<SEC-DOCUMENT>0001104659-23-069389.txt : 20230608
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<ACCEPTANCE-DATETIME>20230608161521
ACCESSION NUMBER:		0001104659-23-069389
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20230606
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Submission of Matters to a Vote of Security Holders
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20230608
DATE AS OF CHANGE:		20230608

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFA FINANCIAL, INC.
		CENTRAL INDEX KEY:			0001055160
		STANDARD INDUSTRIAL CLASSIFICATION:	REAL ESTATE INVESTMENT TRUSTS [6798]
		IRS NUMBER:				133974868
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13991
		FILM NUMBER:		231002084

	BUSINESS ADDRESS:	
		STREET 1:		350 PARK AVENUE
		STREET 2:		20TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
		BUSINESS PHONE:		2122076400

	MAIL ADDRESS:	
		STREET 1:		350 PARK AVE
		STREET 2:		20TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFA MORTGAGE INVESTMENTS
		DATE OF NAME CHANGE:	20020809

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICA FIRST MORTGAGE INVESTMENTS INC
		DATE OF NAME CHANGE:	19980211
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<p style="margin: 0">&#160;</p>

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<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 10pt">SECURITIES AND EXCHANGE
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Pursuant to Section&#160;13 or 15(d) of the</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed since last report)</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Check the appropriate box below if the Form 8-K filing is
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<p style="margin: 0">&#160;</p>

<p style="margin: 0"><span style="font-family: Times New Roman, Times, Serif">Securities registered pursuant to Section 12(b) of the Act:</span></p>

<p style="margin: 0">&#160;</p>

<p style="margin: 0"></p>

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 registered:</b></span></p>
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</table>
<p style="margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif">Emerging
growth company&#160;</span><span style="font-family: Wingdings"><span id="xdx_901_edei--EntityEmergingGrowthCompany_c20230606__20230606_zrD1PsFApPOc"><ix:nonNumeric contextRef="From2023-06-06to2023-06-06" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif">If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period
for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <span style="font-family: Wingdings">&#168;</span></span><span style="font-family: Wingdings"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Wingdings"></span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Item 5.02</b></span> <span style="font-size: 10pt"><b>&#8239;&#8239;Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers</b></span></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&#160; On June&#160;6, 2023, MFA Financial,&#160;Inc.
(together with its subsidiaries, the &#8220;Company&#8221;) held its 2023 Annual Meeting of Stockholders (the &#8220;Annual Meeting&#8221;),
at which the Company's stockholders approved the Company&#8217;s Equity Compensation Plan (the &#8220;Equity Compensation Plan&#8221;),
which is an amendment and restatement of the Company&#8217;s previous equity compensation plan.&#160;&#160;The Equity Compensation Plan
became effective upon the approval of the Company&#8217;s stockholders at the Annual Meeting (see Item 5.07 below).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Equity Compensation Plan is intended to provide
incentives to key officers and employees and directors of the Company and others expected to provide significant services to the Company
to encourage a proprietary interest in the Company, to retain current employees and attract new employees to the Company and to provide
additional incentives to others to increase their efforts in providing significant services to the Company.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">A description of the material terms of the Equity
Compensation Plan is included in the Company&#8217;s definitive proxy statement (the &#8220;Proxy Statement&#8221;) filed with the Securities
and Exchange Commission on April&#160;24, 2023, under the heading &#8220;4. Approval of the MFA Financial,&#160;Inc. Equity Compensation
Plan, as Amended and Restated&#8221; and is incorporated herein by reference. A copy of the Equity Compensation Plan, which is attached
to the Proxy Statement as Appendix B, is filed as Exhibit&#160;10.1 to this Form&#160;8-K and is also incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 5.07&#8239;&#8239; Submission of Matters to a Vote of Security Holders.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">As
indicated above, on June&#160;6, 2023, MFA Financial,&#160;Inc. (the &#8220;Company&#8221;) held its Annual Meeting. The Annual Meeting
was held </span>for the purpose of: (i)&#160;electing two Class&#160;I directors to serve on the Board until the 2026 Annual Meeting of
Stockholders and until their successors are duly elected and qualify; (ii)&#160;considering and voting on the ratification of the appointment
of KPMG LLP as the Company&#8217;s independent registered public accounting firm for the fiscal year ending December&#160;31, 2023; (iii)&#160;considering
and voting on an advisory (non-binding) resolution to approve the Company&#8217;s executive compensation; (iv)&#160;considering and voting
on the Company&#8217;s Equity Compensation Plan; and (v)&#160;considering and voting on an advisory (non-binding) proposal regarding the
frequency of the advisory (non-binding) vote on the Company&#8217;s executive compensation.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As disclosed in the Company&#8217;s proxy statement,
dated April&#160;24, 2023, as of April&#160;10, 2023 (the record date for stockholders of the Company entitled to notice of and to vote
at the Annual Meeting), the Company had issued and outstanding 101,912,357 shares of common stock, each of which was entitled to one vote
at the Annual Meeting. A quorum of 76,076,397 shares of common stock of the Company, which represented approximately 74.65% of the issued
and outstanding shares of common stock, was present in person or by proxy at the Annual Meeting.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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    <!-- Field: /Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The final voting results for each of the proposals
submitted to a vote of stockholders at the Annual Meeting are set forth below.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><b><i>Proposal
1. </i></b></span>The two nominees for election to the Board were elected to serve on the Board until the 2026 Annual Meeting of Stockholders
and until their successors are duly elected and qualify, based on the following votes:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><span style="font-size: 10pt">Name of Class&#160;I
    <br />
Nominee</span></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center; padding-bottom: 1pt"><span style="font-size: 10pt">&#160;</span></td>
    <td colspan="2" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><span style="font-size: 10pt">For</span></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center; padding-bottom: 1pt"><span style="font-size: 10pt">&#160;</span></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center; padding-bottom: 1pt"><span style="font-size: 10pt">&#160;</span></td>
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    <td style="text-align: left"><span style="font-size: 10pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 10pt">&#160;</span></td><td style="text-align: left"><span style="font-size: 10pt">&#160;</span></td><td><span style="font-size: 10pt">&#160;</span></td>
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    <td style="text-align: left"><span style="font-size: 10pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 10pt">&#160;</span></td><td style="text-align: left"><span style="font-size: 10pt">&#160;</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="background-color: white">As indicated above, each of the
nominees for director received over a majority of votes cast on a per director basis, and therefore, each of the nominees has been duly
elected to serve as a Class&#160;I director of the Company.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><b><i>Proposal
2. </i></b></span>The ratification of the appointment of KPMG LLP as the Company&#8217;s independent registered public accounting firm
for the fiscal year ending December&#160;31, 2023, was approved, based on the following votes:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 55%">
  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><b><i>Proposal
3. </i></b></span>The proposal to consider, on an advisory (non-binding) basis, the Company&#8217;s executive compensation was approved,
based on the following votes:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><b><i>Proposal
4. </i></b></span>The proposal to consider the Company&#8217;s Equity Compensation Plan (which amended and restated of the Company&#8217;s
previous equity compensation plan) was approved, based on the following votes:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: center">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; width: 22%; text-align: center">50,713,385</td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: center">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#160;</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><b><i>Proposal
5.&#160;</i></b></span>The advisory (non-binding) recommendation of the frequency of future votes on MFA&#8217;s executive compensation
received the following votes:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom; background-color: White">
    <td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 23%; text-align: center">1 Year</td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 1%; padding-bottom: 1pt">&#160;</td>
    <td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 1%; text-align: center">&#160;</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 17%; text-align: center">2 Years</td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 1%; padding-bottom: 1pt">&#160;</td>
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    <td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 1%; text-align: center">&#160;</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; width: 17%; text-align: center">Broker Non-Votes</td><td style="font: bold 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 1pt; text-align: center">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  </table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Based upon the voting results set forth above under Proposal 5, the
Board has determined, based on the recommendation of its Compensation Committee, that future advisory (non-binding) votes on MFA&#8217;s
executive compensation will be submitted to stockholders on an annual basis.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 8%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Item 9.01</b></span></td><td style="width: 92%"><span style="font-size: 10pt"><b>Financial Statements and Exhibits</b></span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0.5in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</span></td><td style="text-align: justify"><span style="font-size: 10pt">Exhibits</span></td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.5in"><a href="tm2317989d1_ex10-1.htm">10.1</a></td><td><a href="tm2317989d1_ex10-1.htm">MFA Financial,&#160;Inc. Equity Compensation Plan</a></td></tr><tr style="vertical-align: top">
<td>&#160;</td><td>&#160;</td></tr>
                                                                                                 <tr style="vertical-align: top">
<td>104</td><td>Cover Page Interactive Data File (formatted as Inline XBRL)</td></tr>
                                                                                                 </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURE</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td><span style="font-size: 10pt">&#160;</span></td>
<td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">MFA FINANCIAL,&#160;INC.&#160;</span></td></tr>
<tr style="vertical-align: bottom">
<td><span style="font-size: 10pt">&#160;</span></td>
<td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">(REGISTRANT)</span></td></tr>
<tr style="vertical-align: bottom">
<td><span style="font-size: 10pt">&#160;</span></td>
<td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">&#160;</span></td></tr>
<tr style="vertical-align: bottom">
<td style="width: 50%"><span style="font-size: 10pt">&#160;</span></td>
<td style="font: 10pt Times New Roman, Times, Serif; width: 3%"><span style="font-size: 10pt">By:</span></td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%"><span style="font-size: 10pt">/s/ Harold E. Schwartz</span></td></tr>
<tr style="vertical-align: bottom">
<td><span style="font-size: 10pt">&#160;</span></td>
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">Name: Harold E. Schwartz&#160;</span></td></tr>
<tr style="vertical-align: bottom">
<td><span style="font-size: 10pt">&#160;</span></td>
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">Title: Senior Vice President and General Counsel</span></td></tr>
</table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: June&#160;8, 2023</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>EXHIBIT&#160;INDEX</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: left"><span style="text-decoration: underline">Exhibit&#160;No.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 90%"><span style="text-decoration: underline">Description</span></td></tr>
  </table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 10%"><a href="tm2317989d1_ex10-1.htm">10.1</a></td><td style="width: 90%"><a href="tm2317989d1_ex10-1.htm">MFA Financial,&#160;Inc. Equity Compensation Plan</a></td></tr><tr style="vertical-align: top">
<td>&#160;</td><td>&#160;</td></tr>
                                                                                                                  <tr style="vertical-align: top">
<td>104</td><td>Cover Page Interactive Data File (formatted as Inline XBRL)</td></tr>
                                                                                                                  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>


