<SEC-DOCUMENT>0001437749-25-001434.txt : 20250121
<SEC-HEADER>0001437749-25-001434.hdr.sgml : 20250121
<ACCEPTANCE-DATETIME>20250117205523
ACCESSION NUMBER:		0001437749-25-001434
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20250114
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250121
DATE AS OF CHANGE:		20250117

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATRIOT NATIONAL BANCORP INC
		CENTRAL INDEX KEY:			0001098146
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				061559137
		STATE OF INCORPORATION:			CT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-29599
		FILM NUMBER:		25540153

	BUSINESS ADDRESS:	
		STREET 1:		900 BEDFORD ST
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06901
		BUSINESS PHONE:		2033247500
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>pnbk20250117_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:naics="http://xbrl.sec.gov/naics/2023" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:us-types="http://fasb.org/us-types/2023" xmlns:utreg="http://www.xbrl.org/2009/utr" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:us-roles="http://fasb.org/us-roles/2020-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2023" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:thunderdome="http://www.RDGFilings.com" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:us-gaap="http://fasb.org/us-gaap/2023" xmlns:country="http://xbrl.sec.gov/country/2023" xmlns:rr="http://xbrl.sec.gov/rr/2018-01-31" xmlns:sic="http://xbrl.sec.gov/sic/2023" xmlns:currency="http://xbrl.sec.gov/currency/2023" xmlns:exch="http://xbrl.sec.gov/exch/2023" xmlns:srt="http://fasb.org/srt/2023" xmlns:pnbk="http://www.pnbk.com/20250114"><head>
	<title>pnbk20250117_8k.htm</title>

	<!-- Generated by ThunderDome Portal - 1/17/2025 11:51:06 PM -->
<meta http-equiv="Content-Type" content="text/html"/></head>
<body style="font-size: 10pt; font-family: &quot;Times New Roman&quot;; padding: 0in 0.1in; cursor: auto;"><div style="display: none">
<ix:header>
<ix:hidden>
<ix:nonNumeric contextRef="d20258K" name="dei:AmendmentFlag" id="ixv-396">false</ix:nonNumeric>
<ix:nonNumeric contextRef="d20258K" name="dei:EntityCentralIndexKey" id="ixv-397">0001098146</ix:nonNumeric>

</ix:hidden>
<ix:references>
<link:schemaRef xlink:href="pnbk-20250114.xsd" xlink:type="simple"/>
</ix:references>
<ix:resources>
<xbrli:context id="d20258K">
<xbrli:entity>
<xbrli:identifier scheme="http://www.sec.gov/CIK">0001098146</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-14</xbrli:startDate>
<xbrli:endDate>2025-01-14</xbrli:endDate>
</xbrli:period>
</xbrli:context>



</ix:resources>
</ix:header>
</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>UNITED STATES</b></div>

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

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

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<hr style="text-align: center; height: 1px; color: #000000; background-color: #000000; width: 25%; border: none; margin: 3pt auto"/>
<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>FORM</b>&#160;<ix:nonNumeric contextRef="d20258K" name="dei:DocumentType" id="ixv-19"><b>8-K</b></ix:nonNumeric></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<hr style="text-align: center; height: 1px; color: #000000; background-color: #000000; width: 25%; border: none; margin: 3pt auto"/>
<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>CURRENT REPORT</b></div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Pursuant to Section 13 or 15(d)</b><br/>
<b>of the Securities Exchange Act of 1934</b></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Date of Report (Date of earliest event reported):</b>&#160;&#160;<ix:nonNumeric contextRef="d20258K" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate" id="ixv-33"><b>January 14, 2025</b></ix:nonNumeric></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" name="dei:EntityRegistrantName" id="ixv-37"><b>PATRIOT NATIONAL BANCORP, INC.</b></ix:nonNumeric></div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Exact name of registrant as specified in its charter)</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

		<tbody><tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 32%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode" id="ixv-46"><b>Connecticut</b></ix:nonNumeric></div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" name="dei:EntityFileNumber" id="ixv-51"><b>000-29599</b></ix:nonNumeric></div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 32%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" name="dei:EntityTaxIdentificationNumber" id="ixv-56"><b>06-1559137</b></ix:nonNumeric></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 32%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(State or Other Jurisdiction of Incorporation)</div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="vertical-align: top; width: 30%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Commission File Number)</div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="vertical-align: top; width: 32%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(I.R.S. Employer Identification No.)</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" name="dei:EntityAddressAddressLine1" id="ixv-69"><b>900 Bedford Street</b></ix:nonNumeric></div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b><ix:nonNumeric contextRef="d20258K" name="dei:EntityAddressCityOrTown" id="ixv-73"><b>Stamford</b></ix:nonNumeric>,</b>&#160;<ix:nonNumeric contextRef="d20258K" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince" id="ixv-75"><b>Connecticut</b></ix:nonNumeric>&#160;<ix:nonNumeric contextRef="d20258K" name="dei:EntityAddressPostalZipCode" id="ixv-77"><b>06901</b></ix:nonNumeric></div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Address of Principal Executive Offices) (Zip Code)</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>(<ix:nonNumeric contextRef="d20258K" name="dei:CityAreaCode" id="ixv-83"><b>203</b></ix:nonNumeric>)</b>&#160;<ix:nonNumeric contextRef="d20258K" name="dei:LocalPhoneNumber" id="ixv-85"><b>252-5900</b></ix:nonNumeric></div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Registrant's telephone number, including area code)</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

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

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

		<tbody><tr style="vertical-align: top;">
			<td style="width: 18pt;">&#160;</td>
			<td style="width: 18pt;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;"><ix:nonNumeric contextRef="d20258K" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications" id="ixv-407">&#9744;</ix:nonNumeric></div>
			</td>
			<td style="width: auto;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&#160;</td>
			<td style="width: 18pt;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;"><ix:nonNumeric contextRef="d20258K" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial" id="ixv-408">&#9744;</ix:nonNumeric></div>
			</td>
			<td style="width: auto;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&#160;</td>
			<td style="width: 18pt;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;"><ix:nonNumeric contextRef="d20258K" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer" id="ixv-409">&#9744;</ix:nonNumeric></div>
			</td>
			<td style="width: auto;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
			</td>
		</tr>
		<tr style="vertical-align: top;">
			<td style="width: 18pt;">&#160;</td>
			<td style="width: 18pt;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;"><ix:nonNumeric contextRef="d20258K" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer" id="ixv-410">&#9744;</ix:nonNumeric></div>
			</td>
			<td style="width: auto;">
			<div style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

		<tbody><tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 34%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Title of each class</b></div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 26%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Trading Symbol(s)</b></div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 34%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Name of each exchange on which registered</b></div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 34%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" name="dei:Security12bTitle" id="ixv-411">Common Stock</ix:nonNumeric>, par value $0.01 per share</div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="vertical-align: top; width: 26%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" name="dei:TradingSymbol" id="ixv-412">PNBK</ix:nonNumeric></div>
			</td>
			<td style="vertical-align: top; width: 3%;">&#160;</td>
			<td style="vertical-align: top; width: 34%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="d20258K" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="ixv-413">NASDAQ</ix:nonNumeric>&#160;Global Market</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Emerging growth company&#160; <ix:nonNumeric contextRef="d20258K" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany" id="ixv-414">&#9744;</ix:nonNumeric></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">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. &#9744;</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGNUM" style="text-align: center; width: 100%">&#160;</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%">&#160;</div>
</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Item 1.01 Entry into A Material Definitive Agreement.</b></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">On January 14, 2025, Patriot Bank, N.A. (the &#8220;Bank&#8221;), the wholly-owned subsidiary of Patriot National Bancorp, Inc. (&#8220;Patriot&#8221; or the &#8220;Company&#8221;), entered into an agreement (the &#8220;OCC Agreement&#8221;) with the Office of the Comptroller of the Currency (&#8220;OCC&#8221;), pursuant to which the Bank agreed, through its board of directors (&#8220;Bank Board&#8221;) to take certain actions which, among others, including the following:</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">By January 31, 2025, the Bank Board shall appoint a Compliance Committee of at least three members, a majority of whom shall be directors who are not employees or officers of the Bank or any of its subsidiaries or affiliates. The Compliance Committee shall be responsible for monitoring and oversee the Bank&#8217;s adherence to the provisions of the OCC Agreement;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 30 days of the date of the OCC Agreement, and thereafter within 30 days after the end of each quarter, the Compliance Committee shall submit to the Bank Board a written progress report setting forth in detail a description of the corrective actions needed to achieve compliance with the OCC Agreement, the specific corrective actions undertaken to comply with the OCC Agreement, and the results and status of the corrective actions;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 45 days of the date of the OCC Agreement, the Bank Board shall submit to the Assistant Deputy Comptroller an acceptable written strategic plan for the Bank, to establish objectives for the Bank&#8217;s overall risk profile, earnings performance, growth, balance sheet mix, off-balance sheet activities, liability structure, capital and liquidity adequacy, product line development, and market segments that the Bank intends to promote or develop, together with strategies to achieve those objectives;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">By February 28, 2025, the Bank shall achieve and thereafter maintain the minimum capital ratios as defined in 12 C.F.R. &#167;&#160;3.10(b) and as calculated in accordance with 12 C.F.R. Part 3, which, specifically, include: (i) a common equity tier 1 capital ratio at least equal to 10.0%, (ii) a tier 1 capital ratio at least equal to 10.0%, (iii) a total capital ratio at least equal to eleven and one-half percent (11.5%); and (iv) a leverage ratio at least equal to 9.0%;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 60 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written risk management framework guiding the implementation of new, expanded, or modified products and services;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 30 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written plan detailing the remedial actions necessary to achieve and sustain compliance with the Bank Secrecy Act, as amended (31 U.S.C. &#167;&#160;5311 et seq.);</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 45 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written customer identification program to ensure appropriate collection and analysis of customer information for reloadable prepaid card accounts;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 45 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written plan designed to ensure the Bank Secrecy Act/Anti-Money Laundering (&#8220;BSA/AML&#8221;) risks associated with providing prepaid card products through third-party program managers are identified, managed, and controlled and are consistent with safe and sound risk management practices;</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 45 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written suspicious activity monitoring and reporting program to ensure the timely and appropriate identification, review, and disposition of unusual activity, and the filing of Suspicious Activity Reports consistent with 12 C.F.R. &#167;&#160;21.11.</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within ninety 90 days of the date of the OCC Agreement, the Bank shall conduct a review and provide a written report of the Bank&#8217;s fraud suspicious activity monitoring;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 60 days of the date of the OCC Agreement, the Bank shall develop a written institution-wide BSA/AML Risk Assessment, which shall reflect a comprehensive analysis of the Bank&#8217;s money laundering, terrorist financing, and other illicit financial activity risks and provide strategies to control those risks and limit any identified vulnerabilities;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 60 days of the date of the OCC Agreement, the Bank Board shall ensure the Bank maintains, at all times, a qualified BSA Officer vested with sufficient independence, authority, and resources to fulfill the duties and responsibilities of the position and ensure compliance with the requirements of the BSA and its implementing regulations;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 60 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written Payment Activities Oversight Program, to manage the various risks;</div>
			</td>
		</tr>

