(a)</STRONG></FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=2 face="Times New Roman"><STRONG>(b)</STRONG></FONT></TD>

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="Times New Roman"></FONT></STRONG></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Frank Sorrentino III</FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center"></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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">352,818</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"></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">663,699</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">William S. Burns</FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center"></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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">233,596</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"></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">442,847</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Elizabeth Magennis</FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center"></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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">69,759</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"></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">121,987</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Chris Ewing</FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center"></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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">120,483</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"></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">279,220</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">Laura Criscione</FONT></TD>
<TD STYLE="white-space: nowrap; text-align: center"></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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">18,156</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"></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">39,656</FONT></TD></TR></TABLE>


<P STYLE="text-align: center"><B><FONT size=2 face="Times New Roman">Director Compensation</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The following table sets forth certain information regarding compensation earned by or paid to the Directors during the Company&#8217;s fiscal year ended December 31, 2021:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="83%" 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></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>Change in</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></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></TR>

<TR vAlign=bottom>

   <TD width="83%" 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></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>pension value</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></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></TR>

<TR vAlign=bottom>

   <TD width="83%" 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></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>and</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></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></TR>

<TR vAlign=bottom>

   <TD width="83%" 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></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>nonqualified</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></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></TR>

<TR vAlign=bottom>

   <TD width="83%" 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><FONT size=1 face="Times New Roman"><STRONG>Non-equity</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>deferred</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></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></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>Fees earned or</STRONG></FONT></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><FONT size=1 face="Times New Roman"><STRONG>Options</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>incentive plan</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>compensation</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>All other</STRONG></FONT></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="83%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>paid in cash</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>Stock Awards</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>awards</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>compensation</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>earnings</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>compensation</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>Total</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>Name</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center><STRONG><FONT size=1 face="Times New Roman"></FONT></STRONG></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="2%" colSpan=2 noWrap align=center><FONT size=1 face="Times New Roman"><STRONG>($)</STRONG></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=1 face="Times New Roman"><STRONG>(a)</STRONG></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;</STRONG></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;</STRONG></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;</STRONG></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;</STRONG></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;</STRONG></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Stephen T. Boswell</FONT></TD>

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

   <TD width="1%" noWrap align=left><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">101,000</FONT></TD>

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

   <TD width="1%" noWrap align=left><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

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

   <TD width="1%" noWrap align=left><FONT size=1 face="Times New Roman">$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">146,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Frank W. Baier</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">92,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">137,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Nicolas Minoia</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">90,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">135,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Frank Huttle III</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">62,500</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">107,500</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Daniel Rifkin</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">58,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">103,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">William A. Thompson</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">51,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">96,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Katherin Nukk-Freeman</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">51,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">96,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Michael Kempner</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">90,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Joseph Parisi Jr.</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">90,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Mark Sokolich</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">90,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Alexander Bol</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">43,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">88,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="83%" noWrap align=left><FONT size=1 face="Times New Roman">Anson Moise</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">17,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">45,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman">-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face="Times New Roman"></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 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=right><FONT size=1 face="Times New Roman">62,000</FONT></TD></TR></TABLE>


<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">We pay the non-employee members of the Company&#8217;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 1,605 restricted shares subject to forfeiture in 2021.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">43</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Interest of Management and Others in Certain Transactions; Review, Approval or Ratification of Transactions with Related Persons</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;s website at </FONT><I><FONT size=2 face="Times New Roman">www.connectonebank.com </FONT></I><FONT size=2 face="Times New Roman">under &#8220;For Shareholders&#8221; and then under &#8220;Documents and Notifications.&#8221;</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">By &#8220;related party transaction,&#8221; 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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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&#8217;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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 2021, we paid the MWW Group a total of $237,250 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 2022.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">We utilize Otterstedt Insurance Agency (&#8220;Otterstedt&#8221;), of which one of our directors Joseph Parisi, Jr. serves as Chairman of the Board and CEO. During 2021, we paid Otterstedt a total of $196,225 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 2022.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The lease for our Cresskill branch had an initial term ending on June 30, 2026. The initial rent for the branch was $157,795 per year, and the rent would 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 2021, the rent was $18,617 per month, which was equal to the prior year&#8217;s rent. In August of 2021, the premises was sold to an unaffiliated third party. For the eight months ended August 31, the Bank paid total rent of $148,935 for the Cresskill branch. For the entirety of 2022, the Bank paid a total of $223,404.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">44</FONT></P>