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

<P STYLE="text-align: right; margin: 0"><B>Exhibit 10.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>MFA FINANCIAL,&nbsp;INC. EQUITY COMPENSATION
PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Amended and Restated effective as of June&nbsp;6,
2023)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">1.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">PURPOSE.
The Plan is intended to provide incentives to key employees, officers and directors expected to provide significant services to the Company,
including the employees, officers and directors of the other Participating Companies, to encourage a proprietary interest in the Company,
to encourage such key employees to remain in the employ of the Company and the other Participating Companies, and to attract new employees
with outstanding qualifications. In furtherance thereof, the Plan permits awards of equity-based incentives to key employees, officers
and directors of the Company or any other Participating Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">The Plan was originally effective
as of May&nbsp;20, 2010 and was subsequently amended restated as of May&nbsp;21, 2015 and June&nbsp;10, 2020. This amended and restated
Plan will be effective as of June&nbsp;6, 2023, subject to approval by the Company&rsquo;s stockholders (the &ldquo;2023 Amendment Effective
Date&rdquo;). Except as otherwise provided in Section&nbsp;6(c)&nbsp;below, changes made pursuant to this amendment and restatement shall
only apply to Grants made on or after the 2023 Amendment Effective Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.25in; margin-top: 0pt; margin-bottom: 0pt"> <FONT STYLE="color: #231F20">2.&#8239;</FONT> DEFINITIONS. As used in this Plan, the following definitions apply:</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;Act&rdquo; shall mean the Securities
Act of 1933, as amended.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Agreement&rdquo; shall
mean a written agreement entered into between the Company and a Grantee pursuant to the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;Board&rdquo; shall mean the Board
of Directors of the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Cause&rdquo; shall mean,
unless otherwise provided in an Agreement or defined in a written employment agreement between the Grantee and the Company or a subsidiary,
(i)&nbsp;engaging in (A)&nbsp;willful or gross misconduct or (B)&nbsp;willful or gross neglect, (ii)&nbsp;repeatedly failing to adhere
to the directions of superiors or the Board or the written policies and practices of the Company, (iii)&nbsp;the commission of a felony
or a crime of moral turpitude, or any crime involving the Company, (iv)&nbsp;fraud, misappropriation, embezzlement or material or repeated
insubordination, (v)&nbsp;a material breach of the Grantee&rsquo;s employment agreement (if any) with the Company (other than a termination
of employment by the Grantee) or any material Company policy, or (vi)&nbsp;any illegal act detrimental to the Company; all as determined
by the Committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;Charter&rdquo; shall mean the charter
of the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Code&rdquo; shall mean
the Internal Revenue Code of 1986, as amended, and the regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Committee&rdquo; shall
mean (i)&nbsp;the Compensation Committee of the Board or such other committee appointed by the Board in accordance with Section&nbsp;4
of the Plan; provided, however, that the Committee shall at all times consist solely of persons who, at the time of their appointment,
are each qualified as a &ldquo;Non-Employee Director&rdquo; under Rule&nbsp;16b-3(b)(3)(b)(i)&nbsp;promulgated under the Exchange Act
and an &ldquo;independent director&rdquo; as determined in accordance with independence standards established by the stock exchange on
which the Common Stock is at the time primarily listed or traded or (ii)&nbsp;the Board, where the Board is acting as the Committee or
performing the functions of the Committee.</P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Common Stock&rdquo; shall
mean the Company&rsquo;s common stock, par value $0.01 per share, either currently existing or authorized hereafter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;Company&rdquo; shall mean MFA Financial,&nbsp;Inc.,
a Maryland corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;DER&rdquo; shall mean a
right awarded under Section&nbsp;11 of the Plan to receive (or have credited) the equivalent value (in cash or Shares) of dividends paid
on Common Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Disability&rdquo; shall
mean, unless otherwise provided in an Agreement or defined in a written employment agreement between the Grantee and the Company or a
subsidiary, the occurrence of an event which would entitle the Grantee to the payment of disability income under one of the Company&rsquo;s
approved long-term disability income plans or a long-term disability as determined by the Committee in its discretion pursuant to any
other standard as may be adopted by the Committee. Notwithstanding the foregoing, no circumstances or condition shall constitute a Disability
to the extent that, if it were, a 20% tax would be imposed under Section&nbsp;409A of the Code; provided that, in such a case, the event
or condition shall continue to constitute a Disability to the maximum extent possible (e.g., if applicable, in respect of vesting without
an acceleration of distribution) without causing the imposition of such 20% tax. Nothing herein shall limit or restrict the payment of
any amount subject to Section&nbsp;409A of the Code upon an otherwise permitted payment event under Section&nbsp;409A of the Code, including
upon a Termination of Service.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Eligible Persons&rdquo;
shall mean officers, directors and Employees of the Participating Companies.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Employee&rdquo; shall mean
an individual, including an officer of a Participating Company, who is employed (within the meaning of Code Section&nbsp;3401 and the
regulations thereunder) as an employee by the Participating Company. In no event shall any of the following persons be considered an Employee
for purposes of the Plan: (i)&nbsp;independent contractors, (ii)&nbsp;persons performing services pursuant to an arrangement with a third
party leasing organization or (iii)&nbsp;any person whom the Company determines, in its discretion, is not a common law employee, whether
or not any such person is later determined to have been a common law employee of the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;Exchange Act&rdquo; shall mean the
Securities Exchange Act of 1934, as amended.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Exercise Price&rdquo; shall
mean (i)&nbsp;the price per Share of Common Stock, determined by the Board or the Committee, at which an Option may be exercised or (ii)&nbsp;the
base price, determined by the Board or the Committee, of a Stock Appreciation Right.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;Fair Market Value&rdquo; shall mean
the value of one share of Common Stock, determined as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">If the Shares are then listed on a national stock exchange, the closing sales price per Share on the
exchange for the last preceding date on which there was a sale of Shares on such exchange, as determined by the Committee.</FONT></TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">If the Shares are not then listed on a national stock exchange but are then traded on an over-the-counter
market, the average of the closing bid and asked prices for the Shares in such over-the-counter market for the last preceding date on
which there was a sale of such Shares in such market, as determined by the Committee.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">If neither (i)&nbsp;nor (ii)&nbsp;applies, such value as the Committee in its discretion may in good
faith determine. Notwithstanding the foregoing, where the Shares are listed or traded, the Committee may make discretionary determinations
in good faith where the Shares have not been traded for 10 trading days.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">Notwithstanding the foregoing,
with respect to any &ldquo;stock right&rdquo; within the meaning of Section&nbsp;409A of the Code, Fair Market Value shall not be less
than the &ldquo;fair market value&rdquo; of the Shares determined in accordance with Treasury Regulation 1.409A-1(b)(5)(iv).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Grant&rdquo; shall mean
the issuance of an Incentive Stock Option, Non-qualified Stock Option, Stock Appreciation Right, Restricted Stock, Phantom Share, DER,
other equity-based grant as contemplated herein or any combination thereof as applicable to an Eligible Person. The Committee will determine
the eligibility of Employees, officers and directors based on, among other factors, the position and responsibilities of such individuals
and the nature and value to the Participating Company of such individuals&rsquo; accomplishments and potential contribution to the success
of the Participating Company whether directly or through its subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Grantee&rdquo; shall mean
an Eligible Person to whom Options, Stock Appreciation Rights, Restricted Stock, Phantom Shares, DERs or other equity-based awards are
granted hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Incentive Stock Option&rdquo;
shall mean an Option of the type described in Section&nbsp;422(b)&nbsp;of the Code issued to an Employee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Non-qualified Stock Option&rdquo;
shall mean an Option not described in Section&nbsp;422(b)&nbsp;of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Option&rdquo; shall mean
any option, whether an Incentive Stock Option or a Non-qualified Stock Option, to purchase, at a price and for the term fixed by the Committee
in accordance with the Plan, and subject to such other limitations and restrictions in the Plan and the applicable Agreement, a number
of Shares determined by the Committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Participating Companies&rdquo;
shall mean the Company and any of its Subsidiaries which with the consent of the Board participate in the Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Phantom Share&rdquo; shall
mean a right, pursuant to the Plan, of the Grantee to payment of the Phantom Share Value, in cash, shares of Common Stock, or a combination
of cash and shares of Common Stock, as determined by the Agreement; Phantom Shares shall include, but not be limited to, restricted stock
units.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Phantom Share Value,&rdquo;
per Phantom Share, shall mean the Fair Market Value of a Share or, if so provided by the Committee, such Fair Market Value to the extent
in excess of a base value established by the Committee at the time of grant.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Plan&rdquo; shall mean
the Company&rsquo;s Equity Compensation Plan, as set forth herein, and as the same may from time to time be amended.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Purchase Price&rdquo; shall
mean the Exercise Price times the number of Shares with respect to which an Option is exercised.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Restricted Stock&rdquo;
shall mean an award of Shares that are subject to restrictions hereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Retirement&rdquo; shall
mean, unless otherwise provided in an Agreement or defined in a written employment agreement between the Grantee and the Company or a
subsidiary, the Termination of Service (other than for Cause) of a Grantee:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">on or after the Grantee&rsquo;s attainment of age 65;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">on or after the Grantee&rsquo;s attainment of age 55 with five consecutive years of service with the
Participating Companies; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">as determined by the Committee in its discretion pursuant to such other standard as may be adopted by
the Committee.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Stock Appreciation Right&rdquo;
shall mean a right to receive a payment in cash, shares of Common Stock or a combination thereof, in an amount equal to the excess of
(i)&nbsp;the Fair Market Value of a specified number of shares of Common Stock on the date the Stock Appreciation Right is exercised over
(ii)&nbsp;the Fair Market Value of such shares of Common Stock on the date the Stock Appreciation Right is granted, all as determined
by the Committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Shares&rdquo; shall mean
shares of Common Stock of the Company, adjusted in accordance with Section&nbsp;15 of the Plan (if applicable).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Subsidiary&rdquo; shall
mean any corporation, partnership or other entity at least 50% of the economic interest in the equity of which is owned, directly or indirectly,
by the Company or by another subsidiary.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Successors of the Grantee&rdquo;
shall mean the legal representative of the estate of a deceased Grantee or the person or persons who shall acquire the right to a Grant
by bequest or inheritance or by reason of the death of the Grantee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Termination of Service&rdquo;
shall mean the time when the employee-employer relationship or directorship between the Grantee and the Participating Companies is terminated
for any reason, with or without Cause, including, but not limited to, any termination by resignation, discharge, death or Retirement;
provided, however, Termination of Service shall not include a termination where there is a simultaneous reemployment of the Grantee by
a Participating Company or other continuation of service (sufficient to constitute service as an Eligible Person) for a Participating
Company. The Committee, in its discretion, shall determine the effects of all matters and questions relating to Termination of Service,
including, but not limited to, the question of whether any Termination of Service was for Cause and all questions of whether particular
leaves of absence constitute Terminations of Service. For this purpose, the service relationship shall be treated as continuing intact
while the Grantee is on military leave, sick leave or other bona fide leave of absence (to be determined by the Committee in its discretion).
Notwithstanding the foregoing, with respect to any Grant that is subject to Section&nbsp;409A of the Code, Termination of Service shall
be interpreted in a manner that is consistent with the definition of a &ldquo;separation from service&rdquo; under Section&nbsp;409A of
the Code and Treasury Regulation 1.409A-1(h).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">3.&#8239; EFFECTIVE DATE. The initial
effective date of the Plan was May&nbsp;20, 2010. This amended and restated Plan shall become effective on the 2023 Amendment Effective
Date, subject to approval by the Company&rsquo;s stockholders. The Plan shall terminate on, and no award shall be granted hereunder on
or after, the tenth anniversary of the 2023 Amendment Effective Date; provided, however, that the Board may at any time prior to that
date terminate the Plan.</P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 4. &#8239;ADMINISTRATION.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Membership
on Committee. The Plan shall be administered by the Committee appointed by the Board. If no Committee is designated by the Board to act
for those purposes, the full Board shall have the rights and responsibilities of the Committee hereunder and under the Agreements.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Committee
Meetings. The acts of a majority of the members present at any meeting of the Committee at which a quorum is present, or acts approved
in writing or by electronic transmission by each member of the Committee, shall be the acts of the Committee for purposes of the Plan.</FONT></P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> c. &#8239;<FONT STYLE="font-size: 10pt">Grant of Awards.</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">The Committee shall from time to time in its discretion select the Eligible Persons who are to be issued
Grants and determine the number and type of Grants to be issued under any Agreement to an Eligible Person. In particular, the Committee
shall (A)&nbsp;determine the terms and conditions, not inconsistent with the terms of the Plan, of any Grants awarded hereunder (including,
but not limited to the performance goals and periods applicable to the award of Grants, any restrictive covenant obligations (such as
confidentiality, non-competition and non-solicitation covenants) and clawback or recoupment provisions, as the Committee may deem advisable);
(B)&nbsp;determine the time or times when and the manner and condition in which each Option and Stock Appreciation Right shall be exercisable
and the duration of the exercise period; and (C)&nbsp;determine or impose other conditions to the Grant or exercise of Options or Stock
Appreciation Rights under the Plan as it may deem appropriate. The Committee may determine the extent, if any, to which Options, Stock
Appreciation Rights, Phantom Shares, Shares (whether or not Shares of Restricted Stock), DERs or other equity-based awards shall be forfeited
(whether or not such forfeiture is expressly contemplated hereunder), and take any other actions and make any other determinations or
decisions that it deems necessary or appropriate in connection with the Plan or the administration or interpretation thereof. The Committee
shall also cause each Option to be designated as an Incentive Stock Option or a Non-qualified Stock Option, except that no Incentive Stock
Options may be granted to an Eligible Person who is not an Employee of the Company (or one of its Subsidiaries, to the extent permitted
by Section&nbsp;422 of the Code). The Grantee shall take whatever additional actions and execute whatever additional documents the Committee
may in its reasonable judgment deem necessary or advisable in order to carry out or effect one or more of the obligations or restrictions
imposed on the Grantee pursuant to the express provisions of the Plan and the Agreement. DERs will be paid in cash or other consideration
at such times and in accordance with such rules, as the Committee shall determine in its discretion. Unless expressly provided hereunder,
the Committee, with respect to any Grant, may exercise its discretion hereunder at the time of the award or thereafter.</FONT></TD></TR></TABLE>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Notwithstanding clause (i)&nbsp;of this Section&nbsp;4(c), any award under the Plan to an Eligible Person
who is a member of the Board shall be made by the full Board. With respect to such awards, the Board shall have all authority otherwise
provided to the Committee pursuant to the Plan.</FONT></TD></TR></TABLE>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> d. &#8239;<FONT STYLE="font-size: 10pt">Awards.</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">Agreements. Grants to Eligible Persons shall be evidenced by written Agreements in such form as the
Committee shall from time to time determine. Such Agreements shall comply with and be subject to the terms and conditions set forth herein.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Grantee Acknowledgment. All Grants shall be made conditional upon the Grantee&rsquo;s acknowledgement,
in writing or by on-line or other acceptance of the Grant, that all decisions and determinations of the Committee shall be final and binding
on the Grantee, his or her beneficiaries and any other person having or claiming an interest under such Grant.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">Number of Shares. Each Grant issued to an Eligible Person shall state the number of Shares to which
it pertains or which otherwise underlie the Grant and shall provide for the adjustment thereof in accordance with the provisions of Section&nbsp;15
hereof.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD><FONT STYLE="font-size: 10pt">Grants. Subject to the terms and conditions of the Plan and consistent with the Company&rsquo;s intention
for the Committee to exercise the greatest permissible flexibility under Rule&nbsp;16b-3 under the Exchange Act in awarding Grants, the
Committee shall have the powers described elsewhere in the Plan and the power:</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(1)</TD><TD><FONT STYLE="font-size: 10pt">to determine from time to time the Grants to be issued to Eligible Persons under the Plan and to prescribe
the terms and provisions (which need not be identical) of Grants issued under the Plan to such persons;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(2)</TD><TD><FONT STYLE="font-size: 10pt">to construe and interpret the Plan and the Grants thereunder and to establish, amend and revoke the
rules, regulations and procedures established for the administration of the Plan. In this connection, the Committee may correct any defect
or supply any omission, or reconcile any inconsistency in the Plan, in any Agreement, or in any related agreements, in the manner and
to the extent it shall deem necessary or expedient to make the Plan fully effective. All decisions and determinations by the Committee
in the exercise of this power shall be final and binding upon the Participating Companies and the Grantees. Without limiting the generality
of Section&nbsp;26, no member of the Committee shall be liable for any action or determination made in good faith with respect to the
Plan or any Grant hereunder;</FONT></TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(3)</TD><TD><FONT STYLE="font-size: 10pt">to amend any outstanding Grant, subject to Sections 17 and 18, and to accelerate or extend the vesting
or exercisability of any Grant (in compliance with Section&nbsp;409A of the Code, if applicable) and to waive conditions or restrictions
on any Grants, to the extent it shall deem appropriate; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(4)</TD><TD><FONT STYLE="font-size: 10pt">generally to exercise such powers and to perform such acts as are deemed necessary or expedient to promote
the best interests of the Company with respect to the Plan.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(v)</TD><TD><FONT STYLE="font-size: 10pt">All Grants made under the Plan shall be subject to the Company&rsquo;s clawback policy, as in effect
from time to time, and any applicable share trading policies and other policies that may be implemented by the Board or the Committee
from time to time. In furtherance of the foregoing, any Grant is subject to mandatory repayment by the Grantee to the Company to the extent
the Grantee is or in the future becomes subject to any Company clawback or recoupment policy that requires the repayment by the Grantee
to the Company of compensation paid by the Company to the Grantee upon circumstances specified in the policy.</FONT></TD></TR></TABLE>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 5. &#8239;PARTICIPATION.</P>