</tbody></table>

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

		<tbody><tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 30 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written credit administration program to ensure the Bank obtains and analyzes credit and collateral information sufficient to identify, monitor, and report the Bank&#8217;s credit risk, properly account for loans, and assign accurate risk ratings in a timely manner;</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 60 days of the date of the OCC Agreement, the Bank shall submit to the Assistant Deputy Comptroller an acceptable written Concentration Risk Management Program; and</div>
			</td>
		</tr>
		<tr>
			<td style="vertical-align:middle;width:0.9%;">&#160;</td>
			<td style="vertical-align:top;width:0.9%;">
			<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9679;</div>
			</td>
			<td style="vertical-align:top;width:44.5%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Within 45 days of the date of the OCC Agreement, the Bank Board shall submit to the Assistant Deputy Comptroller an acceptable written Liquidity Risk Management Program which shall provide for the identification, measurement, monitoring, and control of the Bank&#8217;s liquidity risk exposure, and shall emphasize the importance of cash flow projections, diversified funding sources, a cushion of highly liquid assets, robust liquidity stress testing scenario analyses, and a formal, well-developed contingency funding plan as primary tools for measuring and managing liquidity risk.</div>
			</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The Bank has been designated by the OCC to be in &#8220;troubled condition&#8221; as set forth in 12 C.F.R. &#167;5.51(c)(7)(ii) and not an &#8220;eligible bank&#8221; for purposes of 12 C.F.R. &#167;5.3(g) and 12 C.F.R. &#167;24.2(e).</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<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">&#160;</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">&#160;</div>
</div>
</div>
</div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin: 0pt; text-align: left">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The foregoing description of the terms of the OCC Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the form of the OCC Agreement filed herewith as Exhibit 10.1.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Furthermore, on January 17, 2025, the OCC notified the Bank that, in connection with the entry into the OCC Agreement, the&#160;individual minimum capital ratios (IMCR) previously established on April 17, 2024 for the Bank has been terminated.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Item 5.02 - Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</b></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">Effective on January 14, 2025, David Finn was appointed as Chief Financial Officer of Patriot and the Bank. In addition to his title as Chief Financial Officer, Mr. Finn also serves as Executive Vice President of the Company and the Bank.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Mr.&#160;Finn has served as Interim Chief Financial Officer and Executive Vice President of the Company and the Bank since October&#160;2024. Mr.&#160;Finn was hired by the Bank on August&#160;5, 2024, as Executive Vice President and Senior Finance Officer. Before joining the Company, from May&#160;2014 to June&#160;2023, Mr.&#160;Finn served as Senior Vice President at First Citizens Bank (formerly CIT Group Inc.), where he was responsible for all regulatory reporting. Mr.&#160;Finn joined CIT Group Inc. in 1998 and remained there until 2023, and held a number of positions in finance, including Global Controller of Equipment Finance and Non-Strategic Portfolios and Chief Financial Officer of the Consumer Finance segment. Prior to joining CIT Group Inc., Mr.&#160;Finn worked as a senior accountant in Price Waterhouse LLP and as staff accountant at Coopers &amp; Lybrand LLP. Mr.&#160;Finn received a Bachelor of Arts degree in Management, with an Accounting and Finance concentration, from Gettysburg College.&#160;</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">There is no change to the compensation to Mr. Finn resulting from the change of his title from Interim Chief Financial Officer to Chief Financial Officer.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Item 9.01 Financial Statements and Exhibits.</b></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">(d) Exhibits</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

		<tbody><tr>
			<td style="vertical-align: top; width: 4.2%; border-bottom: 1px solid rgb(0, 0, 0); border-left: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0);">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Number</b></div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 0.5%; border-left: 1px solid rgb(0, 0, 0); border-top: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="vertical-align: top; width: 41.7%; border-width: 1px; border-style: solid; border-color: rgb(0, 0, 0);">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b>Description</b></div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 4.2%; border-left: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 0.5%; border-left: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 41.7%; border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0);">&#160;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 4.2%; border-left: 1px solid rgb(0, 0, 0);">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">10.1</div>
			</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: bottom; width: 0.5%; border-left: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 41.7%; border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0);">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><a href="ex_767430.htm" style="-sec-extract:exhibit;">Form of Agreement by and between Patriot Bank, National Association and the Office of the Comptroller of the Currency</a></div>
			</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 4.2%; border-left: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 0.5%; border-left: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 41.7%; border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0);">&#160;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 4.2%; border-left: 1px solid rgb(0, 0, 0);">104</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 0.5%; border-left: 1px solid rgb(0, 0, 0);">&#160;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: middle; width: 41.7%; border-left: 1px solid rgb(0, 0, 0); border-right: 1px solid rgb(0, 0, 0);">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGNUM" style="text-align: center; width: 100%">&#160;</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%">&#160;</div>
</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>SIGNATURES</b></div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</div>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

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

		<tbody><tr>
			<td style="vertical-align:top;width:23.1%;">&#160;</td>
			<td colspan="2" style="vertical-align:top;width:2.3%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b>PATRIOT NATIONAL BANCORP, INC.</b></div>
			</td>
			<td style="vertical-align:top;width:4.6%;">&#160;</td>
		</tr>
		<tr>
			<td style="vertical-align:top;width:23.1%;">&#160;</td>
			<td style="vertical-align:top;width:2.3%;">&#160;</td>
			<td style="vertical-align:top;width:16.2%;">&#160;</td>
			<td style="vertical-align:top;width:4.6%;">&#160;</td>
		</tr>
		<tr>
			<td style="vertical-align:top;width:23.1%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">January 17, 2025</div>
			</td>
			<td style="vertical-align:top;width:2.3%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">By:&#160;</div>
			</td>
			<td style="border-bottom:solid 1px #000000;vertical-align:top;width:16.2%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">/s/ David Lowery</div>
			</td>
			<td style="vertical-align:top;width:4.6%;">&#160;</td>
		</tr>
		<tr>
			<td style="vertical-align:top;width:23.1%;">&#160;</td>
			<td style="vertical-align:top;width:2.3%;">&#160;</td>
			<td style="vertical-align:top;width:16.2%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">David Lowery</div>
			</td>
			<td style="vertical-align:top;width:4.6%;">&#160;</td>
		</tr>
		<tr>
			<td style="vertical-align:top;width:23.1%;">&#160;</td>
			<td style="vertical-align:top;width:2.3%;">&#160;</td>
			<td style="vertical-align:top;width:16.2%;">
			<div style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Chief Executive Officer</div>
			</td>
			<td style="vertical-align:top;width:4.6%;">&#160;</td>
		</tr>

</tbody></table>

<div style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#160;</div>

<div class="LAST-PAGE-BREAK">
<div class="PGFTR">
<div class="hf-row">
<div class="hf-cell PGNUM">&#160;</div>
</div>
</div>
</div>


</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>ex_767430.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
<html><head>
	<title>ex_767430.htm</title>

	<!-- Generated by ThunderDome Portal - 1/18/2025 1:08:36 AM --><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="margin: 0px 0pt; text-align: right; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 10pt"><b>Exhibit 10.1</b></font></p>

<div contenteditable="false" data-applyto="t" data-auto-pgnum="start" data-displaynum="1" data-fontname="Times New Roman" data-fontsize="10pt" data-numstyle="a" data-prefix="" data-startnum="1" data-suffix="" data-textalign="center">&nbsp;</div>

<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: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="2" style="vertical-align: top; width: 70%; 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;">AGREEMENT BY AND BETWEEN</p>
			</td>
			<td style="vertical-align: top; width: 15%; 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 style="vertical-align: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="2" style="vertical-align: top; width: 70%; 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;">Patriot Bank, National Association</p>
			</td>
			<td style="vertical-align: top; width: 15%; 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 style="vertical-align: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="2" style="vertical-align: top; width: 70%; 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;">Stamford, Connecticut</p>
			</td>
			<td style="vertical-align: top; width: 15%; 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 style="vertical-align: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="2" rowspan="1" style="vertical-align: top; width: 70%; 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; text-align: center;">and</p>
			</td>
			<td style="vertical-align: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: right;">AA-NE-2025-05</td>
		</tr>
		<tr style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">
			<td style="vertical-align: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</td>
			<td colspan="2" style="vertical-align: top; width: 70%; 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;">The Office of the Comptroller of the Currency</p>
			</td>
			<td style="vertical-align: top; width: 15%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</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;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;">Patriot Bank, National Association, Stamford, Connecticut (&#8220;Bank&#8221;) and the Office of the Comptroller of the Currency (&#8220;OCC&#8221;) wish to assure the safety and soundness of the Bank and its compliance with laws and regulations.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;">The Comptroller of the Currency (&#8220;Comptroller&#8221;) has found unsafe or unsound practices, and violations of law, rule, or regulation, including those relating to strategic planning, capital planning, Bank Secrecy Act/Anti-Money Laundering (&#8220;BSA/AML&#8221;) risk management, payment activities oversight, credit administration, and concentrations risk management.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;">Therefore, the OCC, through the duly authorized representative of the Comptroller, and the Bank, through its duly elected and acting Board of Directors (&#8220;Board&#8221;), hereby agree that the Bank shall operate at all times in compliance with the following:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;">&nbsp;</p>

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

<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><u>JURISDICTION</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp; The Bank is an &#8220;insured depository institution&#8221; as that term is defined in 12&nbsp;U.S.C. &#167;&nbsp;1813(c)(2).</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The Bank is a national banking association within the meaning of 12&nbsp;U.S.C. &#167;&nbsp;1813(q)(1)(A), and is chartered and examined by the OCC. <i>See</i> 12&nbsp;U.S.C. &#167;&nbsp;1&nbsp;<i>et seq.</i></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;The OCC is the &#8220;appropriate Federal banking agency&#8221; as that term is defined in 12&nbsp;U.S.C. &#167;&nbsp;1813(q).</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" data-number="1" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">1</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:center;margin:0pt;"><b>ARTICLE II</b></p>

<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><u>COMPLIANCE COMMITTEE</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;By January 31, 2025, the Board shall appoint a Compliance Committee of at least three (3) members of which a majority shall be directors who are not employees or officers of the Bank or any of its subsidiaries or affiliates. The Board shall submit in writing to the Assistant Deputy Comptroller the names of the members of the Compliance Committee within ten (10) days of their appointment. In the event of a change of the membership, the Board shall submit in writing to the Assistant Deputy Comptroller within ten (10) days the name of any new or resigning committee member. The Compliance Committee shall monitor and oversee the Bank&#8217;s compliance with the provisions of this Agreement. The Compliance Committee shall meet at least quarterly and maintain minutes of its meetings.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days of the date of this Agreement, and thereafter within thirty (30) days after the end of each quarter, the Compliance Committee shall submit to the Board a written progress report setting forth in detail:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a description of the corrective actions needed to achieve compliance with each Article of this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the specific corrective actions undertaken to comply with each Article of this Agreement; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the results and status of the corrective actions.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Upon receiving each written progress report, the Board shall forward a copy of the report, with any additional comments by the Board, to the Assistant Deputy Comptroller within fifteen (15) days of the first Board meeting following the Board&#8217;s receipt of such report.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<div class="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div class="PGNUM" data-number="2" data-prefix="" data-suffix="" style="text-align: center; width: 100%; font-size: 10pt; font-family: Times New Roman;">2</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>

