<SEC-DOCUMENT>0001437749-21-027400.txt : 20211124
<SEC-HEADER>0001437749-21-027400.hdr.sgml : 20211124
<ACCEPTANCE-DATETIME>20211124173034
ACCESSION NUMBER:		0001437749-21-027400
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20211124
DATE AS OF CHANGE:		20211124

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATRIOT NATIONAL BANCORP INC
		CENTRAL INDEX KEY:			0001098146
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				061559137
		STATE OF INCORPORATION:			CT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-29599
		FILM NUMBER:		211448172

	BUSINESS ADDRESS:	
		STREET 1:		900 BEDFORD ST
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06901
		BUSINESS PHONE:		2033247500
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>pnbk20211123_defa14a.htm
<DESCRIPTION>FORM DEFA14A
<TEXT>
<html><head>
	<title>pnbk20211123_defa14a.htm</title>

	<!-- Generated by ThunderDome Portal - 11/23/2021 10:57:13 PM --><meta charset="utf-8"><meta name="format-detection" content="telephone=no">
</head>
<body style="font-size: 10pt; font-family: &quot;Times New Roman&quot;; padding: 0in 0.1in; cursor: auto;">
<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>UNITED STATES</b><br>
<b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Washington, DC 20549</b></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>SCHEDULE 14A INFORMATION</b></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Amendment No.&nbsp;&nbsp;&nbsp;&nbsp;)</p>

<table cellpadding="0pt" cellspacing="0pt" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 100%; margin-left: 0pt; margin-right: 0pt;">

		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td colspan="1" style="vertical-align: top; width: auto; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Filed by the Registrant&nbsp;&nbsp;&#9746;</p>
			</td>
		</tr>
		<tr>
			<td colspan="1" style="vertical-align: top; width: auto; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td colspan="1" style="vertical-align: top; width: auto; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Filed by a Party other than the Registrant&nbsp;&nbsp;&#9744;</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Check the appropriate box:</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Preliminary Proxy Statement</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Definitive Proxy Statement</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Definitive Additional Materials</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9746;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Soliciting Material Pursuant to &#167;&nbsp;240.14a-12</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table cellpadding="0pt" cellspacing="0pt" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 100%; margin-left: 0pt; margin-right: 0pt;">

		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 106.8%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 18pt; font-variant: normal; text-align: center; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;"><b>Patriot National Bancorp, Inc.</b></p>
			</td>
		</tr>

</table>

<p style="margin: 0pt;">&nbsp;</p>

<hr style="text-align: center; height: 1px; color: #000000; background-color: #000000; width: 25%; border: none; margin: 3pt auto">
<table cellpadding="0pt" cellspacing="0pt" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 100%; margin-left: 0pt; margin-right: 0pt;">

		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 106.8%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">(Name of Registrant as Specified In Its Charter)</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table cellpadding="0pt" cellspacing="0pt" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 100%; margin-left: 0pt; margin-right: 0pt;">

		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 106.8%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Not Applicable</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt;">&nbsp;</p>

<hr style="text-align: center; height: 1px; color: #000000; background-color: #000000; width: 25%; border: none; margin: 3pt auto">
<table cellpadding="0pt" cellspacing="0pt" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 100%; margin-left: 0pt; margin-right: 0pt;">

		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: bottom; width: 106.8%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">(Name&nbsp;of&nbsp;Person(s)&nbsp;Filing&nbsp;Proxy&nbsp;Statement,&nbsp;if&nbsp;other&nbsp;than&nbsp;the&nbsp;Registrant)</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Payment of Filing Fee (Check the appropriate box)</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9746;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">No fee required.</p>
			</td>
		</tr>
		<tr>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">&nbsp;</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Fee computed on table below per Exchange Act Rules 14a-6(i) (1) and 0-11.</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">(1)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">Title of each class of securities to which transaction applies:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">(2)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">Aggregate number of securities to which transaction applies:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">(3)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">(4)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">Proposed maximum aggregate value of transaction:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">(5)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: Times New Roman;font-size: 10pt;font-variant:normal;margin:0pt;">Total fee paid:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Fee paid previously with preliminary materials.</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGFTR" style="text-align: center; width: 100%">
<div class="hf-row">
<div class="hf-cell PGNUM">&nbsp;</div>
</div>
</div>

<hr style="PAGE-BREAK-AFTER: always; border: none; width: 100%; height: 2px; color: #000000; background-color: #000000">
<div class="PGHDR" style="text-align: left; width: 100%">
<div class="hf-row">
<div class="hf-cell TOCLink">&nbsp;</div>
</div>
</div>
</div>