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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> a. &#8239;<FONT STYLE="font-size: 10pt">Eligibility. Only Eligible Persons shall be eligible to receive Grants under the Plan.</FONT></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Limitation
of Ownership. No Grants shall be issued under the Plan to any person who after such Grant would beneficially own more than 9.8% (in value
or number) of the outstanding shares of all classes and series of stock of the Company, unless the foregoing restriction is expressly
and specifically waived by action of the Board in accordance with the Charter.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Stock
Ownership. For purposes of Section&nbsp;5(b)&nbsp;above, in determining stock ownership a Grantee shall be considered as owning the stock
owned, directly or indirectly, by or for his brothers, sisters, spouses, ancestors and lineal descendants. Stock owned, directly or indirectly,
by or for a corporation, partnership, estate or trust shall be considered as being owned proportionately by or for its stockholders, partners
or beneficiaries. Stock with respect to which any person holds an Option shall be considered to be owned by such person.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">d.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Outstanding
Stock. For purposes of Section&nbsp;5(b)&nbsp;above, &ldquo;outstanding shares&rdquo; shall include all stock actually issued and outstanding
immediately after the issue of the Grant to the Grantee. With respect to the stock ownership of any Grantee, &ldquo;outstanding shares&rdquo;
shall include shares authorized for issue under outstanding Options held by such Grantee, but not options held by any other person.</FONT></P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 6. &#8239;SHARE RESERVE AND GRANT LIMITS</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to adjustments pursuant to Section&nbsp;6(c)&nbsp;and Section&nbsp;15, the aggregate number of shares of Common Stock that may be issued
on or after the 2023 Amendment Effective Date with respect to Grants under the Plan shall not exceed the sum of (i)&nbsp;the number of
shares of Common Stock subject to outstanding Grants under the Plan as of March&nbsp;31, 2023 (3,240,238 Shares) and (ii)&nbsp;5,228,310
Shares. All of the authorized Shares may be issued as Options or any other type of Grants.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">All Grants under the Plan shall be expressed in
shares of Common Stock (other than DERs, which need not be expressed in shares of Common Stock). The individual Share limits of this
subsection (b)&nbsp;shall apply without regard to whether the Grants are to be paid in shares of Common Stock or cash and shall not
apply to dividends or DERs which accrue or are paid with respect to Grants. Subject to adjustments pursuant to Section&nbsp;15 with
respect to clauses (i)&nbsp;and (ii)&nbsp;below:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.25in; color: #231F20">(i)&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
maximum number of Shares with respect to which any Options and Stock Appreciation Rights may be granted under the Plan in any one calendar
year to any Employee shall not exceed 2,000,000;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.25in; color: #231F20">(ii)&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
maximum number of Shares that may underlie Grants of Phantom Shares, Restricted Stock and other equity-based grants (other than Options
and Stock Appreciation Rights) granted under the Plan in any one calendar year to any Employee shall not exceed 2,000,000; and</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.25in; color: #231F20">(iii)&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
maximum grant date value of Shares subject to Grants made to any non-employee director during any one calendar year, taken together with
any cash fees payable to such non-employee director for services rendered during the calendar year, shall not exceed $600,000 in total
value. For purposes of this limit, the value of such Grants shall be calculated based on the grant date fair value of such Grants for
financial reporting purposes.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Notwithstanding
Section&nbsp;6(a), the following Shares may be the subject of further Grants under the Plan: (i)&nbsp;Shares that have been granted as
Restricted Stock or that have been reserved for distribution in payment for Options, Stock Appreciation Rights, Phantom Shares, dividends,
DERs or other equity-based grants, which are later forfeited or for any other reason are not payable in Shares under the Plan, (ii)&nbsp;Shares
as to which an Option or Stock Appreciation Right is granted under the Plan that remains unexercised at the expiration, forfeiture or
other termination of such Option or Stock Appreciation Right, and (iii)&nbsp;with respect to Grants of Restricted Stock, DERs and Phantom
Shares outstanding as of the 2023 Amendment Effective Date or granted following the 2023 Amendment Effective Date, Shares withheld or
surrendered for payment of taxes. Shares of Common Stock surrendered in payment of the Exercise Price of an Option, and Shares withheld
or surrendered for payment of taxes with respect to an Option or Stock Appreciation Right shall not be subject to further Grants under
the Plan. If Stock Appreciation Rights are exercised and settled in Common Stock, the full number of Shares subject to the Stock Appreciation
Rights shall be considered issued under the Plan, without regard to the number of Shares issued upon settlement of the Stock Appreciation
Rights. The preceding provisions of this Section&nbsp;6(c)&nbsp;shall apply only for purposes of determining the aggregate number of shares
of Common Stock that may be issued under the Plan under Section&nbsp;6(a), but shall not apply for purposes of determining the maximum
number of shares of Common Stock with respect to which Grants may be granted to any Grantee under Section&nbsp;6(b)&nbsp;of the Plan.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="color: #231F20">d.&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
the extent that Grants are </FONT></FONT><FONT STYLE="font-size: 10pt">d<FONT STYLE="color: #231F20">esignated in an Agreement to be paid
in cash or are otherwise paid in cash, and not in shares of Common Stock, such Grants shall not count against the share limits in Section&nbsp;6(a).
Shares of Common Stock issued hereunder may consist, in whole or in part, of authorized and unissued Shares or previously issued Shares
under the Plan. For the avoidance of doubt, if Shares of Common Stock are repurchased by the Company on the open market with the proceeds
of the Exercise Price of Options, such Shares may not again be made available for issuance under the Plan.</FONT></FONT></P>