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

<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><u>STRATEGIC PLAN</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, the Board shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written strategic plan for the Bank, covering at least a three-year period (&#8220;Strategic Plan&#8221;). The Strategic Plan shall establish objectives for the Bank&#8217;s overall risk profile, earnings performance, growth, balance sheet mix, off-balance sheet activities, liability structure, capital and liquidity adequacy, product line development, and market segments that the Bank intends to promote or develop, together with strategies to achieve those objectives, and shall include, at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a mission statement that forms the framework for the establishment of strategic goals and objectives;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the strategic goals and objectives to be accomplished, including key financial indicators, risk tolerances, and realistic strategies to improve the overall condition of the Bank;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a risk profile that evaluates credit, interest rate, liquidity, price, operational, compliance, strategic, and reputation risks in relationship to capital;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an assessment of the Bank&#8217;s strengths, weaknesses, opportunities and threats that impact its strategic goals and objectives;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an evaluation of the Bank&#8217;s internal operations, staffing requirements, board and management information systems, policies, and procedures for their adequacy and contribution to the accomplishment of the strategic goals and objectives developed under paragraph (1)(b) of this Article;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="3" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">3</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a realistic and comprehensive budget that corresponds to the Strategic Plan&#8217;s goals and objectives;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(g)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an action plan to improve and sustain the Bank&#8217;s earnings and accomplish identified strategic goals and objectives;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(h)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a financial forecast to include projections for significant balance sheet and income statement accounts and desired financial ratios over the period covered by the Strategic Plan;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a detailed description and assessment of major capital expenditures required to achieve the goals and objectives of the Strategic Plan;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(j)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an identification and prioritization of initiatives and opportunities, including timeframes that comply with the requirements of this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(k)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a description of the Bank&#8217;s target market(s), competitive factors in its identified target market(s), and controls systems to mitigate risks in the Bank&#8217;s target market(s);</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(l)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an identification and assessment of the present and planned product lines (assets and liabilities) and the identification of appropriate risk management systems to identify, measure, monitor, and control risks within the product lines;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(m)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">concentration limits commensurate with the Bank&#8217;s strategic goals and objectives and risk profile;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="4" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">4</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(n)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">assigned roles, responsibilities, and accountability for the strategic planning process; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(o)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a description of systems and metrics designed to monitor the Bank&#8217;s progress in meeting the Strategic Plan&#8217;s goals and objectives.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;If the Strategic Plan under paragraph (1) of this Article includes a proposed sale or merger of the Bank, including a transaction pursuant to 12&nbsp;U.S.C. &#167;&nbsp;215a-3, the Strategic Plan shall, at a minimum, address the steps that shall be taken and the associated timeline to effect the implementation of that alternative.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following the Board&#8217;s receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Strategic Plan or to any subsequent update or amendment to the Strategic Plan, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Strategic Plan. The Board shall review the effectiveness of the Strategic Plan and update the Strategic Plan to cover the next three-year period at least annually, and more frequently if necessary or if required by the OCC in writing. The Board shall amend the Strategic Plan as needed or directed by the OCC. Any update or amendment to the Strategic Plan must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;Until the Strategic Plan required under this Article has been submitted by the Bank for the Assistant Deputy Comptroller&#8217;s review, has received a written determination of no supervisory objection from the Assistant Deputy Comptroller, and has been adopted by the Board, the Bank shall not significantly deviate from the products, services, asset composition and size, funding sources, structure, operations, policies, procedures, and markets of the Bank that existed immediately before the effective date of this Agreement without first obtaining the Assistant Deputy Comptroller&#8217;s prior written determination of no supervisory objection to such significant deviation, except that the Bank may, within ninety (90) days of the date of this Agreement, accept a capital infusion from Patriot National Bancorp, Inc.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="5" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">5</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;The Bank may not initiate any action that significantly deviates from a Strategic Plan (that has received written determination of no supervisory objection from the Assistant Deputy Comptroller and has been adopted by the Board) without a prior written determination of no supervisory objection from the Assistant Deputy Comptroller.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(6)&nbsp;&nbsp;&nbsp;&nbsp;Any request by the Bank for prior written determination of no supervisory objection to a significant deviation described in paragraphs (4) or (5) of this Article shall be submitted in writing to the Assistant Deputy Comptroller at least thirty (30) days in advance of the proposed significant deviation. Such written request by the Bank shall include an assessment of the effects of such proposed change on the Bank&#8217;s condition and risk profile, including a profitability analysis and an evaluation of the adequacy of the Bank&#8217;s organizational structure, staffing, management information systems, internal controls, and written policies and procedures to identify, measure, monitor, and control the risks associated with the proposed change.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(7)&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of this Article, changes that may constitute a significant deviation include, but are not limited to, a change in the Bank&#8217;s markets, marketing strategies, products and services, marketing partners, underwriting practices and standards, credit administration, account management, collection strategies or operations, fee structure or pricing relative to market prices, accounting processes and practices, asset composition and size, or funding strategy, any of which, alone or in the aggregate, may have a material effect on the Bank&#8217;s operations or financial performance; or any other changes in personnel, or operations that may have a material effect on the Bank&#8217;s operations or financial performance.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="6" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">6</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(8)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days after the end of each quarter, a written evaluation of the Bank&#8217;s performance against the Strategic Plan shall be prepared by Bank management and submitted to the Board. Within thirty (30) days after submission of the evaluation, the Board shall review the evaluation and determine the corrective actions the Board will require Bank management to take to address any identified shortcomings. The Board&#8217;s review of the evaluation and discussion of any required corrective actions to address any identified shortcomings shall be documented in the Board&#8217;s meeting minutes. Within ten (10) days following completion of the Board&#8217;s review, the Board shall submit to the Assistant Deputy Comptroller a copy of the evaluation as well as a detailed description of the corrective actions the Board will require the Bank to take to address any identified shortcomings.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

<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><u>CAPITAL PLAN AND HIGHER MINIMUMS</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;The Bank shall achieve by February 28, 2025, and thereafter maintain the following minimum capital ratios as defined in 12 C.F.R. &#167; 3.10(b) and as calculated in accordance with 12 C.F.R. Part 3<sup style="vertical-align:top;line-height:120%;">1</sup>:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a common equity tier 1 capital ratio at least equal to ten percent (10.0%);</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a tier 1 capital ratio at least equal to ten percent (10.0%);</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a total capital ratio at least equal to eleven and one-half percent (11.5%); and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a leverage ratio at least equal to nine percent (9.0%);</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<hr style="text-align: left; height: 1px; color: #000000; background-color: #000000; width: 10%; border: none; margin: 3pt auto 3pt 0">
<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt;"><sup style="vertical-align:top;line-height:120%;">1</sup> For purposes of the capital conservation buffer set forth at 12 C.F.R. &#167; 3.11, the Bank&#8217;s minimum total capital ratio, minimum tier 1 capital ratio, and minimum common equity tier 1 capital ratio requirements are deemed to be those that are set forth in 12 C.F.R. &#167; 3.10.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="7" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">7</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any election to use the community bank leverage ratio (&#8220;CBLR&#8221;) framework under 12 C.F.R. &#167; 3.12, the Bank is subject to the minimum capital levels prescribed in paragraph (1) of this Article pursuant to the OCC&#8217;s authority to impose affirmative corrective actions pursuant to 12 U.S.C. &#167; 1818(b)(6). If the Bank elects to use the CBLR framework, it must demonstrate compliance with the minimum capital levels prescribed in paragraph (1) of this Article by completing Schedule RC-R to the Consolidated Reports of Condition and Income in accordance with the instructions for Banks that have not made the CBLR framework election in addition to Schedule RC-R, CBLR.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;The requirement in this Agreement to meet and maintain a specific capital level for any capital measure means that the Bank may not be deemed to be &#8220;well capitalized&#8221; for purposes of 12 U.S.C. &#167; 1831o and 12 C.F.R. Part 6, pursuant to 12 C.F.R. &#167; 6.4.<sup style="vertical-align:top;line-height:120%;">2</sup></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, the Board shall adopt an effective internal capital planning process to assess the Bank&#8217;s capital adequacy in relation to its overall risks and to ensure maintenance of appropriate capital levels. Thereafter, management shall implement, and the Board shall verify, no less than annually, adherence to the capital planning process. The capital planning process shall be consistent with safe and sound practices and ensure the integrity, objectivity, and consistency of the process through adequate governance. Refer to the &#8220;Capital and Dividends&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i>. The Board shall document the initial capital planning process and thereafter review and document the capital planning process at least annually or more frequently, if appropriate, or required by the Assistant Deputy Comptroller in writing.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<hr style="text-align: left; height: 1px; color: #000000; background-color: #000000; width: 10%; border: none; margin: 3pt auto 3pt 0">
<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt;"><sup style="vertical-align:top;line-height:120%;">2</sup> The Bank may not solicit, accept, renew, or roll over any brokered deposit (as defined in 12 C.F.R. &#167; 337.6(a)(2)) except in compliance with the applicable restrictions of 12 U.S.C. &#167; 1831f and 12 C.F.R. &#167; 337.6.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="8" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">8</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, the Board shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable revised written capital plan for the Bank, consistent with the Strategic Plan required by Article III covering at least a three-year period (&#8220;Capital Plan&#8221;). Refer to the &#8220;Capital and Dividends&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i>.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(6)&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in paragraph (7) of this Article, the Bank&#8217;s Capital Plan shall, at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">include specific plans for the achievement and maintenance of adequate capital, which shall in no event be less than the requirements of paragraph (1) of this Article;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">establish internal minimum capital ratios appropriate for the Bank&#8217;s material risks and strategic direction;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">identify and evaluate all material risks, considering both quantitative and qualitative factors, as applicable;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">determine the Bank&#8217;s capital needs in relation to material risks and strategic direction;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">provide for consideration of the results of capital stress tests;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">identify and establish a strategy to maintain capital and strengthen capital if necessary and establish a contingency or back-up capital plan commensurate with the Bank&#8217;s overall risk and complexity;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(g)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">include detailed quarterly financial projections which shall be consistent with the Strategic Plan required by Article III; and</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="9" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">9</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(h)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">include specific plans detailing how the Bank will comply with restrictions or requirements set forth in this Agreement that will have an impact on the Bank&#8217;s capital.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(7)&nbsp;&nbsp;&nbsp;&nbsp;If the Bank&#8217;s Capital Plan outlines a sale or merger of the Bank, including a transaction pursuant to 12 U.S.C. &#167; 215a-3, the Capital Plan shall, at a minimum, address the steps and the associated timeline to ensure that within ninety (90) days after the receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Capital Plan, a definitive agreement for the sale or merger is executed.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(8)&nbsp;&nbsp;&nbsp;&nbsp;The Bank may declare or pay a dividend or make a capital distribution only:</p>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">when the Bank is in compliance with its Board-approved Capital Plan and would remain in compliance with such Capital Plan immediately following the declaration or payment of any dividend or capital distribution;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">when the dividend or capital distribution would comply with 12 U.S.C. &#167;&#167;&nbsp;56, 60 and 1831o(d)(1) and 12 C.F.R. &#167;&nbsp;3.11(a)(4); and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">following the Assistant Deputy Comptroller&#8217;s prior written determination of no supervisory objection to the dividend or capital distribution.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(9)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Bank&#8217;s Capital Plan or to any subsequent amendment to the Capital Plan, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Capital Plan. The Board shall review the effectiveness of the Capital Plan at least annually, no later than January 31 each year, and more frequently if necessary or if required by the OCC in writing, and amend the Capital Plan as needed or directed by the OCC. Any amendment to the Capital Plan must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="10" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">10</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(10)&nbsp;&nbsp;&nbsp;&nbsp;At least monthly, the Board shall review financial reports and earnings analyses that evaluate the Bank&#8217;s performance against the goals and objectives established in the Capital Plan, as well as the Bank&#8217;s written explanation of significant differences between the actual and projected balance sheet, income statement, and expense accounts, including a description of any extraordinary and/or nonrecurring items. This review shall include a description of the actions the Board and management will take to address any deficiencies. At least quarterly, management shall prepare, and the Board shall review, a written evaluation of the Bank&#8217;s performance against the Capital Plan, which shall include a description of the actions the Board and management will take to address any deficiencies. The Board&#8217;s monthly reviews and quarterly written evaluations shall be documented in the Board meeting minutes. The Board shall forward a copy of these monthly reviews and quarterly written evaluations and Board meeting minutes to the Assistant Deputy Comptroller within ten (10) days of completion of its monthly reviews and quarterly written evaluations, respectively.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

