<SEC-DOCUMENT>0001104659-23-101338.txt : 20230918
<SEC-HEADER>0001104659-23-101338.hdr.sgml : 20230918
<ACCEPTANCE-DATETIME>20230918060249
ACCESSION NUMBER:		0001104659-23-101338
CONFORMED SUBMISSION TYPE:	SC 13D
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20230918
DATE AS OF CHANGE:		20230918
GROUP MEMBERS:		STILWELL ACTIVIST FUND, L.P.
GROUP MEMBERS:		STILWELL ACTIVIST INVESTMENTS, L.P.
GROUP MEMBERS:		STILWELL PARTNERS, L.P.
GROUP MEMBERS:		STILWELL VALUE LLC

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			IF Bancorp, Inc.
		CENTRAL INDEX KEY:			0001514743
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				451834449
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		SC 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-86448
		FILM NUMBER:		231260035

	BUSINESS ADDRESS:	
		STREET 1:		201 E. CHERRY ST
		CITY:			WATSEKA
		STATE:			IL
		ZIP:			60970
		BUSINESS PHONE:		(815) 432-2476

	MAIL ADDRESS:	
		STREET 1:		201 E. CHERRY ST
		CITY:			WATSEKA
		STATE:			IL
		ZIP:			60970

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STILWELL JOSEPH
		CENTRAL INDEX KEY:			0001113303

	FILING VALUES:
		FORM TYPE:		SC 13D

	MAIL ADDRESS:	
		STREET 1:		111 BROADWAY, 12TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10006
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D
<SEQUENCE>1
<FILENAME>tm2326299d1_sc13d.htm
<DESCRIPTION>SC 13D
<TEXT>
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    <TD STYLE="width: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;1 </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SCHEDULE 13D</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Under the Securities Exchange Act of 1934<BR>
(Amendment No.)</B></P>

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

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>IF BANCORP,&nbsp;INC.</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name of Issuer)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Common Shares, no par value&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">44951J105&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(CUSIP Number)</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">200 Calle del Santo Cristo</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Segundo Piso<BR>
San Juan, Puerto Rico 00901</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Telephone: (787) 985-2193</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name, Address and Telephone Number of Person</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Authorized to Receive Notices and Communications)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">September&nbsp;7, 2023<BR>
(Date of Event which Requires Filing of this Statement)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D,
and is filing this schedule because of &sect;&sect;240.13d-1(e), 240.13d-1(f)&nbsp;or 240.13d-1(g), check the following box. </FONT><FONT STYLE="font-family: Wingdings">&uml;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information required on the remainder of this
cover page&nbsp;shall not be deemed to be &ldquo;filed&rdquo; for the purpose of Section&nbsp;18 of the Securities Exchange Act of 1934
(&ldquo;Act&rdquo;) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of
the Act (however, see the Notes).</P>

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

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;2 </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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    <TD STYLE="vertical-align: top; width: 5%; border: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 90%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Names of Reporting Persons. I.R.S. Identification Nos. of above persons (entities only).</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stilwell Activist Fund, L.P.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a) <FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC Use Only </FONT></TD></TR>
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    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Source of Funds (See Instructions) WC, OO</FONT></TD></TR>
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    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d)&nbsp;or 2(e) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizenship or Place of Organization:<BR>
Delaware</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="4" STYLE="vertical-align: top; width: 10%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each<BR>
Reporting<BR>
Person With</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7. Sole Voting Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8. Shared Voting Power: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9. Sole Dispositive Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;&nbsp;&nbsp;<BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;10. Shared Dispositive Power: 221,736&nbsp;&nbsp;<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate Amount Beneficially Owned by Each Reporting Person: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percent of Class&nbsp;Represented by Amount in Row (11): 6.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type of Reporting Person (See Instructions)<BR>
PN</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;3 </FONT></TD></TR>
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    <TD STYLE="vertical-align: top; width: 5%; border: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 90%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Names of Reporting Persons. I.R.S. Identification Nos. of above persons (entities only).</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stilwell Activist Investments, L.P.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a) <FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC Use Only </FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Source of Funds (See Instructions) WC, OO</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d)&nbsp;or 2(e) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizenship or Place of Organization:<BR>
Delaware</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="4" STYLE="vertical-align: top; width: 10%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each<BR>
Reporting<BR>
Person With</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7. Sole Voting Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8. Shared Voting Power: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9. Sole Dispositive Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;<BR>
 &#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10. Shared Dispositive Power: 221,736&nbsp;<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate Amount Beneficially Owned by Each Reporting Person: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percent of Class&nbsp;Represented by Amount in Row (11): 6.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type of Reporting Person (See Instructions)<BR>
PN</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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<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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;4 </FONT></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 90%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Names of Reporting Persons. I.R.S. Identification Nos. of above persons (entities only).</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stilwell Partners, L.P.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a) <FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC Use Only </FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Source of Funds (See Instructions) WC, OO</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d)&nbsp;or 2(e) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizenship or Place of Organization:<BR>