<p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin: 0pt; text-align: left">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">&#9744;</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: null;font-size: 10pt;font-variant:normal;margin:0pt;">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;">

		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">(1)</p>
			</td>
			<td style="width: auto;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">Amount Previously Paid:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">(2)</p>
			</td>
			<td style="width: auto;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">Form, Schedule or Registration Statement No.:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">(3)</p>
			</td>
			<td style="width: auto;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">Filing Party:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto;">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">(4)</p>
			</td>
			<td style="width: auto;">
			<p style="font-size: 10pt; font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0pt;">Date Filed:</p>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: 18pt;">&nbsp;</td>
			<td style="width: auto; border-bottom: 1px solid rgb(0, 0, 0);">
			<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin: 0pt;">&nbsp;</p>
			</td>
		</tr>

</table>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGNUM" style="text-align: center; width: 100%">&nbsp;</div>

<hr style="PAGE-BREAK-AFTER: always; border: none; width: 100%; height: 2px; color: #000000; background-color: #000000">
<div class="PGHDR" style="text-align: left; width: 100%">&nbsp;</div>
</div>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;">

		<tr>
			<td style="vertical-align:bottom;width:77.3%;">
			<div><img alt="pnb01.jpg" src="pnb01.jpg"></div>
			</td>
			<td style="vertical-align:middle;width:17.5%;">
			<div style="text-align: right;"><img alt="pnb02.jpg" src="pnb02.jpg"></div>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">November 24, 2021</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">To the Shareholders of Patriot National Bancorp, Inc.:</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">On behalf of the Board of Directors and our staff, we would like to take this opportunity to thank you for your investment in Patriot National Bancorp, Inc. (NASDAQ: PNBK) (&#8220;Patriot&#8221;). Enclosed is our annual report for the fiscal year of 2020 and an update on our recently announced merger.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">2020 was a challenging year due to the onset of Covid-19. Fortunately, our business continuity and pandemic plans were successfully implemented. As a result, operations remained stable in 2020 and throughout the ongoing pandemic period. Our infrastructure and remote-ready capabilities allowed us to maintain functionality of all banking services and to continue to serve our customers&#8217; needs, while safety measures were elevated to protect our employees and customers. Patriot staff worked diligently to address the Covid-19-related business disruption that many of our customers and borrowers experienced. We offered programs and accommodations to assist throughout the recovery. This included access to certain payment relief programs provided under the Coronavirus Aid, Relief and Economic Security (&#8220;CARES Act&#8221;). During 2020, we granted requests for payment relief across commercial real estate loans and commercial industrial loans of approximately $233 million. As of September 30, 2021, all but $7 million of these loan deferrals have resumed normal payment terms. In addition, we participated in the Small Business Administration&#8217;s (SBA) Paycheck Protection Program (PPP) and offered relief programs for eligible borrowers allowing businesses and consumers impacted by the pandemic to temporarily defer some loan payments.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Our actions were guided, as always, by our belief in the importance of customer relationships and exceeding customer expectations. We are proud of the team&#8217;s efforts and abilities to make a positive and impactful difference for our customers and the community, while Patriot continued to improve its financial health and seek value creation options for our shareholders.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">For the fiscal year ended December 31, 2020, Patriot reported a net loss of $3.8 million, or $0.97 per share, as compared to a net loss of $2.8 million, or $0.72 per share, in 2019. The net loss was largely a result of a decline in net interest income of $1.2 million, and the recognition of a provision for loan losses of $2.2 million. Both the decline in net interest income and the higher-than-expected loan loss provision were primarily the result of the impact of the Covid-19 pandemic, where loan growth was purposely tapered to protect from market uncertainties. This pandemic-driven decline of average loan balances, along with the decline in interest rates, contributed to the decline in Patriot&#8217;s net-interest income. The pandemic also resulted in the need to increase loan loss provisions due to the uncertainty associated with our borrowers&#8217; ability to continue their business operations and repay their debts. We are pleased that the recovery was more positive than planned for, with nearly all borrowers having resumed normal payment terms. Profitability and growth are back on track, as publicly reported for the first three quarters of 2021.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">We also highlight that the launch of our prepaid debt card business has been a success. Over $50 million of prepaid debit card deposits were acquired in July 2020. Since then, program balances have grown to more than $140 million through September 30, 2021 and contributed to a significant reduction in cost of funds. This business line will continue to play an increasing role in improving both net interest margin and non-interest income. Throughout 2020 and 2021, Patriot maintained its focus on balance sheet management, product segment build-out, and executing its profit enhancing strategies; these efforts are evidenced in the rising profitability reported throughout this 2021 fiscal year and the strategic shift towards a digital strategy.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGFTR" style="text-align: center; width: 100%">
<div class="hf-row">
<div class="hf-cell PGNUM">&nbsp;</div>
</div>
</div>