<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><u>RISK GOVERNANCE </u></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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within sixty (60) days of the date of this Agreement, the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written risk management framework guiding the implementation of new, expanded, or modified products and services (&#8220;New Products and Services Program&#8221;). Refer to the &#8220;Corporate and Risk Governance&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i>. The New Products and Services Program shall include, at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">policies and procedures establishing roles and responsibilities;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="11" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">11</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">enterprise-wide standards for due diligence and documentation requirements;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a risk assessment process that considers all potential risks and their impact on the Bank&#8217;s overall risk profile, identifies appropriate controls to mitigate and reduce risks, and establishes growth projections and risk limits;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a process to ensure all relevant functional areas, including audit, compliance, accounting, information technology, and asset liability management are consulted to identify risks, concerns, and necessary controls; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a process to ensure the risk management framework is appropriately implemented for all new and recently adopted products and services, including mortgage banking and retail non-deposit investment products.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;Within sixty (60) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the New Products and Services Program or to any subsequent amendment to the New Products and Services Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the New Products and Services Program. The Board shall review the effectiveness of the New Products and Services Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the New Products and Services Program as needed or as directed by the OCC. Any amendment to the New Products and Services Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="12" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">12</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days of the date of this Agreement, the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written model risk management framework guiding the implementation and use of third-party models (&#8220;Model Risk Management Program&#8221;). Refer to the &#8220;Model Risk Management&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i>. The Model Risk Management Program shall include, at a minimum:</p>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">policies and procedures establishing roles and responsibilities;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">enterprise-wide standards for model due diligence, documentation of model workflow and limitations, support for key assumptions, and independent validation requirements based on model risk; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a centralized inventory of all models used by the business lines.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Model Risk Management Program or to any subsequent amendment to the Model Risk Management Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Model Risk Management Program. The Board shall review the effectiveness of the Model Risk Management Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Model Risk Management Program as needed or as directed by the OCC. Any amendment to the Model Risk Management Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;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" data-number="13" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">13</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:center;margin:0pt;"><b>ARTICLE VI</b></p>

<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><u>BSA/AML ACTION PLAN</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days of the date of this Agreement, the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written plan detailing the remedial actions necessary to achieve and sustain compliance with the Bank Secrecy Act (&#8220;BSA&#8221;), as amended (31 U.S.C. &#167; 5311 <i>et seq.</i>), and the regulations promulgated thereunder, and that incorporates the substantive requirements of Articles VII through XII of this Agreement (&#8220;BSA/AML Action Plan&#8221;).</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The BSA/AML Action Plan shall include at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a description of the corrective actions needed to achieve compliance with Articles VII through XII of this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">reasonable and well-supported timelines for completing the corrective actions required by of Articles VII through XII of this Agreement; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the person(s) responsible for completing the corrective actions required by Articles VII through XII of this Agreement.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the BSA/AML Action Plan or to any subsequent amendment to the BSA/AML Action Plan, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the BSA/AML Action Plan. The Board shall review the effectiveness of the BSA/AML Action Plan at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the BSA/AML Action Plan as needed or directed by the OCC.&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="14" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">14</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;In the event the Assistant Deputy Comptroller requires changes to the BSA/AML Action Plan, the Bank shall promptly incorporate the required changes into the BSA/AML Action Plan and submit the revised BSA/AML Action Plan to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;The Bank shall not take any action that will cause a significant deviation from, or material change to, the BSA/AML Action Plan that has received a written determination of no supervisory objection from the Assistant Deputy Comptroller without a prior written determination of no supervisory objection from the Assistant Deputy Comptroller.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(6)&nbsp;&nbsp;&nbsp;&nbsp;Where the Bank considers modifications to the BSA/AML Action Plan appropriate, the Bank shall submit a revised BSA/AML Action Plan containing the proposed modifications to the Assistant Deputy Comptroller for prior written determination of no supervisory objection. Upon receipt of a written determination of no supervisory objection from the Assistant Deputy Comptroller, the Board shall timely adopt the revised BSA/AML Action Plan and verify that Bank management has timely implemented all corrective actions required by this Agreement. Bank management, subject to Board review and ongoing monitoring, shall thereafter ensure adherence to the revised BSA/AML Action Plan, including the timelines set forth within the revised Action Plan.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(7)&nbsp;&nbsp;&nbsp;&nbsp;By January 31, 2025, and thereafter within thirty (30) days after the end of each quarter, the Bank shall prepare, and shall submit to the Board, a written BSA/AML Action Plan progress report setting forth in detail:</p>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the specific corrective actions undertaken to comply with each Article of this Agreement;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="15" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">15</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the results and status of the corrective actions; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a description of the outstanding corrective actions needed to achieve compliance with each Article of this Agreement and the party or parties responsible for the completion of outstanding corrective actions.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(8)&nbsp;&nbsp;&nbsp;&nbsp;The Board shall forward a copy of the report, with any additional comments by the Board, to the Assistant Deputy Comptroller within ten (10) days of the first Board meeting following the Board&#8217;s receipt of such report.</p>

<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>ARTICLE VII</b></p>

<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><u>CUSTOMER IDENTIFICATION PROGRAM</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, or as otherwise specified in the BSA/AML Action Plan which has received the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection,&nbsp;the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written customer identification program (&#8220;CIP&#8221;) to ensure appropriate collection and analysis of customer information for reloadable prepaid card accounts. The CIP shall also ensure the Bank operates in accordance with applicable law and regulations, including regulations addressing CIP requirements under 31 C.F.R. &#167; 1020.220, and be consistent with the Bank&#8217;s BSA/AML risk assessment.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The Bank&#8217;s CIP shall include, at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">procedures to ensure the Bank gathers appropriate customer information for the opening of new reloadable prepaid accounts that ensure that the required customer identification information is maintained in compliance with 31&nbsp;C.F.R. &#167;&nbsp;1020.220(a)(3);</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="16" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">16</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a policy that contains a clear statement of management&#8217;s and staff&#8217;s responsibilities, including procedures, authority, and responsibility for transaction testing of reloadable prepaid card CIP records;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a policy that ensures staff responsible for gathering CIP information for reloadable prepaid cards have sufficient authority and skills to perform their assigned responsibilities; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">procedures for identifying and timely remediating instances where required CIP information for reloadable prepaid cards is missing or incomplete.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Bank&#8217;s CIP for reloadable prepaid cards or to any subsequent amendment to the Bank&#8217;s CIP for reloadable prepaid cards, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Bank&#8217;s CIP for reloadable prepaid cards. The Board shall review the effectiveness of the Bank&#8217;s CIP for reloadable prepaid cards at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Bank&#8217;s CIP for reloadable prepaid cards as needed or directed by the OCC. Any amendment to the Bank&#8217;s CIP for reloadable prepaid cards must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</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" data-number="17" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">17</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:center;margin:0pt;"><b>ARTICLE VIII</b></p>

<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><u>PROGRAM MANAGER DUE DILIGENCE AND MONITORING</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, or as otherwise specified in the BSA/AML Action Plan which has received the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection,&nbsp;the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written plan designed to ensure the BSA/AML risks associated with providing prepaid card products through third-party program managers are identified, managed, and controlled and are consistent with safe and sound risk management practices (&#8220;Program Manager Due Diligence and Monitoring Plan&#8221;). The Program Manager Due Diligence and Monitoring Plan shall include procedures, at a minimum, to ensure that:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the program manager has registered with FinCEN, if applicable, and has complied with all state and local licensing requirements;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">risk assessments for all proposed program managers and periodic risk assessments for existing program managers are performed to determine whether further due diligence is necessary;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">ongoing monitoring and testing of program managers is formally documented and sufficiently comprehensive to ensure appropriate review of new and existing cardholder accounts, BSA and fraud alerts, sanctions, and other relevant areas;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the BSA Department has adequate staffing, in number and expertise, to complete monthly, quarterly, and annual ongoing monitoring reviews in a timely manner and in accordance with Bank policy;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="18" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">18</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">Bank management obtains from program managers, and reports to the Board as applicable, granular metrics related to prepaid card activities sufficient to inform the Board of inherent BSA/AML risks, including, at a minimum, alert closures, cases, new cardholder accounts, and sanctions activities;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the Bank performs appropriate risk-based due diligence for program managers, to include at a minimum:</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">periodic risk-based on-site visits;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(ii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a review, at least annually, but more frequently if appropriate, of the program manager&#8217;s BSA/AML program and a copy of its most recent independent BSA/AML audit report demonstrating that the audit performed transactional testing; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a review and assessment, at least annually, but more frequently if appropriate, of how the program manager&#8217;s operating accounts are segregated to avoid commingling of lines of business and high-risk activities and to allow transparency to properly monitor accounts; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(g)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the Bank has policies and procedures that trigger the review and written determination of whether to close any program manager account exhibiting certain levels of concern or risk for money laundering or terrorist financing, e.g., too many SARs, lack of transparency, or failure to provide requested information.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="19" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">19</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Program Manager Due Diligence and Monitoring Plan or to any subsequent amendment to the Program Manager Due Diligence and Monitoring Plan, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Program Manager Due Diligence and Monitoring Plan. The Board shall review the effectiveness of the Program Manager Due Diligence and Monitoring Plan at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Program Manager Due Diligence and Monitoring Plan as needed or directed by the OCC. Any amendment to the Program Manager Due Diligence and Monitoring Plan must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