Delaware</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="4" STYLE="vertical-align: top; width: 10%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each<BR>
Reporting<BR>
Person With</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7. Sole Voting Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8. Shared Voting Power: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9. Sole Dispositive Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;<BR>
 &#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10. Shared Dispositive Power: 221,736&nbsp;<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate Amount Beneficially Owned by Each Reporting Person: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percent of Class&nbsp;Represented by Amount in Row (11): 6.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type of Reporting Person (See Instructions)<BR>
PN</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;5 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 90%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Names of Reporting Persons. I.R.S. Identification Nos. of above persons (entities only).</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stilwell Value LLC</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a) <FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&nbsp; <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC Use Only </FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Source of Funds (See Instructions) N/A</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d)&nbsp;or 2(e) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizenship or Place of Organization:<BR>
Delaware</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="4" STYLE="vertical-align: top; width: 10%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each<BR>
Reporting<BR>
Person With</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7. Sole Voting Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8. Shared Voting Power: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9. Sole Dispositive Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;<BR>
 &#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10. Shared Dispositive Power: 221,736&nbsp;&nbsp;<BR>
 &nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  </TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate Amount Beneficially Owned by Each Reporting Person: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percent of Class&nbsp;Represented by Amount in Row (11): 6.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type of Reporting Person (See Instructions)<BR>
OO</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;6 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="width: 90%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2.75pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Names of Reporting Persons. I.R.S. Identification Nos. of above persons (entities only).</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph Stilwell</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&#8239; <FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&nbsp; <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC Use Only </FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Source of Funds (See Instructions) PF,OO</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d)&nbsp;or 2(e) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizenship or Place of Organization:<BR>
United States</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="4" STYLE="vertical-align: top; width: 10%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 3pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each<BR>
Reporting<BR>
Person With</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7. Sole Voting Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8. Shared Voting Power: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding: 3pt 3pt 5pt 2.5pt; border-right: black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9. Sole Dispositive Power: 0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;<BR>
 &#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10. Shared Dispositive Power: 221,736&nbsp;&nbsp;<BR>
 &nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT></TD>
    <TD STYLE="width: 90%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate Amount Beneficially Owned by Each Reporting Person: 221,736</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percent of Class&nbsp;Represented by Amount in Row (11): 6.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 2.5pt; padding-right: 3pt; padding-left: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type of Reporting Person (See Instructions)<BR>
IN</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 3pt 3.5pt 3pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 3pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 3pt 4pt 3pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;7 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 1. Security and Issuer</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Schedule 13D is being
filed jointly by Stilwell Activist Fund, L.P., a Delaware limited partnership (&ldquo;Stilwell Activist Fund&rdquo;); Stilwell Activist
Investments, L.P., a Delaware limited partnership (&ldquo;Stilwell Activist Investments&rdquo;); Stilwell Partners, L.P., a Delaware limited
partnership (&ldquo;Stilwell Partners&rdquo;); Stilwell Value LLC, a Delaware limited liability company (&ldquo;Stilwell Value LLC&rdquo;)
and the general partner of Stilwell Activist Fund, Stilwell Activist Investments, and Stilwell Partners; and Joseph Stilwell, the managing
member and owner of Stilwell Value LLC. All the filers of this statement are collectively referred to herein as the &ldquo;Group.&rdquo;</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This statement relates to the common stock, par
value $0.01 per share (&ldquo;Common Stock&rdquo;), of IF Bancorp,&nbsp;Inc. (the &ldquo;Issuer&rdquo;). The address of the principal
executive offices of the Issuer is 201 East Cherry Street, Watseka,&nbsp;Illinois 60970.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 2. Identity and Background</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)-(c)&nbsp;This statement
is filed by Joseph Stilwell with respect to the shares of Common Stock beneficially owned by Joseph Stilwell, including shares of Common
Stock held in the names of Stilwell Activist Fund, Stilwell Activist Investments, and Stilwell Partners, in Joseph Stilwell&rsquo;s capacities
as the managing member and owner of Stilwell Value LLC, which is the general partner of Stilwell Activist Fund, Stilwell Activist Investments,
and Stilwell Partners.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The business address of Stilwell
Activist Fund, Stilwell Activist Investments, Stilwell Partners, and Stilwell Value LLC is 111 Broadway, 12<SUP>th</SUP>&nbsp;Floor, New
York, New York 10006. The business address of Joseph Stilwell is 200 Calle del Santo Cristo, Segundo Piso, San Juan, Puerto Rico 00901.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The principal employment of