<hr style="PAGE-BREAK-AFTER: always; border: none; width: 100%; height: 2px; color: #000000; background-color: #000000">
<div class="PGHDR" style="text-align: left; width: 100%">
<div class="hf-row">
<div class="hf-cell TOCLink">&nbsp;</div>
</div>
</div>
</div>

<p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin: 0pt; text-align: left">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">On November 15, 2021, we announced our entering into a merger agreement with American Challenger Development Corp. (&#8220;American Challenger&#8221;), whereby Patriot would acquire American Challenger for an implied total transaction value of $119 million via a reverse subsidiary merger. In connection with the proposed merger, Patriot will recapitalize the combined company with $890 million of new capital to fuel growth of the combined business plans of Patriot and American Challenger. With traditional banking&#8217;s gradual shift toward digital banking, the scope of the proposed merger is expected to propel Patriot to the forefront of digital banking and result in the largest digital banking platform in the United States. The transaction is targeted to close in the first quarter of 2022 and is subject to regulatory, shareholder and other approvals.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">As the organization turns it focus on the future, Patriot is encouraged by the continued loyalty from the communities we serve and the growth opportunities in front of us. We remain focused on growing core businesses efficiently and effectively, with the guiding principle of conservative but profitable operations. Our focus and attention will be on the continued development of business lines, such as our commercial portfolio and our pre-paid debit card partnerships and leveraging the potential of our SBA division. And with an anticipated successful closing of the proposed merger transaction targeted for the first quarter of 2022, we believe that Patriot shareholders will prosper from having a leading technology platform that will offer customers cost-effective products and services along with a digital-first experience.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">We look forward to your participation at our Annual Meeting at 10 a.m. Eastern Time on December 22, 2021.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Sincerely,</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; width: 100%;">

		<tr>
			<td style="width: 50%;">
			<div><img alt="mcarrazza.jpg" src="mcarrazza.jpg"></div>
			</td>
			<td style="width: 50%;">
			<div><img alt="rrussell.jpg" src="rrussell.jpg"></div>
			</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Michael A. Carrazza</td>
			<td>Robert G. Russell, Jr.</td>
		</tr>
		<tr>
			<td>Chairman</td>
			<td>President and Chief Executive Officer</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>

<div style="text-align: right;"><img alt="fdic.jpg" src="fdic.jpg"></div>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>Cautionary Statement About Forward-Looking Statements:</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">This letter includes &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans and future performance of Patriot and American Challenger. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "intends," "plans," "projects," &#8220;targets,&#8221; &#8220;designed,&#8221; "could," "may," "should," "will" or other similar words and expressions are intended to identify these forward-looking statements. These forward-looking statements are based on Patriot&#8217;s and American Challenger&#8217;s current expectations and assumptions regarding Patriot&#8217;s and American Challenger&#8217;s businesses, the economy, and other future conditions.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGFTR" style="text-align: center; width: 100%">
<div class="hf-row">
<div class="hf-cell PGNUM">&nbsp;</div>
</div>
</div>

<hr style="PAGE-BREAK-AFTER: always; border: none; width: 100%; height: 2px; color: #000000; background-color: #000000">
<div class="PGHDR" style="text-align: left; width: 100%">
<div class="hf-row">
<div class="hf-cell TOCLink">&nbsp;</div>
</div>
</div>
</div>