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<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The lease for our John Street, Hackensack branch has a term ending on December 31, 2026. The Bank has the option to extend the lease term for up to one additional five-year period. 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&#8217;s rent or the &#8220;market rent&#8221;, 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 2021, the Bank paid total rent of $209,477for the John Street, Hackensack branch.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 2021, the Bank paid total rent of 140,350 for the Summit, New Jersey branch.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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. The Bank has the option to extend the lease term for one additional five-year period. The rent paid by the Bank in 2021 was $261,880, 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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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 2021 was $108,135 with increases as set forth in the lease.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">45</FONT></P>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">PROPOSAL 2<BR>APPROVAL, ON AN ADVISORY BASIS, OF COMPENSATION OF THE COMPANY&#8217;S<BR>EXECUTIVE OFFICERS</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">The Board recommends that shareholders approve, in an advisory vote, the following resolution:</FONT></P>

<P STYLE="margin-left: 15pt; text-align: left"><B><FONT size=2 face="Times New Roman">&#8220;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.&#8221;</FONT></B></P>

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

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">RECOMMENDATION</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><B><FONT size=2 face="Times New Roman">THE BOARD OF DIRECTORS OF THE COMPANY RECOMMENDS THAT THE SHAREHOLDERS VOTE &#8220;FOR&#8221; THE ADVISORY PROPOSAL SET FORTH ABOVE.</FONT></B></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">46</FONT></P>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">PROPOSAL 3<BR>RATIFICATION OF INDEPENDENT AUDITORS</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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, 2022. 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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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, 2021 and 2020.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">PRINCIPAL ACCOUNTING FIRM FEES</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Aggregate fees billed to the company for the fiscal years ended December 31, 2021 and 2020 by the Company&#8217;s principal accounting firm are shown in the following table:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" ALIGN="CENTER" STYLE="line-height: 14pt; border-collapse: collapse; width: 80%">



<TR vAlign=bottom>

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

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

   <TD COLSPAN="5" STYLE="white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">Fiscal Year Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

   <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">December 31</FONT></B></TD></TR>

<TR vAlign=bottom>

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

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">2021</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=2 face="Times New Roman">2020</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 94%; white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Audit Fees</FONT></B></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: 1%; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">715,900</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: 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">616,600</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Audit Related Fees</FONT></B></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"><FONT size=2 face="Times New Roman">50,000</FONT></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"><FONT size=2 face="Times New Roman">200,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Tax Fees </FONT></B><B><FONT size=2 face="Times New Roman"><SUP>(1)</SUP></FONT></B></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"><FONT size=2 face="Times New Roman">28,820</FONT></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"><FONT size=2 face="Times New Roman">24,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">Other Fees</FONT></B></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">158,892</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">173,368</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Fees</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="border-bottom: Black 2pt double; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="border-bottom: Black 2pt double; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">953,612</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman"></FONT></TD>

   <TD STYLE="border-bottom: Black 2pt double; white-space: nowrap; text-align: left"><FONT size=2 face="Times New Roman">$</FONT></TD>

   <TD STYLE="border-bottom: Black 2pt double; white-space: nowrap; text-align: right"><FONT size=2 face="Times New Roman">1,013,968</FONT></TD></TR></TABLE>

<DIV>____________________</DIV><br>
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<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face="Times New Roman"><sup>(1)</Sup></FONT></TD>

   <TD width="99%" noWrap align=left><FONT size=2 face="Times New Roman">Consists of tax filing and tax related compliance and other advisory services.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Required Vote</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><B><FONT size=2 face="Times New Roman">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.</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face="Times New Roman">Recommendation</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><B><FONT size=2 face="Times New Roman">THE BOARD OF DIRECTORS RECOMMENDS THAT THE SHAREHOLDERS VOTE &#8220;FOR&#8221; THE RATIFICATION OF CROWE LLP AS THE COMPANY&#8217;S INDEPENDENT AUDITORS</FONT></B></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">47</FONT></P>
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<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">SHAREHOLDER PROPOSALS</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Proposals of shareholders to be included in the Company&#8217;s 2023 proxy material must be received by the secretary of the Company no later than January 24, 2023.</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face="Times New Roman">DELINQUENT SECTION 16(A) REPORTS</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">Section 16(a) of the Securities Exchange Act of 1934 requires the Company&#8217;s officers and directors, and persons who own more than ten percent of a registered class of the Company&#8217;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, 2021, except for each of Frank Sorrentino III, William S. Burns, Elizabeth Magennis, Christopher J. Ewing, Laura Criscone and Michael J. McGrover; each with respect to one transaction occurring on March 15, 2021, and two transactions occurring on March 19, 2021 (the &#8220;Delinquent Reports&#8221;). Each of the foregoing is related to netting transactions for tax withholding in connection with the vesting of restricted stock granted in prior years. Each of the Delinquent Reports results from delay in the calculations of the number of shares to be netted out.</FONT></P>

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

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face="Times New Roman">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.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Times New Roman">48</FONT></P>

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<div>

<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: 48%">
<P STYLE="text-align: justify; padding-left:8pt"><IMG border=0 src="co3987401-proxy.jpg"></P>
<DIV align=left><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> or scan the QR Barcode above</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 23, 2022. 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/CNOB2022</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 23, 2022. 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>
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<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>