Joseph Stilwell is investment management. Stilwell Activist Fund, Stilwell Activist Investments, and Stilwell Partners are private investment
partnerships engaged in the purchase and sale of securities for their own accounts. Stilwell Value LLC serves as the general partner of
Stilwell Activist Fund, Stilwell Activist Investments, Stilwell Partners, and related partnerships.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;During the past five
years, no member of the Group has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;During the past five
years, no member of the Group has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and,
as a result of such proceeding, was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting
or mandating activities subject to, Federal or State securities laws or finding any violation with respect to such laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;Joseph Stilwell is
a citizen of the United States.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 3pt 3.5pt 3pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 3pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 3pt 4pt 3pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;8 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 3. Source and Amount of Funds or Other
Consideration</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Stilwell Partners has expended
a total of $231,582.75 to acquire 22,833 shares of Common Stock. Such funds were provided from Stilwell Partners&rsquo; working capital
and may, from time to time, be provided in part by margin account loans from subsidiaries of Morgan Stanley extended in the ordinary course
of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Stilwell Activist Fund has
expended $1,160,624.75 to acquire 72,779 shares of Common Stock. Such funds were provided from Stilwell Activist Fund&rsquo;s working
capital and may, from time to time, be provided in part by margin account loans from subsidiaries of Morgan Stanley extended in the ordinary
course of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Stilwell Activist Investments
has expended $9,141,489.97 to acquire 581,716 shares of Common Stock. Such funds were provided from Stilwell Activist Investments&rsquo;
working capital and may, from time to time, be provided in part by margin account loans from subsidiaries of Morgan Stanley or Interactive
Brokers extended in the ordinary course of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All purchases of shares of
Common Stock made by the Group using funds borrowed from subsidiaries of Morgan Stanley or Interactive Brokers, if any, were made in margin
transactions on their usual terms and conditions, except as disclosed below in Item 5. All or part of the shares of Common Stock owned
by members of the Group may from time to time be pledged with one or more banking institutions or brokerage firms as collateral for loans
made by such entities to members of the Group. Such loans generally bear interest at a rate based on the broker&rsquo;s call rate from
time to time in effect. Such indebtedness, if any, may be refinanced with other banks or broker-dealers.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 4. Purpose of Transaction</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We hope to work with management and the board to
maximize shareholder value.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our purpose in acquiring shares of Common Stock
of the Issuer is to profit from the appreciation in the market price of the shares of Common Stock through asserting shareholder rights.
We do not believe the value of the Issuer&rsquo;s assets is adequately reflected in the current market price of the Issuer&rsquo;s Common
Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Members of the Group may seek
to make additional purchases or sales of shares of Common Stock. Except as described in this filing, no member of the Group has any plans
or proposals which relate to, or could result in, any of the matters referred to in paragraphs (a)&nbsp;through (j), inclusive, of Item
4 of Schedule 13D. Members of the Group may, at any time and from time to time, review or reconsider their positions and formulate plans
or proposals with respect thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Since 2000, members or affiliates
of the Group have taken an &lsquo;activist position&rsquo; in 74 other publicly-traded companies. Currently, members or affiliates of
the Group file Schedule 13Ds to disclose greater than 5% positions only in SEC-reporting companies. For simplicity, these affiliates are
referred to below as the &ldquo;Group,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; or &ldquo;our.&rdquo; In each instance, our purpose
has been to profit from the appreciation in the market price of the shares we held by asserting shareholder rights. In addition, we believed
that the values of the companies&rsquo; assets were not adequately reflected in the market prices of their shares. Our actions are described
below. We have categorized the descriptions of our actions with regard to the issuers based upon certain outcomes (whether or not, directly
or indirectly, such outcomes resulted from the actions of the Group). Within categories I through III below, the descriptions are listed
in chronological order based upon the completion date of the investment; within categories IV through VII below, the descriptions are
listed in chronological order based upon the respective filing dates of the originally-filed Schedule 13Ds, or, in limited instances,
the acquisition date of the 5% position of a non-reporting company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>I. After we asserted shareholder rights, the
following issuers were sold or merged:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Security
of Pennsylvania Financial Corp. (&ldquo;SPN&rdquo;)</U></FONT> - We filed our original Schedule 13D to report our position on May&nbsp;1,
2000. We scheduled a meeting with senior management to discuss ways to maximize the value of SPN&rsquo;s assets. On June&nbsp;2, 2000,
prior to the scheduled meeting, SPN and Northeast Pennsylvania Financial Corp. announced SPN&rsquo;s acquisition.</P>

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

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

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

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;9</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Cameron
Financial Corporation (&ldquo;Cameron&rdquo;)</U></FONT> - We filed our original Schedule 13D to report our position on July&nbsp;7, 2000.
We exercised our shareholder rights by, among other things, requesting that Cameron management hire an investment banker, demanding Cameron&rsquo;s
list of shareholders, meeting with Cameron&rsquo;s management, demanding that Cameron invite our representatives to join the board, writing
to other shareholders to express our dismay with management&rsquo;s inability to maximize shareholder value and publishing that letter
in the local press. On October&nbsp;6, 2000, Cameron announced its sale to Dickinson Financial Corp.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Community
Financial Corp. (&ldquo;CFIC&rdquo;)</U></FONT> - We filed our original Schedule 13D to report our position on January&nbsp;4, 2001, following
CFIC&rsquo;s announcement of the sale of two of its four subsidiary banks and its intention to sell one or more of its remaining subsidiaries.