<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><u>SUSPICIOUS ACTIVITY IDENTIFICATION, EVALUATION, AND REPORTING</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, or as otherwise specified in the BSA/AML Action Plan which has received the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection,&nbsp;the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written suspicious activity monitoring and reporting program to ensure the timely and appropriate identification, review, and disposition of unusual activity, and the filing of SARs consistent with 12 C.F.R. &#167; 21.11 (&#8220;Suspicious Activity Review Program&#8221;).</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="20" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">20</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The Bank&#8217;s Suspicious Activity Review Program shall include, at a minimum:</p>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">procedures for identifying, evaluating, and reporting suspicious activity, known or suspected violations of Federal law, violations of the BSA, terrorist financing and other illicit financial activity, suspicious transactions related to potential money laundering activity, and suspicious activity related to potential fraud, including suspicious activity relating to the opening of new accounts, the monitoring of current accounts, and transactions through the Bank;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">procedures to ensure adherence to ongoing monitoring requirements for prepaid cards fraud related activities and ensure timely review, investigation, and SAR filings, as applicable;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">requirements for BSA Department staff to consider appropriate customer due diligence (&#8220;CDD&#8221;) information when reviewing fraud alerts and investigations of prepaid access activities;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">procedures to ensure staff responsible for reviewing fraud alerts and investigations of prepaid access activities have sufficient authority and skills to perform their assigned responsibilities; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">procedures to ensure complete and accurate reporting to senior management and the Board regarding suspected fraud in the prepaid card business and any related SAR filings.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Bank&#8217;s Suspicious Activity Review Program or to any subsequent amendment to the Bank&#8217;s Suspicious Activity Review Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Bank&#8217;s Suspicious Activity Review Program. The Board shall review the effectiveness of the Bank&#8217;s Suspicious Activity Review Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Bank&#8217;s Suspicious Activity Review Program as needed or directed by the OCC. Any amendment to the Bank&#8217;s Suspicious Activity Review Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="21" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">21</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:center;margin:0pt;"><b>ARTICLE X</b></p>

<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><u>SUSPICIOUS ACTIVITY REVIEW LOOK-BACK</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within ninety (90) days of the date of this Agreement, or as otherwise specified in the BSA/AML Action Plan which has received the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection, the Bank shall conduct a review and provide a written report of the Bank&#8217;s fraud suspicious activity monitoring (&#8220;SAR Look-Back&#8221;).</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The purpose of the SAR Look-Back is to determine whether SARs should be filed for any previously unreported suspicious activity related to potential fraud, including cases in which the program manager identified suspicious activity but failed to adequately support a decision not to file a SAR, and to review the quality and accuracy of previous SAR filings to determine whether corrections or amendments are necessary to ensure that the suspicious activity identified was accurately reported in accordance with 12 C.F.R. &#167; 21.11.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;The scope of the SAR Look-Back shall include a review of all fraud alerts generated by prepaid card program managers, over the twelve-month period from December 31, 2022, through December 31, 2023.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days of completion of the SAR Look-Back, the Bank shall provide the Board with a written report that addresses:</p>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the analytical techniques, tools, methodologies, factors, and other considerations used in conducting the SAR Look-Back;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="22" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">22</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the process used for investigating customers, accounts, and transactions in connection with fraud alerts;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the number and types of customers, accounts, and transactions reviewed;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a list of the customers, accounts, and transactions that the Bank concluded require additional investigation;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a list of any SARs that the Bank determined should be filed for any previously unreported suspicious activity;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a list of existing SARs that the Bank determined should be corrected or amended; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(g)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">any other corrective actions taken.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;When providing the written report to the Board, the Bank shall, at the same time, provide a copy of the written report of the findings and recommendations from the SAR Look-Back to the Assistant Deputy Comptroller. All supporting materials and work papers associated with the SAR Look-Back shall be made available to the OCC upon written request.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(6)&nbsp;&nbsp;&nbsp;&nbsp;Based upon the results of the SAR Look-Back, the OCC, at its sole discretion, may expand the scope of the SAR Look-Back, either in terms of the subjects to be addressed, or the time period(s) to be covered, or both (&#8220;Supplemental SAR Look-Back&#8221;). The Supplemental SAR Look-Back shall be carried out in a manner consistent with other requirements of this Article.</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" data-number="23" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">23</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:center;margin:0pt;"><b>ARTICLE XI</b></p>

<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><u>BSA/AML RISK ASSESSMENT</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within sixty (60) days of the date of this Agreement, or as otherwise specified in the BSA/AML Action Plan which has received the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection,&nbsp;the Bank shall develop a written institution-wide BSA/AML Risk Assessment. The BSA/AML Risk Assessment shall reflect a comprehensive analysis of the Bank&#8217;s money laundering, terrorist financing, and other illicit financial activity risks and provide strategies to control those risks and limit any identified vulnerabilities.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The BSA/AML Risk Assessment methodology shall include, at a minimum:</p>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the identification of specific risk categories, including at a minimum:</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">products and services offered;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(ii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">customer type and entities served;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">transaction types; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iv)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">countries or geographic locations of customers and transactions;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a detailed analysis of all pertinent data obtained regarding the specific risk categories, including at a minimum:</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">volumes, trends, and types of transactions and services by country or geographic location;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(ii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">numbers of customers that typically pose higher BSA/AML risk, both by type of risk and by geographic location; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an evaluation of all relevant information obtained through the Bank&#8217;s processes, including the Bank&#8217;s CIP and CDD processes;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="24" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">24</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an assessment of BSA/AML risk both separately within the Bank&#8217;s business lines and on a consolidated basis across all Bank activities and product lines;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an assessment of affiliate relationships and shared services to identify and analyze their impact on the Bank&#8217;s BSA/AML risk profile;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a provision requiring maintenance of appropriate documentation of data and information used to support the Bank&#8217;s BSA/AML Risk Assessment&#8217;s conclusions (with supporting documentation readily accessible for third-party review); and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an inventory of internal controls designed to address the risks identified through the BSA/AML Risk Assessment and an assessment of the adequacy of those controls that incorporates findings from regulatory examinations, second-line testing, and audit reviews.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;The BSA/AML Risk Assessment shall be re-evaluated and/or refreshed by Bank management periodically, the timeframe for which shall not exceed twelve months, or whenever there is a significant change in BSA/AML risk within the Bank or the lines of businesses within the Bank.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;The Board shall review and approve the BSA/AML Risk Assessment and any subsequent updates and document its review in the Board minutes.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;The Bank shall conduct annual independent testing of the Bank&#8217;s BSA/AML Risk Assessment and methodology that concludes on the accuracy and completeness of the BSA/AML Risk Assessment and the reasonableness of the chosen methodology and approach. A written report of this review shall be submitted to the Assistant Deputy Comptroller within thirty (30) days of completion.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="25" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">25</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:center;margin:0pt;"><b>ARTICLE XII</b></p>

<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><u>BSA OFFICER, STAFFING, AND TRAINING</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within sixty (60) days of the date of this Agreement, or as otherwise specified in the BSA/AML Action Plan which has received the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection,&nbsp;the Board shall ensure the Bank maintains, at all times, a qualified BSA Officer vested with sufficient independence, authority, and resources to fulfill the duties and responsibilities of the position and ensure compliance with the requirements of the BSA and its implementing regulations. The BSA Officer shall provide timely and accurate periodic reporting to the Board and senior management about the status of the Bank&#8217;s BSA/AML program governing prepaid cards, including compliance with the BSA and this Agreement, including the BSA/AML Action Plan.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;In the event that the Bank&#8217;s BSA Officer position is vacated, the Board shall promptly appoint a new BSA Officer. Prior to appointing a new BSA Officer, the Board shall submit to the Assistant Deputy Comptroller the following information for a prior written determination of no supervisory objection to appoint the individual as BSA Officer:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the information sought in the &#8220;Changes in Directors and Senior Executive Officers&#8221;&nbsp;and &#8220;Background Investigations&#8221;&nbsp;booklets of the <i>Comptroller</i>&#8217;<i>s Licensing Manual</i>, together with a legible fingerprint card for the proposed BSA Officer;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a written statement of the Board&#8217;s reasons for selecting the proposed BSA Officer; and</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="26" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">26</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a written description of the proposed BSA Officer&#8217;s duties and responsibilities.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;The Assistant Deputy Comptroller shall have the power to not provide a prior written determination of no supervisory objection to any proposed BSA Officer. However, a prior written determination of no supervisory objection to the proposed individual shall not constitute an approval or endorsement of the proposed individual. In addition, the requirement to submit information and the prior written no supervisory objection provisions of this paragraph are based on the authority of 12 U.S.C. &#167; 1818(b)(6)(E) and do not require the Assistant Deputy Comptroller to complete the review and act on any such information within ninety (90) days.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;The Board shall ensure the Bank has sufficient staff with appropriate skills and expertise needed to support the BSA Officer and the Bank&#8217;s BSA/AML program governing prepaid cards, and that such staff is vested with sufficient authority to fulfill their respective duties and responsibilities.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;The Board shall ensure the BSA Officer develops and implements an appropriate BSA/AML training program for the Board, senior management, and BSA Department staff. The BSA/AML training program shall be tailored to each individual&#8217;s job-specific duties and responsibilities. Training for BSA Department staff shall specifically cover prepaid card activities and risks, and training for the Board and senior management must also include an overview of money laundering risks inherent in the prepaid card business and be sufficient to enable the Board to provide adequate oversight of the BSA/AML program governing prepaid cards.</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" data-number="27" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">27</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:center;margin:0pt;"><b>ARTICLE XIII</b></p>

<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><u>PAYMENT ACTIVITIES OVERSIGHT</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within sixty (60) days of the date of this Agreement,&nbsp;the Bank shall submit to the Assistant Deputy Comptroller, for review and prior written determination of no supervisory objection, an acceptable written Payment Activities Oversight Program, to manage the various risks, including BSA/AML risks, involved in processing ACH and wire transfers. The Payment Activities Oversight Program shall be appropriately tailored to the Bank&#8217;s risk profile, operations, and lines of business that engage in ACH and wire transfers.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The Payment Activities Oversight Program shall include, at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">parameters, rules, or other factors selected for ACH and wire transfer monitoring that address all relevant considerations, including the risks presented by the originators, beneficiaries, and any counterparties to the transactions;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">effective processes to identify and document ACH and wire activity that reflects higher than normal risk, or activity that is suspicious, unreasonable or abnormal;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">appropriate reporting to the Board, including trends in ACH and wire volume over a defined period of time, transactions by client type, number of originators, return rates for the Bank as a whole, level of risk of originators, any high-risk originators, and any Nacha rules violations;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="28" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">28</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">an appropriate enterprise risk management framework, including elevated monitoring of risks stemming from payments activities and the establishment of key performance indicators and key risk indicators for monitoring operational risks from ACH and wire transactions;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">effective processes to ensure internal audit coverage of the prepaid card business is comprehensive and includes sufficient review and testing of risks and related controls, including but not limited to BSA/AML, compliance, and operations risk; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">sufficient management information and metrics to measure, manage, adjust and optimize the Payment Activities Oversight Program&#8217;s monitoring system.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Payment Activities Oversight Program, or to any subsequent amendment to the Payment Activities Oversight Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Payment Activities Oversight Program. The Board shall review the effectiveness of the Payment Activities Oversight Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Payment Activities Oversight Program as needed or directed by the OCC. Any amendment to the Payment Activities Oversight Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;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" data-number="29" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">29</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:center;margin:0pt;"><b>ARTICLE XIV</b></p>