<p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin: 0pt; text-align: left">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict. Many possible events or factors could affect Patriot&#8217;s and/or American Challenger&#8217;s future financial results and performance and could cause the actual results, performance or achievements of Patriot and American Challenger to differ materially from any anticipated results expressed or implied by such forward-looking statements. Such risks and uncertainties include, among others, (1) the risk that the cost savings, any revenue synergies and other anticipated benefits of the proposed transactions may not be realized or may take longer than anticipated to be realized, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the condition of the economy and competitive factors in areas where Patriot does business, (2) disruption to the parties&#8217; business activities as a result of the announcement and pendency of the proposed transactions and diversion of management&#8217;s attention from ongoing business activities and opportunities, (3) the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the Merger Agreement, dated November 14, 2021, between Patriot and American Challenger (the &#8220;Merger Agreement&#8221;), or the investment agreements between Patriot and the investors in the recapitalization (&#8220;Investment Agreements&#8221;), (4) the risk that the integration of Patriot and American Challenger will be materially delayed or will be more costly or difficult than expected or that Patriot and American Challenger are otherwise unable to successfully integrate their companies, (5) the failure to obtain the necessary approvals of Patriot&#8217;s shareholders, (6) the outcome of any legal proceedings that may be instituted against Patriot and/or American Challenger, (7) the failure to obtain required governmental approvals or a delay in obtaining such approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the proposed transactions), (8) reputational risk and potential adverse reactions of Patriot&#8217;s and/or American Challenger&#8217;s customers, suppliers, employees or other business partners, as applicable, including those resulting from the announcement or completion of the proposed transactions, (9) the failure of any of the closing conditions in the Merger Agreement or Investment Agreements to be satisfied on a timely basis or at all, (10) delays in closing the proposed merger or recapitalization, (11) the possibility that the proposed merger and recapitalization may be more expensive to complete than anticipated, including as a result of unexpected factors or events, (12) the dilution caused by Patriot&#8217;s issuance of additional shares of its capital stock in connection with the proposed transactions, (13) general competitive, economic, political and market conditions, (14) other factors that may affect future results of Patriot, including changes in asset quality and credit risk, the inability to sustain revenue and earnings growth, changes in interest rates and capital markets, inflation, customer borrowing, repayment, investment and deposit practices, the impact, extent and timing of technological changes, capital management activities, and other actions of the Federal Reserve Board and legislative and regulatory actions and reforms, and (15) the impact of the ongoing global COVID-19 pandemic on Patriot&#8217;s and/or American Challenger&#8217;s businesses, the ability to complete the proposed transactions and/or any of the other foregoing risks.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Except to the extent required by applicable law or regulation, each of Patriot and American Challenger disclaims any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included in this communication to reflect future events or developments. Further information regarding Patriot which could affect the forward-looking statements contained herein can be found in Patriot&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31, 2020, its subsequent Quarterly Reports on Form 10-Q, and its other filings with the Securities and Exchange Commission (&#8220;SEC&#8221;) and in the proxy statement related to the proposed transactions.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Additional Information and Where to Find It</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">In connection with the proposed merger and recapitalization, Patriot will file a proxy statement and other relevant documents with the SEC<b>. SHAREHOLDERS ARE ADVISED TO READ THE PROXY STATEMENT WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION.</b>&nbsp;Shareholders may obtain a free copy of the proxy statement (when available) and other documents filed by Patriot at the SEC's website at http://www.sec.gov. The proxy statement and such other documents may also be obtained for free from Patriot by directing such request to Patriot at 900 Bedford Street, Stamford, CT, 06901, Attention: Michael Carrazza, telephone: 203-251-8230.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Participants in the Solicitation</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Patriot and its directors, executive officers and other members of its management and employees may be deemed to be participants in the solicitation of proxies from its shareholders in connection with the merger and recapitalization. A list of the names of such directors and executive officers and information concerning such participants&#8217; ownership of Patriot common stock is set forth in Patriot&#8217;s information statements and Annual Reports on Form 10-K, previously filed with the SEC. Additional information about the interests of those participants may be obtained from reading the proxy statement relating to the merger and recapitalization when it becomes available, or by directing a request to Patriot at 900 Bedford Street, Stamford, CT, 06901, Attention: Michael Carrazza, telephone: (203) 251-8230.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">American Challenger and its directors and executive officers may also be deemed to be participants in the solicitation of proxies from Patriot&#8217;s shareholders in connection with the merger and recapitalization. A list of the names of such directors and executive officers and information regarding their interests in the merger will be contained in the proxy statement when available.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<div class="LAST-PAGE-BREAK">
<div class="PGFTR">
<div class="hf-row">
<div class="hf-cell PGNUM">&nbsp;</div>
</div>
</div>
</div>