We reported that we acquired CFIC stock for investment purposes. On January&nbsp;25, 2001, CFIC announced the sale of one of its remaining
subsidiaries. We then announced our intention to run an alternate slate of directors at the 2001 annual meeting if CFIC did not sell the
remaining subsidiary by then. On March&nbsp;27, 2001, we wrote to CFIC confirming that CFIC&rsquo;s management had agreed to meet with
one of our proposed nominees to the board. On March&nbsp;30, 2001, before our meeting took place, CFIC announced its merger with First
Financial Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Montgomery
Financial Corporation (&ldquo;Montgomery&rdquo;)</U></FONT> - We filed our original Schedule 13D to report our position on February&nbsp;23,
2001. On April&nbsp;20, 2001, we met with Montgomery&rsquo;s management and suggested that they maximize shareholder value by selling
the institution. We also informed management that we would run an alternate slate of directors at the 2001 annual meeting unless Montgomery
was sold. Eleven days after we filed our Schedule 13D, however, Montgomery&rsquo;s board amended its bylaws to limit the pool of potential
nominees to local persons with a banking relation and to shorten the deadline to nominate an alternate slate. We located qualified nominees
under the restrictive bylaw provisions and noticed our slate within the deadline. On June&nbsp;5, 2001, Montgomery announced that it had
hired an investment banker to explore a sale. On July&nbsp;24, 2001, Montgomery announced its merger with Union Community Bancorp.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Community
Bancshares,&nbsp;Inc. (&ldquo;COMB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on March&nbsp;29, 2004.
We disclosed that we intended to meet with COMB&rsquo;s management and evaluate management&rsquo;s progress in resolving its regulatory
issues, lawsuits, problem loans, and non-performing assets, and that we would likely support management if it effectively addressed COMB&rsquo;s
challenges. On November&nbsp;21, 2005, we amended our Schedule 13D and stated that although we believed that COMB&rsquo;s management had
made progress, COMB&rsquo;s return on equity would likely remain below average for the foreseeable future, and it should therefore be
sold. We also stated that if COMB did not announce a sale before our deadline to solicit proxies for the next annual meeting, we would
solicit proxies to elect our own slate. On January&nbsp;6, 2006, we disclosed the names of our three board nominees. On May&nbsp;1, 2006,
COMB announced its sale to The Banc Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Jefferson
Bancshares,&nbsp;Inc. (&ldquo;JFBI&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on April&nbsp;8, 2013.
Our shareholder proposal requesting the board seek outside assistance to maximize shareholder value through actions such as a sale or
merger was defeated at JFBI&rsquo;s 2013 annual meeting. We met with management and the board of directors and told them that we would
seek board representation at JFBI&rsquo;s 2014 annual meeting if JFBI did not announce its sale. JFBI&rsquo;s sale to HomeTrust Bancshares,&nbsp;Inc.
was announced on January&nbsp;23, 2014.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>FedFirst
Financial Corporation (&ldquo;FFCO&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on September&nbsp;24,
2010. After several meetings with management, FFCO completed a meaningful number of share repurchases, and on April&nbsp;14, 2014, FFCO
announced its sale to CB Financial Services,&nbsp;Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>SP
Bancorp,&nbsp;Inc. (&ldquo;SPBC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on February&nbsp;28, 2011.
On August&nbsp;9, 2013, we met with management and the chairman to assess the best way to maximize shareholder value. SPBC completed a
meaningful number of share repurchases, and on May&nbsp;5, 2014, SPBC announced its sale to Green Bancorp Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>TF
Financial Corporation (&ldquo;THRD&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on November&nbsp;29,
2012. We met with the CEO and the chairman, encouraging them to focus only on accretive acquisitions and to repurchase shares up to book
value. They subsequently did both. On June&nbsp;4, 2014, THRD announced its sale to National Penn Bancshares,&nbsp;Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Fairmount
Bancorp,&nbsp;Inc. (&ldquo;FMTB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on September&nbsp;21, 2012.
On February&nbsp;25, 2014, we reported our intention to seek board representation at FMTB&rsquo;s 2015 annual meeting if FMTB did not
announce its sale. However, due to the appointment of our representative to another board in the local area, we were unable to nominate
our representative at the 2015 election of FMTB directors. We reiterated our intent to seek board representation at the earliest possible
time if FMTB was not sold. FMTB&rsquo;s sale was announced on April&nbsp;16, 2015.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;10</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Harvard
Illinois Bancorp,&nbsp;Inc. (&ldquo;HARI&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on April&nbsp;1,
2011. In 2012, we nominated a director for election at HARI&rsquo;s 2012 annual meeting and communicated our belief that HARI should merge
with a stronger community bank. Our nominee was not elected, so we nominated a director at HARI&rsquo;s 2013 annual meeting and stated
our position that HARI should be sold. We communicated to stockholders our intent to run a nominee every year until elected, and we nominated
a director at HARI&rsquo;s 2014 annual meeting. Our nominee was not elected, so in April&nbsp;2015, we began soliciting stockholder votes
for our nominee for HARI&rsquo;s 2015 annual meeting. On May&nbsp;21, 2015, HARI announced the sale of its subsidiary bank to State Bank
in Wonder Lake,&nbsp;IL. We subsequently withdrew our solicitation of proxies for the election of our nominee at HARI&rsquo;s 2015 annual
meeting. The sale of HARI&rsquo;s subsidiary bank was completed on August&nbsp;1, 2016. On August&nbsp;10, 2016, we entered into a settlement
agreement with HARI whereby two legacy board members stepped down, and we agreed not to seek board representation through 2017. HARI implemented
a plan of voluntary dissolution.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Eureka
Financial Corp. (&ldquo;EKFC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on March&nbsp;28, 2011. We
encouraged EKFC to pay special dividends to shareholders and repurchase shares. Management and the board did both, and on September&nbsp;3,
2015, EKFC announced its sale to NexTier,&nbsp;Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>United-American
Savings Bank (&ldquo;UASB&rdquo;)</U></FONT> - We filed our original Schedule 13D with the Federal Deposit Insurance Corporation reporting
our position on May&nbsp;20, 2013. We believe management and the board acted in good faith to position UASB to maximize shareholder value.
