<SEC-DOCUMENT>0001144204-18-027640.txt : 20180511
<SEC-HEADER>0001144204-18-027640.hdr.sgml : 20180511
<ACCEPTANCE-DATETIME>20180511161221
ACCESSION NUMBER:		0001144204-18-027640
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20180511
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180511
DATE AS OF CHANGE:		20180511

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BCB BANCORP INC
		CENTRAL INDEX KEY:			0001228454
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				260065262
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-50275
		FILM NUMBER:		18827003

	BUSINESS ADDRESS:	
		STREET 1:		104-110 AVENUE C
		CITY:			BAYONNE
		STATE:			NJ
		ZIP:			07002
		BUSINESS PHONE:		(201) 823-0700

	MAIL ADDRESS:	
		STREET 1:		104-110 AVENUE C
		CITY:			BAYONNE
		STATE:			NJ
		ZIP:			07002
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>tv493889_8k.htm
<DESCRIPTION>FORM 8-K
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<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, DC 20549</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Date of Report
(Date of earliest event reported): <B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></FONT><B><U>May
11, 2018<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></U></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><B>BCB Bancorp, Inc.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Exact name of registrant as specified in its charter)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>New Jersey</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>0-50275</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>26-0065262</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(State or other jurisdiction</FONT><BR>
<FONT STYLE="font-size: 10pt">of incorporation)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Commission</FONT><BR>
<FONT STYLE="font-size: 10pt">File Number)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(IRS Employer</FONT><BR>
<FONT STYLE="font-size: 10pt">Identification No.)</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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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 66%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>104-110 Avenue C, Bayonne, NJ</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>07002</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Address of principal executive offices)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">Registrant's telephone number, including area code</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>(201) 823-0700</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Not Applicable</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Former name or former address, if changed since last report.)</FONT></TD></TR>
</TABLE>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; text-align: center; padding-bottom: 6pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&uml;</FONT></TD>
    <TD STYLE="width: 95%; padding-bottom: 6pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Written communications pursuant to Rule 425 under the
Securities Act (17 CFR 230.425)</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; padding-bottom: 6pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&uml;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Soliciting material pursuant to Rule 14a-12 under the
Exchange Act (17 CFR 240.14a-12)</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; padding-bottom: 6pt"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&uml;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17&nbsp;CFR&nbsp;240.14d-2(b))</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&uml;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17&nbsp;CFR&nbsp;240.13e-4(c))</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">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4pt 0; text-align: right; text-indent: 0.25in">Emerging growth company <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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. <FONT STYLE="font-family: Wingdings">&#168;</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>

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 80pt"><B>Item 5.03</B></TD><TD><B><U>Other Events</U></B></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: 0.5in">On May 11, 2018, BCB Bancorp, Inc. (&ldquo;BCB&rdquo;)
amended its Restated Certificate of Incorporation to revise Article V (the &ldquo;Amendment&rdquo;) to create new Series E Noncumulative
Perpetual Preferred Stock (the &ldquo;Series E Preferred Stock&rdquo;) and Series F Noncumulative Perpetual Preferred Stock (the
&ldquo;Series F Preferred Stock&rdquo;). The Amendment sets forth the number of shares to be included in each such new series,
and to fix the designation, powers, preferences, and rights of the shares of each series and any qualifications, limitations or
restrictions thereof. The Amendment to the Restated Certificate of Incorporation was approved by the Board of Directors of the
Company on June 7, 2017. The Certificate of Amendment is attached hereto as Exhibit 3.1.</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"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 81pt"><B>Item 9.01</B></TD><TD><B><U>Financial Statements and Exhibits</U></B></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>

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

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">(d)&nbsp;Exhibits</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">The following exhibits are filed herewith:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exhibit No.</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 85%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Description of Exhibit</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: left"><A HREF="tv493889_ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="tv493889_ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certificate of Amendment to the Restated Certificate of Incorporation</FONT></A></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 23.4pt 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 23.4pt 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 23.4pt 0pt 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt; text-transform: uppercase">BCB Bancorp, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: right">&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(Registrant)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: right">&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: right">&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 10pt">Date:</FONT></TD>
    <TD STYLE="width: 25%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">May 11, 2018</FONT></TD>
    <TD STYLE="width: 16%">&nbsp;</TD>
    <TD STYLE="width: 54%; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Thomas P. Keating</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&nbsp; Thomas P. Keating<BR>
        Title:&nbsp;&nbsp;&nbsp; Senior Vice President and Chief Financial Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></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">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.65pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.65pt; text-align: center">INDEX TO EXHIBITS FILED HEREWITH</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 7.65pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exhibit No.</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 83%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Description of Exhibit</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="tv493889_ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="tv493889_ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certificate of Amendment to the Restated Certificate of Incorporation</FONT></A></TD></TR>