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

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

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 7. &#8239;TERMS AND CONDITIONS OF OPTIONS AND STOCK APPRECIATION RIGHTS.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Each
Agreement with an Eligible Person shall state the Exercise Price. The Exercise Price for any Option or Stock Appreciation Right shall
not be less than the Fair Market Value on the date of Grant.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Notwithstanding
any provision of the Plan, DERs may not be granted with respect to Options or Stock Appreciation Rights.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
term of each Option and Stock Appreciation Right may not exceed ten years from the date of Grant, subject to Section&nbsp;8(b)&nbsp;with
respect to Incentive Stock Options.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">d.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Medium
and Time of Payment. Except as may otherwise be provided below, the Purchase Price for each Option granted to an Eligible Person shall
be payable in full in United States dollars upon the exercise of the Option. In the event the Company determines that it is required to
withhold taxes as a result of the exercise of an Option or Stock Appreciation Right, as a condition to the exercise thereof, an Employee
may be required to make arrangements satisfactory to the Company to enable it to satisfy such withholding requirements in accordance with
Section&nbsp;21. If the applicable Agreement so provides, or the Committee otherwise so permits, the Purchase Price may be paid in one
or a combination of the following:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">by a certified or bank cashier&rsquo;s check;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">by the surrender of shares of Common Stock in good form for transfer owned by the person exercising
the Option (or by attestation to such ownership), and having a Fair Market Value on the date of exercise equal to the Purchase Price,
or in any combination of cash and shares of Common Stock, as long as the sum of the cash so paid and the Fair Market Value of the shares
of Common Stock so surrendered equals the Purchase Price;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">by the withholding of shares of Common Stock for which an Option is exercisable;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD><FONT STYLE="font-size: 10pt">by delivering a properly executed exercise notice to the Company, together with a copy of irrevocable
instructions to a broker to deliver promptly to the Company the amount of sale proceeds to pay the Purchase Price, under procedures acceptable
to the Company; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(v)</TD><TD><FONT STYLE="font-size: 10pt">by any combination of such methods of payment or any other method acceptable to the Committee in its
discretion.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">The Committee may prescribe any
other method of paying the Exercise Price that it determines to be consistent with applicable law and the purpose of the Plan. Except
in the case of Options exercised by certified or bank cashier&rsquo;s check, the Committee may impose such limitations and prohibitions
on the exercise of Options as it deems appropriate, including, without limitation, any limitation or prohibition designed to avoid adverse
accounting consequences. Any fractional shares of Common Stock shall in the discretion of the Committee be paid in cash.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">e.</TD><TD><FONT STYLE="font-size: 10pt">Term and Nontransferability of Options and Stock Appreciation Rights.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">Each Option and Stock Appreciation Right granted under this Section&nbsp;7 shall state the time or times
which all or part thereof becomes exercisable, subject to the following restrictions.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">No Option or Stock Appreciation Right shall be exercisable except by the Grantee or a transferee permitted
hereunder.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">No Option or Stock Appreciation Right shall be assignable or transferable, except to the extent permitted
by Section&nbsp;19.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD><FONT STYLE="font-size: 10pt">No Option or Stock Appreciation Right shall be exercisable until such time as set forth in the applicable
Agreement (but in no event after the expiration of such Grant).</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(v)</TD><TD><FONT STYLE="font-size: 10pt">The Committee may not modify, extend or renew any Option or Stock Appreciation Right granted to any
Eligible Person unless such modification, extension or renewal shall satisfy any and all applicable requirements of Rule&nbsp;16b-3 under
the Exchange Act and Section&nbsp;409A of the Code, to the extent applicable, and subject to Sections 17 and 18.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">f.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Termination
of Service. Except as otherwise provided by the Committee, the Grantee&rsquo;s Options and Stock Appreciation Rights which are not otherwise
exercisable as of the Grantee&rsquo;s Termination of Service shall terminate as of such date. The Committee shall specify in an Agreement
such terms as the Committee deems appropriate, if any, with respect to the exercise of Options and Stock Appreciation Rights after a Grantee&rsquo;s
Termination of Service; provided that, no Option or Stock Appreciation Right may be exercised after expiration of its term. Unless otherwise
provided in the applicable Agreement, if there occurs a Termination of Service for Cause, all of the Grantee&rsquo;s Options and Stock
Appreciation Rights (whether or not such Options or Stock Appreciation Rights are otherwise vested) shall be canceled.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">g.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Rights
as a Stockholder. A Grantee or a Successor of the Grantee shall have no rights as a stockholder with respect to any Shares covered by
his or her Grant until, in the case of an Option or Stock Appreciation Right settled in Shares, the date of the issuance of a stock certificate
for such Shares or, if such Shares are not represented by certificates, the date the book entry for such Shares is recorded. No adjustment
shall be made for dividends (ordinary or extraordinary, whether in cash, securities or other property), distributions or other rights
for which the record date is prior to (i)&nbsp;the date such stock certificate is issued or (ii)&nbsp;if such Shares are not represented
by certificates, the date the book entry for such Shares is recorded, except in each case as provided in Section&nbsp;15.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">h.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Other
Provisions. The Agreement authorized under the Plan may contain such other provisions not inconsistent with the terms of the Plan (including,
without limitation, restrictions upon the exercise of the Option or Stock Appreciation Right) as the Committee shall deem advisable.</FONT></P>

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

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

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 8. &#8239;SPECIAL RULES FOR INCENTIVE STOCK OPTIONS.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the case of Incentive Stock Options granted hereunder, the aggregate Fair Market Value (determined as of the date of the Grant thereof)
of the Shares with respect to which Incentive Stock Options become exercisable by any Grantee for the first time during any calendar year
(under the Plan and all other plans maintained by the Participating Companies, their parent or Subsidiaries) shall not exceed $100,000.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">In
the case of an individual described in Section&nbsp;422(b)(6)&nbsp;of the Code (relating to certain 10% owners), the Exercise Price with
respect to an Incentive Stock Option shall not be less than 110% of the Fair Market Value of a Share on the day the Option is granted
and the term of an Incentive Stock Option shall be no more than five years from the date of grant.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
Shares acquired upon exercise of an Incentive Stock Option are disposed of in a disqualifying disposition within the meaning of Section&nbsp;422
of the Code by a Grantee prior to the expiration of either two years from the date of grant of such Option or one year from the transfer
of Shares to the Grantee pursuant to the exercise of such Option, or in any other disqualifying disposition within the meaning of Section&nbsp;422
of the Code, such Grantee shall notify the Company in writing as soon as practicable thereafter of the date and terms of such disposition.</FONT></P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 9.&#8239; PROVISIONS APPLICABLE TO RESTRICTED STOCK.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Vesting
Periods. In connection with the grant of Restricted Stock, whether or not Performance Goals apply thereto, the Committee may establish
one or more vesting periods with respect to the shares of Restricted Stock granted, the length of which shall be determined in the discretion
of the Committee and set forth in the applicable Agreement. Subject to the provisions of this Section&nbsp;9, the applicable Agreement
and the other provisions of the Plan, any restrictions on Restricted Stock shall lapse if the Grantee satisfies all applicable employment
or other service requirements through the end of the applicable vesting period.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Grant
of Restricted Stock. Subject to the other terms of the Plan, the Committee may, in its discretion as reflected by the terms of the applicable
Agreement: (i)&nbsp;authorize the granting of Restricted Stock to Eligible Persons; (ii)&nbsp;provide a specified purchase price for the
Restricted Stock (whether or not the payment of a purchase price is required by any state law applicable to the Company); (iii)&nbsp;determine
the restrictions applicable to Restricted Stock, if any, and (iv)&nbsp;determine or impose other conditions to the grant of Restricted
Stock under the Plan as it may deem appropriate.</FONT></P>