<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><u>CREDIT ADMINISTRATION</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days of the date of this Agreement, the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written credit administration program (&#8220;Credit Administration Program&#8221;) designed to ensure the Bank obtains and analyzes credit and collateral information sufficient to identify, monitor, and report the Bank&#8217;s credit risk, properly account for loans, and assign accurate risk ratings in a timely manner. The Credit Administration Program shall be consistent with safe and sound banking practices.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The Credit Administration Program shall, at a minimum, include:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">standards for the development of effective problem loan reports, including, at a minimum, meaningful workout strategies, action plans and target dates, exit strategies, updated financial analysis of borrowers and guarantors, upgrade/downgrade triggers, and benchmarks and milestones;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">oversight and control processes to ensure adherence to policy requirements for problem loan reports;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">specific assignment of responsibility and accountability over the credit administration process to ensure the Credit Administration Program developed pursuant to this Article is effectively implemented;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the Bank must review the experience level of credit staff, on an annual basis, to ensure employees have the requisite knowledge to perform their duties, and must implement a plan to hire additional staff and/or provide periodic training where staffing or knowledge gaps exist, including with respect to staff in the Special Assets function;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="30" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">30</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">guidance regarding the approach and methodology for risk-based reviews of commercial lending relationships to support or revise current risk ratings, which shall be conducted on at least an annual basis for lending relationships over $500,000, as well as minimum standards for completing financial, credit, and collateral analysis commensurate with the Bank&#8217;s commercial loan products; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">management information systems and reports that generate timely, relevant, and meaningful information for the Board and senior management to assess progress in meeting annual review objectives and targets established in the Bank&#8217;s loan policy, which shall, at a minimum, include:</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">annual review targets, completion progress, trends, and key performance statistics to determine if objectives are met; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(ii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a summary report with key critical information to be included as part of the standard Board package.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Credit Administration Program or to any subsequent amendment to the Credit Administration Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Credit Administration Program. The Board shall review the effectiveness of the Credit Administration Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Credit Administration Program as needed or directed by the OCC. Any amendment to the Credit Administration Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</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" data-number="31" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">31</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:center;margin:0pt;"><b>ARTICLE XV</b></p>

<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><u>CONCENTRATIONS OF CREDIT</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within sixty (60) days of the date of this Agreement, the Bank shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written Concentration Risk Management Program (&#8220;Concentration Program&#8221;). Refer to the &#8220;Concentrations of Credit&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i>.&nbsp;For purposes of this Article, a concentration of credit is as defined in the &#8220;Concentrations of Credit&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i>.&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;The Concentration Program shall include, at a minimum:&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">identification of the Bank&#8217;s known and potential concentrations of credit including, but not limited to, the Bank&#8217;s concentration in commercial real estate credits;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a written analysis of all concentrations of credit that identifies and assesses inherent credit, liquidity, and interest rate risks and considers the impact of concentration levels on overall growth plans, financial targets, portfolio stress tests, and capital plan objectives;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the establishment of safe and sound, formal limits and sub-limits for all concentrations of credit based on a percentage of Tier 1 capital plus the allowance for credit losses, stratified by loan type, industry, locality of the borrower and/or collateral, and other meaningful measures, that align with strategic plans and objectives;&nbsp;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="32" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">32</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">standards for development and implementation of action plans, approved by the Board, to reduce concentrations to conform to the established limits set in subparagraph (c) of this Article, including strategies and procedures when concentrations approach or exceed Board-approved limits;&nbsp;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">management information systems that ensure timely and accurate reporting of concentrations to management and the Board, including concentration reports that stratify the loan portfolio by type, industry, locality, and other meaningful measures; portfolio credit quality metrics and performance metrics; market analyses for the Bank&#8217;s significant loan portfolios, asset classes, and geographic markets; and procedures for monitoring concentration reports monthly based upon total committed amounts relative to Board-approved limits;&nbsp;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">annual re-evaluation and approval of concentration limits by the Board, and a Board policy that requires detailed analysis and written support of any proposed changes demonstrating the credit or interest rate risk that will result from the change; and&nbsp;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(g)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a detailed contingency plan to reduce concentration risk in the event of adverse market conditions, including reasonable action plans.&nbsp;</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Concentration Program or to any subsequent amendment to the Concentration Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Concentration Program.&nbsp;The Board shall review the effectiveness of the Concentration Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Concentration Program as needed or directed by the OCC.&#8239;Any amendment to the Concentration Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;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" data-number="33" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">33</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:center;margin:0pt;"><b>ARTICLE XVI</b></p>

<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><u>LIQUIDITY RISK MANAGEMENT</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;Within forty-five (45) days of the date of this Agreement, the Board shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable written Liquidity Risk Management Program (&#8220;Liquidity Program&#8221;) for the Bank. The Liquidity Program shall provide for the identification, measurement, monitoring, and control of the Bank&#8217;s liquidity risk exposure, and shall emphasize the importance of cash flow projections, diversified funding sources, a cushion of highly liquid assets, robust liquidity stress testing scenario analyses, and a formal, well-developed contingency funding plan as primary tools for measuring and managing liquidity risk. Refer to the &#8220;Interagency Policy Statement on Funding and Liquidity Risk Management,&#8221; dated March 22, 2010 (OCC Bulletin 2010-13); the &#8220;Addendum to the Interagency Policy Statement on Funding and Liquidity Risk Management: Importance of Contingency Funding Plans,&#8221; dated July 28, 2023 (OCC Bulletin 2023-25); and the &#8220;Liquidity&#8221; booklet of the <i>Comptroller</i>&#8217;<i>s Handbook</i> for guidance.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;In addition to the general requirements set forth above, the Bank&#8217;s Liquidity Program shall, at a minimum:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">assign accountability for development, execution and oversight of liquidity risk management, including oversight by both the Board and management;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="34" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">34</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: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">identify appropriate risk limits to manage and control liquidity risk that are commensurate with the Bank&#8217;s complexity and business activities and that consider internal and external factors that could affect the Bank&#8217;s liquidity, including at a minimum:</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">minimum levels of liquid assets;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(ii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">minimum levels of committed and collateralized contingent funding sources to meet funding needs in both expected and adverse conditions, which are periodically tested to verify availability and operational capabilities;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">limits or triggers on the structure of short-term and long-term funding of the Bank&#8217;s asset base, under both normal and stressed conditions;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iv)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">limitations on funding concentrations and other strategies to ensure diversification of funding sources; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(v)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">limitations on contingent liabilities in aggregate and by individual category.</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">include a Contingency Funding Plan that incorporates, at a minimum:</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(i)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">the identification of plausible stress events relating to internal and external events or circumstances, including systemic or market events, that could lead to a Bank liquidity crisis;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(ii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">determinations of how each identified stress event will affect the Bank&#8217;s ability to obtain funding needs under different levels of severity;</p>
			</td>
		</tr>

</table>

<p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;">&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" data-number="35" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">35</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: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iii)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">a quantitative projection and evaluation of expected funding needs and funding capacity based on realistic assessments of the behaviors of funding providers during stress events; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 90pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(iv)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">provisions for management processes, reporting, and internal and external communication throughout the stress event.</p>
			</td>
		</tr>

</table>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;Within thirty (30) days following receipt of the Assistant Deputy Comptroller&#8217;s written determination of no supervisory objection to the Liquidity Program or to any subsequent amendment to the Liquidity Program, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and adhere to the Liquidity Program. The Board shall review the effectiveness of the Liquidity Program at least annually, and more frequently if necessary or if required by the OCC in writing, and amend the Liquidity Program as needed or directed by the OCC. Any amendment to the Liquidity Program must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.</p>

<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>ARTICLE XVII</b></p>

<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><u>GENERAL BOARD RESPONSIBILITIES</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;The Board shall ensure that the Bank has timely adopted and implemented all corrective actions required by this Agreement, and shall verify that the Bank adheres to the corrective actions and they are effective in addressing the Bank&#8217;s deficiencies that resulted in this Agreement.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="36" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">36</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;In each instance in which this Agreement imposes responsibilities upon the Board, it is intended to mean that the Board shall:</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">authorize, direct, and adopt corrective actions on behalf of the Bank as may be necessary to perform the obligations and undertakings imposed on the Board by this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">ensure that the Bank has sufficient processes, management, personnel, control systems, and corporate and risk governance to implement and adhere to all provisions of this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">require that Bank management and personnel have sufficient training and authority to execute their duties and responsibilities pertaining to or resulting from this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(d)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">hold Bank management and personnel accountable for executing their duties and responsibilities pertaining to or resulting from this Agreement;</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(e)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">require appropriate, adequate, and timely reporting to the Board by Bank management of corrective actions directed by the Board to be taken under the terms of this Agreement; and</p>
			</td>
		</tr>

</table>

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

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

		<tr style="vertical-align: top;">
			<td style="width: 63pt;">&nbsp;</td>
			<td style="width: 27pt;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">(f)</p>
			</td>
			<td style="width: auto;">
			<p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">address any noncompliance with corrective actions in a timely and appropriate manner.</p>
			</td>
		</tr>

</table>

<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>ARTICLE XVIII</b></p>

<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><u>OTHER PROVISIONS</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;As a result of this Agreement, pursuant to 12&nbsp;C.F.R. &#167;&nbsp;5.51(c)(7)(ii), the Bank is in &#8220;troubled condition,&#8221; and is not an &#8220;eligible bank&#8221; for purposes of 12&nbsp;C.F.R. &#167;&nbsp;5.3 or 12&nbsp;C.F.R. &#167;&nbsp;24.2(e), unless otherwise informed in writing by the OCC.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement supersedes all prior OCC communications issued pursuant to 12&nbsp;C.F.R. &#167;&#167;&nbsp;5.3, 5.51(c)(7)(ii), and 24.2(e)(4).</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="37" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">37</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:center;margin:0pt;"><b>ARTICLE XIX</b></p>