After we encouraged them to sell, UASB announced its sale to Emclaire Financial Corp on December&nbsp;30, 2015.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Polonia
Bancorp,&nbsp;Inc. (&ldquo;PBCP&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on November&nbsp;23, 2012.
After several conversations with the Chairman and CEO, we publicly called for PBCP&rsquo;s sale. On June&nbsp;2, 2016, PBCP&rsquo;s sale
to Prudential Bancorp,&nbsp;Inc. was announced.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Georgetown
Bancorp,&nbsp;Inc. (&ldquo;GTWN&rdquo;) </U></FONT>- We filed our original Schedule 13D reporting our position on July&nbsp;23, 2012.
We encouraged GTWN to maximize shareholder value through share repurchases, and we supported management and the board&rsquo;s consistent
efforts to do so. On October&nbsp;6, 2016, GTWN announced its sale to Salem Five Bancorp.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Wolverine
Bancorp,&nbsp;Inc. (&ldquo;WBKC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on February&nbsp;7, 2011.
We encouraged WBKC to maximize shareholder value through share repurchases and payments of special dividends, and we supported management
and the board&rsquo;s consistent efforts to do so. On June&nbsp;14, 2017, WBKC&rsquo;s sale to Horizon Bancorp was announced.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>First
Federal of Northern Michigan Bancorp,&nbsp;Inc. (&ldquo;FFNM&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position
on March&nbsp;10, 2016. We believed FFNM was positioned to repurchase shares, and we urged management and the board to do so. On January&nbsp;16,
2018, FFNM&rsquo;s sale to Mackinac Financial Corporation was announced. FFNM deregistered its shares of common stock effective in 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Jacksonville
Bancorp,&nbsp;Inc. (&ldquo;JXSB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on July&nbsp;5, 2011. We
supported JXSB&rsquo;s consistent efforts to maximize shareholder value through share repurchases and payments of special dividends. On
January&nbsp;18, 2018, JXSB&rsquo;s sale to CNB Bank Shares,&nbsp;Inc. was announced.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Anchor
Bancorp (&ldquo;ANCB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on May&nbsp;7, 2012. We previously
urged ANCB to maximize shareholder value by increasing share repurchases or selling the bank. We called for ANCB&rsquo;s sale to the highest
bidder on July&nbsp;7, 2016. On August&nbsp;29, 2016, we agreed not to seek board representation at the 2016 annual meeting in consideration
of ANCB appointing Gordon Stephenson as a director. We believe the board acted in good faith to maximize shareholder value through ANCB&rsquo;s
announced sale to Washington Federal,&nbsp;Inc. on April&nbsp;11, 2017. That acquisition was delayed due to regulatory issues at Washington
Federal,&nbsp;Inc. On July&nbsp;17, 2018, ANCB&rsquo;s sale to FS Bancorp,&nbsp;Inc. at a higher price was announced.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Hamilton
Bancorp,&nbsp;Inc. (&ldquo;HBK&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on October&nbsp;22, 2012.
Having met with management over the years, we believe management and the board acted in good faith to maximize shareholder value through
HBK&rsquo;s announced sale to Orrstown Financial Services,&nbsp;Inc. on October&nbsp;23, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Ben
Franklin Financial,&nbsp;Inc. (&ldquo;BFFI&rdquo;)</U></FONT> <FONT STYLE="background-color: white">- We filed our original Schedule 13D
reporting our position on February&nbsp;9, 2015. We urged management and the board to repurchase shares as soon as BFFI was permitted.
