<SEC-DOCUMENT>0001174947-21-000205.txt : 20210226
<SEC-HEADER>0001174947-21-000205.hdr.sgml : 20210226
<ACCEPTANCE-DATETIME>20210226090227
ACCESSION NUMBER:		0001174947-21-000205
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20210225
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210226
DATE AS OF CHANGE:		20210226

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Magyar Bancorp, Inc.
		CENTRAL INDEX KEY:			0001337068
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51726
		FILM NUMBER:		21684062

	BUSINESS ADDRESS:	
		STREET 1:		400 SOMERSET STREET
		CITY:			NEW BRUNSWICK
		STATE:			NJ
		ZIP:			08901
		BUSINESS PHONE:		732-249-2438

	MAIL ADDRESS:	
		STREET 1:		400 SOMERSET STREET
		CITY:			NEW BRUNSWICK
		STATE:			NJ
		ZIP:			08901
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k-25504_mgyr.htm
<DESCRIPTION>8-K
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>+30SECURITIES AND EXCHANGE COMMISSION</B></P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">PURSUANT TO SECTION 13 OR 15(D) OF</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">THE SECURITIES EXCHANGE ACT OF 1934</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Date of Report (Date of earliest event reported):
February 25, 2021</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Exact Name of Registrant as Specified in Charter)</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 39%; padding-right: -9pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><U>Delaware</U></FONT></TD>
    <TD STYLE="width: 24%; padding-right: -9pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><U>000-51726</U></FONT></TD>
    <TD STYLE="width: 37%; padding-right: -9pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><U>20-4154978</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">(State or Other Jurisdiction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">of Incorporation)</P></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">(Commission File No.)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; text-align: center; text-indent: 0in; font-size: 10pt"><FONT STYLE="font-size: 10pt">(I.R.S. Employer <BR>
Identification No.)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><U>400 Somerset Street, New Brunswick, New Jersey</U></FONT></TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt"><U>08901</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">(Address of Principal Executive Offices)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0">Registrant&rsquo;s telephone number, including area code: <U>(732)
342-7600</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><U>Not Applicable</U></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">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
(see General Instruction A.2. below):</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">[X]</FONT></TD>
    <TD STYLE="width: 92%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">[&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Securities registered pursuant to Section 12(b) of the Act:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; width: 36%; text-align: center"><FONT STYLE="font-size: 10pt">Common stock, $0.01 par value per share</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; width: 18%; text-align: center"><FONT STYLE="font-size: 10pt">MGYR</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; width: 44%; text-align: center"><FONT STYLE="font-size: 10pt">The Nasdaq Stock Market, LLC</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">Title of Each Class</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">Trading Symbol(s)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">Name of Each Exchange on Which Registered</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #231F20">Indicate by check mark whether the registrant is
an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of
the Securities Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0; color: #231F20; text-indent: 0">Emerging growth company [ ]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #231F20">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. [ ]</P>


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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 8.01.</B></TD><TD><B><U>Other Events</U>.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On February 25, 2021, Magyar Bancorp, MHC (the
&ldquo;MHC&rdquo;), the parent mutual holding company of Magyar Bancorp, Inc. (the &ldquo;Company&rdquo;), adopted a Plan of Conversion
and Reorganization (the &ldquo;Plan&rdquo;) pursuant to which the MHC will undertake a &ldquo;second-step&rdquo; conversion and
Magyar Bank, the Company&rsquo;s wholly owned subsidiary, will reorganize from the two-tier mutual holding company structure to
the fully-public stock holding company structure. Following the conversion and reorganization, the MHC, which currently owns a
majority of the Company&rsquo;s outstanding shares of common stock, will cease to exist, and the Company will continue to be the
stock holding company of Magyar Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Pursuant to the Plan, (i) the shares of
the Company&rsquo;s common stock held by persons other than the MHC (the shares held by the MHC will be canceled) will be
  converted into new shares of the Company&rsquo;s common stock based on an exchange ratio designed to preserve the percentage
ownership interests of such persons (excluding shares of Company common stock purchased in the stock offering described below
and cash received in lieu of issuance of fractional shares of Company common stock, and as adjusted to reflect certain assets
held by the MHC), and (ii) the Company will offer and sell shares of common stock, representing the ownership interest of
the MHC in the Company, in a subscription offering and, if necessary, in a community offering and a syndicated community
offering. The Plan establishes December 31, 2019 as the eligibility record date for determining the eligible account holders
of Magyar Bank entitled to receive first priority non-transferable subscription rights to subscribe for shares of Company
common stock in the subscription offering. The number and price of shares of Company common stock to be sold in the offering
and the exchange ratio will be based on the Company&rsquo;s pro forma market value on a fully converted basis, as determined
by an independent appraisal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Plan is subject to regulatory approval as
well as approval by the depositors of the Magyar Bank and by the Company&rsquo;s stockholders (including approval by the holders
of a majority of the outstanding shares of the Company&rsquo;s common stock held by persons other than the MHC).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The foregoing summary of the Plan is not complete
and is qualified in its entirety by reference to the complete text of the Plan, which is filed as Exhibit 2.1 to this Form 8-K
and which is incorporated herein by reference.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On February 26, 2021, the Company issued a press
release announcing the adoption of the Plan. A copy of the press release is filed as Exhibit 99.1 to this Form 8-K and is incorporated
herein by reference.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 9.01.</B></TD><TD STYLE="text-align: justify"><B><U>Financial Statements and Exhibits.</U></B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">Exhibits</TD></TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1in">&nbsp;</TD>
    <TD STYLE="text-align: justify"><U>Exhibit Number</U></TD>
    <TD STYLE="text-align: justify"><U>Exhibit</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">2.1</TD>
    <TD STYLE="text-align: justify"><A HREF="ex2-1.htm">Plan of Conversion and Reorganization of Magyar Bancorp, MHC</A></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>99.1</TD>
    <TD><A HREF="ex99-1.htm">Press Release Dated February 26, 2021</A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-indent: -1.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-indent: -1.25in">&nbsp;</P>

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


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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; width: 42%; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; width: 3%; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; width: 55%; padding-right: 0; padding-left: 0; text-align: justify"><B>MAGYAR BANCORP, INC.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">DATE: February 26, 2021</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">By:</TD>
    <TD STYLE="text-indent: 0; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; text-align: justify">/s/ John S. Fitzgerald</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; text-align: justify">John S. Fitzgerald</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0">President and Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 3in">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: right; margin: 0">Exhibit 2.1</P>

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">PLAN OF CONVERSION
AND REORGANIZATION</P>

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

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">Magyar Bancorp,
MHC</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">MAGYAR bANCORP,
inc.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">aND</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">MAGYAR bANK</P>