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

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

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> c. <FONT STYLE="font-size: 10pt">&#8239;Certificates.</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">In the discretion of the Committee, each Grantee of Restricted Stock may be issued a stock certificate
in respect of Shares of Restricted Stock awarded under the Plan. Any such certificate shall be registered in the name of the Grantee.
In addition to any legend that might otherwise be required by the Board or the Charter, bylaws or other applicable documents, the certificates,
if any, for Shares of Restricted Stock issued hereunder may include any legend which the Committee deems appropriate to reflect any restrictions
on transfer hereunder or under the applicable Agreement, or as the Committee may otherwise deem appropriate, and, without limiting the
generality of the foregoing, shall bear a legend referring to the terms, conditions, and restrictions applicable to such Grant, substantially
in the following form:</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; color: #231F20">THE TRANSFERABILITY OF THIS CERTIFICATE
AND THE SHARES OF STOCK REPRESENTED HEREBY ARE SUBJECT TO THE TERMS AND CONDITIONS (INCLUDING FORFEITURE) OF THE MFA FINANCIAL,&nbsp;INC.
EQUITY COMPENSATION PLAN, AND AN AGREEMENT ENTERED INTO BETWEEN THE REGISTERED OWNER AND MFA FINANCIAL,&nbsp;INC. COPIES OF SUCH PLAN
AND AWARD AGREEMENT ARE ON FILE IN THE OFFICES OF MFA FINANCIAL,&nbsp;INC. AT ONE VANDERBILT AVENUE, 48TH FLOOR, NEW YORK, NEW YORK 10017.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">The Committee may require that any stock certificates representing such Shares be held in custody by
the Company or its designee until the restrictions hereunder shall have lapsed and that, as a condition of any grant of Restricted Stock,
the Grantee shall have delivered to the Company or its designee a stock power, endorsed in blank, relating to the stock covered by such
Grant. If and when such restrictions so lapse, any stock certificates shall be delivered by the Company to the Grantee or his or her designee
as provided in Section&nbsp;9(d).</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">d.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Restrictions
and Conditions. Unless otherwise provided by the Committee in an Agreement, the Shares of Restricted Stock awarded pursuant to the Plan
shall be subject to the following restrictions and conditions:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">Subject to the provisions of the Plan and the applicable Agreement, during a period commencing with
the date of such Grant and ending on the date the period of forfeiture with respect to such Shares lapses, the Grantee shall not be permitted
voluntarily or involuntarily to sell, transfer, pledge, anticipate, alienate, encumber or assign Shares of Restricted Stock awarded under
the Plan (or have such Shares attached or garnished). Subject to the provisions of the applicable Agreement and clause (iii)&nbsp;below,
the period of forfeiture with respect to Shares granted hereunder shall lapse as provided in the applicable Agreement. Notwithstanding
the foregoing, unless otherwise expressly provided by the Committee, the period of forfeiture with respect to such Shares shall only lapse
as to whole Shares.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Except as provided in the foregoing clause (i), below in this clause (ii), or in Section&nbsp;15, or
as otherwise provided in the applicable Agreement, the Grantee shall have, in respect of the Shares of Restricted Stock, all of the rights
of a stockholder of the Company, including the right to vote the Shares. The Committee shall determine whether dividends with respect
to Shares of Restricted Stock will be paid as and when dividends on Common Stock are declared or at the time of vesting of the Shares
of Restricted Stock; provided that, dividends with respect to Shares of Restricted Stock that vest based on performance shall vest and
be paid only if and to the extent such Shares of Restricted Stock vest, as determined by the Committee. Certificates for Shares (not subject
to restrictions hereunder), or, in the event that the Company issues Shares without certificates, to the extent then required by the Maryland
General Corporation Law, a written statement of the information required by the Maryland General Corporation Law to be included on stock
certificates, shall be delivered to the Grantee or his or her designee promptly after, and only after, the period of forfeiture shall
lapse without forfeiture in respect of such Shares of Restricted Stock.</FONT></TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">Termination of Service. Unless otherwise provided in the applicable Agreement, if the Grantee has a
Termination of Service for any reason during the applicable period of forfeiture, then (A)&nbsp;all Restricted Stock still subject to
restriction shall thereupon, and with no further action, be forfeited by the Grantee, and (B)&nbsp;the Company shall pay to the Grantee
as soon as practicable (and in no event more than 30 days) after such termination an amount equal to the lesser of (x)&nbsp;the amount
paid by the Grantee, if any, for such forfeited Restricted Stock as contemplated by Section&nbsp;9(b), and (y)&nbsp;the Fair Market Value
on the date of termination of the forfeited Restricted Stock.</FONT></TD></TR></TABLE>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 10. PROVISIONS APPLICABLE TO PHANTOM SHARES.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Grant
of Phantom Shares. Subject to the other terms of the Plan, the Committee shall, in its discretion as reflected by the terms of the applicable
Agreement: (i)&nbsp;authorize the granting of Phantom Shares to Eligible Persons and (ii)&nbsp;determine or impose other conditions to
the grant of Phantom Shares under the Plan as it may deem appropriate.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Term.
The Committee may provide in an Agreement that any particular Phantom Share shall expire at the end of a specified term.</FONT></P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Vesting.</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">Subject to the provisions of the applicable Agreement and Section&nbsp;10(c)(ii)&nbsp;and (iii), Phantom
Shares shall vest as provided in the applicable Agreement.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Unless otherwise determined by the Committee in an applicable Agreement, in the event that a Grantee
has a Termination of Service, the Grantee&rsquo;s Phantom Shares which have not vested prior to or as of such termination shall thereupon,
and with no further action, be forfeited and cease to be outstanding, and except as provided in Section&nbsp;10(c)(iii), the Grantee&rsquo;s
vested Phantom Shares shall be settled as set forth in Section&nbsp;10(d).</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">Unless otherwise determined by the Committee in an applicable Agreement, if the Grantee has a Termination
of Service for Cause, all of the Grantee&rsquo;s Phantom Shares (whether or not such Phantom Shares are otherwise vested) shall thereupon,
and with no further action, be forfeited by the Grantee and cease to be outstanding, and no payments shall be made with respect to such
forfeited Phantom Shares.</FONT></TD></TR></TABLE>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> d. <FONT STYLE="font-size: 10pt">&#8239;Settlement of Phantom Shares.</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">Except as otherwise provided by the Committee, each vested and outstanding Phantom Share shall be settled
by the transfer to the Grantee of Shares representing such Phantom Share Value; provided, however, that, the Committee at the time of
grant (or, in the appropriate case, as determined by the Committee, thereafter) may provide that a Phantom Share may be settled (A)&nbsp;in
cash at the applicable Phantom Share Value, (B)&nbsp;in cash or by transfer of Shares as elected by the Grantee in accordance with procedures
established by the Committee or (C)&nbsp;in cash or by transfer of Shares as elected by the Company.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 13 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Each Phantom Share shall be settled with a single-sum payment by the Company; provided, however, that,
the Committee may permit the Grantee to elect in accordance with procedures established by the Committee (taking into account, without
limitation, Section&nbsp;409A of the Code, as the Committee may deem appropriate) to receive installment payments over a period not to
exceed 10 years. If the Grantee&rsquo;s Phantom Shares are paid out in installment payments, such installment payments shall be treated
as a series of separate payments for purposes of Section&nbsp;409A of the Code.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD>Each Phantom Share shall be settled on the date specified in the applicable Agreement
(such date, the &ldquo;Settlement Date&rdquo;); provided, however, that, subject to the requirements of Section&nbsp;409A of the Code,
to the extent permitted by the Committee, a Grantee may elect, in accordance with procedures to be adopted by the Committee, that such
Settlement Date will be deferred as elected by the Grantee to a time permitted by the Committee. Notwithstanding the prior sentence,
all initial elections to defer the Settlement Date shall be made in accordance with the requirements of Section&nbsp;409A of the Code.
In addition, unless otherwise determined by the Committee, any subsequent elections under this Section&nbsp;10(d)(iii)(1)&nbsp;must,
except as may otherwise be permitted under the rules&nbsp;applicable under Section&nbsp;409A of the Code, (A)&nbsp;not be effective for
at least one year after they are made, or, in the case of payments to commence at a specific time, be made at least one year before the
first scheduled payment and (B)&nbsp;defer the commencement of distributions (and each affected distribution) for at least five years.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                       <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD>(2)</TD><TD>Notwithstanding
the foregoing, unless the Agreement provides otherwise, in the event of the death of the Grantee, the Settlement Date, if&#8239;not&#8239;earlier
pursuant to this Section&nbsp;10(d)(iii), is the date of the Grantee&rsquo;s death as described in Section&nbsp;(e)(i)&nbsp;below.</TD></TR>
                                                                                                                                       </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD><FONT STYLE="font-size: 10pt">Notwithstanding any other provision of the Plan, to the extent consistent with Section&nbsp;409A of
the Code, a Grantee may receive any amounts to be paid in installments as provided in Section&nbsp;10(d)(ii)&nbsp;or deferred by the Grantee
as provided in Section&nbsp;10(d)(iii)&nbsp;upon the occurrence of an &ldquo;Unforeseeable Emergency.&rdquo; For these purposes, an &ldquo;Unforeseeable
Emergency,&rdquo; as determined by the Committee in its discretion, is a severe financial hardship to the Grantee resulting from a sudden
and unexpected illness or accident of the Grantee, the Grantee&rsquo;s spouse, or the Grantee&rsquo;s &ldquo;dependent,&rdquo; as defined
in Section&nbsp;152 of the Code (without regard to Section&nbsp;152(b)(1), (b)(2), and (d)(1)(B)), loss of the Grantee&rsquo;s property
due to casualty, or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the
Grantee. The circumstances that will constitute an Unforeseeable Emergency will depend upon the facts of each case, but, in any case,
payment may not be made to the extent that such hardship is or may be relieved:</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(1)</TD><TD><FONT STYLE="font-size: 10pt">through reimbursement or compensation by insurance or otherwise;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(2)</TD><TD><FONT STYLE="font-size: 10pt">by liquidation of the Grantee&rsquo;s assets, to the extent the liquidation of such assets would not
itself cause severe financial hardship; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(3)</TD><TD><FONT STYLE="font-size: 10pt">by future cessation of the making of additional deferrals under Section&nbsp;10(d)(ii)&nbsp;and (iii).</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">Without limitation, the need to
send a Grantee&rsquo;s child to college or the desire to purchase a home shall not constitute an Unforeseeable Emergency. Distributions
of amounts because of an Unforeseeable Emergency, as determined by the Committee, shall be permitted to the extent reasonably needed to
satisfy the emergency need.</P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> e.&#8239; <FONT STYLE="font-size: 10pt">Other Phantom Share Provisions.</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">In the event of a Grantee&rsquo;s death, unless an Agreement provides otherwise, any vested Phantom
Shares held by the Grantee shall be settled and the Phantom Share Value in respect of such Phantom Shares paid, and any payments deferred
pursuant to an election under Section&nbsp;10(d)(iii)&nbsp;shall be accelerated and paid, as soon as practicable (but no later than 60
days) after the date of death to such Grantee&rsquo;s estate.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">The Committee may establish a program (taking into account, without limitation, the application of Section&nbsp;409A
of the Code, as the Committee may deem appropriate) under which distributions with respect to Phantom Shares may be deferred for periods
in addition to those otherwise contemplated by the foregoing provisions of this Section&nbsp;10. Such program may include, without limitation,
provisions for the crediting of earnings and losses on unpaid amounts and, if permitted by the Committee, provisions under which Grantees
may select from among hypothetical investment alternatives for such deferred amounts in accordance with procedures established by the
Committee.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">Notwithstanding any other provision of this Section&nbsp;10, unless the Committee determines otherwise,
any fractional Phantom Share will be paid out in cash at the Phantom Share Value at the same time and consistent with the same payment
schedule as the Phantom Shares to which it relates.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD><FONT STYLE="font-size: 10pt">No Phantom Share shall give any Grantee any rights with respect to Shares or any ownership interest
in the Company. For the avoidance of doubt, DERs may, but need not, be granted in respect of Phantom Shares. Except as may be provided
in accordance with Section&nbsp;11, no provision of the Plan shall be interpreted to confer upon any Grantee of a Phantom Share any voting,
dividend or derivative or other similar rights with respect to any Phantom Share. DERs granted with respect to Phantom Shares that vest
based on performance shall vest and be paid only if and to the extent the underlying Phantom Shares vest and are paid, as determined by
the Committee.</FONT></TD></TR></TABLE>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 11.&#8239;PROVISIONS APPLICABLE TO DIVIDEND EQUIVALENT RIGHTS.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Grant
of DERs. Subject to the other terms of the Plan, the Committee shall, in its discretion as reflected by the terms of the Agreements, authorize
the granting of DERs to Eligible Persons based on the dividends declared on Common Stock, to be credited as of the dividend payment dates,
during the period between the date a Grant is issued, and the date such Grant vests or expires, as determined by the Committee. DERs may
be granted on Phantom Shares and other equity based awards other than Options and Stock Appreciation Rights. DERs may be converted to
cash, additional Shares or Phantom Shares by such formula and at such time and subject to such limitation as may be determined by the
Committee. If a DER is granted in respect of a Grant hereunder, then, unless otherwise stated in the Agreement, or, in the appropriate
case, as determined by the Committee, in no event shall the DER be in effect for a period beyond the time during which the applicable
related portion of the underlying Grant has been settled, or has expired, been forfeited or otherwise lapsed, as applicable. For the avoidance
of doubt, DERs may not be granted with respect to Options or Stock Appreciation Rights.</FONT></P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">b.</TD><TD><FONT STYLE="font-size: 10pt">Certain Terms.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">The term of a DER shall be set by the Committee in its discretion.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Payment of the amount determined in accordance with Section&nbsp;11(a)&nbsp;shall be in cash, in Common
Stock or a combination of both, as determined by the Committee.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">The Committee shall determine whether DERs will be paid as and when dividends are declared, at the time
of payment of any underlying Grant or deferred as described below in Section&nbsp;11(c); provided that, DERs granted with respect to Grants
that vest based on performance shall vest and be paid only if and to the extent the underlying Grant vests and is paid, as determined
by the Committee.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">c.</TD><TD><FONT STYLE="font-size: 10pt">Deferral.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">The Committee may (taking into account, without limitation, the possible application of Section&nbsp;409A
of the Code, as the Committee may deem appropriate) establish a program under which Grantees (i)&nbsp;will have Phantom Shares credited,
subject to the terms of Sections 10(d)&nbsp;and 10(e)&nbsp;as though directly applicable with respect thereto, upon the granting of DERs,
or (ii)&nbsp;will have payments with respect to DERs deferred.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">The Committee may establish a program under which distributions with respect to DERs may be deferred.
Such program may include, without limitation, provisions for the crediting of earnings and losses on unpaid amounts, and, if permitted
by the Committee, provisions under which Grantees may select from among hypothetical investment alternatives for such deferred amounts
in accordance with procedures established by the Committee.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30pt"></TD><TD STYLE="width: 0.25in">12.</TD><TD>OTHER EQUITY-BASED AWARDS. The Board shall have the right to issue other Grants based upon the Common Stock having such terms and
conditions as the Board may determine, including, without limitation, the grant of Shares based upon certain conditions, and the grant
of securities convertible into Common Stock.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 7.1pt">13.</TD><TD>PERFORMANCE-BASED GRANTS. The provisions of this Section&nbsp;13 shall apply to any Grants designated as &ldquo;Performance-Based
Grants&rdquo; by the Committee. The grant, exercise and/or settlement of a Performance-Based Grant shall be based upon the achievement
of performance goals as described in this Section&nbsp;13.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Performance
Goals. The performance goals (&ldquo;Performance Goals&rdquo;) for Performance-Based Grants shall be established by the Committee and
shall consist of one or more business criteria and a targeted level or levels of performance with respect to each such criteria, as specified
by the Committee. The Committee may determine that Performance-Based Grants shall be granted, exercised, and/or settled upon achievement
of any one Performance Goal or that two or more Performance Goals must be achieved as a condition to grant, exercise and/or settlement
of such Performance-Based Grants. In establishing the Performance Goals, the Committee may use the performance criteria set forth in <U>Exhibit&nbsp;A</U>
hereto, which is hereby incorporated herein by reference as though set forth in full, or such other criteria as determined by the Committee.
To the extent applicable and unless the Committee determines otherwise, the determination of the achievement of Performance Goals shall
be based on the relevant financial measure, computed in accordance with U.S. generally accepted accounting principles (&ldquo;GAAP&rdquo;),
and in a manner consistent with the methods used by the Company in the preparation of its periodic reports to stockholders.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Committee
Determinations; Settlement of Performance-Based Grants. The Committee shall determine the extent to which Performance Goals are achieved,
and determine the amount, if any, payable pursuant to each Performance-Based Grant. The Committee, in its sole discretion, may make adjustments
to the Performance Goals applicable to Performance-Based Grants, the amounts payable in respect of the applicable Performance Goals, and
performance results (including adjustments of performance results to take into account transactions or other events occurring during the
applicable performance period or changes in accounting principles or applicable law), to the extent consistent with the terms of the applicable
Grant. The Committee shall determine the circumstances in which Performance-Based Grants shall be paid or forfeited in the event of termination
of employment by the Grantee prior to the end of a performance period or settlement of Performance-Based Grants.</FONT></P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 14. TERM OF PLAN. Grants may be granted pursuant to the Plan until the tenth anniversary of the 2023 Amendment Effective Date.</P>