We subsequently believed BFFI should be sold, and on December&nbsp;3, 2018, announced our intent to seek board representation at BFFI&rsquo;s
2019 annual meeting. On February&nbsp;22, 2019, we served our notice of intent to nominate Ralph Sesso for election as a director on BFFI&rsquo;s
board. On July&nbsp;16, 2019, BFFI&rsquo;s sale to Corporate America Family Credit Union was announced. BFFI deregistered its shares of
common stock effective in 2018.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Alcentra
Capital Corp (&ldquo;ABDC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on December&nbsp;28, 2017. We
informed management at a meeting on January&nbsp;5, 2018, and reiterated several times throughout the year, that if ABDC did not repurchase
10% of its shares in 2018, we would aggressively seek board representation. They did not do so. On January&nbsp;25, 2019, we announced
our nominees and alternate nominee for ABDC&rsquo;s 2019 election of directors. <FONT STYLE="background-color: white">On August&nbsp;13,
2019, ABDC&rsquo;s sale to Crescent Capital BDC,&nbsp;Inc. was announced.</FONT></P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;11</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>First
Advantage Bancorp (&ldquo;FABK&rdquo;)</U></FONT> <FONT STYLE="background-color: white">- We filed our original Schedule 13D reporting
our position on March&nbsp;20, 2017. We believe management and the board acted in good faith to maximize shareholder value over the long
term. On October&nbsp;23, 2019, FABK&rsquo;s sale to Reliant Bancorp,&nbsp;Inc. was announced. FABK deregistered its shares of common
stock effective in 2013.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Central
Federal Bancshares,&nbsp;Inc. (&ldquo;CFDB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on January&nbsp;25,
2016. We urged management and the board of CFDB to repurchase shares as soon as CFDB was permitted. On May&nbsp;21, 2019, we met with
management, the board and its attorney at CFDB&rsquo;s annual meeting, and followed up with a letter to the board calling for CFDB&rsquo;s
sale if it did not repurchase a meaningful number of shares. <FONT STYLE="background-color: white">On January&nbsp;17, 2020, CFDB&rsquo;s
sale to Southern Missouri Bancorp,&nbsp;Inc. was announced. CFDB deregistered its shares of common stock effective in 2019.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Carroll
Bancorp,&nbsp;Inc. (&ldquo;CROL&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on March&nbsp;17, 2014.
On March&nbsp;6, 2020, CROL&rsquo;s sale to Farmers and Merchants Bancshares,&nbsp;Inc. was announced. CROL deregistered its shares of
common stock effective in 2017.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Brunswick
Bancorp (&ldquo;BRBW&rdquo;)</U></FONT>&nbsp;&ndash; We met with the President, CFO and Chairman of the Board to express our views on
BRBW&rsquo;s capital allocation, and they indicated that they would rather grow than repurchase shares below book value. Therefore, in
the absence of material share repurchases, we nominated a director for election at BRBW&rsquo;s 2021 annual meeting. Our nominee was not
elected. On December&nbsp;20, 2022, BRBW&rsquo;s sale to Mid Penn Bancorp,&nbsp;Inc. was announced. BRBW deregistered its shares of common
stock effective in 2007.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>II. After we seated directors on the boards
of the following issuers, the issuers were sold or merged:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Oregon
Trail Financial Corp. (&ldquo;OTFC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on December&nbsp;15,
2000. In January&nbsp;2001, we met with the management of OTFC to discuss our concerns that management was not maximizing shareholder
value, and we proposed that OTFC voluntarily place our representative on the board. OTFC rejected our proposal, and we announced our intention
to solicit proxies to elect a board nominee. We demanded OTFC&rsquo;s shareholder list, but OTFC refused to give it to us. We sued OTFC
in Baker County, Oregon, and the court ruled in our favor and sanctioned OTFC. We also sued two OTFC directors alleging that one had violated
OTFC&rsquo;s residency requirement and that the other had committed perjury. Both suits were dismissed pre-trial but we filed an appeal
in one suit and were permitted to re-file the other suit in state court. On August&nbsp;16, 2001, we started soliciting proxies to elect
Kevin D. Padrick,&nbsp;Esq. to the board. We argued in our proxy materials that OTFC should have repurchased its shares at prices below
book value. OTFC announced the hiring of an investment banker. Then, the day after the 9/11 attacks, OTFC sued us in Portland, Oregon
and moved to invalidate our proxies; the court denied the motion and the election proceeded.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On October&nbsp;12, 2001,
OTFC&rsquo;s shareholders elected our candidate by a two-to-one margin. In the five months after the filing of our first proxy statement
(i.e., from August&nbsp;1 through December&nbsp;31, 2001), OTFC repurchased approximately 15% of its shares. On March&nbsp;12, 2002, we
entered into a standstill agreement with OTFC. OTFC agreed to: (a)&nbsp;achieve annual targets for return on equity, (b)&nbsp;reduce its
current capital ratio, (c)&nbsp;obtain advice from an investment banker regarding annual 10% stock repurchases, (d)&nbsp;re-elect our
director to the board, (e)&nbsp;reimburse a portion of our expenses, and (f)&nbsp;withdraw its lawsuit. On February&nbsp;26, 2003, OTFC
and FirstBank NW Corp. announced their merger, and the merger was completed on October&nbsp;31, 2003.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>HCB
Bancshares,&nbsp;Inc. (&ldquo;HCBB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on June&nbsp;14, 2001.