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


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">TABLE
OF CONTENTS</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; text-indent: 0in"><FONT STYLE="font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 91%; text-indent: 0in"><FONT STYLE="font-size: 10pt">INTRODUCTION</FONT></TD>
    <TD STYLE="width: 5%; text-indent: 0in">1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">2.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">DEFINITIONS</FONT></TD>
    <TD STYLE="text-indent: 0in">3</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">3.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">PROCEDURES FOR CONVERSION</FONT></TD>
    <TD STYLE="text-indent: 0in">9</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">4.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">HOLDING COMPANY APPLICATIONS AND APPROVALS</FONT></TD>
    <TD STYLE="text-indent: 0in">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">5.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">SALE OF COMMON STOCK</FONT></TD>
    <TD STYLE="text-indent: 0in">11</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">6.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">PURCHASE PRICE AND NUMBER OF SUBSCRIPTION SHARES</FONT></TD>
    <TD STYLE="text-indent: 0in">12</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">7.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">RETENTION OF CONVERSION PROCEEDS BY THE HOLDING COMPANY</FONT></TD>
    <TD STYLE="text-indent: 0in">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">8.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">SUBSCRIPTION RIGHTS OF ELIGIBLE ACCOUNT HOLDERS (FIRST PRIORITY)</FONT></TD>
    <TD STYLE="text-indent: 0in">13</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">9.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">SUBSCRIPTION RIGHTS OF EMPLOYEE PLANS (SECOND PRIORITY)</FONT></TD>
    <TD STYLE="text-indent: 0in">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">10.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">SUBSCRIPTION RIGHTS OF SUPPLEMENTAL ELIGIBLE ACCOUNT HOLDERS (THIRD PRIORITY)</FONT></TD>
    <TD STYLE="text-indent: 0in">14</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">11.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">SUBSCRIPTION RIGHTS OF OTHER DEPOSITORS (FOURTH PRIORITY)</FONT></TD>
    <TD STYLE="text-indent: 0in">15</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">12.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">COMMUNITY OFFERING</FONT></TD>
    <TD STYLE="text-indent: 0in">15</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">13.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">SYNDICATED COMMUNITY OFFERING</FONT></TD>
    <TD STYLE="text-indent: 0in">16</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">14.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">LIMITATIONS ON PURCHASES</FONT></TD>
    <TD STYLE="text-indent: 0in">16</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">15.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">PAYMENT FOR SUBSCRIPTION SHARES</FONT></TD>
    <TD STYLE="text-indent: 0in">18</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">16.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">MANNER OF EXERCISING SUBSCRIPTION RIGHTS THROUGH ORDER FORMS</FONT></TD>
    <TD STYLE="text-indent: 0in">18</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">17.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">UNDELIVERED, DEFECTIVE OR LATE ORDER FORM; INSUFFICIENT PAYMENT</FONT></TD>
    <TD STYLE="text-indent: 0in">19</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">18.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">RESIDENTS OF FOREIGN COUNTRIES AND CERTAIN STATES</FONT></TD>
    <TD STYLE="text-indent: 0in">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">19.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">ESTABLISHMENT OF LIQUIDATION ACCOUNT</FONT></TD>
    <TD STYLE="text-indent: 0in">20</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">20.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">VOTING RIGHTS OF STOCKHOLDERS</FONT></TD>
    <TD STYLE="text-indent: 0in">22</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">21.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">RESTRICTIONS ON RESALE OR SUBSEQUENT DISPOSITION</FONT></TD>
    <TD STYLE="text-indent: 0in">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">22.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">REQUIREMENTS FOR STOCK PURCHASES BY DIRECTORS AND OFFICERS FOLLOWING THE CONVERSION</FONT></TD>
    <TD STYLE="text-indent: 0in">23</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">23.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">DEPOSIT ACCOUNTS</FONT></TD>
    <TD STYLE="text-indent: 0in">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">24.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">REGISTRATION AND MARKETING</FONT></TD>
    <TD STYLE="text-indent: 0in">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">25.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">TAX RULINGS OR OPINIONS</FONT></TD>
    <TD STYLE="text-indent: 0in">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">26.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">STOCK BENEFIT PLANS AND EMPLOYMENT AGREEMENTS</FONT></TD>
    <TD STYLE="text-indent: 0in">24</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">27.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">RESTRICTIONS ON ACQUISITION OF BANK AND HOLDING COMPANY</FONT></TD>
    <TD STYLE="text-indent: 0in">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">28.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">PAYMENT OF DIVIDENDS AND REPURCHASE OF STOCK</FONT></TD>
    <TD STYLE="text-indent: 0in">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">29.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">CERTIFICATE OF INCORPORATION AND BYLAWS</FONT></TD>
    <TD STYLE="text-indent: 0in">25</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">30.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">CONSUMMATION OF CONVERSION AND EFFECTIVE DATE</FONT></TD>
    <TD STYLE="text-indent: 0in">26</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">31.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">EXPENSES OF CONVERSION</FONT></TD>
    <TD STYLE="text-indent: 0in">26</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">32.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">AMENDMENT OR TERMINATION OF PLAN</FONT></TD>
    <TD STYLE="text-indent: 0in">26</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">33.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">CONDITIONS TO CONVERSION</FONT></TD>
    <TD STYLE="text-indent: 0in">26</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">34.</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">INTERPRETATION</FONT></TD>
    <TD STYLE="text-indent: 0in">27</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 0 71.3pt; text-align: justify; text-indent: -71.3pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 0 71.3pt; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; padding-right: 0.6pt; text-align: justify">Exhibit A</TD>
    <TD STYLE="width: 86%; padding-right: 0.6pt; text-align: justify">Form of Agreement of Merger between Magyar Bancorp, MHC and Magyar Bancorp, Inc.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 0 71.3pt; text-align: justify; text-indent: -71.3pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 71.3pt; text-indent: -71.3pt">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 0 71.3pt; text-align: justify; text-indent: -71.3pt">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">PLAN
OF CONVERSION AND REORGANIZATION OF<BR>
Magyar Bancorp, MHC</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">1.</TD><TD>INTRODUCTION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This Plan of Conversion
and Reorganization (this &ldquo;Plan&rdquo;) provides for the conversion of Magyar Bancorp, MHC, a New Jersey-chartered mutual
holding company (the &ldquo;Mutual Holding Company&rdquo;), from the mutual to the capital stock form of organization. The Mutual
Holding Company currently owns a majority of the common stock of Magyar Bancorp, Inc., a Delaware corporation (the &ldquo;Mid-Tier
Holding Company&rdquo; or the &ldquo;Holding Company&rdquo; as the context dictates) which owns 100% of the common stock of Magyar
Bank (the &ldquo;Bank&rdquo;), a New Jersey-chartered capital stock savings bank. On January 23, 2006, the Bank&rsquo;s New Jersey-chartered
mutual savings bank predecessor reorganized into the mutual holding company form of organization by (i) forming the Mutual Holding
Company, (ii) forming the Mid-Tier Holding Company as a wholly-owned subsidiary of the Mutual Holding Company, and (iii) converting
to a New Jersey chartered capital stock savings bank and becoming a wholly-owned subsidiary of the Mid-Tier Holding Company. As
part of the mutual holding company reorganization, the Mid-Tier Holding Company issued 3,200,450 shares of its common stock to
the Mutual Holding Company and sold 2,618,550 shares of its common stock to depositors of the Bank and contributed 104,742 shares
and $500,000 in cash to the Magyar Bank Charitable Foundation. Since the initial stock offering, the Mid-Tier Holding Company has
repurchased shares of its common stock. As of the date of adoption of this Plan, the Mutual Holding Company held approximately
55.0% of the Mid-Tier Holding Company&rsquo;s 5,810,746 shares of outstanding common stock. For purposes of this Plan, all capitalized
terms shall have the meanings assigned to them in Section 2 hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As part of the Conversion,
the Mutual Holding Company will merge with and into the Mid-Tier Holding Company with the Mid-Tier Holding Company as the surviving
entity (the &ldquo;MHC Merger&rdquo;). A Liquidation Account will be established in the Holding Company for the benefit of Depositors
as of specified dates in exchange for their interests in the Mutual Holding Company. In connection with the Conversion each Minority
Stockholder will receive Holding Company Common Stock in exchange for Minority Shares pursuant to the Exchange Ratio. In addition,
the Holding Company will offer shares of Conversion Stock on a priority basis in the Offering as provided herein. The subscription
rights granted to Participants in the Subscription Offering are set forth in Sections 8 through 11 hereof. All sales of Common
Stock in the Community Offering or the Syndicated Community Offering, or in any other manner permitted by the Bank Regulators,
will be at the sole discretion of the Boards of Directors. The Conversion will have no impact on Depositors, borrowers or other
customers of the Bank. After the Conversion, the Bank&rsquo;s insured deposits will continue to be insured by the FDIC to the extent
provided by applicable law. At the discretion of the Boards of Directors, the Conversion may be effected in any other manner approved
by the Bank Regulators that is consistent with the purposes of this Plan and applicable laws and regulations, including through
the creation of a new Delaware corporation to be named &ldquo;New Magyar Bancorp, Inc.&rdquo; (&ldquo;Newco&rdquo;), into which
the Mid-Tier Holding Company would be merged (the &ldquo;Mid-Tier Merger&rdquo;) immediately after the MHC Merger with Newco as
the survivor and with Newco succeeding to all the rights and obligations of the Mutual Holding Company and the Mid-Tier Holding
Company, as well as Newco offering, issuing and selling its stock to depositors and the public in the offering as part of the Conversion.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The purpose of the
Conversion is to convert the Mutual Holding Company to the capital stock form of organization which will provide the Bank and the
Holding Company with additional capital to grow and to respond to changing regulatory and market conditions. The capital raised
in the Conversion will provide the Bank and the Holding Company with additional resources to support increased lending, the opening
or acquisition of additional branch offices, and the acquisition of other financial institutions or businesses related to banking,
and for other general corporate purposes. The Conversion will also provide the Bank and the Holding Company greater corporate flexibility
to effect mergers, acquisitions and other business combinations. The Conversion will also facilitate the payment of dividends to
stockholders of the Holding Company. The Holding Company may choose to pay regular quarterly dividends to its stockholders, and
the Conversion will enable the Holding Company to pay such dividends without complications associated with the mutual holding company
structure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This Plan has been adopted
by the Boards of Directors and is subject to the approval of the Federal Reserve and the Department. This Plan also must be approved
by (i) a majority of the total votes eligible to be cast by Voting Depositors at the Special Meeting of Depositors, (ii) at least
two-thirds of the total votes eligible to be cast by Stockholders at the Special Meeting of Stockholders, and (iii) a majority
of the total votes eligible to be cast by Minority Stockholders at the Special Meeting of Stockholders. Approval of this Plan by
the Voting Depositors shall constitute approval of each of the transactions necessary to implement this Plan, including the MHC
Merger. The Boards of Directors determined that this Plan equitably provides for the interests of the Depositors through the granting
of Subscription Rights and the establishment of a Liquidation Account. The Boards of Directors also determined that this Plan equitably
provides for the interests of Minority Stockholders through the issuance of additional Holding Company Common Stock in the Exchange
Offering which will result in Minority Stockholders maintaining substantially the same ownership interest the Holding Company after
the Conversion as such stockholders had in the Mid-Tier Holding Company immediately prior to the Conversion, adjusted downward
to reflect certain assets held by the Mutual Holding Company, and without giving effect to new shares purchased in the Offering
by Minority Stockholders.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">2.</TD><TD>DEFINITIONS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">For the purposes
of this Plan, the following terms have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Acting in Concert</B>
&ndash; The term Acting in Concert means (i) knowing participation in a joint activity or interdependent conscious parallel action
towards a common goal whether or not pursuant to an express agreement; or (ii) a combination or pooling of voting or other interests
in the securities of an issuer for a common purpose pursuant to any contract, understanding, relationship, agreement or other arrangement,
whether written or otherwise. Persons living at the same address as indicated on the records of the Bank, whether or not related,
will be deemed to be Acting in Concert, unless otherwise determined by the Boards of Directors. A person or company which acts
in concert with another person or company (&ldquo;other party&rdquo;) shall also be deemed to be acting in concert with any person
or company who is also acting in concert with that other party, except that any Tax-Qualified Employee Stock Benefit Plan will
not be deemed to be acting in concert with its trustee or a person who serves in a similar capacity solely for the purpose of determining
whether stock held by the trustee and stock held by the plan will be aggregated. The determination of whether a group is Acting
in Concert shall be made solely by the Boards of Directors or Officers delegated such authority by the Boards, and may be based
on any evidence upon which the Boards or such delegates choose to rely including, without limitation, the fact that such Persons
have joint accounts at the Bank or that such Persons have filed joint Schedules 13D or Schedules 13G with the SEC with respect
to other companies. Directors, Officers and employees of the Mid-Tier Holding Company, the Bank, and the Mutual Holding Company
shall not be deemed to be Acting in Concert solely as a result of their capacities as such.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Affiliate</B>
&ndash; Any Person that directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common
control with another Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Application for
Conversion</B> -- The application for the Conversion, including this Plan and all other requisite materials, which shall be submitted
to the Federal Reserve and the Department for approval in accordance with Section 3 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Appraised Value
Range</B> &ndash; The range of the estimated consolidated pro forma market value of the Holding Company giving effect to the Conversion,
which shall also be equal to the estimated pro forma market value of the total number of shares of Conversion Stock to be issued
in the Conversion, as determined by the Independent Appraiser prior to the Subscription Offering and as it may be amended from
time to time thereafter. The maximum and minimum of the Appraised Value Range may vary as much as 15% above and 15% below, respectively,