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<DESCRIPTION>EXHIBIT 3.1
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<P STYLE="margin: 0; text-align: right"><B>Exhibit 3.1</B></P>

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">CERTIFICATE OF AMENDMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">TO THE</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">RESTATED CERTIFICATE OF INCORPORATION
OF</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</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: 0.5in">Pursuant to the provisions of Section 14A:9-2(4)
and Section 14A:9-4(3) of the New Jersey Business Corporations Act, the undersigned corporation executes this Certificate of Amendment
to the Restated Certificate of Incorporation.</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: 0.5in">The name of the corporation is BCB Bancorp,
Inc. (the &ldquo;<U>Company</U>&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; text-indent: 0.5in">The following amendment to the Restated
Certificate of Incorporation was approved by the directors of the corporation on the 7<SUP>th</SUP> day of June, 2017.</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: 0.5in">This Certificate of Amendment amends the
Restated Certificate of Incorporation of this corporation, as amended by the Certificate of Amendment dated January 18, 2017, to:
(i) include a new Article V, Part (E) with respect to the Company&rsquo;s Series E Noncumulative Perpetual Preferred Stock, which
sets forth the number of shares to be included in such new series, and to fix the designation, powers, preferences, and rights
of the shares of such new series and any qualifications, limitations or restrictions thereof, and (ii) include a new Article V,
Part (F), with respect to the Company&rsquo;s Series F Noncumulative Perpetual Preferred Stock, which sets forth the number of
shares to be included in such new series, and to fix the designation, powers, preferences, and rights of the shares of such new
series and any qualifications, limitations or restrictions thereof, such Parts (E) and (F) as follows:</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">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(E) Series E Noncumulative Perpetual Preferred
Stock</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. Designation and Amount.</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: 0.5in">The shares of such series shall be designated
as &ldquo;Series E Noncumulative Perpetual Preferred Stock,&rdquo; par value $0.01 per share (the &ldquo;<U>Series E Preferred
Stock</U>&rdquo;), and the number of shares constituting the Series E Preferred Stock shall be 438,889. The Series E Preferred
Stock shall be perpetual, with no maturity date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. Dividends and Distributions.</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: 0.5in">(a) The holders of shares of Series E Preferred
Stock shall be entitled to receive out of any funds legally available therefor noncumulative dividends at the same rate and at
the same time as any dividend declared on the Company&rsquo;s common stock, when, as and if declared by the Board of Directors;
provided that, for the purposes of this Section 2 only, the holders of the Series E Preferred Stock shall be deemed to own the
number of shares of common stock into which such shares of Series E Preferred Stock are convertible on the record date for such
dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) So long as any share of Series E Preferred
Stock remains outstanding, no dividend or distribution shall be declared or paid on any series of preferred stock or any class
of capital stock of the Company ranking, as to dividends, junior to (&ldquo;<U>Series E Junior Stock</U>&rdquo;) this Series E
Preferred Stock (other than dividends payable solely in shares of common stock) and nor shall any Series E Junior Stock be, directly
or indirectly, purchased, redeemed or otherwise acquired for consideration by the Company or any of its subsidiaries during any
Series E Dividend Period, as defined below, unless full dividends on all outstanding shares of Series E Preferred Stock for the
most recently completed Series E Dividend Period have been or are contemporaneously declared and paid (or have been declared and
a sum sufficient for the payment thereof has been set aside for the benefit of the holders of shares of Series E Preferred Stock
on the applicable record date). <U>Series E Dividend Period</U> shall mean the quarters ending March 31, June 30, September 30
and December 31. The foregoing limitation shall not apply to redemptions, purchases or other acquisitions of shares of common stock
or other Series E Junior Stock in connection with the administration of any employee benefit plan in the ordinary course of business
and consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to the foregoing, and not otherwise, such dividends
(payable in cash, securities or other property) as may be determined by the Board may be declared and paid on any securities, including
other Series E Junior Stock, from time to time out of any funds legally available for such payment, and holders of Series E Preferred
Stock shall not be entitled to participate in any such dividends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. Voting Rights.</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: 0.5in">Holders of Series E Preferred Stock shall
not have the right to receive notice of nor the right to vote at any meeting of stockholders, and shall not vote together with
the common stock; provided, that Holders of the Series E Preferred Stock shall vote as a separate class on any proposal which would
revise the terms of the Series E Preferred Stock, or any other matter specifically provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. Liquidation, Dissolution, or Winding Up.</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: 0.5in">(a) <U>Voluntary or Involuntary Liquidation</U>.
In the event of any liquidation, dissolution or winding up of the affairs of the Company, whether voluntary or involuntary, holders
of Series E Preferred Stock shall be entitled to receive for each share of Series E Preferred Stock, out of the assets of the Company
or proceeds thereof (whether capital or surplus) available for distribution to stockholders of the Company, subject to the rights
of any creditors of the Company, before any distribution of such assets or proceeds is made to or set aside for the holders of
common stock and any other Series E Junior Stock, payment in full in an amount equal to the sum of (i) the Series E Stated Value
(as hereinafter defined) and (ii) the amount of any declared and unpaid dividend on each such share (such amounts collectively,
the &ldquo;<U>Series E Liquidation Preference</U>&rdquo;). The <U>Series E Stated Value</U> of the shares shall mean $2.25 per
share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) <U>Partial Payment</U>. If in any distribution
described in Section 4(a) above the assets of the Company or proceeds thereof are not sufficient to pay in full the amounts payable
with respect to all outstanding shares of Series E Preferred Stock and the corresponding amounts payable with respect of any other
stock of the Company ranking equally with Series E Preferred Stock as to such distribution, holders of Series E Preferred Stock