On September&nbsp;4, 2001, we reported that we had entered into a standstill agreement with HCBB, under which HCBB agreed to: (a)&nbsp;add
a director selected by us, (b)&nbsp;consider conducting a Dutch tender auction, (c)&nbsp;institute annual financial targets, and (d)&nbsp;retain
an investment banker to explore alternatives if it did not achieve its financial targets. On October&nbsp;22, 2001, our nominee, John
G. Rich,&nbsp;Esq., was named to the board. On January&nbsp;31, 2002, HCBB announced a modified Dutch tender auction to repurchase 20%
of its shares. Although HCBB&rsquo;s outstanding share count decreased by 33% between the filing of our original Schedule 13D and August&nbsp;2003,
HCBB did not achieve the financial target. On August&nbsp;12, 2003, HCBB announced it had hired an investment banker to assist in exploring
alternatives for maximizing shareholder value, including a sale. On January&nbsp;14, 2004, HCBB announced its sale to Rock Bancshares,&nbsp;Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>SCPIE
Holdings Inc. (&ldquo;SKP&rdquo;) </U></FONT>- We filed our original Schedule 13D reporting our position on January&nbsp;19, 2006. We
announced we would run our slate of directors at the 2006 annual meeting and demanded SKP&rsquo;s shareholder list. SKP initially refused
to timely produce the list, but did so after we sued it in Delaware Chancery Court. We engaged in a proxy contest at the 2006 annual meeting,
but SKP&rsquo;s directors were elected. Subsequently on December&nbsp;14, 2006, SKP agreed to place Joseph Stilwell on its board. On October&nbsp;16,
2007, Mr.&nbsp;Stilwell resigned from SKP&rsquo;s board after it approved a sale of SKP that Mr.&nbsp;Stilwell believed was an inferior
offer. We solicited shareholder proxies in opposition to the proposed sale; however, the sale was approved, and our shares were converted
in a cash deal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>American
Physicians Capital,&nbsp;Inc. (&ldquo;ACAP&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on November&nbsp;25,
2002. The Schedule 13D disclosed that on January&nbsp;18, 2002, Michigan&rsquo;s Insurance Department had approved our request to solicit
proxies to elect two directors to ACAP&rsquo;s board. On January&nbsp;29, 2002, we noticed our intention to nominate two directors at
the 2002 annual meeting. On February&nbsp;20, 2002, we entered into a three-year standstill agreement with ACAP, providing for ACAP to
add our nominee to its board. ACAP also agreed to consider using a portion of its excess capital to repurchase ACAP&rsquo;s shares in
each of the fiscal years 2002 and 2003 so that its outstanding share count would decrease by 15% for each of those years. In its 2002
fiscal year, ACAP repurchased 15% of its outstanding shares; these repurchases were highly accretive to per share book value. On November&nbsp;6,
2003, ACAP announced a reserve charge and that it would explore options to maximize shareholder value. It also announced that it would
exit the healthcare and workers&rsquo; compensation insurance businesses. ACAP then announced that it had retained Sandler O&rsquo;Neill&nbsp;&amp;
Partners, L.P., to assist the board. On December&nbsp;2, 2003, ACAP announced the early retirement of its president and CEO. On December&nbsp;23,
2003, ACAP named R. Kevin Clinton its new president and CEO.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;12</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On June&nbsp;24, 2004, ACAP
announced that it had decided that the best means to maximize shareholder value would be to shed non-core businesses and focus on its
core business line in its core markets. We increased our holdings in ACAP, and we announced that we intended to seek additional board
representation. On November&nbsp;10, 2004, ACAP invited Joseph Stilwell to sit on the board, and we entered into a new standstill agreement.
This agreement was terminated in November&nbsp;2007, with our representatives remaining on ACAP&rsquo;s board. On May&nbsp;8, 2008, our
representatives were re-elected to three-year terms expiring in 2011. Upon the passage of federal healthcare legislation in 2010, ACAP
became concerned about the fundamentals of its business and promptly acted to assess its strategic alternatives. On October&nbsp;22, 2010,
ACAP was acquired by The Doctors Company, and our shares were converted in a cash deal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Colonial
Financial Services,&nbsp;Inc. (&ldquo;COBK&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on August&nbsp;24,
2011. On December&nbsp;18, 2013, we reached an agreement with COBK to have a director of our choice appointed to its board of directors.
Our representative, Corissa B. Porcelli (formerly Corissa J. Briglia), joined COBK&rsquo;s board of directors on March&nbsp;25, 2014.
On September&nbsp;10, 2014, COBK announced its sale to Cape Bancorp,&nbsp;Inc., and the cash/stock deal was completed on April&nbsp;1,
2015.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Naugatuck
Valley Financial Corporation (&ldquo;NVSL&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on July&nbsp;11,
2011. On February&nbsp;13, 2014, we reported our intention to seek board representation. On March&nbsp;12, 2014, we reached an agreement
with NVSL for our representative to join NVSL&rsquo;s board of directors and for NVSL not to seek approval for stock benefit plans. On
June&nbsp;4, 2015, NVSL announced its sale to Liberty Bank in Middletown, CT, and the cash deal was completed on January&nbsp;15, 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Fraternity
Community Bancorp,&nbsp;Inc. (&ldquo;FRTR&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on April&nbsp;11,
2011. We reached an agreement with FRTR, and on November&nbsp;18, 2014, our representative, Corissa B. Porcelli (formerly Corissa J. Briglia),
was appointed to the board of directors. On October&nbsp;13, 2015, FRTR&rsquo;s sale was announced, and the cash deal was completed on
May&nbsp;13, 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Sunshine
Financial,&nbsp;Inc. (&ldquo;SSNF&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on April&nbsp;18, 2011.