the midpoint of the Appraised Value Range.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Associate</B>
&ndash; The term Associate when used to indicate a relationship with any Person, means (i) any corporation or organization (other
than the Mutual Holding Company, the Mid-Tier Holding Company, , the Bank or a majority-owned subsidiary of any of such entities)
if the person is a senior officer or partner or beneficially owns, directly or indirectly, 10% or more of any class of equity securities
of the corporation or organization, (ii)&nbsp;any trust or other estate, if the person has a substantial beneficial interest in
the trust or estate or is a trustee or fiduciary of the trust or estate except that for the purposes of this Plan relating to subscriptions
in the Offering and the sale of Subscription Shares following the Conversion, a person who has a substantial beneficial interest
</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">in any Non-Tax-Qualified Employee Stock Benefit Plan or any Tax-Qualified Employee Stock Benefit Plan, or who is a trustee or fiduciary
of such plan, is not an Associate of such plan, and except that, for purposes of aggregating total shares that may be held by Officers
and Directors the term &ldquo;Associate&rdquo; does not include any Tax-Qualified Employee Stock Benefit Plan, and (iii) any person
who is related by blood or marriage to such person and (A) who lives in the same home as such person or (B) who is a Director or
Officer of the Mutual Holding Company, the Mid-Tier Holding Company, or the Bank, or any of their parents or subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Bank</B> &ndash;
Magyar Bank, New Brunswick, New Jersey.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Bank Liquidation
Account</B> &ndash; The account established by the Bank representing the liquidation interests received by Eligible Account Holders
and Supplemental Eligible Account Holders in connection with the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Bank Regulators</B>
&ndash; The Federal Reserve, the Department and other bank regulatory agencies, if any, responsible for reviewing and approving
the Conversion, including the ownership of the Bank by the Holding Company and the mergers required to effect the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Boards of Directors</B>
&ndash; The boards of directors of the Bank, the Mutual Holding Company, the Mid-Tier Holding Company and/or the Holding Company
as appropriate in the context.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Certificate of
Incorporation</B> &ndash; The Delaware Certificate of Incorporation of the Holding Company as in effect on the date of the Special
Meeting of Depositors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Certificate of
Merger</B> &ndash; The certificate of merger or any similar documents filed with the Secretaries of State of the States of Delaware
and New Jersey, and any similar certificates or documents filed with the Bank Regulators or public authorities in connection with
the consummation of the MHC Merger or the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Code</B> &ndash;
The Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Common Stock</B>
&ndash; The common stock, par value $0.01 per share, of the Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Community</B>
&ndash; The New Jersey Counties of Middlesex, Somerset, Monmouth, Hunterdon and Union.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Community Offering</B>
&ndash; The offering of Subscription Shares not subscribed for in the Subscription Offering for sale to certain members of the
general public directly by the Holding Company. The Community Offering, if any, may occur concurrently with the Subscription Offering
or any Syndicated Community Offering, or upon conclusion of the Subscription Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Control &ndash;</B>
(including the terms &ldquo;controlling,&rdquo; &ldquo;controlled by,&rdquo; and &ldquo;under common control with&rdquo;) means
the direct or indirect power to direct or exercise a controlling influence over the management or policies of a Person, whether
through the ownership of voting securities, by contract or otherwise as described in 12 C.F.R. Section225.41.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Conversion</B>
&ndash; The conversion and reorganization of the Mutual Holding Company to stock form pursuant to this Plan, and all steps incident
or necessary thereto, including the Offering.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Conversion Stock</B>
&ndash; The Subscription Shares and the Exchange Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Department</B>
&ndash; The New Jersey Department of Banking and Insurance or any successor thereto, and as appropriate the New Jersey Commissioner
of Banking and Insurance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Depositor</B>
&ndash; Any Person holding a Deposit Account in the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Deposit Account</B>
&ndash; Any withdrawable account, including, without limitation, savings, time, demand, NOW accounts, money market, certificate
and passbook accounts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Director</B>
&ndash; A member of the Board of Directors of the Bank, the Mid-Tier Holding Company or the Mutual Holding Company, as appropriate
in the context.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Eligible Account
Holder</B> &ndash; Any Person holding a Qualifying Deposit on the Eligibility Record Date for purposes of determining subscription
rights and establishing subaccount balances in the Liquidation Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Eligibility Record
Date</B> &ndash; The date for determining Eligible Account Holders of the Bank, which is December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Employees</B>
&ndash; All Persons who are employed by the Bank, the Mid-Tier Holding Company or the Mutual Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Employee Plans</B>
&ndash; Any one or more Tax-Qualified Employee Stock Benefit Plans of the Bank or the Holding Company, including any ESOP and 401(k)
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>ESOP</B> &ndash;
The Bank&rsquo;s Employee Stock Ownership Plan and related trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Exchange Offering
</B>-- The offering of Holding Company Common Stock to Minority Stockholders in exchange for Minority Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Exchange Ratio</B> &ndash;
The rate at which shares of Holding Company Common Stock are exchanged for Minority Shares upon consummation of the Conversion.
The Exchange Ratio shall be determined by the Mutual Holding Company, the Holding Company and the Bank and is intended to ensure
that upon consummation of the Conversion, Minority Stockholders own in the aggregate the same percentage (after giving effect to
any reduction in the Minority Ownership Interest determined immediately prior to the completion of the Conversion to reflect the
market value of assets of the Mutual Holding Company other than Mid-Tier Holding Company Common Stock) of Holding Company Common
Stock to be outstanding upon completion of the Conversion as the percentage of Mid-Tier Holding Company common stock owned by them
in the aggregate immediately prior to the completion of the Conversion, before giving effect to: (a) cash paid in lieu of any fractional
interests of Mid-Tier Holding Company common stock; and (b) any shares of Conversion Stock purchased by the Minority Stockholders
in the Offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Exchange Shares</B>
&ndash; The shares of Holding Company Common Stock issued to Minority Stockholders in the Exchange Offering in exchange for their
Minority Shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>FDIC</B> &ndash;
The Federal Deposit Insurance Corporation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Federal Reserve
</B>&ndash; The Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Holding Company</B>
&ndash; The Mid-Tier Holding Company but sometimes referred to as the &ldquo;Holding Company&rdquo; in the context of the Offering
or after consummation of the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Independent Appraiser</B>
&ndash; The appraiser retained by the Mutual Holding Company, the Mid-Tier Holding Company and the Bank to prepare an appraisal
of the pro forma market value of the Holding Company and the Conversion Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Liquidation Account</B>
&ndash; The account established by the Holding Company representing the liquidation interests received by Eligible Account Holders
and Supplemental Eligible Account Holders in connection with the Conversion in exchange for their interests in the Mutual Holding
Company immediately prior to the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Majority Ownership
Interest</B> &ndash; A fraction, the numerator of which is equal to the number of shares of Mid-Tier Holding Company Common Stock
owned by the Mutual Holding Company immediately prior to the completion of the Conversion, and the denominator of which is equal
to the total number of shares of Mid-Tier Holding Company common stock issued and outstanding immediately prior to the completion
of the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>MHC Merger</B>
&ndash; The merger of the Mutual Holding Company with and into the Mid-Tier Holding Company, with the Mid-Tier Holding Company
as the surviving entity, which merger shall occur immediately prior to completion of the Conversion, as set forth in this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Mid-Tier Holding
Company</B> &ndash; Magyar Bancorp, Inc., a Delaware Corporation and the sole stockholder of the Bank as of the date of the adoption
of this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Minority Ownership Interest</B>
&ndash; A fraction, the numerator of which is equal to the number of shares of Mid-Tier Holding Company common stock owned by Minority
Stockholders immediately prior to the completion of the Conversion, and the denominator of which is equal to the total number of
shares of Mid-Tier Holding Company common stock issued and outstanding immediately prior to the completion of the Conversion<I>.
</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Minority Shares</B>
&ndash; Any outstanding shares of common stock of the Mid-Tier Holding Company owned by persons other than the Mutual Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Minority Stockholder</B>
&ndash; Any owner of Minority Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Mutual Holding
Company</B> &ndash; Magyar Bancorp, MHC, the mutual holding company of the Mid-Tier Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Offering</B>
&ndash; The offering and issuance, pursuant to this Plan, of Common Stock in a Subscription Offering, Community Offering and/or
Syndicated Community Offering, as the case may be. The term &ldquo;Offering&rdquo; does not include Common Stock issued in the
Exchange Offering.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Offering Range</B>
&ndash; The range of the number of shares of Common Stock offered for sale in the Offering multiplied by the Purchase Price. The
Offering Range shall be equal to the Appraised Value Range multiplied by the Majority Ownership Interest. The maximum and minimum
of the Offering Range may vary as much as 15% above and 15% below, respectively, the midpoint of the Offering Range.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Officer</B> &ndash;
The chief executive officer, president, any vice-president (but not an assistant vice-president, second vice-president, or other
vice president having authority similar to an assistant or second vice-president), the secretary, the treasurer, the comptroller,
or any other person performing similar functions with respect to any organization whether incorporated or unincorporated. The term
Officer also includes the chairman of the Board of Directors if the chairman is authorized by the charter or bylaws of the organization
to participate in its operating management or if the chairman in fact participates in such management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Order Form</B>
&ndash; Any form (together with any cover letter and acknowledgments) sent to any Participant or Person containing among other
things a description of the alternatives available to such Person under this Plan and by which any such Person may make elections
regarding subscriptions for Subscription Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Other Depositor</B>
&ndash; Any Person holding a Deposit Account on the Voting Record Date who is not an Eligible Account Holder or Supplemental Eligible
Account Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Participant</B>
&ndash; Any Eligible Account Holder, Employee Plan, Supplemental Eligible Account Holder or Other Depositor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Parties</B> &ndash;
The Mutual Holding Company, the Mid-Tier Holding Company and the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Person</B> &ndash;
An individual, a corporation, a partnership, an association, a joint-stock company, a limited liability company, a trust, an unincorporated
organization, or a government or political subdivision of a government.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Plan</B> &ndash;
This Plan of Conversion and Reorganization of the Mutual Holding Company, the Mid-Tier Holding Company and the Bank as it exists
on the date hereof and as it may hereafter be amended in accordance with its terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Prospectus</B>
&ndash; The one or more documents used in offering the Conversion Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Purchase Price
</B>&ndash; The price per at which the Conversion Stock will be sold to Participants and others in the Offering. The Purchase Price
will be $10.00 unless otherwise determined by the Board of Directors of the Holding Company, and will be fixed prior to the commencement
of the Subscription Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Qualifying Deposit</B>
&ndash; The aggregate balance of all Deposit Accounts in the Bank of (i) an Eligible Account Holder at the close of business on
the Eligibility Record Date, provided such aggregate balance is not less than $50, or (ii) a Supplemental Eligible Account Holder
at the close of business on the Supplemental Eligibility Record Date, provided such aggregate balance is not less than $50.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Qualifying Depositor</B>
&ndash; Any Person holding a Qualifying Deposit in the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Resident</B>
&ndash; Any Person who occupies a dwelling within the Community, has a present intent to remain within the Community for a period
of time, and manifests the genuineness of that intent by establishing an ongoing physical presence within the Community together
with an indication that such presence within the Community is something other than merely transitory in nature. To the extent the
Person is a corporation or other business entity, to be a Resident the principal place of business or headquarters of the corporation
or business entity must be in the Community. To the extent a Person is a personal benefit plan, the circumstances of the beneficiary
shall apply with respect to this definition. In the case of all other benefit plans, circumstances of the trustee shall be examined
for purposes of this definition. The Mid-Tier Holding Company and the Bank may utilize deposit or loan records or such other evidence
provided to it to make a determination as to whether a Person is a resident. In all cases, however, such a determination shall
be in the sole discretion of the Mutual Holding Company, the Holding Company and the Bank. A Person must be a &ldquo;Resident&rdquo;
for purposes of determining whether such person &ldquo;resides&rdquo; in the Community as such term is used in this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>SEC</B> &ndash;
The United States Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Special Meeting
of Depositors</B> &ndash; The special meeting of Voting Depositors held to consider and vote upon this Plan, including any adjournments
thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Special Meeting
of Stockholders</B> &ndash; The special or annual meeting of Stockholders of the Mid-Tier Holding Company held to consider and
vote upon this Plan, including any adjournments thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Stockholder</B>
&ndash; Any owner of outstanding common stock of the Mid-Tier Holding Company, including the Mutual Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Subscription
Offering</B> &ndash; The offering of Subscription Shares to Participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Subscription
Rights</B> &ndash; The nontransferable rights to subscribe for Conversion Stock granted to Participants pursuant to the terms of
this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Subscription
Shares</B> &ndash; Shares of Common Stock offered for sale in the Offering. Subscription Shares do not include Exchange Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Supplemental
Eligible Account Holder</B> &ndash; Any Person, other than Directors and Officers of the Mutual Holding Company, the Bank and the