<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><u>CLOSING</u></b></p>

<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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(1)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement is intended to be, and shall be construed to be, a &#8220;written agreement&#8221; within the meaning of 12&nbsp;U.S.C. &#167;&nbsp;1818, and expressly does not form, and may not be construed to form, a contract binding on the United States, the OCC, or any officer, employee, or agent of the OCC. Notwithstanding the absence of mutuality of obligation, or of consideration, or of a contract, the OCC may enforce any of the commitments or obligations herein undertaken by the Bank under its supervisory powers, including 12&nbsp;U.S.C. &#167;&nbsp;1818(b)(1), and not as a matter of contract law. The Bank expressly acknowledges that neither the Bank nor the OCC has any intention to enter into a contract. The Bank also expressly acknowledges that no officer, employee, or agent of the OCC has statutory or other authority to bind the United States, the U.S. Treasury Department, the OCC, or any other federal bank regulatory agency or entity, or any officer, employee, or agent of any of those entities to a contract affecting the OCC&#8217;s exercise of its supervisory responsibilities.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(2)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement is effective upon its issuance by the OCC, through the Comptroller&#8217;s duly authorized representative. Except as otherwise expressly provided herein, all references to &#8220;days&#8221; in this Agreement shall mean calendar days and the computation of any period of time imposed by this Agreement shall not include the date of the act or event that commences the period of time.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&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" data-number="38" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">38</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;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(3)&nbsp;&nbsp;&nbsp;&nbsp;The provisions of this Agreement shall remain effective and enforceable except to the extent that, and until such time as, such provisions are amended, suspended, waived, or terminated in writing by the OCC, through the Comptroller&#8217;s duly authorized representative. If the Bank seeks an extension, amendment, suspension, waiver, or termination of any provision of this Agreement, the Board or a Board-designee shall submit a written request to the Assistant Deputy Comptroller asking for the desired relief. Any request submitted pursuant to this paragraph shall include a statement setting forth in detail the special circumstances that warrant the desired relief or prevent the Bank from complying with the relevant provision(s) of the Agreement, and shall be accompanied by relevant supporting documentation. The OCC&#8217;s decision concerning a request submitted pursuant to this paragraph, which will be communicated to the Board in writing, is final and not subject to further review.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(4)&nbsp;&nbsp;&nbsp;&nbsp;The Bank will not be deemed to be in compliance with this Agreement until it has adopted, implemented, and adhered to all of the corrective actions set forth in each Article of this Agreement; the corrective actions are effective in addressing the Bank&#8217;s deficiencies; and the OCC has verified and validated the corrective actions. An assessment of the effectiveness of the corrective actions requires sufficient passage of time to demonstrate the sustained effectiveness of the corrective actions.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(5)&nbsp;&nbsp;&nbsp;&nbsp;Each citation, issuance, or guidance referenced in this Agreement includes any subsequent citation, issuance, or guidance that replaces, supersedes, amends, or revises the referenced cited citation, issuance, or guidance.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(6)&nbsp;&nbsp;&nbsp;&nbsp;No separate promise or inducement of any kind has been made by the OCC, or by its officers, employees, or agents, to cause or induce the Bank to enter into this Agreement.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(7)&nbsp;&nbsp;&nbsp;&nbsp;All reports, plans, or programs submitted to the OCC pursuant to this Agreement shall be forwarded via email to the Assistant Deputy Comptroller.</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin: 0pt 0pt 0pt 0pt;text-indent:36pt;">(8)&nbsp;&nbsp;&nbsp;&nbsp;The terms of this Agreement, including this paragraph, are not subject to amendment or modification by any extraneous expression, prior agreements, or prior arrangements between the parties, whether oral or written.</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" data-number="39" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">39</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;margin:0pt;">IN TESTIMONY WHEREOF, the undersigned, authorized by the Comptroller as his duly authorized representative, has hereunto set his signature on behalf of the Comptroller.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;">&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;">&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>
			<td style="vertical-align: top; width: 60%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);">&nbsp;</td>
			<td style="vertical-align: top; width: 40%; 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 style="vertical-align: top; width: 60%; 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 0pt 0pt 9pt;">Daniel Kelly</p>

			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Assistant Deputy Comptroller</p>

			<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">New York Office</p>
			</td>
			<td style="vertical-align: top; width: 40%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;">&nbsp;</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;">&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;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">IN TESTIMONY WHEREOF, the undersigned, as the duly elected and acting Board of Directors of Patriot Bank, National Association, Stamford, Connecticut, have hereunto set their signatures on behalf of the Bank.</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>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:54pt;">&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="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Michael Carrazza</p>
			</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Date</p>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Edward Constantino</p>
			</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Date</p>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Grace Doherty</p>
			</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Date</p>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">David Lowery</p>
			</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Date</p>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Emile Van den Bol</p>
			</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Date</p>
			</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 60%;">&nbsp;</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="border-bottom: 1px solid rgb(0, 0, 0); vertical-align: top; width: 30%;">&nbsp;</td>
		</tr>
		<tr>
			<td style="vertical-align: top; width: 60%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Michael Weinbaum</p>
			</td>
			<td style="vertical-align: top; width: 10%;">&nbsp;</td>
			<td style="vertical-align: top; width: 30%;">
			<p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Date</p>
			</td>
		</tr>

</table>

<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" data-number="40" data-prefix="" data-suffix="" style="text-align: center; font-size: 10pt; font-family: Times New Roman;">40</div>
</div>
</div>
</div>


</body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>pnbk-20250114.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome Portal - 1/17/2025 11:51:08 PM-->
<xsd:schema xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:stpr="http://xbrl.sec.gov/stpr/2023" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:country="http://xbrl.sec.gov/country/2023" xmlns:sic="http://xbrl.sec.gov/sic/2023" xmlns:currency="http://xbrl.sec.gov/currency/2023" xmlns:exch="http://xbrl.sec.gov/exch/2023" xmlns:pnbk="http://www.pnbk.com/20250114" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.pnbk.com/20250114">
<xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
<xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
<xsd:import namespace="http://xbrl.sec.gov/stpr/2023" schemaLocation="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd"/>
<xsd:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
<xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
<xsd:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
<xsd:import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd"/>
<xsd:import namespace="http://xbrl.sec.gov/sic/2023" schemaLocation="https://xbrl.sec.gov/sic/2023/sic-2023.xsd"/>
<xsd:import namespace="http://xbrl.sec.gov/currency/2023" schemaLocation="https://xbrl.sec.gov/currency/2023/currency-2023.xsd"/>
<xsd:import namespace="http://xbrl.sec.gov/exch/2023" schemaLocation="https://xbrl.sec.gov/exch/2023/exch-2023.xsd"/>

<xsd:annotation>
<xsd:appinfo>
<link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="pnbk-20250114_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
<link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="pnbk-20250114_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
<link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="pnbk-20250114_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
<link:roleType id="statement-document-and-entity-information" roleURI="http://www.pnbk.com/20250114/role/statement-document-and-entity-information">
<link:definition xmlns="http://www.xbrl.org/2003/linkbase">000 - Document - Document And Entity Information</link:definition>
<link:usedOn>link:calculationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:presentationLink</link:usedOn>
</link:roleType>
</xsd:appinfo>
</xsd:annotation>
<xsd:element abstract="true" id="pnbk_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>4
<FILENAME>pnbk-20250114_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome Portal - 1/17/2025 11:51:08 PM-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" xlink:type="simple"/>
<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" xlink:type="simple"/>
<link:roleRef roleURI="http://www.pnbk.com/20250114/role/statement-document-and-entity-information" xlink:href="pnbk-20250114.xsd#statement-document-and-entity-information" xlink:type="simple"/>
<link:definitionLink xlink:role="http://www.pnbk.com/20250114/role/statement-document-and-entity-information" xlink:type="extended">
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain-default" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
<link:definitionArc order="0" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="dei_LegalEntityAxis" xlink:to="dei_EntityDomain" xlink:type="arc"/>
<link:definitionArc order="1" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="dei_LegalEntityAxis" xlink:to="dei_EntityDomain-default" xlink:type="arc"/>

<link:definitionArc order="0" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="dei_DocumentInformationTable" xlink:to="dei_LegalEntityAxis" xlink:type="arc"/>


<link:definitionArc order="0" xbrldt:closed="true" xbrldt:contextElement="segment" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationTable" xlink:type="arc"/>
<link:definitionArc order="1" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentType" xlink:type="arc"/>
<link:definitionArc order="2" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" xlink:type="arc"/>
<link:definitionArc order="3" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityRegistrantName" xlink:type="arc"/>
<link:definitionArc order="4" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:type="arc"/>
<link:definitionArc order="5" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityFileNumber" xlink:type="arc"/>
<link:definitionArc order="6" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" xlink:type="arc"/>
<link:definitionArc order="7" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" xlink:type="arc"/>
<link:definitionArc order="8" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" xlink:type="arc"/>
<link:definitionArc order="9" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" xlink:type="arc"/>
<link:definitionArc order="10" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" xlink:type="arc"/>
<link:definitionArc order="11" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_CityAreaCode" xlink:type="arc"/>
<link:definitionArc order="12" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_LocalPhoneNumber" xlink:type="arc"/>
<link:definitionArc order="13" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_WrittenCommunications" xlink:type="arc"/>
<link:definitionArc order="14" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SolicitingMaterial" xlink:type="arc"/>
<link:definitionArc order="15" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" xlink:type="arc"/>
<link:definitionArc order="16" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:type="arc"/>
<link:definitionArc order="17" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_Security12bTitle" xlink:type="arc"/>
<link:definitionArc order="18" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_TradingSymbol" xlink:type="arc"/>
<link:definitionArc order="19" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SecurityExchangeName" xlink:type="arc"/>
<link:definitionArc order="20" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" xlink:type="arc"/>
<link:definitionArc order="21" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AmendmentFlag" xlink:type="arc"/>
<link:definitionArc order="22" xbrldt:closed="true" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCentralIndexKey" xlink:type="arc"/>

</link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>pnbk-20250114_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome Portal - 1/17/2025 11:51:08 PM-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple"/>
<link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:type="locator"/>
<link:label xlink:label="dei_EntityDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:type="locator"/>
<link:label xlink:label="dei_LegalEntityAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentInformationLineItems-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationLineItems-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentInformationTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationTable-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentType-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Type</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentPeriodEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document, Period End Date</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
<link:label xlink:label="dei_EntityRegistrantName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Registrant Name</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
<link:label xlink:label="dei_EntityIncorporationStateCountryCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Incorporation, State or Country Code</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xlink:type="locator"/>
<link:label xlink:label="dei_EntityFileNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, File Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" xlink:type="locator"/>
<link:label xlink:label="dei_EntityTaxIdentificationNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Tax Identification Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressAddressLine1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, Address Line One</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressCityOrTown-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, City or Town</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressStateOrProvince-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, State or Province</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xlink:type="locator"/>
<link:label xlink:label="dei_EntityAddressPostalZipCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Address, Postal Zip Code</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xlink:type="locator"/>
<link:label xlink:label="dei_CityAreaCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xlink:type="locator"/>
<link:label xlink:label="dei_LocalPhoneNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" xlink:type="locator"/>
<link:label xlink:label="dei_WrittenCommunications-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" xlink:type="locator"/>
<link:label xlink:label="dei_SolicitingMaterial-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" xlink:type="locator"/>
<link:label xlink:label="dei_PreCommencementTenderOffer-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:type="locator"/>
<link:label xlink:label="dei_PreCommencementIssuerTenderOffer-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" xlink:type="locator"/>
<link:label xlink:label="dei_Security12bTitle-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xlink:type="locator"/>
<link:label xlink:label="dei_TradingSymbol-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" xlink:type="locator"/>
<link:label xlink:label="dei_SecurityExchangeName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xlink:type="locator"/>
<link:label xlink:label="dei_EntityEmergingGrowthCompany-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Emerging Growth Company</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
<link:label xlink:label="dei_AmendmentFlag-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag-label" xlink:type="arc"/>

<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
<link:label xlink:label="dei_EntityCentralIndexKey-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity, Central Index Key</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey-label" xlink:type="arc"/>

</link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>pnbk-20250114_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome Portal - 1/17/2025 11:51:08 PM-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<link:roleRef roleURI="http://www.pnbk.com/20250114/role/statement-document-and-entity-information" xlink:href="pnbk-20250114.xsd#statement-document-and-entity-information" xlink:type="simple"/>
<link:presentationLink xlink:role="http://www.pnbk.com/20250114/role/statement-document-and-entity-information" xlink:type="extended">
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
<link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
<link:presentationArc order="0" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_LegalEntityAxis" xlink:to="dei_EntityDomain" xlink:type="arc"/>