and the holders of such other stock shall share ratably in any such distribution in proportion to the full respective distributions
to which they are entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) <U>Residual Distributions</U>. After
the distributions described in Section 4(a) above have been paid, the remaining assets of the Company available for distribution
to stockholders shall be distributed among the holders of Series E Preferred Stock, the common stock and any other Series E Parity
Stock, pro rata, based on the number of shares of common stock held by each (as if all such shares of Series E Preferred Stock
and other Series E Parity Stock had been converted to common stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) <U>Merger, Consolidation and Sale of
Assets Not Liquidation</U>. For purposes of this Section 4, the merger or consolidation of the Company with any other corporation
or other entity, including a merger or consolidation in which the holders of Series E Preferred Stock receive cash, securities
or other property for their shares, or the sale, lease or exchange (for cash, securities or other property) of all or substantially
all of the assets of the Company, shall not constitute a liquidation, dissolution or winding up of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. Rank. </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: 0.5in">For the purposes hereof any stock of any
series or class of the Company shall be deemed to rank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a) prior to the shares of this Series E
Preferred Stock, as to dividends or upon liquidation, if the holders of such series or class shall be entitled to the receipt of
dividends or of amounts distributable upon a Liquidation Event, as the case may be, in preference or priority to the holders of
shares of this Series E Preferred Stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) as on parity with Series E Preferred
Stock (&ldquo;<U>Series E Parity Stock</U>&rdquo;), as to dividends or upon liquidation, whether or not the dividend rates, dividend
payment dates or redemption or liquidation prices per share or sinking fund provisions, if any, be different from those of this
Series E Preferred Stock, if the holders of such stock shall be entitled to the receipt of dividends or of amounts distributable
upon a Liquidation Event, as the case may be, in proportion to their respective dividend rates or liquidation prices, without preference
or priority, one over the other, as between the holders of such stock and the holders of shares of this Series E Preferred Stock,
including, but not limited to, the Series C Preferred Stock and the Series D Preferred Stock; and;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) as Series E Junior Stock, as to dividends
or upon liquidation, if such stock shall be common stock or if the holders of shares of this Series E Preferred Stock shall be
entitled to receipt of dividends or of amounts distributable upon a Liquidation Event, as the case may be, in preference or priority
to the holders of shares of such series or class.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. Conversion.</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: 0.5in">(a) <U>Right to Convert Series E Preferred
Stock</U>. Subject to the limitation contained in Section 6(l) below, each share of Series E Preferred Stock shall be convertible,
without the payment of any additional consideration and at the option of the holder thereof, at any time, at the office of the
Company (or of any transfer agent for the Series E Preferred Stock) into shares of common stock at the Series E Conversion Rate
(as defined in Section 6(c) hereof) and adjusted on a per share basis giving effect to any adjustment required by Section 6 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) <U>Automatic Conversion</U>. Each share
of Series E Preferred Stock may, at the option of the holder thereof be converted into shares of common stock at the then effective
Series E Conversion Rate (as defined in Section 6(c) hereof) and adjusted on a per share basis giving effect to any adjustments
required by Section 6 hereof, upon 30 days&rsquo; notice at the Series E Conversion Rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) <U>Conversion Ratio</U>. Subject to
the adjustments provided in subsections (e) through (g) of this Section 6, each share of Series E Preferred Stock shall be convertible
into 0.189 share of common stock (the &ldquo;<U>Series E Conversion Rate</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) <U>Mechanics of Conversion</U>. Before
any holder of Series E Preferred Stock shall be entitled to convert the same into shares of common stock, such holder shall surrender
the certificate or certificates therefor, duly endorsed, at the office of the Company or of any transfer agent for the Series E
Preferred Stock, and shall give written notice to the Company at its principal corporate office of the election to convert the
same and shall state therein the name or names in which the certificate or certificates for shares of common stock are to be issued.
The Company shall, as soon as practicable thereafter, issue and deliver at such office to such holder of Series E Preferred Stock,
or to the nominee or nominees of such holder, a certificate or certificates for the number of shares of common stock to which such
holder shall be entitled as aforesaid. Such conversion shall be deemed to have been made immediately prior to the close of business
on the date of such surrender of the shares of Series E Preferred Stock to be converted, and the person or persons entitled to
receive the shares of common stock issuable upon such conversion shall be treated for all purposes as the record holder or holders
of such shares of common stock as of such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e) <U>Adjustments for Certain Dilutive
Issuances, Splits and Combinations</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD>In the event the Company should at any time or from time to time after the date that shares of Series E Preferred Stock are
first issued and sold by the Company (the &ldquo;<U>Series E Purchase Date</U>&rdquo;) fix a record date for the effectuation of
a split or subdivision of the outstanding shares of common stock or the determination of holders of common stock entitled to receive
a dividend or other distribution payable in additional shares of common stock or other securities or lights convertible into, or
entitling the holder thereof to receive directly or indirectly, additional shares of common stock, including additional shares
of common stock issuable upon conversion or exercise thereof (hereinafter referred to as &ldquo;<U>Common Stock Equivalents</U>&rdquo;),
then, as of such record date (or the date of such dividend distribution, split or subdivision if no record date is fixed), the
Series E Conversion Rate applicable to the Series E Preferred Stock shall be appropriately increased so that the number of shares
of common stock issuable on conversion of each share of Series E Preferred Stock shall be increased in proportion to such increase
of the aggregate of shares of common stock outstanding and those issuable with respect to such Common Stock Equivalents.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD>If the number of shares of common stock outstanding at any time after the Series E Purchase Date is decreased by a combination
of the outstanding shares of common stock, then following the record date of such combination, the Series E Conversion Rate for