</body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>fdic.jpg
<TEXT>
begin 644 fdic.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 L17AI9@  34T *@    @  0$Q  (
M   *    &@    !'<F5E;G-H;W0 _]L 0P '!04&!00'!@4&" <'" H1"PH)
M"0H5#Q ,$1@5&AD8%1@7&QXG(1L=)1T7&"(N(B4H*2LL*QH@+S,O*C(G*BLJ
M_]L 0P$'" @*"0H4"PL4*AP8'"HJ*BHJ*BHJ*BHJ*BHJ*BHJ*BHJ*BHJ*BHJ
M*BHJ*BHJ*BHJ*BHJ*BHJ*BHJ*BHJ*BHJ_\  $0@ ,P!G P$B  (1 0,1 ?_$
M !\   $% 0$! 0$!           ! @,$!08'" D*"__$ +40  (! P,"! ,%
M!00$   !?0$" P $$042(3%!!A-180<B<10R@9&A""-"L<$54M'P)#-B<H()
M"A87&!D:)28G*"DJ-#4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T
M=79W>'EZ@X2%AH>(B8J2DY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%
MQL?(R<K2T]35UM?8V=KAXN/DY>;GZ.GJ\?+S]/7V]_CY^O_$ !\!  ,! 0$!
M 0$! 0$        ! @,$!08'" D*"__$ +41  (! @0$ P0'!00$  $"=P !
M @,1! 4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:
M)B<H*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#
MA(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3
MU-76U]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_:  P# 0 "$0,1 #\ ^D:*"0!D
MG KS[Q/\4K2QNSI7AFW;6=6?Y42'E%;W/?Z"KA"4_A1G4JPIKWF=KJ.JV6D6
M;W>IW45K!&,M)*V *GMKJ"\MTGM94FBD&5=#D$?6O+M.^&NK>*[R/5OB/?/+
M(IRFG1'Y$'/!(Z?A^=.O?"/B+P'=-J'@2=[O3MV^;2I3GCOM]?Y_6K4(/W5+
M7\#%UJB]Z4-/Q^X]4HKC_!WQ&TKQ8HM\_8]27B2TE."2.NT]\5V%92BXNS-X
M3C./-%W044F1ZTN:18449HS0 4444 %%%% #702(5/0C!KQ>+PO8^%/C?X?L
M=*^T2)-#+/(TL@)!Y'ITKVAW$<99N HR:\<\:MHWB7Q7:ZGIGC6'2+FUM-N%
M1O,"L>&R.@K>BVKJ]DSEKI-Q=KM%SXEQ7,_BJ'R;3Q9+&+=<MH^/)/)Z_*WS
M?EVK6^%MM/!;:H9[37K;+Q[?[:;+/PW*#:N/?\*X^WT747TR74(_BG(]JCJC
MR^9(0I9<J.O<$5#_ &2]O&UX_P 3[T1!PCEVF)^8<<;^G!YK:R=/EO\ F<RE
M*-3FY7KYK_,U?@QH.G7]SJFM7-MOO;3472"7<?D!7GC..YKV"=BL#E>H4D?E
M7FWPL?0=#-]I.F^(4U:XN;D2L!$5*-L'&23G(4G\Z](N7,=K*Z]50D9^E85F
MY5&SJPZ4:*L?-P\:>*?[#OK==9U"1[AI;Q+GSLM#%#N#(/3+8_*O0[+XEZA_
MPD5EHJ06<D6+>-Y)[@":4/#O,B@G)Y(['OS7)>&=1\4^)O[0DD\<1Z0L,IC5
M+B.(!@>>/EZ"KURWBB;XC6?AR'Q2Z2?9$4WL=O&=_P"[W$CY<\GWQ71*%VTT
MM#CIU'%*2;=VET\RW)\5_%CVTT]KINE[([(7J[HYFROF^65R".>_M4]EXSUW
M3O&NIVD3B\2XU<QBSGCD:1(A &W1D' 7(].]);>(O%?@[QG:^'_$EZNJ6EVF
M(KD1 -SG#9 '0\$8KG-&\<ZYI/@/5KQ]3GN[V6_2VMY;H^9Y *%F(_ ?RJ52
M;5K+6W]?@7+$1CJV[J_X6_S.FM/BIXAGT26X6QTV2Z5;<>6'?,,DDFTI(HR5
MQD=<'VKU>Q-T;&$ZB(1=%!YH@)*!N^W/./K7DJ>%OB%IVCVFJ^'_ !'+J=Y-
MLDDL;IU$94C/WF_I@UZOIDEW-I=M)J5N+:[:-3-"KAA&^.0".N#WK"HE?2QU
M4')KWDRU11161T$5R6%K(4^\%./KBO"I]9U&?PKHD\$,D.I;GCU69]&DR.I0
M?ZIN.G(!KWJBKC)1W1G.#EU/&6O_ !);75W';Z6SVUP]PT4T>G@?+%;-L5AM
M'5RI!QSR*SH[SQ0^AVQN(KD(;M$:9M'*OY9BW,I4(3@/QG;7N]%5[1=D9?5_
M[S/+/!B^(S\1;O\ M*S>+2<S?9Y'LU7)5E"_-M!7@GZUZ;>*7LYE7[S(P&/I
M4U%1*5W<VC!1CRGB'PY^&MMJMOJB^,]!F4K/BW:XRF]2.<?C5C5[+4= ^+RZ