Mid-Tier Holding Company and their Associates, holding a Qualifying Deposit on the Supplemental Eligibility Record Date, who is
not an Eligible Account Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Supplemental
Eligibility Record Date</B> &ndash; The date for determining Supplemental Eligible Account Holders, which shall be the last day
of the calendar quarter preceding Federal Reserve approval of the Application for Conversion. The Supplemental Eligibility Record
Date will only occur if the Federal Reserve has not approved the Conversion within 15 months after the Eligibility Record Date.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Syndicated Community
Offering</B> &ndash; The offering, at the sole discretion of the Holding Company, of Conversion Stock not subscribed for in the
Subscription Offering and the Community Offering, to members of the general public through a syndicate of broker-dealers. The Syndicated
Community Offering may occur following or concurrently with the Subscription Offering or any Community Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Tax-Qualified
Employee Stock Benefit Plan </B>&ndash; Any defined benefit plan or defined contribution plan, such as an employee stock ownership
plan, stock bonus plan, profit-sharing plan or other plan, which, with its related trust, meets the requirements to be &ldquo;qualified&rdquo;
under Section 401 of the Code. A &ldquo;Non-Tax-Qualified Employee Stock Benefit Plan&rdquo; is any defined benefit plan or defined
contribution plan which is not so qualified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Voting Depositor
&ndash; </B>Any Person who owns a Deposit Account at the close of business on the Voting Record Date and who is entitled to vote
at the Special Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>Voting Record
Date</B> &ndash; The date(s) fixed by the Directors for determining eligibility to vote at the Special Meeting of Depositors and/or
the Special Meeting of Stockholders.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">3.</TD><TD>PROCEDURES FOR CONVERSION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After
approval of this Plan by the Boards of Directors, this Plan together with all other requisite material shall be submitted to the
Bank Regulators for approval. Notice of the adoption of this Plan by the Boards of Directors will be published in a newspaper having
general circulation in each community in which an office of the Bank is located, and copies of this Plan will be made available
at each office of the Bank for inspection by Depositors and Minority Stockholders. The Mutual Holding Company will publish a notice
of the filing with the Bank Regulators of an Application for Conversion in accordance with the provisions of this Plan as well
as notices required in connection with any holding company, merger or other applications required to complete the Conversion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Promptly
following approval by the Bank Regulators, this Plan will be submitted to a vote of the Voting Depositors at the Special Meeting
of Depositors and of the Stockholders at the Special Meeting of Stockholders. The Mutual Holding Company will mail to all Voting
Depositors, at their last known address appearing on the records of the Bank as of the Voting Record Date, a proxy statement describing
this Plan. The Mid-Tier Holding Company will mail to all Minority Stockholders a proxy statement describing this Plan. The Mid-Tier
Holding Company also will mail to all Participants a Prospectus and Order Form for the purchase of Subscription Shares. In addition,
all Participants will receive, or will be given the opportunity to request by either telephone or by letter addressed to the Bank&rsquo;s
Secretary, a copy of the Plan as well as a copy of the Certificate of Incorporation or bylaws of the Holding Company. The Plan
must be approved by (i) a majority of the total votes eligible to be cast by Voting Depositors at the Special Meeting of Depositors,
(ii) at least two-thirds of the total votes eligible to be cast by Stockholders at the Special Meeting of Stockholders, and (iii)
a majority of the total votes eligible to be cast by Minority Stockholders at the Special Meeting of Stockholders. Upon such approval
of the Plan, the Mutual Holding Company, the Mid-Tier Holding Company and the Bank will take all other necessary steps pursuant
to applicable laws and regulations to consummate the </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Conversion. The Conversion must be completed within 24 months of the approval
of this Plan by Voting Depositors, unless a longer time period is permitted by governing laws and regulations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
period for the Subscription Offering will be not less than 20 days nor more than 45 days from the date Participants are first mailed
a Prospectus and Order Form, unless extended. Any shares of Common Stock for which subscriptions have not been received in the
Subscription Offering may be offered for sale in a Community Offering or a Syndicated Community Offering, or in any other manner
permitted by the Bank Regulators. All sales of shares of Common Stock must be completed within 45 days after the last day of the
Subscription Offering, unless the offering period is extended by the Holding Company with the approval of the Bank Regulators.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Approval
of this Plan by Voting Depositors and Stockholders also shall constitute approval of each of the actions or transactions necessary
to implement this Plan, including the MHC Merger and any amendments to the Certificate of Incorporation of the Holding Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Conversion will be effected as follows, or in any other manner that is consistent with the purposes of this Plan and applicable
laws and regulations. The choice of which method to use to effect the Conversion will be made by the Boards of Directors prior
to the closing of the Conversion. Each of the steps set forth below shall be deemed to occur in such order as is necessary to consummate
the Conversion pursuant to this Plan, the intent of the Boards of Directors, and applicable federal and state regulations and policy.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD STYLE="text-align: justify">The Mutual Holding Company will merge with the Mid-Tier Holding Company with the Mid-Tier
                                                               Holding Company as the surviving entity pursuant to the Agreement of Merger attached hereto as Exhibit A, whereby the shares
                                                               of Mid-Tier Holding Company common stock held by the Mutual Holding Company will be canceled and Qualifying Depositors will
                                                               constructively receive an interest in a liquidation account established in the Mid-Tier Holding Company in exchange for their
                                                               ownership interests in the Mutual Holding Company. As part of the MHC Merger, each of the Minority Shares shall
                                                               automatically, without further action on the part of the holders thereof, be converted into and become the right to receive
                                                               Holding Company Common Stock based upon the Exchange Ratio.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify">Immediately after the MHC Merger, the Holding Company will offer for sale the Holding Company Common
Stock in the Offering.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify">The Holding Company will contribute at least 50% of the net proceeds of the Offering to the Bank.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
part of the Conversion and as set forth in (1) above, pursuant to the MHC Merger, each of the Minority Shares outstanding immediately
prior to consummation of the Conversion shall automatically, without further action on the part of the holders thereof, be converted
into and become the right to receive Holding Company Common Stock based upon the Exchange Ratio. The basis for exchange of Minority
Shares for Holding Company Common Stock shall be fair and reasonable and shall be set forth in the MHC Merger Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">F.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The effective date of the Conversion shall be the date upon which the last of the </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">following actions occurs: (i) the filing of Certificate
of Merger with the Secretary of State of the State of Delaware, and with the Secretary of State of the State of New Jersey if required,
with respect to the MHC Merger, or (ii) the closing of the issuance of shares of Conversion Stock in the Offering. The filing of
Certificate of Merger relating the MHC Merger and the closing of the issuance of shares of Conversion Stock in the Offering shall
not occur until all requisite regulatory, Depositor and Stockholder approvals have been obtained, all applicable waiting periods
have expired and sufficient subscriptions and orders for the Conversion Stock have been received. It is intended that the closing
of the MHC Merger and the sale of Conversion Stock in the Offering shall occur consecutively and substantially simultaneously.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">G.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Holding Company shall register the Conversion Stock with the SEC and any appropriate state securities authorities. In addition,
the Mid-Tier Holding Company shall prepare preliminary proxy materials as well as other applications and information for filing
with the SEC in connection with the solicitation of Stockholder approval of this Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">H.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
assets, rights, interests, privileges, powers, franchises and property (real, personal and mixed) Mutual Holding Company shall
be automatically transferred to and vested in the Mid-Tier Holding Company by virtue of the Conversion without any deed or other
document of transfer. The Holding Company, without any order or action on the part of any court or otherwise and without any documents
of assumption or assignment, shall hold and enjoy all of the properties, franchises and interests, including appointments, powers,
designations, nominations and all other rights and interests as the agent or other fiduciary in the same manner and to the same
extent as such rights, franchises, and interests and powers were held or enjoyed by the Mutual Holding Company. The Holding Company
shall be responsible for all of the liabilities, restrictions and duties of every kind and description of the Mutual Holding Company
immediately prior to the Conversion, including liabilities for all debts, obligations and contracts of the Mutual Holding Company,
matured or unmatured, whether accrued, absolute, contingent or otherwise and whether or not reflected or reserved against on balance
sheets, books of accounts or records of the Mutual Holding Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">I.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
home office and branch offices of the Bank shall be unaffected by the Conversion.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">4.</TD><TD>HOLDING COMPANY APPLICATIONS AND APPROVALS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Boards of Directors
will take all necessary steps to convert the Mutual Holding Company to stock form and complete the Offering. The Mutual Holding
Company, the Mid-Tier Holding Company and the Bank shall make timely applications to the Bank Regulators and filings with the SEC
for any requisite regulatory approvals to complete the Conversion.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">5.</TD><TD>SALE OF COMMON STOCK</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Holding Company
shall file a registration statement with the SEC under the Securities Act of 1933, as amended, to register the Conversion Stock
and shall register such Conversion Stock under any applicable state securities laws subject to Section 18 hereof. Upon registration
and after the receipt of all required regulatory approvals, Common Stock shall be first offered for sale simultaneously in the
Subscription Offering to Participants in the respective priorities set forth </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">in this Plan. The Subscription Offering may begin
as early as the mailing of the proxy statement for the Special Meeting of Depositors. The offer and sale of Common Stock prior
to the Special Meeting of Depositors, however, is subject to the approval of this Plan by the requisite vote of the Voting Depositors
and Stockholders. The Common Stock will not be insured by the FDIC. The Bank will not extend credit to any Person to purchase shares
of Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Any shares of Common
Stock for which subscriptions have not been received in the Subscription Offering may be offered for sale in the Community Offering,
subject to the terms and conditions of this Plan. The Community Offering, if any, will involve an offering of unsubscribed shares
directly to the general public with a first preference given to those natural persons and trusts of natural persons residing in
the Community and the next preference given to Minority Stockholders as of the Voting Record Date. The Community Offering, if any,
may begin simultaneously with, at any time during, or after the Subscription Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If feasible, any shares
of Common Stock remaining unsold after the Subscription Offering and any Community Offering may be offered for sale in a Syndicated
Community Offering that will achieve a widespread distribution of the Common Stock. The issuance of Common Stock in the Subscription
Offering and any Community Offering will be consummated simultaneously on the date the sale of Common Stock is consummated in any
Syndicated Community Offering, and only if the required minimum number of shares of Common Stock has been issued.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">6.</TD><TD>PURCHASE PRICE AND NUMBER OF SUBSCRIPTION SHARES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The Purchase Price for
the Conversion Stock shall be a uniform price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The total number
of shares of Conversion Stock to be offered in the Conversion will be determined by the Boards of Directors immediately prior to
the commencement of the Subscription Offering, and will be based on the Appraised Value Range, as determined by the Independent
Appraiser, and the Purchase Price. The Offering Range will be equal to the Appraised Value Range multiplied by the Majority Ownership
Interest. The estimated pro forma consolidated market value of the Holding Company will be subject to adjustment within the Appraised
Value Range if necessitated by market or financial conditions, with the receipt of any required approvals of the Bank Regulators,
and the maximum of the Appraised Value Range may be increased by up to 15% subsequent to the commencement of the Subscription Offering
to reflect changes in market and financial conditions or demand for the shares. The number of shares of Conversion Stock issued
in the Conversion will be equal to the estimated pro forma consolidated market value of the Holding Company, as may be amended,
divided by the Purchase Price, and the number of Subscription Shares issued in the Offering will be equal to the product of (i)&nbsp;the
estimated pro forma consolidated market value of the Holding Company, as may be amended, divided by the Purchase Price, and (ii)
the Majority Ownership Interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event that
the Purchase Price multiplied by the number of shares of Conversion Stock to be issued in the Conversion is below the minimum of
the Appraised Value Range, or above the maximum of the Appraised Value Range, a resolicitation of purchasers will be required.
Any such resolicitation shall be effected in such manner and within such time as the Mutual Holding Company and the Holding Company
shall establish, subject to any required regulatory approvals.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Notwithstanding
the foregoing, shares of Conversion Stock will not be issued unless, prior to the consummation of the Conversion, the Independent
Appraiser confirms that, to the best knowledge of the Independent Appraiser, nothing of a material nature has occurred which, taking
into account all relevant factors, would cause the Independent Appraiser to conclude that the number of shares of Conversion Stock
issued in the Conversion multiplied by the Purchase Price is incompatible with its estimate of the aggregate consolidated pro forma
market value of the Holding Company. If such confirmation is not received, the Holding Company may cancel the Offering, extend
the Offering and establish a new Purchase Price and/or Appraised Value Range, hold a new Offering and Exchange Offering after canceling
the Offering and Exchange Offering, or take such other action as the Bank Regulators may permit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Common Stock