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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 15. RECAPITALIZATION AND CHANGES OF CONTROL.</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to any required action by stockholders if (i)&nbsp;the Company shall at any time be involved in a merger, consolidation, dissolution,
liquidation, reorganization, exchange of shares, sale of all or substantially all of the assets or stock of the Company or a transaction
similar thereto, (ii)&nbsp;any stock dividend, stock split, reverse stock split, stock combination, reclassification, recapitalization,
or other similar change in the capital structure of the Company, spin-off, or any distribution to holders of Common Stock other than cash
dividends, shall occur or (iii)&nbsp;any other event shall occur which in the judgment of the Committee necessitates action by way of
adjusting the terms of the outstanding Grants, then:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 0.25in">(1)</TD><TD><FONT STYLE="font-size: 10pt">the maximum aggregate number and kind of Shares available for issuance under the Plan, the maximum number
and kind of Shares which shall be made subject to Options or any other types of Grants under the Plan, the maximum number and kind of
Shares with respect to which a Grantee may receive Grants in any year as set forth in Section&nbsp;6(b), the number and kind of Shares
covered by outstanding Grants, and the number and kind of Shares to be issued or issuable under the Plan shall be appropriately adjusted
by the Committee in its discretion; provided that, unless the Committee determines otherwise, any fractional Shares resulting from such
adjustment shall be eliminated.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 0.25in">(2)</TD><TD><FONT STYLE="font-size: 10pt">the Committee shall take any such action as it determines in its discretion shall be necessary to maintain
each Grantee&rsquo;s rights hereunder (including under the applicable Agreements) so that they are, in their respective Grants, substantially
proportionate to the rights existing in such Grants, prior to such event, including, without limitation, adjustments in (A)&nbsp;the Exercise
Price, Purchase Price and Phantom Share Value, and (B)&nbsp;Performance Goals. In the discretion of the Committee, the foregoing clause
(B)&nbsp;may also be applied in the case of any event relating to a Subsidiary if the event would have been covered under this Section&nbsp;15(a)&nbsp;had
the event related to the Company.</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Any
Shares or other securities distributed to a Grantee with respect to Restricted Stock or otherwise issued in substitution of Restricted
Stock pursuant to this Section&nbsp;15 shall be subject to the restrictions and requirements imposed by Section&nbsp;9, including depositing
the certificates therefor, if any, with the Company together with a stock power and bearing a legend as provided in Section&nbsp;9(c)(i).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">If
the Company shall be consolidated or merged with another corporation or other entity, each Grantee who has received Restricted Stock that
is then subject to restrictions imposed by Section&nbsp;9(d)&nbsp;may be required to deposit with the successor corporation the certificates,
if any, for the stock or securities or the other property that the Grantee is entitled to receive by reason of ownership of Restricted
Stock in a manner consistent with Section&nbsp;9(c)(ii), and such stock, securities or other property shall become subject to the restrictions
and requirements imposed by Section&nbsp;9(d), and the certificates therefor or other evidence thereof shall bear a legend similar in
form and substance to the legend set forth in Section&nbsp;9(c)(i).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">d.&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
judgment of the Committee with respect to any matter referred to in this Section&nbsp;15 shall be conclusive and binding upon each Grantee
without the need for any amendment to the Plan.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">e.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Subject
to any required action by stockholders, if the Company is the surviving corporation in any merger or consolidation, the rights under any
outstanding Grant shall pertain and apply to the securities to which a holder of the number of Shares subject to the Grant would have
been entitled.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">f.&#8239;&#8239;<FONT STYLE="font-size: 10pt">To
the extent that the foregoing adjustments relate to securities of the Company, such adjustments shall be made by the Committee, whose
determination shall be conclusive and binding on all persons.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">g.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Except
as expressly provided in this Section&nbsp;15, a Grantee shall have no rights by reason of subdivision or consolidation of shares of stock
of any class, the payment of any stock dividend or any other increase or decrease in the number of shares of stock of any class or by
reason of any dissolution, liquidation, merger or consolidation or spin-off of assets or stock of another corporation, and any issuance
by the Company of shares of stock of any class, or securities convertible into shares of stock of any class, shall not affect, and no
adjustment by reason thereof shall be made with respect to, the number of Shares subject to a Grant or the Exercise Price of Shares subject
to an Option or Stock Appreciation Right.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">h.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Grants
made pursuant to the Plan shall not affect in any way the right or power of the Company to make adjustments, reclassifications, reorganizations
or changes of its capital or business structure, to merge or consolidate or to dissolve, liquidate, sell or transfer all or any part of
its business assets.</FONT></P>

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

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

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> i. &#8239;<FONT STYLE="font-size: 10pt">Upon the occurrence of a Change of Control:</FONT></P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">If the Company is not the surviving corporation (or survives only as a subsidiary of another corporation),
unless the Committee determines otherwise, all outstanding Grants that are not exercised or paid at the time of the Change of Control
shall be assumed by, or replaced with Grants that have comparable terms by, the surviving corporation (or a parent of the surviving corporation).
After a Change of Control, references to the &ldquo;Company&rdquo; as they relate to employment matters shall include the successor employer.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">Unless the Agreement or a written employment agreement between the Grantee and the Company or a Subsidiary
provides otherwise, if a Grantee&rsquo;s employment or service is terminated by the Company without Cause upon or within 12 months following
the Change of Control, the Grantee&rsquo;s outstanding Grants shall become fully vested as of the date of such termination; provided that
if the vesting of any such Grants is based, in whole or in part, on performance, the applicable Agreement shall specify how the portion
of the Grant that becomes vested pursuant to this Section&nbsp;15(i)&nbsp;shall be calculated.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">If and to the extent that outstanding Grants are not assumed by, or replaced with Grants that have comparable
terms by, the surviving corporation (or a parent or subsidiary of the surviving corporation), the Committee may take any of the following
actions with respect to any or all outstanding Grants, without the consent of any Grantee: (1)&nbsp;the Committee may determine that outstanding
Options and Stock Appreciation Rights shall automatically accelerate and become fully exercisable and the restrictions and conditions
on outstanding Restricted Stock, Phantom Shares, DERs, dividends and other grants under Section&nbsp;12 shall immediately lapse; (2)&nbsp;the
Committee may determine that Grantees shall receive a payment in settlement of outstanding Phantom Shares, DERs, dividends, and other
Grants under Section&nbsp;12 in such amount and form as may be determined by the Committee; (3)&nbsp;the Committee may require that Grantees
surrender their outstanding Options and Stock Appreciation Rights in exchange for a payment by the Company, in cash, Common Stock or common
stock of the surviving corporation (or a parent of the surviving corporation) as determined by the Committee, in an amount equal to the
amount, if any, by which the then Fair Market Value of the shares of Common Stock subject to the Grantee&rsquo;s unexercised Options and
Stock Appreciation Rights exceeds the applicable Exercise Price, and (4)&nbsp;after giving Grantees an opportunity to exercise all of
their outstanding Options and Stock Appreciation Rights, the Committee may terminate any or all unexercised Options and Stock Appreciation
Rights at such time as the Committee deems appropriate. Such surrender, termination or payment shall take place as of the date of the
Change of Control or such other date as the Committee may specify. Without limiting the foregoing, if the per share Fair Market Value
of the Common Stock does not exceed the applicable Exercise Price, the Company shall not be required to make any payment to the Grantee
upon surrender of the Option or Stock Appreciation Right.</FONT></TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">j.</TD><TD><FONT STYLE="font-size: 10pt">&ldquo;Change of Control&rdquo; shall mean the occurrence of any one of the following events:</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">any &ldquo;person,&rdquo; as such term is used in Sections 13(d)&nbsp;and 14(d)&nbsp;of the Exchange
Act (other than the Company, any of its affiliates or any trustee, fiduciary or other person or entity holding securities under any employee
benefit plan or trust of the Company or any of its affiliates and, with respect to any particular Eligible Employee, other than such Eligible
Employee) together with all &ldquo;affiliates&rdquo; and &ldquo;associates&rdquo; (as such terms are defined in Rule&nbsp;12b-2 under
the Exchange Act) of such person, shall become the &ldquo;beneficial owner&rdquo; (as such term is defined in Rule&nbsp;13d-3 under the
Exchange Act), directly or indirectly, of securities of the Company representing 30% or more of either (A)&nbsp;the combined voting power
of the Company&rsquo;s then outstanding securities having the right to vote in an election of the Board (&ldquo;voting securities&rdquo;)
or (B)&nbsp;the then outstanding Shares (in either such case other than as a result of an acquisition of securities directly from the
Company); or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">persons who, as of the 2023 Amendment Effective Date, constitute the Board (the &ldquo;Incumbent Directors&rdquo;)
cease for any reason, including, without limitation, as a result of a tender offer, proxy contest, merger or similar transaction, to constitute
at least a majority of the Board, provided that any person becoming a member of the Board subsequent to the 2023 Amendment Effective Date
whose election or nomination for election was approved and/or ratified by a vote of at least a majority of the Incumbent Directors shall,
for purposes of the Plan, be considered an Incumbent Director; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">the consummation of (A)&nbsp;any consolidation or merger of the Company or any Subsidiary where the
stockholders of the Company, immediately prior to the consolidation or merger, would not, immediately after the consolidation or merger,
beneficially own (as such term is defined in Rule&nbsp;13d-3 under the Exchange Act), directly or indirectly, shares representing in the
aggregate 50% or more of the voting securities of the corporation issuing cash or securities in the consolidation or merger (or of its
ultimate parent corporation, if any), (B)&nbsp;any sale, lease, exchange or other transfer (in one transaction or a series of transactions
contemplated or arranged by any party as a single plan) of all or substantially all of the assets of the Company or (C)&nbsp;any plan
for the liquidation or dissolution of the Company.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">Notwithstanding the foregoing,
a &ldquo;Change of Control&rdquo; shall not be deemed to have occurred for purposes of the foregoing clause (i)&nbsp;solely as the result
of an acquisition of securities by the Company which, by reducing the number of Shares or other voting securities outstanding, increases
(x)&nbsp;the proportionate number of Shares beneficially owned by any person to 30% or more of the Shares then outstanding or (y)&nbsp;the
proportionate voting power represented by the voting securities beneficially owned by any person to 30% or more of the combined voting
power of all then outstanding voting securities; provided, however, that, if any person referred to in clause (x)&nbsp;or (y)&nbsp;of
this sentence shall thereafter become the beneficial owner of any additional Shares or other voting securities (other than pursuant to
a stock split, stock dividend, or similar transaction), then a &ldquo;Change of Control&rdquo; shall be deemed to have occurred for purposes
of this subsection (j).</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">16.</TD><TD>SECURITIES LAW REQUIREMENTS.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">a.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Legality
of Issuance. The issuance of any Shares pursuant to Grants under the Plan and the issuance of any Grant shall be contingent upon the following:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">the obligation of the Company to sell or issue Shares with respect to Grants issued under the Plan shall
be subject to all applicable laws, rules&nbsp;and regulations, including all applicable federal and state securities laws, and the obtaining
of all such approvals by governmental agencies as may be deemed necessary or appropriate by the Committee;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">the Committee may make such changes to the Plan as may be necessary or appropriate to comply with the
rules&nbsp;and regulations of any government authority or to obtain tax benefits applicable to Grants; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">each Grant under the Plan (or issuance of Shares in respect thereof), is subject to the requirement
that, if at any time the Committee determines, in its discretion, that the listing, registration or qualification of Shares issuable pursuant
to the Plan is required by any securities exchange or under any state or federal law, or the consent or approval of any governmental regulatory
body is necessary or desirable as a condition of, or in connection with, the Grants or issuance of Shares, no payment or Grant shall be
made, or Shares issued, in whole or in part, unless listing, registration, qualification, consent or approval has been effected or obtained
free of any conditions in a manner acceptable to the Committee.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">b.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Restrictions
on Transfer. The certificates, if any, for Shares issued hereunder may include any legend which the Committee deems appropriate to reflect
any restrictions on transfer hereunder or under the Agreement, or as the Committee may otherwise deem appropriate. Regardless of whether
the offering and sale of Shares under the Plan has been registered under the Act or has been registered or qualified under the securities
laws of any state, the Company may impose restrictions on the sale, pledge or other transfer of such Shares (including the placement of
appropriate legends on stock certificates) if, in the judgment of the Company and its counsel, such restrictions are necessary or desirable
in order to achieve compliance with the provisions of the Act, the securities laws of any state or any other law. In the event that the
sale of Shares under the Plan is not registered under the Act but an exemption is available which requires an investment representation
or other representation, each Grantee shall be required to represent that such Shares are being acquired for investment, and not with
a view to the sale or distribution thereof, and to make such other representations as are deemed necessary or appropriate by the Company
and its counsel. Any determination by the Company and its counsel in connection with any of the matters set forth in this Section&nbsp;16
shall be conclusive and binding on all persons. Without limiting the generality of Section&nbsp;9, stock certificates representing Shares
acquired under the Plan pursuant to an unregistered transaction shall bear a restrictive legend, substantially in the following form,
and such other restrictive legends as are required or deemed advisable under the provisions of any applicable law:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; color: #231F20">&ldquo;THE SALE OF THE SECURITIES REPRESENTED
HEREBY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE &ldquo;ACT&rdquo;). ANY TRANSFER OF SUCH SECURITIES WILL BE INVALID
UNLESS A REGISTRATION STATEMENT UNDER THE ACT IS IN EFFECT AS TO SUCH TRANSFER OR IN THE OPINION OF COUNSEL FOR THE ISSUER SUCH REGISTRATION
IS UNNECESSARY IN ORDER FOR SUCH TRANSFER TO COMPLY WITH THE ACT.&rdquo;</P>