the Series E Preferred Stock shall be appropriately decreased so that the number of shares of common stock issuable on conversion
of each share of such Series E Preferred Stock shall be decreased in proportion to such decrease in outstanding common stock.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f) <U>Other Distributions</U>. In the event
the Company shall declare a distribution payable in securities of other persons, evidences of indebtedness issued by the Company
or other persons, assets (excluding cash dividends) or options or rights not referred to in Section 6(e), then, in each such case
for the purpose of this Section 6(f), the holders of the Series E Preferred Stock shall be entitled to a proportionate share of
any such distribution as though they were the holders of the number of shares of common stock of the Company into which their shares
of Series E Preferred Stock are convertible as of the record date fixed for the determination of the holders of common stock of
the Company entitled to receive such distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g) <U>Recapitalizations</U>. If at any
time or from time to time there shall be a recapitalization of the common stock (other than a subdivision, combination or merger
or sale of assets transaction provided for elsewhere in this Section 6) provision shall be made so that the holders of the Series
E Preferred Stock shall thereafter be entitled to receive upon conversion of the Series E Preferred Stock the number of shares
of stock or other securities or property of the Company or otherwise, to which a holder of common stock deliverable upon conversion
would have been entitled on such recapitalization. In any such case, appropriate adjustment shall be made in the application of
the provisions of this Section 6 with respect to the rights of the holders of the Series E Preferred Stock after the recapitalization
to the end that the provisions of this Section 6 shall be applicable after that event as nearly equivalent as may be practicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h) <U>No Fractional Shares; Certificate
as to Adjustments</U>. No fractional shares shall be issued upon the conversion of any share or shares of the Series E Preferred
Stock, and the number of shares of common stock to be issued shall be rounded to the nearest whole share. Whether or not fractional
shares arc issuable upon such conversion shall be determined on the basis of the total number of shares of Series E Preferred Stock
the holder is at the time converting into common stock and the number of shares of common stock issuable upon such aggregate conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i) <U>Notices of Record Date</U>. In the
event of any taking by the Company of a record of the holders of any class of securities for the purpose of determining the holders
thereof who are entitled to receive any dividend (other than a cash dividend) or other distribution, any right to subscribe for,
purchase or otherwise acquire any shares of stock of any class or any other securities or property, or to receive any other right,
the Company shall mail to each holder of Series E Preferred Stock, at least 20 days prior to the date specified therein, a notice
specifying the date on which any such record is to be taken for the purpose of such dividend, distribution or right, and the amount
and character of such dividend, distribution or right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(j) <U>Reservation of Stock Issuable Upon
Conversion</U>. The Company shall at all times reserve and keep available out of its authorized but unissued shares of common stock,
solely for the purpose of effecting the conversion of the shares of the Series E Preferred Stock, such number of its shares of
common stock as shall from time to time be sufficient to effect the conversion of all outstanding shares of the Series E Preferred
Stock; and if at any time the number of authorized but unissued shares of common stock shall not be sufficient to effect the conversion
of all then-outstanding shares of the Series E Preferred Stock, in addition to such other remedies as shall be available to the
holder of such Series E Preferred Stock, the Company will take such corporate action as may, in the opinion of its counsel, be
necessary to increase its authorized but unissued shares of common stock to such number of shares as shall be sufficient for such
purposes, including, without limitation, engaging in best efforts to obtain the requisite stockholder approval of any necessary
amendment to these articles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(k) <U>Notices</U>. Any notice required
by the provisions of this Section 6 to be given to the holders of shares of Series E Preferred Stock shall be deemed given if deposited
in the United States mail, postage prepaid, and addressed to each holder of record at his address appearing on the books of the
Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(l) <U>Limitation</U>. Notwithstanding anything
in this Section 6 to the contrary, no shares of the Series E Preferred Stock held by a single holder, directly or indirectly (as
such terms are defined under Section 3:1-2.19(d) of the regulations of the New Jersey Department of Banking and Insurance) may
be converted into shares of the common stock if as a result of such conversion, such holder would own, directly or indirectly,
in excess of 24.9% of the outstanding common stock of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. Severability.</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: 0.5in">If any provision of this Certificate of
Amendment or any application of such provision is determined to be invalid by any federal or state court having jurisdiction, the
validity of the remaining provisions hereunder shall not be affected and other applications of such provision shall be affected
only to the extent necessary to comply with the determination of such court. To the extent the provisions of this Certificate of
Amendment may be inconsistent with any other provision of the Certificate of Incorporation, this Certificate of Amendment shall
be controlling.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(F) Series F Noncumulative Perpetual Preferred
Stock</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. Designation and Amount.</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: 0.5in">The shares of such series shall be designated
as &ldquo;Series F Noncumulative Perpetual Preferred Stock,&rdquo; par value $0.01 per share (the &ldquo;<U>Series F Preferred
Stock</U>&rdquo;), and the number of shares constituting the Series F Preferred Stock shall be 6,500. The Series F Preferred Stock
shall be perpetual, with no maturity date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. Dividends and Distributions.</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: 0.5in">(a) <U>Rate</U>. Holders of Series F Preferred
Stock shall be entitled to receive, on each share of Series F Preferred Stock if, as and when declared by the Board of Directors
or any duly authorized committee of the Board of Directors (the &ldquo;<U>Board</U>&rdquo;), but only out of assets legally available
therefor, non-cumulative cash dividends at six (6%) percent per annum (the &ldquo;Rate&rdquo;), on a stated value of $1,000 per
share (the &ldquo;<U>Series F Stated Value</U>&rdquo;), and no more, payable quarterly on January 15, April 15, July 15 and October
15 or on such other date or dates as may be determined by the Board of Directors (the &ldquo;<U>Series F Dividend Payment Date</U>&rdquo;).