to be issued in the Conversion shall be fully paid and nonassessable.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">7.</TD><TD>RETENTION OF CONVERSION PROCEEDS BY THE HOLDING COMPANY</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Holding Company
may retain up to 50% of the net proceeds of the Offering. The Holding Company believes that the Offering proceeds will provide
economic strength to the Holding Company and the Bank for the future in a highly competitive and regulated financial services environment,
and will support the growth of the Holding Company and the Bank through increased lending, acquisitions of financial service organizations,
continued diversification into other related businesses and for other business and investment purposes, including the payment of
dividends and future repurchases of Common Stock as permitted by applicable federal and state regulations and policy.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">8.</TD><TD>SUBSCRIPTION RIGHTS OF ELIGIBLE ACCOUNT HOLDERS (FIRST PRIORITY)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Eligible Account Holder shall have a nontransferable subscription right to subscribe in the Subscription Offering for up to the
greater of $400,000 of Common Stock, 0.10% of the total number of shares of Common Stock issued in the Offering, or fifteen times
the product (rounded down to the next whole number) obtained by multiplying the number of Subscription Shares offered in the Offering
by a fraction of which the numerator is the amount of the Eligible Account Holder&rsquo;s Qualifying Deposit and the denominator
is the total amount of Qualifying Deposits of all Eligible Account Holders, in each case on the Eligibility Record Date, subject
to the purchase limitations specified in Section&nbsp;14.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that Eligible Account Holders exercise subscription rights for a number of Subscription Shares in excess of the total
number of such shares eligible for subscription, the Subscription Shares shall be allocated among the subscribing Eligible Account
Holders so as to permit each subscribing Eligible Account Holder to purchase a number of shares sufficient to make his or her total
allocation of Subscription Shares equal to the lesser of 100 shares or the number of shares for which such Eligible Account Holder
has subscribed. Any remaining shares will be allocated among the subscribing Eligible Account Holders whose subscriptions remain
unsatisfied in the proportion that the amount of the Qualifying Deposit of each Eligible Account Holder whose subscription remains
unsatisfied bears to the total amount of the Qualifying Deposits of all Eligible Account Holders whose subscriptions remain unsatisfied.
If the amount so allocated exceeds the </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">amount subscribed for by any one or more Eligible Account Holders, the excess shall be reallocated
(one or more times as necessary) among those Eligible Account Holders whose subscriptions are still not fully satisfied on the
same principle until all available shares have been allocated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subscription
rights as Eligible Account Holders received by Directors and Officers and their Associates that are based on increases in deposits
made by such persons during the 12 months preceding the Eligibility Record Date shall be subordinated to the subscription rights
of all other Eligible Account Holders, except as permitted by the Bank Regulators.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">9.</TD><TD>SUBSCRIPTION RIGHTS OF EMPLOYEE PLANS (SECOND PRIORITY)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Employee Plans
of the Holding Company and the Bank shall have subscription rights to purchase in the aggregate up to 10% of the Subscription Shares
issued in the, including any Subscription Shares to be issued as a result of an increase in the maximum of the Offering Range after
commencement of the Subscription Offering and prior to completion of the Conversion. Consistent with applicable laws, regulations,
practices and policies, the Employee Plans may use funds contributed by the Holding Company or the Bank and/or borrowed from an
independent financial institution to exercise such subscription rights, and the Holding Company and the Bank may make scheduled
discretionary contributions thereto, provided that such contributions do not cause the Holding Company or the Bank to fail to meet
any applicable regulatory capital requirements. The Employee Plans shall not be deemed to be Associates or Affiliates of or Persons
Acting in Concert with any Director or Officer of the Mutual Holding Company, the Mid-Tier Holding Company or the Bank. Alternatively,
if permitted by the Bank Regulators, the Employee Plans may purchase all or a portion of such shares in the open market after the
completion of the Conversion.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">10.</TD><TD>SUBSCRIPTION RIGHTS OF SUPPLEMENTAL ELIGIBLE ACCOUNT HOLDERS (THIRD PRIORITY)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Supplemental Eligible Account Holder shall have a nontransferable subscription right to subscribe in the Subscription Offering
for up to the greater of $400,000 of Common Stock, 0.10% of the total number of shares of Common Stock issued in the Offering,
or fifteen times the product (rounded down to the next whole number) obtained by multiplying the number of Subscription Shares
offered in the Offering by a fraction of which the numerator is the amount of the Supplemental Eligible Account Holder&rsquo;s
Qualifying Deposit and the denominator is the total amount of Qualifying Deposits of all Supplemental Eligible Account Holders,
in each case on the Supplemental Eligibility Record Date, subject to the availability of sufficient shares after filling in full
all subscription orders of Eligible Account Holders and Employee Plans and subject to the purchase limitations specified in Section&nbsp;14.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that Supplemental Eligible Account Holders exercise subscription rights for a number of Subscription Shares in excess
of the total number of such shares eligible for subscription, the Subscription Shares shall be allocated among the subscribing
Supplemental Eligible Account Holders so as to permit each subscribing Supplemental Eligible Account Holder, to the extent possible,
to purchase a number of shares sufficient to make his or her total allocation </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">of Subscription Shares equal to the lesser of 100
shares or the number of shares for which such Supplemental Eligible Account Holder has subscribed. Any remaining shares will be
allocated among the subscribing Supplemental Eligible Account Holders whose subscriptions remain unsatisfied in the proportion
that the amount of the Qualifying Deposit of such Supplemental Eligible Account Holder whose subscription remains unsatisfied bears
to the total amount of the Qualifying Deposits of all Supplemental Eligible Account Holders whose subscriptions remain unsatisfied.
If the amount so allocated exceeds the amount subscribed for by any one or more Supplemental Eligible Account Holders, the excess
shall be reallocated (one or more times as necessary) among those Supplemental Eligible Account Holders whose subscriptions are
still not fully satisfied on the same principle until all available shares have been allocated.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">11.</TD><TD>SUBSCRIPTION RIGHTS OF OTHER DEPOSITORS (FOURTH PRIORITY)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Other Depositor shall have a nontransferable subscription right to subscribe in the Subscription Offering for up to the greater
of $400,000 of Common Stock or 0.10% of the total number of shares of Common Stock issued in the Offering, subject to the availability
of sufficient shares after filling in full all subscription orders of Eligible Account Holders, Employee Plans and Supplemental
Eligible Account Holders, and subject to the purchase limitations specified in Section&nbsp;14.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that such Other Depositors subscribe for a number of Subscription Shares which, when added to the Subscription Shares
subscribed for by the Eligible Account Holders, Employee Plans and Supplemental Eligible Account Holders, is in excess of the total
number of Subscription Shares to be issued, the available shares will be allocated among Other Depositors so as to permit each
such subscribing Other Depositor, to the extent possible, to purchase a number of shares sufficient to make his or her total allocation
of Subscription Shares equal to the lesser of 100 shares or the number of shares for which each such Other Depositor has subscribed.
Any remaining shares will be allocated among the subscribing Other Depositors whose subscriptions remain unsatisfied in the proportion
that the amount of the subscription of each such Other Depositor bears to the total amount of the subscriptions of all Other Depositors
whose subscriptions remain unsatisfied.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">12.</TD><TD>COMMUNITY OFFERING</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If subscriptions are not
received for all Subscription Shares offered for sale in the Subscription Offering, shares for which subscriptions have not been
received may be sold in a Community Offering through a direct community marketing program which may use a broker, dealer, consultant
or investment banking firm experienced and expert in the sale of savings institutions securities. Such entities may be compensated
on a fixed fee basis or on a commission basis, or a combination thereof. In the event orders for Common Stock in the Community
Offering exceed the number of shares available for sale, shares may be allocated (to the extent shares remain available) first
to cover orders of natural persons (including trusts of natural persons) residing in the Community, next to cover orders of Minority
Stockholders as of the Voting Record Date, and thereafter to cover orders of other members of the general public. In the event
orders for Common Stock exceed the number of shares available for sale in a category pursuant to the purchase priorities described
in the preceding sentence, shares will be allocated within the category so that </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">each member of that category will receive the lesser
of 100 shares or the amount ordered, and thereafter remaining shares will be allocated on an equal number of shares basis per order.
The Holding Company shall use its best efforts consistent with this Plan to distribute Common Stock sold in the Community Offering
in such a manner as to promote the widest distribution practicable of such stock. The Holding Company reserves the right to reject
any or all orders, in whole or in part, that are received in the Community Offering. Any Person may purchase up to $400,000 of
Common Stock in the Community Offering, subject to the purchase limitations specified in Section&nbsp;14.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">13.</TD><TD>SYNDICATED COMMUNITY OFFERING</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Boards of Directors
may determine to offer Subscription Shares not sold in the Subscription Offering or the Community Offering, if any, for sale in
a Syndicated Community Offering, subject to such terms, conditions and procedures that will achieve the widest distribution of
Common Stock, and subject to the right of the Holding Company to accept or reject in whole or in part any orders in the Syndicated
Community Offering. In the Syndicated Community Offering, any Person may purchase up to $400,000 of Common Stock, subject to the
purchase limitations specified in Section&nbsp;14. In the event that there are more orders for shares of Conversion Stock than
available for purchase in the Syndicated Community Offering, shares will be allocated on an equal number of shares basis per order.
Provided that the Subscription Offering has begun, the Holding Company may begin the Syndicated Community Offering at any time.
The Holding Company reserves the right to reject any or all orders, in whole or in part, that are received in the Syndicated Community
Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If for any reason
a Syndicated Community Offering of shares of Common Stock not sold in the Subscription Offering or any Community Offering cannot
be effected, or in the event that any insignificant residue of shares of Common Stock is not sold in the Subscription Offering,
Community Offering, or any Syndicated Community Offering, the Holding Company will use its best efforts to make other arrangements
for the disposition of unsubscribed shares aggregating at least the minimum of the Offering Range. Such other purchase arrangements
will be subject to receipt of any required approval of the Bank Regulators.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">14.</TD><TD>LIMITATIONS ON PURCHASES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The following limitations
shall apply to all purchases and issuances of shares of Conversion Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
maximum purchase of common stock in the subscription offering by a person or group of person through a single deposit account is
$400,000 (40,000 shares). The maximum number of shares of Common Stock that may be subscribed for or purchased in all categories
in the Offering by any Person or Participant, together with any Associate or group of Persons Acting in Concert, shall not exceed
$500,000 of Common Stock (50,000 shares), except that the Employee Plans may subscribe for up to 10% of the Common Stock issued
in the Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
maximum number of shares of Common Stock that may be issued to or purchased in all categories of the Offering by Officers and Directors
and their Associates in the aggregate shall not exceed 25% of the shares of issued in the Offering.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
maximum number of shares of Common Stock that may be subscribed for or purchased in all categories of the Offering by any Person
or Participant together with purchases by any Associate or group of Persons Acting in Concert, combined with Exchange Shares received
by any such Person or Participant together with any Associate or group of Persons Acting in Concert, shall not exceed 9.9% of the
shares of Conversion Stock, except that this ownership limitation shall not apply to the Employee Plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
minimum of 25 shares of Common Stock must be purchased by each Person or Participant purchasing shares in the Offering to the extent
those shares are available; <I>provided, however</I>, that in the event the minimum number of shares of Common Stock purchased
times the Purchase Price exceeds $500, then such minimum purchase requirement shall be reduced to such number of shares which when
multiplied by the price per share shall not exceed $500, as determined by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the number of shares of Common Stock otherwise allocable pursuant to Sections 8 through 13, inclusive, to any Person or that Person&rsquo;s
Associates would be in excess of the maximum number of shares permitted as set forth above, the number of shares of Common Stock
allocated to each such person shall be reduced to the lowest limitation applicable to that Person, and then the number of shares
allocated to each group consisting of a Person and that Person&rsquo;s Associates shall be reduced so that the aggregate allocation
to that Person and his or her Associates complies with the above limits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Depending upon market
or financial conditions, the Boards of Directors, with the receipt of any required approvals of the Bank Regulators and without
further approval of Voting Depositors, may decrease or increase the purchase limitations in this Plan, <I>provided</I> that the
maximum purchase limitations may not be increased to a percentage in excess of 5% of the shares issued in the Offering except as
provided below. If the Holding Company increases the maximum purchase limitations, the Holding Company is only required to resolicit
Participants who subscribed for the maximum purchase amount in the Subscription Offering and may, in the sole discretion of the
Holding Company, resolicit certain other large purchasers. In the event of such a resolicitation, the Holding Company shall have
the right, in its sole discretion, to require such persons to supply immediately available funds for the purchase of additional
shares of Common Stock. In the event that the maximum purchase limitation is increased to 5% of the shares issued in the Offering,
such limitation may be further increased to 9.99%, <I>provided</I> that orders for Common Stock exceeding 5% of the shares of Common
Stock issued in the Offering shall not exceed in the aggregate 10% of the total shares of Common Stock issued in the Offering.
Requests to purchase additional shares of the Common Stock in the event that the purchase limitation is so increased will be determined
by the Board of Directors of the Holding Company in its sole discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">For purposes of
this Section 14, (i) Directors, Officers and Employees of the Bank, the Mid-Tier Holding Company and the Mutual Holding Company