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">c.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Registration
or Qualification of Securities. The Company may, but shall not be obligated to, register or qualify the issuance of Grants and/or the
sale of Shares under the Act or any other applicable law. The Company shall not be obligated to take any affirmative action in order to
cause the issuance of Grants or the sale of Shares under the Plan to comply with any law.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">d.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Exchange
of Certificates. If, in the opinion of the Company and its counsel, any legend placed on a stock certificate representing Shares sold
under the Plan is no longer required, the holder of such certificate shall (to the extent that the Company continues to issue certificated
shares) be entitled to exchange such certificate for a certificate representing the same number of Shares but lacking such legend.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">e.&#8239;&#8239;<FONT STYLE="font-size: 10pt">Certain
Loans. Notwithstanding any other provision of the Plan, the Company shall not be required to take or permit any action under the Plan
or any Agreement which, in the good-faith determination of the Company, would result in a material risk of a violation by the Company
of Section&nbsp;13(k)&nbsp;of the Exchange Act.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">17.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">AMENDMENT
OF THE PLAN. The Board may from time to time suspend or discontinue the Plan or revise or amend it in any respect whatsoever, except that
no amendment may materially impair the rights or obligations of a Grantee with respect to Grants previously made unless such amendment
is in connection with compliance with applicable laws or the Grantee consents to such amendment. Notwithstanding the foregoing, the Board
may not make any amendment in the Plan that would, if such amendment were not approved by the holders of the Common Stock, cause the Plan
to fail to comply with any requirement of applicable law or regulation, or of any applicable exchange or similar rule, unless and until
the approval of the holders of such Common Stock is obtained. The Board may also amend any Grant at any time, provided that no such amendment
shall materially impair any rights or obligations of a Grantee, unless the Grantee consents to such amendment or such amendment is required
to comply with applicable law.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">18.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">NO
REPRICING. Except in connection with a corporate transaction involving the Company (including, without limitation, any stock dividend,
distribution (whether in the form of cash, Common Stock, other securities or property), stock split, extraordinary cash dividend, recapitalization,
change of control, reorganization, merger, consolidation, split-up, spin-off, combination, repurchase or exchange of Common Shares or
other securities, or similar transactions), the Company may not, without obtaining stockholder approval, (a)&nbsp;amend the terms of outstanding
Options or Stock Appreciation Rights to reduce the Exercise Price of such outstanding Options or Stock Appreciation Rights, (b)&nbsp;cancel
outstanding Options or Stock Appreciation Rights in exchange for Options or Stock Appreciation Rights with an Exercise Price that is less
than the Exercise Price of the original Options or Stock Appreciation Rights or (c)&nbsp;cancel outstanding Options or Stock Appreciation
Rights with an Exercise Price above the current stock price in exchange for cash or other securities.</FONT></P>

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

<P STYLE="text-indent: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 19. TRANSFER OF GRANTS. Grants are not transferable by a Grantee except to the Successors of the Grantee in the event of the Grantee&rsquo;s death (to the extent any such Grant, by its terms, survives the Grantee&rsquo;s death), and, if exercisable, shall be exercisable during the lifetime of a Grantee only by such Grantee or his or her guardian or legal representative. Notwithstanding the foregoing, if and only to the extent permitted by the Committee, Grants may be transferred during the lifetime of a Grantee to one or more of the following transferees (each transferee a &ldquo;Permitted Assignee&rdquo;) on such terms as then may be permitted by the Committee: (a)&nbsp;the Grantee&rsquo;s spouse, children or grandchildren (including any adopted and step children or grandchildren), parents, grandparents or siblings, (b)&nbsp;to a trust for the benefit of one or more of the Grantee or the persons referred to in clause (a), (c)&nbsp;to a partnership, limited liability company or corporation in which the Grantee or the persons referred to in clause (a)&nbsp;are the only partners, members or stockholders, or (d)&nbsp;for charitable donations to a charitable organization; provided that, such Permitted Assignee shall be bound by and subject to all the terms and conditions of the Plan and the Award and shall execute an agreement satisfactory to the Company evidencing such obligations; provided further that, that any such transfer shall not be permitted unless it (i)&nbsp;does not result in accelerated taxation, (ii)&nbsp;does not cause any Option intended to be an Incentive Stock Option to fail to be described in Section&nbsp;422(b)&nbsp;of the Code, and (iii)&nbsp;complies with applicable law, including securities law.</P>



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

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

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

<P STYLE="text-indent: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 20. APPLICATION OF FUNDS. The proceeds received by the Company from the sale of Common Stock pursuant to the exercise of an Option, the sale of Restricted Stock or in connection with other Grants under the Plan will be used for general corporate purposes.</P>



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

<P STYLE="text-indent: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 21. TAX WITHHOLDING. Each Grantee shall, no later than the date as of which the value of any Grant first becomes includable in the gross income of the Grantee for federal income tax purposes, pay to the Company, or make arrangements satisfactory to the Company regarding payment of any federal, state or local taxes of any kind that are required by law to be withheld with respect to such income. The Committee may determine that the Company&rsquo;s tax withholding obligation with respect to Grants paid in shares of Common Stock shall be satisfied by having shares of Common Stock withheld at the time such Grants become taxable. In addition, the Committee, in its discretion, may allow a Grantee to elect to have the Grantee&rsquo;s tax withholding obligation satisfied, in whole or in part, by (a)&nbsp;authorizing the Company to withhold Shares, (b)&nbsp;transferring to the Company Shares owned by the Grantee, or (c)&nbsp;in the case of a Grantee who is an Employee of the Company at the time such withholding is effected, by withholding from the Grantee&rsquo;s cash compensation. Notwithstanding anything contained in the Plan to the contrary, the Grantee&rsquo;s satisfaction of any tax-withholding requirements imposed by the Committee shall be a condition precedent to the Company&rsquo;s obligation as may otherwise be provided hereunder to provide Shares to the Grantee, and the failure of the Grantee to satisfy such requirements with respect to a Grant shall cause such Grant to be forfeited.</P>



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

<P STYLE="text-indent: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 22. NOTICES. All notices under the Plan shall be in writing, and if to the Company, shall be delivered to the Board or mailed to its principal office, addressed to the attention of the Board; and if to the Grantee, shall be delivered personally or mailed to the Grantee at the address appearing in the records of the Participating Company. Such addresses may be changed at any time by written notice to the other party given in accordance with this Section&nbsp;22.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.25in; color: #231F20; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-indent: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">23. <FONT STYLE="font-size: 10pt">RIGHTS TO EMPLOYMENT OR OTHER SERVICE. Nothing in the Plan or in any Grant issued pursuant to the Plan shall confer on any individual any right to continue in the employ or other service of the Participating Company (if applicable) or interfere in any way with the right of the Participating Company to terminate the individual&rsquo;s employment or other service at any time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.25in; color: #231F20; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">24. <FONT STYLE="font-size: 10pt">NO ASSIGNMENT. A Grantee&rsquo;s rights with respect to any Grant shall not be subject in any manner to anticipation, alienation, sale, transfer, assignment, pledge, encumbrance, attachment, garnishment, levy, execution, or other legal or equitable process, either voluntary or involuntary; and any attempt to anticipate, alienate, sell, transfer, assign, pledge, encumber, attach or garnish, or levy or execute on any right to payments or other benefits payable hereunder, shall be void.</FONT></P>