MEIGA^_O;.T@CCB$"G:P\H+@-C'']*]GHK;ZQ)R;EK<YOJD%%1CI9WN>0IH?B
MGQAXXM]<US2WTJTLHSY,#3!F)&2!^)Z]*P]+^'&OWW@'5;6YT^2SOH[Y;FVC
MF9?WP$94@$$XSD]:]ZHH^L26R%]3IOXFW>_X_P##'D4WB7XBSZ+::3H7AB>P
MU& *DEW/L:)E QWX'8]_:O4M*6]32;5=5D66]6)1<.@PK/CYB!Z9JW164Y*6
KRL=-.#@M7<****@T"BBB@ HHHH **** "BBB@ HHHH **** "BBB@#__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>mcarrazza.jpg
<TEXT>
begin 644 mcarrazza.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 L17AI9@  34T *@    @  0$Q  (
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ML=P.IJQX$GUNZ\&6,OBE NILA\["XSSUQVH Z6BD7I_C2@@]#0 449'K1F@
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M+VT6X F89+%2<9]>E 'JT4J2KF-U;!QE3D"O,_'F-8^,/@K0V1I(83+?S8/
M"@A<_B15;]GF;4+SX=W-YJDLD@NKZ26-I"<E3CI[9S6_<6:R_'.SN?XXM%D'
M X;]XM '= _-S3CTXJ-#\W^>*DH \^!_M_XT_* ]MX?LCR>T\G7_ ,=Q7H(Z
M5YQ\*";ZX\5ZN_/VS5W"^P0!/Z5W]S<1VEK)/.VV*)2[MZ #)_E0!,W;]:J2
MZA:0ZC#9RW$:W,JLT41/S,!U('XBOGV^\=^-+[X@>&]7&HK::#JVH_9[.R3[
MTD(;&]AWSV-=O\3=?MO#'Q#T'5[H;_LUA=F-!U=SLVJ/J: /1;O7-,T^:2*[
MOK>"2-"[J[C<%]<>E27&I65K8+>3W<4-LX!$SOA>>G7UKQ;Q'\.9K_X<S>*=
M7N6A\23'[9<3G.50CB #LH!Q6II=C;_%74DMKIC+X8T2UCA6)3\MQ=%!DD]P
MO&/>@#V&)UDA5XV5D89!4Y!%./N>*\5\;ZAXET+0K?P7X-U%1<Z=IS7-]?RG
MYHX5^ZH/J?6NO^$^NW>K_"/2M7UNZ,T[0N9IVZD!B.?P% ':RS1P@&618QG
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7'3I2T4 %)M'I2T4 %%%% !1110!__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>pnb01.jpg
<TEXT>
begin 644 pnb01.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 L17AI9@  34T *@    @  0$Q  (
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MJT=L%D,3-BWL+?)'U/\ >/N:]+\!?!VWTPQ:CXH5;F\&&CM>L<7U_O']*V/
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MV%C#-:W5ZIDE=&)7<5!Y''2K6';I<_4SEC(QK<G0^DZ*04M<IWBCI2T@Z4M
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/"J!@ =J** '4444 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>pnb02.jpg
<TEXT>
begin 644 pnb02.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 L17AI9@  34T *@    @  0$Q  (
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M<C;[GS'#*&4C V@>OTH%J=91110,**** "BBB@ HHHH **** "BBB@ HHHH
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M]\/IM&U32;R>_AF-@ET76*#9YLDSYW=3T7Y:JT+;B3J7VT.XHHHK(U"BBB@
JHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH __9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>rrussell.jpg
<TEXT>
begin 644 rrussell.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 L17AI9@  34T *@    @  0$Q  (
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M3Q.,G^$*H7)SSUQT-7[.I+H'-$ZFBN9MO&"OJ-W:W5E<(Z!6@BBB9Y'!SPP
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/ HHHH **** "BBB@#__9

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