In the event that any Series F Dividend Payment Date would otherwise fall on a day that is not a Business Day, as hereinafter defined,
the dividend payment due on that date will be postponed to the next day that is a Business Day and no additional dividends will
accrue as a result of that postponement. The period from and including any Series F Dividend Payment Date to, but excluding, the
next Series F Dividend Payment Date is a &ldquo;<U>Series F Dividend Period</U>&rdquo;. &ldquo;<U>Business Day</U>&rdquo; means
any day except Saturday, Sunday and any day on which banking institutions in the State of New Jersey generally are authorized or
required by law or other governmental actions to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Dividends that are declared and payable
on Series F Preferred Stock on any Series F Dividend Payment Date will be payable to holders of record of Series F Preferred Stock
as they appear on the stock register of the Company on the applicable record date, which shall be the 15th calendar day immediately
preceding such Series F Dividend Payment Date or such other record date fixed by the Board that is not more than 60 nor less than
10 days prior to such Series F Dividend Payment Date (each, a &ldquo;<U>Series F Dividend Record Date</U>&rdquo;). Any such day
that is a Series F Dividend Record Date shall be a Dividend Record Date whether or not such day is a Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of Series F Preferred Stock shall
not be entitled to any dividends, whether payable in cash, securities or other property, other than dividends (if any) declared
and payable on Series F Preferred Stock as specified in this Section 2 (subject to the other provisions of the Certificate of Amendment).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) <U>Non-Cumulative</U>. Dividends on
shares of Series F Preferred Stock shall be non-cumulative. If the Board does not declare a dividend on the Series F Preferred
Stock in respect of any Series F Dividend Period, the holders of Series F Preferred Stock shall have no right to receive any dividend
for such Series F Dividend Period, and the Company shall have no obligation to pay a dividend for such Series F Dividend Period,
whether or not dividends arc declared for any subsequent Series F Dividend Period with respect to the Series F Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) <U>Priority of Dividends</U>. So long
as any share of Series F Preferred Stock remains outstanding, no dividend or distribution shall be declared or paid on any series
of preferred stock or any class of capital stock of the Company ranking, as to dividends, on a parity with (&ldquo;<U>Series F
Parity Stock</U>&rdquo;), which shall be deemed to include&middot; the Company&rsquo;s Series C Preferred Stock, the Company&rsquo;s
Series D Preferred Stock, and the Company&rsquo;s Series E Preferred Stock or ranking junior to (&ldquo;<U>Series F Junior Stock</U>&rdquo;)
this Series F Preferred Stock (other than dividends payable solely in shares of common stock) and nor shall any Series F Junior
Stock or Series F Parity Stock be, directly or indirectly, purchased, redeemed or otherwise acquired for consideration by the Company
or any of its subsidiaries during any Series F Dividend Period unless full dividends on all outstanding shares of Series F Preferred
Stock for the most recently completed Series F Dividend Period have been or are contemporaneously declared and paid (or have been
declared and a sum sufficient for the payment thereof has been set aside for the benefit of the holders of shares of Series F Preferred
Stock on the applicable record date). The foregoing limitation shall not apply to redemptions, purchases or other acquisitions
of shares of common stock or other Series F Junior Stock in connection with the administration of any employee benefit plan in
the ordinary course of business and consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to the foregoing, and not otherwise, such dividends
(payable in cash, securities or other property) as may be determined by the Board may be declared and paid on any securities, including
common stock and other Series F Junior Stock, from time to time out of any funds legally available for such payment, and holders
of Series F Preferred Stock shall not be entitled to participate in any such dividends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. Voting Rights.</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: 0.5in">Holders of Series F Preferred Stock shall
not have the right to receive notice of nor the right to vote at any meeting of stockholders; provided, that Holders of the Series
F Preferred Stock shall vote as a separate class on any proposal which would revise the terms of the Series F Preferred Stock,
or any other matter specifically provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. Liquidation, Dissolution, or Winding Up.</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: 0.5in">(a) <U>Voluntary or Involuntary Liquidation</U>.
In the event of any liquidation, dissolution or winding up of the affairs of the Company, whether voluntary or involuntary, holders
of Series F Preferred Stock shall be entitled to receive for each share of Series F Preferred Stock, out of the assets of the Company
or proceeds thereof (whether capital or surplus) available for distribution to stockholders of the Company, subject to the rights
of any creditors of the Company, before any distribution of such assets or proceeds is made to or set aside for the holders of
common stock and any other stock of the Company ranking junior to the Series F Preferred Stock, payment in full in an amount equal
to the sum of (i) the Series F Stated Value (as hereinafter defined) and (ii) the amount of any declared and unpaid dividend on
each such share (such amounts collectively, the &ldquo;<U>Series F Liquidation Preference</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) <U>Partial Payment</U>. If in any distribution
described in Section 4(a) above the assets of the Company or proceeds thereof are not sufficient to pay in full the amounts payable
with respect to all outstanding shares of Series F Preferred Stock and the corresponding amounts payable with respect of any other
stock of the Company ranking equally with Series F Preferred Stock as to such distribution, holders of Series F Preferred Stock
and the holders of such other stock shall share ratably in any such distribution in proportion to the full respective distributions
to which they are entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) <U>Residual Distributions</U>. If the
Series F Liquidation Preference has been paid in full to all holders of Series F Preferred Stock and the corresponding amounts
payable with respect of any other stock of the Company ranking equally with Series F Preferred Stock as to such distribution has
been paid in full, the holders of other stock of the Company shall be entitled to receive all remaining assets of the Company (or
proceeds thereof) according to their respective rights and preferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) <U>Merger, Consolidation and Sale of
Assets Not Liquidation</U>. For purposes of this Section 4, the merger or consolidation of the Company with any other corporation
or other entity, including a merger or consolidation in which the holders of Series F Preferred Stock receive cash, securities
or other property for their shares, or the sale, lease or exchange (for cash, securities or other property) of all or substantially