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   <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">D73522-P70682&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">

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   <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>

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<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>

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<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>

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   <TD width="59%" noWrap align=left></TD>

   <TD width="30%" noWrap align=left></TD>

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   <TD width="5%" noWrap align=left></TD></TR></TABLE></DIV><BR clear=all>

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<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">Anson M. Moise</FONT></TD></TR>

<TR vAlign=bottom>

   <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>

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

   <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">08)</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">Katherin Nukk-Freeman</FONT></TD></TR>

<TR vAlign=bottom>

   <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">03)</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">Frank W. Baier</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">09)</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">Joseph Parisi Jr.</FONT></TD></TR>

<TR vAlign=bottom>

   <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">04)</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">Frank Huttle III</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face="Times New Roman">10)</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">Daniel Rifkin</FONT></TD></TR>

<TR vAlign=bottom>

   <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>

   <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">11)</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">Mark Sokolich</FONT></TD></TR>

<TR vAlign=bottom>

   <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">Nicholas Minoia</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">William A. Thompson</FONT></TD></TR>

</TABLE><BR>



<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="font-size: 7pt; line-height: normal; width: 100%">



<TR vAlign=bottom>

   <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 and 3.</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>



   <TR vAlign=bottom>

   <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">3.</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, 2022.</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>





<TR vAlign=bottom>

   <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>

   <TD STYLE="white-space: nowrap; vertical-align: top; text-align: left; padding-left: 2pt; padding-right: 2pt"></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; text-align: left; padding-left: 2pt; padding-right: 2pt"></TD>

   <TD STYLE="white-space: nowrap; vertical-align: top; text-align: left; padding-left: 2pt; padding-right: 2pt"></TD></TR></TABLE>

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<TABLE style="FONT-SIZE: 8pt; LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 border=0>



<TR>

   <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>

   <TD width="50%"></TD></TR>

<TR>

   <TD width="50%"><FONT face="Times new roman">&nbsp;</FONT></TD>

   <TD width="50%">&nbsp;</TD></TR></TABLE></DIV>

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   <TD style="BORDER-TOP: #000000 1pt solid; BORDER-BOTTOM: #000000 1.5pt solid; BORDER-LEFT: #000000 1pt solid" width="18%" noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.5pt solid" width="9%" noWrap align=left>&nbsp;</TD>

   <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>

   <TD style="BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: #000000 1pt solid; BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.5pt solid" width="9%" noWrap align=left>&nbsp;</TD>

   <TD width="19%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <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>

   <TD style="WIDTH: 9%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap><FONT face="Times new roman">Date</FONT></TD>

   <TD style="WIDTH: 24%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap>&nbsp;</TD>

   <TD style="WIDTH: 18%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left; PADDING-RIGHT: 45pt" noWrap><FONT face="Times new roman">Signature (Joint Owners)</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>

   <TD style="WIDTH: 9%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap><FONT face="Times new roman">Date</FONT></TD>

   <TD style="WIDTH: 19%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap></TD></TR></TABLE></DIV>



<P style="TEXT-ALIGN: center"><B><FONT size=1 face="Times new roman">&nbsp;</FONT></B></P>
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<P align=center><FONT size=2 face="Times new roman"><B>Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting:</B></FONT><BR>
<FONT size=2 face="Times new roman">The Notice and Proxy Statement and Form 10-K are available at www.proxyvote.com.</FONT></P>
<BR>
<BR>
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   <TD STYLE="border-bottom: Black 1.5pt dashed; width: 100%; padding-bottom: 8pt; text-align: justify"><B><FONT size=2 face="Times new roman">&nbsp;</FONT></B></TD></TR></TABLE>

<DIV STYLE="text-align: right; margin-top: 4pt; margin-bottom: 2pt;"><FONT SIZE=1 FACE="Times New Roman">D73523-P70682</FONT></DIV>

<DIV style="BORDER-TOP: black 2pt solid; BORDER-RIGHT: black 2pt solid; BORDER-BOTTOM: black 2pt solid; FLOAT: right; PADDING-BOTTOM: 10pt; PADDING-TOP: 4pt; BORDER-LEFT: black 2pt solid">

<P align=center><B><FONT size=2 face="Times new roman">CONNECTONE BANCORP, INC.<BR>Revocable Proxy for Annual Meeting<BR>of Shareholders May 24, 2022<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/CNOB2022.  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, and "FOR"
ratification of the appointment of Crowe LLP as the Company's independent registered public accountants.
</FONT></B></P><BR><BR><br>

<DIV style="TEXT-ALIGN: center"><B><FONT size=2 face="Times new roman">Continued and to be signed on reverse side<br>
</FONT></B><br>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