or any of their subsidiaries shall not be deemed to be Associates or a group affiliated with each other or otherwise Acting in
Concert solely as a result of their capacities as such, (ii) shares purchased by Tax-Qualified Employee Stock Benefit Plans shall
not be attributable to the individual trustees or beneficiaries of any such plans for purposes of determining compliance with the
limitations set forth in paragraphs A and B of this Section 14, and (iii) shares purchased by a Tax-Qualified Employee Stock Benefit
Plan </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">pursuant to instructions of an individual in an account in such plan in which the individual has the right to direct the investment,
including any plan of the Bank qualified under Section 401(k) of the Code shall be aggregated and included in that individual&rsquo;s
purchases and not attributed to the Tax-Qualified Employee Stock Benefit Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each Person purchasing
Common Stock in the Offering shall be deemed to confirm that such purchase does not conflict with the above purchase limitations
contained in this Plan.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">15.</TD><TD>PAYMENT FOR SUBSCRIPTION SHARES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">All payments for
Common Stock subscribed for in the Subscription Offering and Community Offering must be delivered in full to the Bank or Holding
Company, together with a properly completed and executed Order Form, on or prior to the expiration date of the Offering; <I>provided,
however</I>, that if the Employee Plans subscribe for shares in the Subscription Offering, such plans will not be required to pay
for the shares at the time they subscribe but rather may pay for shares of Common Stock subscribed for by such plans at the Purchase
Price upon consummation of the Conversion. Subscription funds will be held in a segregated account at the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Payment for Common
Stock subscribed for shall be made by personal check, money order or bank draft. Alternatively, subscribers in the Subscription
and Community Offerings may pay for the shares for which they have subscribed by authorizing the Bank on the Order Form to make
a withdrawal from the designated types of Deposit Accounts at the Bank in an amount equal to the aggregate Purchase Price of such
shares. Such authorized withdrawal shall be without penalty as to premature withdrawal. If the authorized withdrawal is from a
certificate account, and the remaining balance does not meet the applicable minimum balance requirement, the certificate shall
be canceled at the time of withdrawal, without penalty, and the remaining balance will earn interest at the statement savings rate.
Funds for which a withdrawal is authorized will remain in the subscriber&rsquo;s Deposit Account but may not be used by the subscriber
during the Subscription and Community Offerings. Thereafter, the withdrawal will be given effect only to the extent necessary to
satisfy the subscription (to the extent it can be filled) at the Purchase Price per share. Interest will continue to be earned
on any amounts authorized for withdrawal until such withdrawal is given effect. Interest on funds received by check, draft or money
order will be paid by the Bank at not less than the Bank&rsquo;s statement savings rate. Such interest will be paid from the date
payment is processed by the Bank until consummation or termination of the Offering. If for any reason the Offering is not consummated,
all payments made by subscribers in the Subscription and Community Offerings will be refunded to them, with interest. In case of
amounts authorized for withdrawal from Deposit Accounts, refunds will be made by canceling the authorization for withdrawal. The
Bank is prohibited by regulation from knowingly making any loans or granting any lines of credit for the purchase of stock in the
Offering, and therefore, will not do so.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">16.</TD><TD>MANNER OF EXERCISING SUBSCRIPTION RIGHTS THROUGH ORDER FORMS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">As soon as practicable
after the registration statement prepared by the Holding Company has been declared effective by the SEC and the Application for
Conversion has been approved by the Bank Regulators, Order Forms will be distributed to the Eligible Account Holders, Employee
</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Plans, Supplemental Eligible Account Holders and Other Depositors at their last known addresses appearing on the records of the
Bank for the purpose of subscribing for shares of Common Stock in the Subscription Offering and will be made available for use
by those Persons to whom a Prospectus is delivered. Each Order Form will be preceded or accompanied by a Prospectus describing
the Mutual Holding Company, the Mid-Tier Holding Company, the Bank, the Common Stock and the Offering. Each Order Form will contain,
among other things, the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
specified date by which all Order Forms must be received by the Holding Company or its agent, which date shall be not less than
20 days, nor more than 45 days, following the date on which the Order Forms are first mailed to Participants by the Holding Company,
and which date will constitute the expiration of the Subscription Offering unless extended;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Purchase Price per share for shares of Common Stock to be sold in the Offering;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
description of the minimum and maximum number of Subscription Shares which may be subscribed for pursuant to the exercise of subscription
rights, or otherwise purchased in the Subscription and Community Offering;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Instructions
as to how the recipient of the Order Form is to indicate thereon the number of Subscription Shares for which such Person elects
to subscribe and the available alternative methods of payment therefor;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
acknowledgment that the recipient of the Order Form has received a final copy of the Prospectus prior to execution of the Order
Form;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">F.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
statement to the effect that all subscription rights are nontransferable, will be void at the end of the Subscription Offering,
and can only be exercised by delivering to the Holding Company or its agent within the subscription period such properly completed
and executed Order Form, together with payment in the full amount of the aggregate purchase price as specified in the Order Form
for the shares of Common Stock for which the recipient elects to subscribe in the Subscription Offering (or by authorizing on the
Order Form that the Bank withdraw said amount from the subscriber&rsquo;s Deposit Account(s) at the Bank); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">G.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
statement to the effect that the executed Order Form, once received by the Holding Company, may not be modified or amended by the
subscriber without the consent of the Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Notwithstanding
the above, the Holding Company reserves the right in its sole discretion to accept or reject orders received on photocopied or
facsimiled order forms.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">17.</TD><TD>UNDELIVERED, DEFECTIVE OR LATE ORDER FORM; INSUFFICIENT PAYMENT</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event Order
Forms (a) are not delivered or are not timely delivered by the United States Postal Service, (b) are not received by the Holding
Company or are received by the Holding Company or its agent after the expiration date specified thereon, (c) are completed or executed
defectively, (d) are not accompanied by the full required payment for the shares of Common Stock </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">subscribed for (including cases
in which deposit accounts from which withdrawals are authorized are insufficient to cover the amount of the required payment),
or (e) are not mailed pursuant to a &ldquo;no mail&rdquo; order placed in effect by the account holder, the subscription rights
of the Participant to whom such rights have been granted will lapse as though such Participant failed to return the completed Order
Form within the time period specified thereon; <I>provided, however</I>, that the Holding Company may, but will not be required
to, waive any immaterial irregularity on any Order Form or require the submission of corrected Order Forms or the remittance of
full payment for subscribed shares by such date as the Holding Company may specify. The interpretation by the Holding Company of
terms and conditions of this Plan and of the Order Forms will be final, subject to the authority of the Bank Regulators.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">18.</TD><TD>RESIDENTS OF FOREIGN COUNTRIES AND CERTAIN STATES</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Holding Company
will make reasonable efforts to comply with the securities laws of all states in the United States in which Persons entitled to
subscribe for shares of Common Stock pursuant to this Plan reside. However, no such Person will be issued subscription rights or
be permitted to purchase shares of Common Stock in the Subscription Offering if such Person resides (i) in a foreign country or
(ii) in a state of the United States with respect to which any of the following apply: (a) a small number of Persons otherwise
eligible to subscribe for shares under this Plan reside; (b) the issuance of subscription rights or the offer or sale of shares
of Common Stock to such Persons would require the Holding Company under the securities laws of such state, to register as a broker,
dealer, salesman or agent or to register or otherwise qualify its securities for sale in such state; and (c) such registration
or qualification would be impracticable for reasons of cost or otherwise.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">19.</TD><TD>ESTABLISHMENT OF LIQUIDATION ACCOUNT</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Holding Company
shall establish a Liquidation Account at the time of the Conversion in an amount equal to the product of (i) the Majority Ownership
Interest and (ii) the Mid-Tier Holding Company&rsquo;s total stockholders&rsquo; equity as reflected in the latest statement of
financial condition contained in the final Prospectus used in the Conversion, plus the value of the net assets of the Mutual Holding
Company as reflected in the latest statement of financial condition of the Mutual Holding Company before the effective date of
the Conversion (excluding its ownership of Mid-Tier Holding Company common stock). Following the Conversion, the Liquidation Account
will be maintained for the benefit of the Eligible Account Holders and Supplemental Eligible Account Holders who continue to maintain
their Deposit Accounts at the Bank. Each Eligible Account Holder and Supplemental Eligible Account Holder shall, with respect to
his Deposit Account, hold a related inchoate interest in a portion of the Liquidation Account balance in relation to his Deposit
Account balance at the Eligibility Record Date or Supplemental Eligibility Record Date, respectively, or to such balance as it
may be subsequently reduced, as hereinafter provided. The Holding Company also shall cause the Bank to establish and maintain the
Bank Liquidation Account for the benefit of Eligible Account Holders and Supplemental Eligible Account Holders who continue to
maintain their Deposit Accounts at the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the unlikely
event of a complete liquidation of (i) the Bank or (ii) the Bank and the Holding Company (and only in such event) following all
liquidation payments to creditors (including those to Account Holders to the extent of their Deposit Accounts), each Eligible </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Account
Holder and Supplemental Eligible Account Holder shall be entitled to receive a liquidating distribution from the Liquidation Account,
in the amount of the then adjusted subaccount balance for such Eligible Account Holder&rsquo;s or Supplemental Eligible Account
Holder&rsquo;s Deposit Account, before any liquidation distribution may be made to any holders of the Holding Company&rsquo;s capital
stock. A merger, consolidation or similar combination with another depository institution or holding company thereof, in which
the Holding Company and/or the Bank is not the surviving entity, shall not be deemed to be a complete liquidation for this purpose.
In such transactions, the Liquidation Account shall be assumed by the surviving holding company or institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the unlikely
event of a complete liquidation of either (i) the Bank or (ii) the Bank and the Holding Company (and only in such event) following
all liquidation payments to creditors of the Bank (including those to Depositors to the extent of their Deposit Accounts), at a
time when the Bank has a positive net worth and the Holding Company does not have sufficient assets (other than the stock of the
Bank) at the time of liquidation to fund its obligations under the Liquidation Account, the Bank, with respect to the Bank Liquidation
Account shall immediately pay directly to each Eligible Account Holder and Supplemental Eligible Account Holder an amount necessary
to fund the Holding Company&rsquo;s remaining obligations under the Liquidation Account before any liquidating distribution may
be made to any holders of the Bank&rsquo;s capital stock and without making such amount subject to the Holding Company&rsquo;s
creditors. Each Eligible Account Holder and Supplemental Eligible Account Holder shall be entitled to receive a distribution from
the Bank Liquidation Account, in the amount of the then adjusted subaccount balance for his Deposit Account then held, before any
distribution may be made to any holders of the Holding Company&rsquo;s or Bank&rsquo;s capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">In the event of
a complete liquidation of the Holding Company where the Bank is not also completely liquidating, or in the event of a sale or other
disposition of the Holding Company apart from the Bank, each Eligible Account Holder and Supplemental Eligible Account Holder shall
be treated as surrendering such Person&rsquo;s rights to the Liquidation Account and receiving from the Holding Company an equivalent
interest in the Bank Liquidation Account. Each such holder&rsquo;s interest in the Bank Liquidation Account shall be subject to
the same rights and terms as if the Bank Liquidation Account were the Liquidation Account (except that the Holding Company shall
cease to exist).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The initial subaccount
balance for a Deposit Account held by an Eligible Account Holder and Supplemental Eligible Account Holder shall be determined by
multiplying the opening balance in the Liquidation Account by a fraction, the numerator of which is the amount of the Qualifying
Deposits of such Eligible Account Holder or Supplemental Eligible Account Holder and the denominator of which is the total amount
of all Qualifying Deposits of all Eligible Account Holders and Supplemental Eligible Account Holders. For Deposit Accounts in existence
at both the Eligibility Record Date and the Supplemental Eligibility Record Date, separate initial subaccount balances shall be
determined on the basis of the Qualifying Deposits in such Deposit Account on each such record date. Such initial subaccount balance
shall not be increased, but shall be subject to downward adjustment as described below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If, at the close
of business on any fiscal year end closing date, commencing on or after the effective date of the Conversion, the deposit balance
in the Deposit Account of an Eligible Account </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Holder or Supplemental Eligible Account Holder is less than the lesser of (i) the
balance in the Deposit Account at the close of business on any other annual closing date after the Eligibility Record Date or Supplemental
Eligibility Record Date, or (ii) the amount of the Qualifying Deposit in such Deposit Account as of the Eligibility Record Date
or Supplemental Eligibility Record Date, then the subaccount balance for such Deposit Account shall be adjusted downward by reducing
such subaccount balance in an amount proportionate to the reduction in such deposit balance. In the event of a downward adjustment,
the subaccount balance shall not be subsequently increased, notwithstanding any subsequent increase in the deposit balance of the
related Deposit Account. If any such Deposit Account is closed, the related subaccount shall be reduced to zero. A time account
shall be deemed closed upon its maturity regardless of any renewal thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The creation and
maintenance of the Liquidation Account and the Bank Liquidation Account shall not operate to restrict the use or application of
any capital of the Holding Company or the Bank, except that neither the Holding Company nor the Bank shall declare or pay a cash