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

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

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 25. CLAIMS PROCEDURES.</P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(i)</TD><TD><FONT STYLE="font-size: 10pt">The Grantee or authorized representative, may file a claim for payments with respect to Grants under
the Plan by written communication to the Committee or its designee. A claim is not considered filed until such communication is actually
received. Within 90 days (or, if special circumstances require an extension of time for processing, 180 days, in which case notice of
such special circumstances should be provided within the initial 90-day period) after the filing of the claim, the Committee will either:</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(1)</TD><TD><FONT STYLE="font-size: 10pt">approve the claim and take appropriate steps for satisfaction of the claim; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35pt"></TD><TD STYLE="width: 0.25in">(2)</TD><TD><FONT STYLE="font-size: 10pt">if the claim is wholly or partially denied, advise the claimant of such denial by furnishing to him
or her a written notice of such denial setting forth (A)&nbsp;the specific reason or reasons for the denial; (B)&nbsp;specific reference
to pertinent provisions of the Plan on which the denial is based and, if the denial is based in whole or in part on any rule&nbsp;of construction
or interpretation adopted by the Committee, a reference to such rule, a copy of which shall be provided to the claimant; (C)&nbsp;a description
of any additional material or information necessary for the claimant to perfect the claim and an explanation of the reasons why such material
or information is necessary; and (D)&nbsp;a reference to this Section&nbsp;25 as the provision setting forth the claims procedure under
the Plan.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">The claimant may request a review of any denial of his or her claim by written application to the Committee
within 60 days after receipt of the notice of denial of such claim. Within 60 days (or, if special circumstances require an extension
of time for processing, 120 days, in which case notice of such special circumstances should be provided within the initial 60-day period)
after receipt of written application for review, the Committee will provide the claimant with its decision in writing, including, if the
claimant&rsquo;s claim is not approved, specific reasons for the decision and specific references to the Plan provisions on which the
decision is based.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">26.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">EXCULPATION
AND INDEMNIFICATION. To the maximum extent permitted by law, the Company shall indemnify and hold harmless the members of the Board and
the members of the Committee from and against any and all liabilities, costs and expenses incurred by such persons as a result of any
act or omission to act in connection with the performance of such person&rsquo;s duties, responsibilities and obligations under the Plan,
other than such liabilities, costs and expenses as may result from the gross negligence, bad faith, willful misconduct or criminal acts
of such persons.</FONT></P>

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

<P STYLE="margin-left: 0.25in; color: #231F20; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> 27. COMPLIANCE WITH SECTION&nbsp;409A OF THE CODE.</P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 11.8pt">(i)</TD><TD><FONT STYLE="font-size: 10pt">Any Agreement issued under the Plan that is subject to Section&nbsp;409A of the Code shall include such
additional terms and conditions as may be required to satisfy the requirements of Section&nbsp;409A of the Code.</FONT></TD></TR></TABLE>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD><FONT STYLE="font-size: 10pt">With respect to any Grant issued under the Plan that is subject to Section&nbsp;409A of the Code, and
with respect to which a payment or distribution is to be made upon a Termination of Service, if the Grantee is determined by the Company
to be a &ldquo;specified employee&rdquo; within the meaning of Section&nbsp;409A(a)(2)(B)(i)&nbsp;of the Code and any of the Company&rsquo;s
stock is publicly traded on an established securities market or otherwise, such payment or distribution may not be made before the date
which is six months after the date of Termination of Service (to the extent required under Section&nbsp;409A of the Code). Any payments
or distributions delayed in accordance with the prior sentence shall be paid to the Grantee on the first day of the seventh month following
the Grantee&rsquo;s Termination of Service, or if earlier, within 30 days following the Grantee&rsquo;s death which occurs during such
six-month period.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD><FONT STYLE="font-size: 10pt">Notwithstanding any other provision of the Plan, the Plan and the Grants are intended to comply with
the requirements of Section&nbsp;409A of the Code. Accordingly, all provisions herein and with respect to any Grants shall be construed
and interpreted to be consistent with the requirements of Section&nbsp;409A of the Code to the maximum extent possible, and any payments
constituting nonqualified deferred compensation subject to Section&nbsp;409A of the Code shall only be made in a manner and upon an event
permitted by Section&nbsp;409A of the Code; provided, however, that in no event shall the Company be obligated to reimburse a Grantee
for any additional tax (or related penalties and interest) incurred by reason of application of Section&nbsp;409A of the Code. The Company
makes no representations that Grants are exempt from or comply with Section&nbsp;409A of the Code and makes no undertakings to ensure
or preclude that Section&nbsp;409A of the Code will apply to any Grants.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD><FONT STYLE="font-size: 10pt">Notwithstanding any other provision of the Plan or an Agreement, in the event that any Grant that constitutes
nonqualified deferred compensation subject to Section&nbsp;409A of the Code is to be paid or otherwise settled upon a Change of Control,
such Grant shall not be paid or settled upon the Change of Control unless the applicable Change of Control constitutes a &ldquo;change
in control event&rdquo; for purposes of Section&nbsp;409A of the Code.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">28.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">NO
FUND CREATED. Any and all payments hereunder to any Grantee under the Plan shall be made from the general funds of the Company (or, if
applicable, a Participating Company), no special or separate fund shall be established or other segregation of assets made to assure such
payments, and the Phantom Shares (including for purposes of this Section&nbsp;28 any accounts established to facilitate the implementation
of Section&nbsp;10(d)(iii)) and any other similar devices issued hereunder to account for Plan obligations do not constitute Common Stock
and shall not be treated as (or as giving rise to) property or as a trust fund of any kind; provided, however, that the Company (or a
Participating Company) may establish a mere bookkeeping reserve to meet its obligations hereunder or a trust or other funding vehicle
that would not cause the Plan to be deemed to be funded for tax purposes or for purposes of Title I of the Employee Retirement Income
Security Act of 1974, as amended. The obligations of the Company (or, if applicable, a Participating Company) under the Plan are unsecured
and constitute a mere promise by the Company (or, if applicable, a Participating Company) to make payments in the future and, to the extent
that any person acquires a right to receive payments under the Plan from the Company (or, if applicable, a Participating Company), such
right shall be no greater than the right of a general unsecured creditor of the Company (or, if applicable, a Participating Company).
Without limiting the foregoing, Phantom Shares and any other similar devices issued hereunder to account for Plan obligations are solely
a device for the measurement and determination of the amounts to be paid to a Grantee under the Plan, and each Grantee&rsquo;s right in
the Phantom Shares and any such other devices is limited to the right to receive payment, if any, as may herein be provided.</FONT></P>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">29.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">NO
FIDUCIARY RELATIONSHIP. Nothing contained in the Plan (including without limitation Section&nbsp;10(e)(ii)), and no action taken pursuant
to the provisions of the Plan, shall create or shall be construed to create a trust of any kind, or a fiduciary relationship between the
Company, the Participating Companies, or their directors or officers or the Committee, on the one hand, and the Grantee, the Company,
the Participating Companies or any other person or entity, on the other.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">30.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">CAPTIONS.
The use of captions in the Plan is for convenience. The captions are not intended to provide substantive rights.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">31.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">GOVERNING
LAW. The Plan shall be governed by the laws of Maryland, without reference to principles of conflict of laws.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-indent: 0.25in; color: #231F20"><FONT STYLE="font-size: 10pt">32.</FONT>&#8239;&#8239;<FONT STYLE="font-size: 10pt">EXECUTION.
The Company has caused this amended and restated Plan to be executed in the name and on behalf of the Company by an officer of the Company
thereunto duly authorized as of this 6th day of June, 2023.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20"><FONT STYLE="font-size: 10pt">MFA FINANCIAL,&nbsp;INC.,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20"><FONT STYLE="font-size: 10pt">a Maryland corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; width: 3%"><FONT STYLE="font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; color: #231F20; width: 47%"><FONT STYLE="font-size: 10pt">/s/ Harold E. Schwartz</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20"><FONT STYLE="font-size: 10pt">Name: Harold E. Schwartz</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: Secretary</FONT></TD></TR>
  </TABLE>


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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: #231F20"><B>EXHIBIT&nbsp;A</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: #231F20"><B>PERFORMANCE CRITERIA</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">Performance-Based Grants may be
granted, exercised and/or settled based upon the attainment of objective Performance Goals that are established by the Committee and relate
to one or more Performance Criteria, in each case on a specified date or over any period, up to 10 years, as determined by the Committee.
Performance Criteria may be based on the achievement of specified levels of performance or achievement relative to the performance of
one or more other corporations or indices.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in; color: #231F20">&ldquo;Performance Criteria&rdquo;
means the following business criteria (or any combination thereof) or any other criteria determined by the Committee with respect to one
or more of the Company, any Participating Company or any division or operating unit thereof:</P>

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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">i.)</FONT> &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">pre-tax income,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">ii.)
</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">after-tax income,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">iii.)
</FONT>&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">net income (meaning net income as reflected in the Company&rsquo;s financial reports
for the applicable period, on an aggregate, diluted and/or per share basis),</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">iv.)
</FONT>&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">operating income,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">v.)
</FONT>&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">cash flow,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">vi.)
</FONT>&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">earnings per share,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">vii.)</FONT> <FONT STYLE="font-size: 10pt">&#8239;&#8239;return on equity or return on average equity,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">viii.)</FONT> <FONT STYLE="font-size: 10pt">&#8239;&#8239;return on invested capital or assets,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">ix.)</FONT> &#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">cash and/or funds available for distribution,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">x.)</FONT> &#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">appreciation in the fair market value of the Common Stock,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">xi.)&#8239;&#8239;</FONT> &#8239;&#8239;<FONT STYLE="font-size: 10pt">return on investment,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">xii.)&#8239;&#8239;
</FONT>&#8239;<FONT STYLE="font-size: 10pt">total stockholder return,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">xiii.)&#8239;&#8239;
</FONT><FONT STYLE="font-size: 10pt">net earnings growth,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">xiv.)
 &#8239;&#8239;</FONT><FONT STYLE="font-size: 10pt">stock appreciation (meaning an increase in the price or value of the Common Stock after the
date of grant of an award and during the applicable period),</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">xv.)
 &#8239;&#8239;</FONT>&#8239;<FONT STYLE="font-size: 10pt">related return ratios,</FONT></P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt">xvi.)&#8239;&#8239;
</FONT><FONT STYLE="font-size: 10pt">increase in revenues,</FONT></P>



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

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

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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">xvii.) &#8239;the Company&rsquo;s published ranking against its peer group of real estate investment trusts based on total stockholder return,</P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">xviii.)&#8239;net earnings,</P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">xix.)&#8239;&#8239; changes (or the absence of changes) in the per share or aggregate market price of the Company&rsquo;s Common Stock,</P>



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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">xx.)&#8239;&#8239;&#8239; number of securities sold,</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">xxi.)&#8239;&#8239; earnings before any one or more of the following items: interest,
taxes, depreciation or amortization for the applicable period, as reflected in the Company&rsquo;s financial reports for the applicable
period, and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">xxii.) &#8239;total revenue growth (meaning the increase in total revenues
after the date of grant of an award and during the applicable period, as reflected in the Company&rsquo;s financial reports for the applicable
period).</P>

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

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

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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>mfa-20230606_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentInformationLineItems_lbl" xml:lang="en-US">Document Information [Line Items]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>mfa-20230606_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm140339785469984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jun. 06, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun.  06,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-13991<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">MFA
FINANCIAL, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001055160<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">13-3974868<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">MD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Vanderbilt Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">48th&#160;Floor<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">New York<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">10017<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">212<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">207-6400<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common
    Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">7.50%
        Series B Cumulative Redeemable Preferred Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFA/PB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesCPreferredStockMember', window );">Series C Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">6.50% Series C&#160;Fixed-to-Floating&#160;Rate
Cumulative Redeemable Preferred Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFA/PC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesCPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