all of the assets of the Company, shall not constitute a liquidation, dissolution or winding up of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. Rank. </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: 0.5in">For the purposes hereof any stock of any
series or class of the Company shall be deemed to rank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a) prior to the shares of this Series F
Preferred Stock, as to dividends or upon liquidation, if the holders of such series or class shall be entitled to the receipt of
dividends or of amounts distributable upon a Liquidation Event, as the case may be, in preference or priority to the holders of
shares of this Series F Preferred Stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) as Series F Parity Stock, as to dividends
or upon liquidation, whether or not the dividend rates, dividend payment dates or redemption or liquidation prices per share or
sinking fund provisions, if any, be different from those of this Series F Preferred Stock, if the holders of such stock shall be
entitled to the receipt of dividends or of amounts distributable upon a Liquidation Event, as the case may be, in proportion to
their respective dividend rates or liquidation prices, without preference or priority, one over the other, as between the holders
of such stock and the holders of shares of this Series F Preferred Stock, including, but not limited to, the Series C Preferred
Stock, the Series D Preferred Stock, and the Series E Preferred Stock and;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) as Series F Junior Stock, as to dividends
or upon liquidation, if such stock shall be common stock or if the holders of shares of this Series F Preferred Stock shall be
entitled to receipt of dividends or of amounts distributable upon a Liquidation Event, as the case may be, in preference or priority
to the holders of shares of such series or class.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. Conversion.</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: 0.5in">(a) The Series F Preferred Stock may be
converted into shares of common stock by any holder at any time after the date of the issuance of the Series F Preferred Stock.
Subject to and upon compliance with the provisions of this Section 6, the holder of any shares of this Series F Preferred Stock
of the Company may convert the shares of this Series F Preferred Stock into such number of validly issued, fully paid and nonassessable
shares of common stock which are equal to the product obtained by multiplying (1) the Series F Stated Value divided by the product
of one and twenty five hundredths (1.25) times $2.85 by (2) 0.189 (the &ldquo;<U>Series F Conversion Ratio</U>&rdquo;) surrendering
the shares to be converted, in the manner provided in Section 6(c) below; provided, that if the Company shall have called some
or all of the shares of this Series F Preferred Stock for redemption, such right shall terminate on the close of business on the
third Business Day next preceding the date fixed for redemption, unless the Company has defaulted in making or providing for the
payment due on the date fixed for redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) The Company has the right, upon 30 days
prior written notice to each holder, to require that the Series F Preferred Stock be converted into common stock at any time after
the date of issuance of the Series F Preferred Stock upon the happening of any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD>a merger, consolidation or similar transaction involving the Company as a result of which the shareholders of the Company prior
to such transaction do not own a majority of the voting power of the resulting entity;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD>the sale or disposition of all or substantially all of the Company&rsquo;s assets; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iii.</TD><TD>if the Board, in the exercise of its good faith discretion, in connection with a capital raising transaction through the sale
of the Company's capital stock, determines that the existence of the outstanding Series F Preferred Stock presents an impediment
to the consummation of such transaction such that the failure to convert the Series F Preferred Stock would not be in the best
interests of the Company and its common stock holders.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">The Series F Preferred Stock shall be converted
into that number of shares of the Company's common stock derived by applying the Series F Conversion Ratio.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD>In order to exercise the conversion privilege provided for under Section 6(a) hereof: or in the event the Company gives notice
of a mandatory conversion pursuant to Section 6(b) hereof, the holder of each share of this Series F Preferred Stock to be converted
shall surrender the certificate representing such share to the Conversion Agent for this Series F Preferred Stock appointed for
such purpose by the Company (the &ldquo;<U>Series F Conversion Agent</U>&rdquo;), or, if no Series F Conversion Agent has been
appointed or if the holder has not received notice of such appointment, then to the Company, and in the event the conversion is
pursuant to Section 6(a) hereof, with the Notice of Election to Convert on the back of said certificate duly completed and signed
at the principal office of the Series F Conversion Agent or the Company, as the case may be. Unless the shares issuable on conversion
are to be issued in the same name as the name in which the shares of this Series F Preferred Stock are registered, each share surrendered
for conversion shall be accompanied by instruments of transfer, in form satisfactory to the Company, duly executed by the holder
or its duly authorized attorney and by funds in an amount sufficient to pay any transfer or similar tax.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD>The holders of shares of this Series F Preferred Stock at the close of business on a Dividend Record Date shall be entitled
to receive the dividend payable on those shares on the corresponding Series F Dividend Payment Date notwithstanding the conversion
of the shares after the Dividend Record Date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iii.</TD><TD>As promptly as practicable after the surrender by a holder of the certificates of shares of this Series F Preferred Stock in
accordance with Section 6(c), the Company shall issue and shall deliver at the office of the Series F Conversion Agent to the holder,
or on his written order, a certificate or certificates for the number of full shares of common stock issuable upon the conversion
of those shares in accordance with the provisions of this Section 6(c)(iii), and any fractional interest in respect of a share
of common stock arising upon the conversion shall be settled as provided in Section 6(d) below.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iv.</TD><TD>In the event of a voluntary conversion under Section 6(a) hereof, each conversion shall be deemed to have been effected as
of the close of business on the date on which all of the conditions specified in Section 6(c)(i) above shall have been satisfied,
and, the person or persons in whose name or names any certificate or certificates for shares of common stock shall be issuable
upon such conversion shall be deemed to have become the holder or holders of record of the shares of common stock represented by
those certificates at such time on such date and such conversion shall be at the Series F Conversion Ratio in effect at such time