dividend on, or repurchase any of, its capital stock if the effect thereof would cause its equity to be reduced below: (i) the
amount required for the Liquidation Account or the Bank Liquidation Account, as applicable; or (ii) the regulatory capital requirements
of the Holding Company (to the extent applicable) or the Bank. Neither the Holding Company nor the Bank shall be required to set
aside funds in connection with its obligations hereunder relating to the Liquidation Account and the Bank Liquidation Account,
respectively. Eligible Account Holders and Supplemental Eligible Account Holders do not retain any voting rights in either the
Holding Company or the Bank based on their interests in the Liquidation Account or the Bank Liquidation Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The amount of the
Bank Liquidation Account shall equal at all times the amount of the Liquidation Account, and the Bank Liquidation Account shall
be reduced by the same amount and upon the same terms as any reduction in the Liquidation Account. In no event will any Eligible
Account Holder or Supplemental Eligible Account Holder be entitled to a distribution that exceeds such holder&rsquo;s subaccount
balance in the Liquidation Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">For the three (3)-year
period following the completion of the Conversion, the Holding Company will not without prior Federal Reserve approval (i) sell
or liquidate the Holding Company, or (ii) cause the Bank to be sold or liquidated. Upon the written request of the Federal Reserve
the Holding Company shall, or upon the prior written approval of the Federal Reserve the Holding Company may, at any time after
two years from the completion of the Conversion, transfer the Liquidation Account to the Bank, at which time the Liquidation Account
shall be assumed by the Bank and the interests of Eligible Account Holders and Supplemental Eligible Account Holders will be solely
and exclusively established in the Bank Liquidation Account. In the event such transfer occurs, the Holding Company shall be deemed
to have transferred the Liquidation Account to the Bank and such Liquidation Account shall be subsumed into the Bank Liquidation
Account and shall not be subject in any manner or amount to the claims of the Holding Company&rsquo;s creditors. Approval of this
Plan by the Voting Members and Stockholders shall constitute approval of the transactions described herein.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">20.</TD><TD>VOTING RIGHTS OF STOCKHOLDERS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Following consummation
of the Conversion, the holders of the voting capital stock of the Holding Company shall have the exclusive voting rights with respect
to the Holding Company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">21.</TD><TD>RESTRICTIONS ON RESALE OR SUBSEQUENT DISPOSITION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
Subscription Shares purchased by Directors or Officers of the Mutual Holding Company, the Mid-Tier Holding Company or the Bank
in the Offering shall be subject to the restriction that, except as provided in this Section or as may be approved by the Bank
Regulators, no interest in such shares may be sold or otherwise disposed of for value for a period of one year following the date
of purchase in the Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
restriction on disposition of Subscription Shares set forth in paragraph A of this Section shall not apply to the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">Any exchange of such shares in connection with a merger or acquisition involving the Bank or the
Holding Company, as the case may be, which has been approved by the appropriate state and federal regulatory agencies; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Any disposition of such shares following the death of the person to whom such shares were initially
sold under the terms of this Plan.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to all Subscription Shares subject to restrictions on resale or subsequent disposition, each of the following provisions
shall apply:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">Each certificate representing shares restricted by this section shall bear a legend giving notice
of the restriction;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">Instructions shall be issued to the stock transfer agent for the Holding Company not to recognize
or effect any transfer of any certificate or record of ownership of any such shares in violation of the restriction on transfer;
and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">3.</TD><TD STYLE="text-align: justify">Any shares of capital stock of the Holding Company issued with respect to a stock dividend, stock
split, or otherwise with respect to ownership of outstanding Subscription Shares subject to the restriction on transfer hereunder
shall be subject to the same restriction as is applicable to such Subscription Shares.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">22.</TD><TD>REQUIREMENTS FOR STOCK PURCHASES BY DIRECTORS AND OFFICERS FOLLOWING THE CONVERSION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">For a period of
three years following the Conversion, no Officer, Director or their Associates shall purchase, without the prior written approval
of the Bank Regulators, any outstanding shares of Common Stock except from a broker-dealer registered with the SEC. This provision
shall not apply to negotiated transactions involving more than 1% of the outstanding shares of Common Stock, the exercise of any
options pursuant to a stock option plan or purchases of Common Stock made by or held by any Tax-Qualified Employee Stock Benefit
Plan or Non-Tax-Qualified Employee Stock Benefit Plan of the Bank or the Holding Company (including the Employee Plans) which may
be attributable to any Officer or Director. As used herein, the term &ldquo;negotiated transaction&rdquo; means a transaction in
which the securities are offered and the terms and arrangements relating to any sale are arrived at through direct communications
between the seller </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">or any person acting on its behalf and the purchaser or his investment representative. The term &ldquo;investment
representative&rdquo; shall mean a professional investment advisor acting as agent for the purchaser and independent of the seller
and not acting on behalf of the seller in connection with the transaction.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">23.</TD><TD>DEPOSIT ACCOUNTS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Each person holding
a Deposit Account at the Bank at the time of Conversion shall retain an identical Deposit Account at the Bank following Conversion
in the same amount and subject to the same terms and conditions (except as to voting and liquidation rights) applicable to such
Deposit Account in the Bank immediately prior to completion of the Conversion.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">24.</TD><TD>REGISTRATION AND MARKETING</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Holding Company
will register the Common Stock issued in the Conversion pursuant to the Securities Exchange Act of 1934 and will not deregister
such securities for a period of at least three years thereafter, except that the requirement to maintain the registration of such
securities for three years may be fulfilled by any successor to the Holding Company. In addition, the Holding Company will use
its best efforts to encourage and assist a market-maker to establish and maintain a market for its Common Conversion Stock and
to list those securities on a national or regional securities exchange.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">25.</TD><TD>TAX RULINGS OR OPINIONS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Consummation of
the Conversion is expressly conditioned upon prior receipt by the Mutual Holding Company, the Mid-Tier Holding Company and the
Bank of either a ruling, an opinion of counsel or a letter of advice from their tax advisor regarding the federal and state income
tax consequences of the Conversion to the Mutual Holding Company, the Mid-Tier Holding Company the Bank and Depositors, including
Depositors receiving subscription rights in the Conversion.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">26.</TD><TD>STOCK BENEFIT PLANS AND EMPLOYMENT AGREEMENTS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Holding Company and the Bank are authorized to adopt additional Tax-Qualified Employee Stock Benefit Plans in connection with the
Conversion, including without limitation, an ESOP. Existing as well as any newly created Tax-Qualified Employee Stock Benefit Plans
may purchase shares of Common Stock in the Offering, to the extent permitted by the terms of such benefit plans and this Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Holding Company and the Bank are authorized to adopt stock option plans, restricted stock award plans and other Non-Tax-Qualified
Employee Stock Benefit Plans, provided that such plans conform to applicable regulations. The Holding Company and the Bank intend
to implement a stock option plan and a restricted stock award plan no earlier than six months after completion of the Conversion.
Stockholder approval of these plans will be required. If adopted within 12 months following the completion of the Conversion, the
stock option plan will reserve a number of shares equal to up to 10% of the shares sold in the Offering and the stock award plan
will reserve a number of shares equal to up to 4% of the shares sold in the Offering for awards to employees and directors at no
cost to the recipients (unless the Bank&rsquo;s tangible capital is less than 10% upon completion of the Offering in which case
the stock award plan will reserve a number of </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">shares equal to up to 3% of the shares sold in the Offering). Non-Tax-Qualified Employee
Stock Benefit Plans implemented more than one year following the completion of the Conversion are not subject to the restrictions
set forth in the preceding sentence. Shares for such plans may be issued from authorized but unissued shares, treasury shares or
repurchased shares.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">27.</TD><TD>RESTRICTIONS ON ACQUISITION OF BANK AND HOLDING COMPANY</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify; width: 0.5in">(1)</TD>
                                                              <TD STYLE="text-align: justify">The charter of the Bank may contain a provision stipulating that no person, except the Holding Company, for a period of five years
following the closing date of the Conversion, may directly or indirectly acquire or offer to acquire the beneficial ownership
of more than 10% of any class of equity security of the Bank, without the prior written approval of the Federal Reserve. In addition,
such charter may also provide that for a period of five years following the closing date of the Conversion, shares beneficially
owned in violation of the above-described charter provision shall not be entitled to vote and shall not be voted by any person
or counted as voting stock in connection with any matter submitted to stockholders for a vote.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -40.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 67.5pt"></TD><TD STYLE="width: 40.5pt">(2)</TD><TD STYLE="text-align: justify">For a period of three years from the date of consummation of the Conversion, no person, other than
the Holding Company, shall directly or indirectly offer to acquire or acquire the beneficial ownership of more than 10% of any
class of equity security of the Bank without the prior written approval of the Federal Reserve. Nothing in this Plan shall prohibit
the Holding Company from taking actions permitted under 12 C.F.R. 239.63(f).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-indent: -40.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Certificate of Incorporation of the Holding Company contains a provision stipulating that in no event shall any record owner of
any outstanding shares of Common Stock who beneficially owns in excess of 10% of such outstanding shares be entitled or permitted
to any vote with respect to any shares held in excess of 10%.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">28.</TD><TD>PAYMENT OF DIVIDENDS AND REPURCHASE OF STOCK</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Holding Company shall comply with applicable regulations in the repurchase of any shares of its capital stock following consummation
of the Conversion. The Holding Company shall not declare or pay a cash dividend on, or repurchase any of, its capital stock, if
such dividend or repurchase would reduce its capital below the amount then required for the Liquidation Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Bank shall not declare or pay a cash dividend on, or repurchase any of, its capital stock if the effect thereof would cause its
regulatory capital to be reduced below its applicable regulatory capital requirements.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">29.</TD><TD>CERTIFICATE OF INCORPORATION AND BYLAWS</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">By voting to approve
this Plan, Voting Depositors and Stockholders will be voting to adopt the amendments to the Certificate of Incorporation of the
Holding Company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">30.</TD><TD>CONSUMMATION OF CONVERSION AND EFFECTIVE DATE</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Effective Date
of the Conversion shall be the date upon which the Certificate of Merger with respect to the MHC Merger are filed with the Secretary
of State of the State of Delaware and the Secretary of State of the State of New Jersey (if required). The Certificate of Merger
shall be filed after all requisite regulatory, depositor and stockholder approvals have been obtained, all applicable waiting periods
have expired, and sufficient subscriptions and orders for Subscription Shares have been received. The closing of the issuance and
sale of all shares of Conversion Stock in the Offering and Exchange Offering shall occur simultaneously on the effective date of
the closing.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">31.</TD><TD>EXPENSES OF CONVERSION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">The Parties may
retain and pay for the services of legal, financial and other advisors, including one or more Underwriters or securities brokers
and an independent appraisal firm, to assist in connection with any or all aspects of the Conversion and the Offering, and such
parties shall use their best efforts to assure that such expenses are be reasonable.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">32.</TD><TD>AMENDMENT OR TERMINATION OF PLAN</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">If deemed necessary
or desirable, this Plan may be substantively amended by the Boards of Directors as a result of comments from the Bank Regulators
or otherwise at any time by the Boards of Directors prior to the Special Meeting of Depositors and Special Meeting of Stockholders
to vote on this Plan, and at any time thereafter by the Boards of Directors with the concurrence of the Bank Regulators. Any amendment
to this Plan made after approval by Voting Depositors and Stockholders with the approval of the Bank Regulators shall not require
further approval by Voting Depositors or Stockholders unless otherwise required by the Bank Regulators. The Boards of Directors
may terminate this Plan at any time prior to the Special Meeting of Depositors and the Special Meeting of Stockholders, and at
any time thereafter with the concurrence or approval of the Bank Regulators.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">By adoption of this
Plan, Voting Depositors and Stockholders authorize the Boards of Directors to amend or terminate this Plan under the circumstances
set forth in this Section.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">33.</TD><TD>CONDITIONS TO CONVERSION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">Consummation of
the Conversion pursuant to this Plan is expressly conditioned upon the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
receipt by the Mutual Holding Company, the Mid-Tier Holding Company and the Bank of rulings of the United States Internal Revenue
Service and the state taxing authorities, or opinions of counsel or tax advisers as described in Section&nbsp;25 hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
issuance of the Subscription Shares offered in the Conversion;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
issuance of Exchange Shares; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
completion of the Conversion within the time period specified in Section&nbsp;3 of this Plan.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">34.</TD><TD>INTERPRETATION</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">All interpretations
of this Plan and application of its provisions to particular circumstances by a majority of the Boards of Directors shall be final,
subject to the authority of the Bank Regulators.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">EXHIBIT
A</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">FORM OF AGREEMENT
OF MERGER BETWEEN</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">Magyar Bancorp,
MHC AND</P>