<link:presentationArc order="0" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationTable" xlink:to="dei_LegalEntityAxis" xlink:type="arc"/>

<link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationLineItems" xlink:type="arc"/>
<link:presentationArc order="0" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityRegistrantName" xlink:type="arc"/>
<link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentType" xlink:type="arc"/>
<link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" xlink:type="arc"/>
<link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:type="arc"/>
<link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityFileNumber" xlink:type="arc"/>
<link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" xlink:type="arc"/>
<link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" xlink:type="arc"/>
<link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" xlink:type="arc"/>
<link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" xlink:type="arc"/>
<link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" xlink:type="arc"/>
<link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_CityAreaCode" xlink:type="arc"/>
<link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_LocalPhoneNumber" xlink:type="arc"/>
<link:presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_WrittenCommunications" xlink:type="arc"/>
<link:presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SolicitingMaterial" xlink:type="arc"/>
<link:presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" xlink:type="arc"/>
<link:presentationArc order="15" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:type="arc"/>
<link:presentationArc order="16" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_Security12bTitle" xlink:type="arc"/>
<link:presentationArc order="17" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_TradingSymbol" xlink:type="arc"/>
<link:presentationArc order="18" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SecurityExchangeName" xlink:type="arc"/>
<link:presentationArc order="19" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" xlink:type="arc"/>
<link:presentationArc order="20" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AmendmentFlag" xlink:type="arc"/>
<link:presentationArc order="21" preferredLabel="http://www.xbrl.org/2003/role/label" xbrldt:closed="true" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCentralIndexKey" xlink:type="arc"/>

</link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.4</span><table class="report" border="0" cellspacing="2" id="idm45798478179136">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Jan. 14, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity, Registrant Name</a></td>
<td class="text">PATRIOT NATIONAL BANCORP, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document, Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document, Period End Date</a></td>
<td class="text">Jan. 14,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity, Incorporation, State or Country Code</a></td>
<td class="text">CT<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity, File Number</a></td>
<td class="text">000-29599<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity, Tax Identification Number</a></td>
<td class="text">06-1559137<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity, Address, Address Line One</a></td>
<td class="text">900 Bedford Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity, Address, City or Town</a></td>
<td class="text">Stamford<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity, Address, State or Province</a></td>
<td class="text">CT<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity, Address, Postal Zip Code</a></td>
<td class="text">06901<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">252-5900<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">PNBK<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity, Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity, Central Index Key</a></td>
<td class="text">0001098146<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M; -XOI32'"_LKK;\4V+X'U!+ P04    " #KIC%:GZ ;\+$"  #B#   #0
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MOS^QO-9.&G_FB^$_7G\!4$L! A0#%     @ ZZ8Q6@=!36*!    L0   !
M             ( !     &1O8U!R;W!S+V%P<"YX;6Q02P$"% ,4    " #K
MIC%:1<K.D.X    K @  $0              @ &O    9&]C4')O<',O8V]R
M92YX;6Q02P$"% ,4    " #KIC%:F5R<(Q &  "<)P  $P
M@ ', 0  >&PO=&AE;64O=&AE;64Q+GAM;%!+ 0(4 Q0    ( .NF,5JU0E;Z
M2 0  * 0   8              " @0T(  !X;"]W;W)K<VAE971S+W-H965T
M,2YX;6Q02P$"% ,4    " #KIC%:GZ ;\+$"  #B#   #0
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:+GAM;%!+!08     "0 ) #X"  #L$P     !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
.report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

.report table.authRefData a {
	display: block;
	font-weight: bold;
}

.report table.authRefData p {
	margin-top: 0px;
}

.report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

.report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

.report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

.report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
.pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
.report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

.report hr {
	border: 1px solid #acf;
}

/* Top labels */
.report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

.report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

.report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

.report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

.report td.pl div.a {
	width: 200px;
}

.report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
.report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
.report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
.report .re, .report .reu {
	background-color: #def;
}

.report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
.report .ro, .report .rou {
	background-color: white;
}

.report .rou td {
	border-bottom: 1px solid black;
}

.report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
.report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
.report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

.report .nump {
	padding-left: 2em;
}

.report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
.report .text {
	text-align: left;
	white-space: normal;
}

.report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

.report .text .more {
	display: none;
}

.report .text .note {
	font-style: italic;
	font-weight: bold;
}

.report .text .small {
	width: 10em;
}

.report sup {
	font-style: italic;
}

.report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.24.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="pnbk20250117_8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000 - Document - Document And Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.pnbk.com/20250114/role/statement-document-and-entity-information</Role>
      <ShortName>Document And Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File>pnbk-20250114.xsd</File>
    <File>pnbk-20250114_def.xml</File>
    <File>pnbk-20250114_lab.xml</File>
    <File>pnbk-20250114_pre.xml</File>
    <File doctype="8-K" isOnlyDei="true" original="pnbk20250117_8k.htm">pnbk20250117_8k.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="22">http://xbrl.sec.gov/dei/2023</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>15
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "pnbk20250117_8k.htm": {
   "nsprefix": "pnbk",
   "nsuri": "http://www.pnbk.com/20250114",
   "dts": {
    "schema": {
     "local": [
      "pnbk-20250114.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.sec.gov/country/2023/country-2023.xsd",
      "https://xbrl.sec.gov/currency/2023/currency-2023.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd",
      "https://xbrl.sec.gov/exch/2023/exch-2023.xsd",
      "https://xbrl.sec.gov/sic/2023/sic-2023.xsd",
      "https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd"
     ]
    },
    "definitionLink": {
     "local": [
      "pnbk-20250114_def.xml"
     ]
    },
    "labelLink": {
     "local": [
      "pnbk-20250114_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "pnbk-20250114_pre.xml"
     ]
    },
    "inline": {
     "local": [
      "pnbk20250117_8k.htm"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 0,
   "axisCustom": 0,
   "memberStandard": 0,
   "memberCustom": 0,
   "hidden": {
    "total": 2,
    "http://xbrl.sec.gov/dei/2023": 2
   },
   "contextCount": 1,
   "entityCount": 1,
   "segmentCount": 0,
   "elementCount": 26,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2023": 22
   },
   "report": {
    "R1": {
     "role": "http://www.pnbk.com/20250114/role/statement-document-and-entity-information",
     "longName": "000 - Document - Document And Entity Information",
     "shortName": "Document And Entity Information",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "d20258K",
      "name": "dei:EntityRegistrantName",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "pnbk20250117_8k.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "d20258K",
      "name": "dei:EntityRegistrantName",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "pnbk20250117_8k.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentInformationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentInformationLineItems",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Information [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentInformationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentInformationTable",
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Information [Table]",
        "documentation": "Container to support the formal attachment of each official or unofficial, public or private document as part of a submission package."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document, Period End Date",
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document, Type",
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityDomain",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity [Domain]",
        "documentation": "All the names of the entities being reported upon in a document. Any legal structure used to conduct activities or to hold assets. Some examples of such structures are corporations, partnerships, limited liability companies, grantor trusts, and other trusts. This item does not include business and geographical segments which are included in the geographical or business segments domains."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, File Number",
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Incorporation, State or Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity, Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_LegalEntityAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LegalEntityAxis",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Legal Entity [Axis]",
        "documentation": "The set of legal entities associated with a report."
       }
      }
     },
     "auth_ref": []
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre-commencement Issuer Tender Offer",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre-commencement Tender Offer",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Title of 12(b) Security",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Soliciting Material",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://www.pnbk.com/20250114/role/statement-document-and-entity-information"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Written Communications",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Section": "14a",
   "Number": "240",
   "Subsection": "12"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>16
<FILENAME>0001437749-25-001434-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001437749-25-001434-xbrl.zip
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MG*LN9B(1NND)A6!Y"7?-PVY+2/##4,]9</+@.\!)9SCK(I4'FXM--@&-FT4
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M!F_$V+"/CWM?--O85M1S5"%AM/I2H>HK$W%O"7,12SF/;RM.14@#(LPI"KV
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M2Y7#TQJ-75,%-;:](:*?<?77FA7H\T>,8.!E$Y6KD%T>8M/+D.H@R$(S6+%
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M+*;8IT/3B^>GWWQ/1EQ<F6#UY=A<4=$X*0G;ER;E$A*10BLKJ'S:X_R)^EF
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MVM!<7K%J+6EW>T[Q1"+4PEDX%F+9W32KG;35S<E;.LU<\U7VZEO-:XS1^ZI
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M]:S@:F/#7>>!#:_VFZ5DKE;I-W/<O5;Y<4W?W+&MWT!@]K'<50U?PY6_K5'
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M4SP=%%P9Z\(Z.U^(&9(H,2E#>"4:?4"/D0$':FAGL?8FV.S4J<A;\GX>]Y^
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M(/"/?AI.W[YY.BK&\=O_#U!+ P04    " #KIC%:A&H:]6<#  !O#0  $0
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MA7R&\H*').,LI/PI3'56* O;:P50A'*S$CA"[ZQ(TC:P(C!("%6UL6B"-HV
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MS=5*@XDL*V6QVFXRZ\,*-&"]X!'X#=<E2KV3;G\3\TTNN:FIG]ZA8G@W@'1
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M,3$T+GAS9%!+ 0(4 Q0    ( .NF,5I]@[Y5V00  .8L   5
M  "  2A4  !P;F)K+3(P,C4P,3$T7V1E9BYX;6Q02P$"% ,4    " #KIC%:
MTF']>/D%  !$/   %0              @ $T60  <&YB:RTR,#(U,#$Q-%]L
M86(N>&UL4$L! A0#%     @ ZZ8Q6D4FD4%U!   ?BT  !4
M ( !8%\  '!N8FLM,C R-3 Q,31?<')E+GAM;%!+ 0(4 Q0    ( .NF,5KO
M($1K:QH  &:L   3              "  0AD  !P;F)K,C R-3 Q,3=?.&LN
9:'1M4$L%!@     &  8 A $  *1^      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>pnbk20250117_8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="pnbk-20250114.xsd" xlink:type="simple"/>
    <context id="d20258K">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001098146</identifier>
        </entity>
        <period>
            <startDate>2025-01-14</startDate>
            <endDate>2025-01-14</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="d20258K" id="ixv-396">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey contextRef="d20258K" id="ixv-397">0001098146</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="d20258K" id="ixv-19">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="d20258K" id="ixv-33">2025-01-14</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="d20258K" id="ixv-37">PATRIOT NATIONAL BANCORP, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="d20258K" id="ixv-46">CT</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="d20258K" id="ixv-51">000-29599</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="d20258K" id="ixv-56">06-1559137</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="d20258K" id="ixv-69">900 Bedford Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="d20258K" id="ixv-73">Stamford</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="d20258K" id="ixv-75">CT</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="d20258K" id="ixv-77">06901</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="d20258K" id="ixv-83">203</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="d20258K" id="ixv-85">252-5900</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="d20258K" id="ixv-407">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="d20258K" id="ixv-408">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="d20258K" id="ixv-409">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="d20258K" id="ixv-410">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="d20258K" id="ixv-411">Common Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="d20258K" id="ixv-412">PNBK</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="d20258K" id="ixv-413">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="d20258K" id="ixv-414">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