on such date. All shares of common stock delivered upon conversion of this Series F Preferred Stock will upon delivery be duly
and validly issued and fully paid and nonassessable, free of all liens and charges are not subject to any preemptive rights. Upon
the surrender of certificates representing shares of this Series F Preferred Stock to be converted, the shares will no longer be
deemed to be outstanding and all rights of a holder with respect to the shares surrendered for conversion shall immediately terminate
except the right to receive the common stock or other securities, cash or other assets as herein provided (including without limitation
any dividend payable as specified in Section 6(b)(ii) above).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">v.</TD><TD>In the event of a mandatory conversion under Section 6(b) hereof, each conversion shall be deemed to have been effected as
of the close of business on the tenth day after expiration of the 30 day notice period provided for under Section 6(b) hereof,
and thereafter the shares of Series F Preferred Stock called for conversion shall no longer be deemed outstanding, and no dividends
shall thereafter accrue or be payable on such shares, and such shares shall be deemed converted into common stock of the Company;
provided, that the Company shall not be required to issue certificates representing such shares of common stock until the holder
has complied with all of the provisions of this Section 6.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) No fractional shares or securities
representing fractional shares of common stock shall be issued upon conversion of this Series F Preferred Stock. Any fractional
interest in a share of common stock resulting from conversion of a share of this Series F Preferred Stock shall be paid in cash
based on the value of the common stock at the Series F Conversion Ratio, or in the discretion of the Company's management, rounded
upward or downward to the nearest whole share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e) If:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD>the Company shall authorize the granting to the holders of the common stock of rights or warrants to subscribe for or purchase
any shares of any class or any other rights or warrants; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD>there shall be any reclassification of the common stock (other than a subdivision or combination of the outstanding common
stock and other than a change in the par value, or from par value to no par value, or from no par value to par value), or any consolidation,
merger, or statutory share exchange to which the Company is a party, or any sale or transfer of all or substantially all the assets
of the Company, or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iii.</TD><TD>there shall be a voluntary or an involuntary dissolution liquidation or winding up of the Company;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">then the Company shall cause to be filed with the Series F Conversion
Agent, and shall cause to be mailed to the holders of shares of this Series F Preferred Stock at their addresses as shown on the
stock books of the Company, at least 15 days prior to the applicable date hereinafter specified, a notice stating (i) the date
on which a record is to be taken for the purpose of the dividend, distribution or rights or warrants, or, if a record is not to
be taken, the date as of which the holders of common stock of record to be entitled to the dividend, distribution of rights or
warrants are to be determined or (ii) the date on which the reclassification, consolidation, merger, statutory share exchange,
sale, transfer, dissolution, liquidation or winding up is expected to become effective, and the date as of which it is expected
that holders of common stock of record shall be entitled to exchange their shares of common stock for securities or other property
deliverable upon the reclassification, consolidation, merger, statutory share exchange, sale, transfer, dissolution, liquidation
or winding up. Failure to give any such notice or any defect in the notice shall not affect the legality or validity of the proceedings
described in this Section 6(e).</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: 0.5in">(f)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD>The Company covenants that it will at all times reserve and keep available, free from preemptive rights, out of the aggregate
of its authorized but unissued shares of common stock or its issued shares of common stock held in its treasury, or both, for the
purpose of effective conversions of this Series F Preferred Stock the full number of shares of common stock deliverable upon the
conversion of all outstanding shares of this Series F Preferred Stock not theretofore converted.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD>The Company may impose any such restrictions on the common stock issued upon conversion of the Series F Preferred Stock as
it may deem advisable in order to comply with the Securities Act of 1933, as amended, the requirements of any stock exchange or
automated quotation system upon which the stock is then listed or quoted, any applicable state securities laws, any provision of
the Company's certificate of incorporation or bylaws, or any other law, regulation, or binding contract to which the Company is
a party, and may request the holder of the Series F Preferred Stock to provide such investment representations or agreements as
may be required to ensure such compliance.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g) The Company will pay any and all documentary
stamp or similar issue or transfer taxes payable in respect of the issue or delivery of shares of common stock on conversion of
this Series F Preferred Stock pursuant hereto; provided, that the Company shall not be required to pay any tax which may be payable
in respect of any transfer involved in the issue or delivery of shares of common stock in a name other than that of the holder
of this Series F Preferred Stock to be converted and no such issue or delivery shall be made unless and until the person requesting
the issue or delivery has paid to the Company the amount of any such tax or has established, to the satisfaction of the Company,
that the tax has been paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h) In case of any reclassification or change
of outstanding shares of common stock (other than change in par value, or as a result of subdivision or combination), or in case
of any consolidation of the Company with, or merger of the Company with or into, any other entity that requires the vote of the
holders of common stock or that results in a reclassification, change, conversion, exchange or cancellation of outstanding shares
of common stock or any sale or transfer of all or substantially all of the assets of the Company, each holder of shares of this
Series F Preferred Stock then outstanding shall, in connection with such transaction, have the right to convert the shares of this
Series F Preferred Stock held by the holder into the kind and amount of securities, cash and other property which the holder would
have been entitled to receive upon such reclassification, change, consolidation, merger, sale or transfer if the holder had held
the common stock issuable upon the conversion of the shares of this Series F Preferred Stock immediately prior to the reclassification,
change, consolidation, merger, sale or transfer, and the Company may require the holders of the Series F Preferred Stock to accept