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


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">AGREEMENT OF
MERGER BETWEEN</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-transform: uppercase; text-align: center">magyar BANCORP,
mhc AND<BR>
MAGYAR BANCORP, INC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>THIS AGREEMENT
OF MERGER</B> (the &ldquo;MHC Merger Agreement&rdquo;) dated as of _______________, is made by and between Magyar Bancorp, MHC,
a New Jersey mutual holding company (the &ldquo;Mutual Holding Company&rdquo;) and Magyar Bancorp, Inc., a Delaware corporation
(the &ldquo;Mid-Tier Holding Company&rdquo;). Capitalized terms have the respective meanings given them in the Plan of Conversion
and Reorganization (the &ldquo;Plan&rdquo;) of the Mutual Holding Company, unless otherwise defined herein.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: center">R E C
I T A L S:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Mutual Holding Company is a New Jersey-chartered mutual holding company that owns 55% of the common stock of the Mid-Tier Holding
Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Mid-Tier Holding Company is a Delaware corporation that owns 100% of the common stock of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
boards of directors of the Mutual Holding Company and the Mid-Tier Holding Company have approved this MHC Merger Agreement whereby
the Mutual Holding Company shall merge with and into the Mid-Tier Holding Company with the Mid-Tier Holding Company as the surviving
or resulting corporation (the &ldquo;MHC Merger&rdquo;), and have authorized the execution and delivery thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE,</B>
in consideration of the premises and mutual agreements contained herein, the parties hereto have agreed as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Merger</B>.
At and on the Effective Date of the MHC Merger, the Mutual Holding Company will merge with and into the Mid-Tier Holding Company
with the Mid-Tier Holding Company as the resulting entity (&ldquo;Resulting Corporation&rdquo;) whereby the shares of Mid-Tier
Holding Company common stock held by the Mutual Holding Company will be canceled and Qualifying Depositors of the Bank will constructively
receive liquidation interests in the Mid-Tier Holding Company in exchange for their liquidation interests in the Mutual Holding
Company, and the Minority Stockholders of Mid-Tier Holding Company will exchange their shares of Mid-Tier Holding Company Common
Stock for Holding Company Common Stock in the Exchange Offering pursuant to the Exchange Ratio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Certificate
of Incorporation and Bylaws of Mid-Tier Holding Company. </B>The Certificate of Incorporation of the Mid-Tier Holding Company shall
be amended to increase the number of authorized shares of common stock and preferred stock, to include a forum selection provision
identifying the Court of Chancery of the State of Delaware as the forum, generally, for all lawsuits against or in the name of
Bancorp and to establish a liquidation account. The bylaws of the Mid-Tier Company shall be unchanged as the result of the MHC
Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Effective
Date</B>. The MHC Merger shall not be effective until and unless the Plan is approved by the Federal Reserve and the Department
after approval of this MHC Merger </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Agreement by (i) at least two-thirds of the votes eligible to be cast by the Stockholders of
the Mid-Tier Holding Company, (ii) a majority of the votes eligible to be cast by Minority Stockholders, and (iii) a majority of
the votes eligible to be cast by Voting Depositors, and the Certificate of Merger shall have been filed with applicable state authorities
with respect to the MHC Merger. Approval of the Plan by the Voting Depositors shall constitute approval of the MHC Merger Agreement
by the Voting Depositors. Approval of the Plan by Stockholders of the Mid-Tier Holding Company, including the Minority Stockholders,
shall constitute approval of the MHC Merger Agreement by such Stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Name</B>.
The name of the Resulting Corporation shall be Magyar Bancorp, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Offices</B>.
The main office of the Resulting Corporation shall be 400 Somerset Street, New Brunswick, New Jersey 08901.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Directors
and Officers</B>. The directors and officers of the Mid-Tier Holding Company immediately prior to the Effective Date shall be the
directors and officers of the Resulting Corporation after the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">7.<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rights
and Duties of the Resulting Corporation</B>. At the Effective Date, the Mutual Holding Company shall be merged with and into the
Mid-Tier Holding Company with the Mid-Tier Holding Company as the Resulting Corporation. The business of the Resulting Corporation
shall be that of a Delaware corporation as provided in its certificate of incorporation. All assets, rights, interests, privileges,
powers, franchises and property (real, personal and mixed) of the Mid-Tier Holding Company and the Mutual Holding Company shall
be transferred automatically to and vested in the Resulting Corporation by virtue of the MHC Merger without any deed or other document
of transfer. The Resulting Corporation, without any order or action on the part of any court or otherwise and without any documents
of assumption or assignment, shall hold and enjoy all of the properties, franchises and interests, including appointments, powers,
designations, nominations and all other rights and interests as the agent or other fiduciary in the same manner and to the same
extent as such rights, franchises, and interests and powers were held or enjoyed by the Mid-Tier Holding Company and the Mutual
Holding Company. The Resulting Corporation shall be responsible for all of the liabilities, restrictions and duties of every kind
and description of the Mid-Tier Holding Company and the Mutual Holding Company immediately prior to the MHC Merger, including liabilities
for all debts, obligations and contracts of the Mid-Tier Holding Company and the Mutual Holding Company, matured or unmatured,
whether accrued, absolute, contingent or otherwise and whether or not reflected or reserved against on balance sheets, books of
accounts or records of the Mid-Tier Holding Company or the Mutual Holding Company. The stockholders of the Mid-Tier Holding Company
shall possess all voting rights with respect to the shares of stock of the Resulting Corporation. All rights of creditors and other
obligees and all liens on property of the Mid-Tier Holding Company and the Mutual Holding Company shall be preserved and shall
not be released or impaired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Rights
of Stockholders</B>. At the Effective Date, the shares of Mid-Tier Holding Company common stock held by the Mutual Holding Company
will be canceled and Qualifying Depositors of the Bank will constructively receive liquidation interests in the Mid-Tier Holding
Company in exchange for their liquidation interests in the Mutual Holding Company. Minority Stockholders&rsquo; rights will remain
unchanged.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Other
Terms</B>. All terms used in this MHC Merger Agreement shall, unless defined herein, have the meanings set forth in the Plan. The
Plan is incorporated herein by this reference and made a part hereof to the extent necessary or appropriate to effect and consummate
the terms of this MHC Merger Agreement and the Conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>,
the Mutual Holding Company and the Mid-Tier Holding Company have caused this MHC Merger Agreement to be executed as of the date
first above written.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 3in"><B>Magyar Bancorp, MHC</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>(a New Jersey mutual holding company)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>ATTEST:</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Karen LeBlon, Secretary</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>John S. Fitzgerald</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>President and Chief Executive Officer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><B>Magyar Bancorp, Inc.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>(a Delaware corporation)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>ATTEST:</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Karen LeBlon, Secretary</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>John S. Fitzgerald</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>President and Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: right; margin: 0">Exhibit 99.1</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt; text-align: center"><B><IMG SRC="image_001.jpg" ALT="Magyar_Bancorp_LOGO_2C" STYLE="height: 121px; width: 384px"></B></TD>
    <TD STYLE="vertical-align: bottom; width: 50%; font-size: 10pt; text-align: left"><FONT STYLE="font-size: 24pt"><B>News</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>400 Somerset St., New Brunswick, NJ 08901</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>732.342.7600</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>MAGYAR BANCORP, INC. ANNOUNCES ADOPTION OF
PLAN OF CONVERSION </B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>New Brunswick, New Jersey, February 26,
2021</B> &ndash; Magyar Bancorp, Inc. (NASDAQ: MGYR) (the &ldquo;Company&rdquo;), parent company of Magyar Bank, announced today
that its Board of Directors, together with the Board of Directors of Magyar Bancorp, MHC (the &ldquo;MHC&rdquo;), has adopted a
Plan of Conversion and Reorganization (the &ldquo;Plan of Conversion&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Pursuant to the Plan of Conversion, the Company
will reorganize into a fully public stock holding company structure and as part of the conversion will conduct a second-step stock
offering of new shares of common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">As part of the conversion, the MHC will
merge into the Company and will cease to exist, and shares of the Company&rsquo;s common stock held by persons other than the
MHC will be converted for new shares of the Company&rsquo;s common stock pursuant to an exchange ratio generally intended to
preserve the percentage ownership interests of such persons in the Company upon consummation of the conversion. Shares of
Company common stock owned by the MHC will be canceled and the amount of the MHC&rsquo;s ownership interest in the Company
will be sold through the second-step stock offering. In the stock offering, depositors of Magyar Bank with qualifying
deposits as of December 31, 2019 will have first priority to purchase the new shares of common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The conversion and offering will have no impact
on depositors, borrowers or other customers of Magyar Bank. The transactions contemplated by the Plan of Conversion are subject
to approval by the Company&rsquo;s stockholders (including approval by a majority of the shares held by persons other than the
MHC), the depositors of Magyar Bank, the Board of Governors of the Federal Reserve System and the New Jersey Department of Banking
and Insurance.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A prospectus or proxy statement/prospectus,
as applicable, and other materials containing detailed information relating to the Plan of Conversion, details of the offering,
and business and financial information about the Company will be sent to stockholders of the Company and depositors of Magyar Bank
following receipt of regulatory approval.</P>

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Certain statements contained herein constitute
&ldquo;forward-looking statements&rdquo; within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the
Securities Exchange Act of 1934 and are intended to be covered by the safe harbor provisions of the Private Securities Litigation
Reform Act of 1995. Such statements may be identified by words such as &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;would,&rdquo;
&ldquo;intend,&rdquo; &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;plan,&rdquo; &ldquo;estimate,&rdquo; &ldquo;anticipate,&rdquo;
&ldquo;continue,&rdquo; or similar terms or variations on those terms, or the negative of those terms. These statements are based
upon the current beliefs and expectations of Company management and are subject to significant risks and uncertainties. Actual
results may differ materially from those set forth in the forward-looking statements as a result of numerous factors. Factors that
could cause such differences to exist include, but are not limited to: the failure to obtain the approval of the Board of Governors
of the Federal Reserve System and/or the New Jersey Department of Banking and Insurance for the proposed conversion and related
stock offering, delays in obtaining such approvals, or adverse conditions imposed in connection with such approvals; those related
to the real estate and economic environment, particularly in the market areas in which the Company operates; fiscal and monetary
policies of the U.S. Government; changes in government regulations affecting financial institutions, including regulatory compliance
costs and capital requirements; fluctuations in the adequacy of loan loss reserves; decreases in deposit levels necessitating increased
borrowing to fund loans and investments; the effects of any pandemic, including COVID-19; operational risks including, but not
limited to, cybersecurity, fraud and natural disasters; the risk that the Company may not be successful in the implementation of
its business strategy; changes in prevailing interest rates; credit risk management; asset-liability management; and other risks
described in the Company&rsquo;s filings with the Securities and Exchange Commission, which are available at the SEC&rsquo;s website,
www.sec.gov.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-align: justify; background-color: white">The Company
wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made.
The Company wishes to advise readers that the factors listed above or other factors could affect the Company&rsquo;s financial
performance and could cause the Company&rsquo;s actual results for future periods to differ materially from any opinions or statements
expressed with respect to future periods in any current statements. The Company does not undertake and specifically disclaims any
obligation to publicly release the results of any revisions, which may be made to any forward-looking statements to reflect events
or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; background-color: white"><B><U>About Magyar Bancorp, Inc.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-right: 0; margin-bottom: 0; margin-left: 0">Magyar
Bancorp, Inc. is the parent company of Magyar Bank, a community bank headquartered in New Brunswick, New Jersey. Magyar Bank has
been serving families and businesses in Central New Jersey since 1922 with a complete line of financial products and services.
Magyar Bank operates seven branch locations in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison
(2). Please visit us online at www.magbank.com.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>Important Additional Information and Where to Find It</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">In connection with the proposed transaction,
Magyar Bancorp, Inc. will file with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;) a registration statement on
Form S-1 that will include a proxy statement of the Company and a prospectus for the shares of common stock being offered, as well
as other relevant documents concerning the proposed transaction. This communication does not constitute an offer to sell or the
solicitation of an offer to buy any securities or a solicitation of any vote or approval. STOCKHOLDERS OF THE COMPANY ARE URGED
TO READ THE REGISTRATION STATEMENT, THE PROXY STATEMENT, AND THE PROSPECTUS CAREFULLY WHEN THEY BECOME AVAILABLE AND ANY OTHER
RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT
INFORMATION. When filed, these documents and other documents relating to the proposed transaction can be obtained free of charge
from the SEC&rsquo;s website at <I>www.sec.gov</I>. Alternatively, these documents, when available, can be obtained free-of-charge
from the Company upon written request to Magyar Bancorp, Inc., 400 Somerset Street, New Brunswick, New Jersey 08901, Attention:
John Reissner, or by calling (732) 214-2083.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>Participants in the Solicitation</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company and certain of its directors, executive
officers and employees may be deemed to be participants in the solicitation of proxies with respect of the proposed transaction.
Information regarding the Company&rsquo;s directors and executive officers is available in its definitive proxy statement for its
Annual Meeting of Stockholders for the year ended September 30, 2020, filed with the SEC on January 6, 2021. Other information
regarding the participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings
or otherwise, will be contained in the proxy statement, the prospectus, and other relevant materials filed with the SEC, as described
above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-right: 0; margin-left: 0"><B>This release is neither
an offer to sell nor a solicitation of an offer to buy common stock. The offer is made only by the prospectus when accompanied
by a stock order form. The shares of the Company&rsquo;s common stock are not savings accounts or savings deposits, may lose value
and are not insured by the Federal Deposit Insurance Corporation or any other government agency.</B></P>

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

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

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

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