such consideration in exchange for their shares of Series F Preferred Stock in the event such transaction is approved by any requisite
vote of shareholders legally required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i) In the event that the Company shall
consummate any consolidation or merger or similar business combination, pursuant to which the outstanding shares of common stock
are by operation of law exchanged solely for or changed, reclassified or converted into stock, securities or cash or any other
property, or any combination thereof, then provision shall be made so that shares of this Series F Preferred Stock that are not
immediately converted and receive the consideration provided in Section 6(h), shall, in connection with such consolidation, merger
or similar business combination, be assumed by and shall become preferred stock of such successor or resulting corporation, having
in respect of such corporation the same powers, preferences and relative rights, and the qualifications, limitations or restrictions
thereon, that this Series F Preferred Stock had immediately prior to the transaction, except that after such transaction each share
of this Series F Preferred Stock shall be immediately convertible into the nature and kind of consideration so receivable by a
holder of the number of shares of common stock into which such shares of this Series F Preferred Stock could have been converted
immediately prior to such transaction. The Company shall not consummate any such merger, consolidation or similar transaction unless
all then outstanding shares of this Series F Preferred Stock (other than such shares that are converted pursuant to Section 6(h))
shall be assumed and authorized by the successor or resulting corporation as aforesaid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. Exchange for Bank Preferred Stock.</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: 0.5in">Upon the consummation of any transaction
whereby the Company is dissolved, and the holders of the common stock of the Company immediately prior to such dissolution exchange
their shares for common stock of BCB Community Bank (the &ldquo;<U>Bank</U>&rdquo;), the Company&rsquo;s sole asset and subsidiary,
each share of Series F Preferred Stock shall automatically, and without any further action by the holder thereof, be converted
into or exchanged for one share of preferred stock of the Bank having a liquidation preference and other terms and conditions,
including the dividend payment rate and conversion features, as similar to those of the Series F Preferred Stock as are permitted
by applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 8. Redemption.</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: 0.5in">(a) At any time after the issuance date
of the Series F Preferred Stock, shares of this Series F Preferred Stock shall be redeemable by the Company in whole or, from time
to time, in part at the Company&rsquo;s option at the Series F Stated Value, plus in each case an amount equal to any dividends
declared but unpaid for the then current Series F Dividend Period at the Rate to, but excluding, the date fixed for redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) In the event that fewer than all the
outstanding shares of this Series F Preferred Stock are to be redeemed as permitted by this Section 8, the number of shares to
be redeemed shall be determined by the Board, and the shares to be redeemed shall be determined on a pro rata basis unless another
method is required to comply with any rule or regulation of any stock exchange upon which the shares of this Series F Preferred
Stock may at any time be listed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) Notice of any redemption of shares of
this Series F Preferred Stock, specifying the date fixed for redemption (herein referred to as the &ldquo;<U>Redemption Date</U>&rdquo;)
and place of redemption, shall be given by first class mail to each holder of record of the shares to be redeemed, at his address
of record, not more than 60 nor less than 30 days prior to the Redemption Date. Each such notice shall also specify the redemption
price applicable to the share to be redeemed and that dividends on shares to be redeemed shall cease to accrue and accumulate on
the Redemption Date. If less than all the shares owned by such stockholder are then to be redeemed, the notice shall also specify
the number of shares thereof which are to be redeemed and the fact that a new certificate or certificates representing any unredeemed
shares shall be issued without cost to such holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) Notice of redemption of shares of this
Series F Preferred Stock having been given as provided in Section 8(c), then, unless the Company shall have defaulted in providing
for the payment of the redemption price and an amount equal to all declared and unpaid dividends to the Redemption Date, dividends
shall cease to accrue on the shares of this Series F Preferred Stock called for redemption at the Redemption Date, all rights of
the holders thereof (except the right to receive the redemption price and all accrued and unpaid dividends to the Redemption Date)
shall cease with respect to such shares and such shares shall not, after the Redemption Date, be deemed to be outstanding and shall
not have the status of preferred stock. In case fewer than all the shares represented by any certificate are redeemed, a new certificate
shall be issued representing the unredeemed shares without cost to the holder thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e) Any shares of this Series F Preferred
Stock which shall at any time have been redeemed or converted shall, after such redemption or conversion, have the status of authorized
but unissued shares of preferred stock, without designation as to series until such shares are once more designated as part of
a particular Series F by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f) The Series F Preferred Stock will not
be subject to any mandatory redemption, sinking fund or other similar provisions. Holders of Series F Preferred Stock will have
no right to require redemption or repurchase of any shares of Designated Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 9. Severability. </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: 0.5in">If any provision of this Certificate of
Amendment or any application of such provision is determined to be invalid by any federal or state court having jurisdiction,
the validity of the remaining provisions hereunder shall not be affected and other applications of such provision shall be affected
only to the extent necessary to comply with the determination of such court. To the extent the provisions of this Certificate
of Amendment may be inconsistent with any other provision of the Certificate of Incorporation, this Certificate of Amendment shall
be controlling.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">IN WITNESS WHEREOF, the undersigned has signed this Certificate
of Amendment to the Restated Certificate of Incorporation on this 11th day of May, 2018.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">BCB BANCORP, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">s/ Thomas Coughlin</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name: &nbsp;</TD>
    <TD>Thomas Coughlin</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title: </TD>
    <TD>Chief Executive Officer</TD></TR>
</TABLE>


<P STYLE="margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0; text-align: left"></P>

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