We reached an agreement with SSNF, and on February&nbsp;5, 2016, our representative, Corissa B. Porcelli (formerly Corissa J. Briglia),
was appointed to the board of directors. On December&nbsp;6, 2017, SSNF&rsquo;s sale to The First Bancshares,&nbsp;Inc. was announced,
and the cash/stock deal was completed on April&nbsp;2, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Delanco
Bancorp,&nbsp;Inc. (&ldquo;DLNO&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on October&nbsp;28, 2013.
We reached an agreement with DLNO, and in May&nbsp;2017, our representative, Corissa B. Porcelli (formerly Corissa J. Briglia), was appointed
to the board of directors. On October&nbsp;18, 2017, DLNO&rsquo;s sale to First Bank was announced, and the stock deal was completed on
April&nbsp;30, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Poage
Bankshares,&nbsp;Inc. (&ldquo;PBSK&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on September&nbsp;23,
2011. We believed PBSK&rsquo;s board was not focused on maximizing shareholder value and nominated a director for election at PBSK&rsquo;s
2014 annual meeting. Our nominee was not elected, so we nominated a director at PBSK&rsquo;s 2015 annual meeting. On July&nbsp;21, 2015,
our nominee, Stephen S. Burchett, was elected as a director with a mandate to maximize shareholder value. Subsequently, the CEO left the
company. We publicly called for PBSK&rsquo;s sale, and on July&nbsp;11, 2018, PBSK&rsquo;s sale to City Holding Company was announced.
The stock deal was completed on December&nbsp;7, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>HopFed
Bancorp,&nbsp;Inc. (&ldquo;HFBC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on February&nbsp;25, 2013.
At HFBC&rsquo;s May&nbsp;2013 annual meeting, we nominated a director for the board of directors and strongly opposed HFBC&rsquo;s agreement
to purchase Sumner Bank&nbsp;&amp; Trust. Our nominee won by a two-to-one margin, and the proposed Sumner deal was subsequently terminated
in August&nbsp;2013.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On May&nbsp;1, 2017, we sent
a letter to stockholders (filed as Exhibit&nbsp;13 to the Twelfth Amendment to our Schedule 13D) detailing the extensive real estate holdings
of HFBC&rsquo;s CEO, John Peck, as well as numerous other conflicts of interest of both Mr.&nbsp;Peck and HFBC&rsquo;s counsel, George
M. (&ldquo;Greg&rdquo;) Carter, of which HFBC board members were apparently unaware. Subsequently, HFBC formed a &ldquo;Special Litigation
Committee&rdquo; to investigate. On February&nbsp;23, 2018, HFBC filed a Form&nbsp;8-K reporting that although the Special Litigation
Committee did not dispute the facts in the May&nbsp;1 letter, it declined to recommend HFBC bring a lawsuit or remedial action against
John Peck.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;13</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On May&nbsp;4, 2017, we filed
a complaint in the Delaware Court of Chancery against HFBC, the then current members of the board of directors and one former board member,
asking the Court to declare that HFBC&rsquo;s prejudicial bylaw was invalid and that the directors breached their fiduciary duties. On
October&nbsp;4, 2017, HFBC announced it had amended the bylaw thus mooting that case. Subsequently, we filed a motion to recover our attorneys&rsquo;
fees and expenses, which Vice Chancellor J. Travis Laster granted in its entirety on February&nbsp;7, 2018, awarding us $610,312. In his
ruling on the motion, the Judge excoriated the conduct of HFBC&rsquo;s board; the full court transcript is filed as Exhibit&nbsp;14 to
the Fourteenth Amendment to our Schedule 13D.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On February&nbsp;23, 2018,
we formally demanded that HFBC&rsquo;s board of directors take action against HFBC&rsquo;s attorneys, Edward B. Crosland,&nbsp;Jr., of
Jones Walker LLP and Greg Carter of Carter&nbsp;&amp; Carter Law Firm, for legal malpractice and seek damages in excess of $1 million
to HFBC; our demand letter is attached as Exhibit&nbsp;15 to the Fifteenth Amendment to our Schedule 13D.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Following our nomination of
Mark D. Alcott in March&nbsp;of 2018 for election to HFBC&rsquo;s board of directors to replace John Peck, we entered into a Standstill
Agreement with HFBC dated April&nbsp;10, 2018, whereby Mr.&nbsp;Alcott would be appointed to the HFBC board. The board also adopted revised
compensation policies requiring HFBC to reach at least average annual performance relative to that of its peer group, or its executive
officers would not receive salary raises, bonuses or perquisites.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Mr.&nbsp;Alcott&rsquo;s appointment
to the HFBC board became effective on April&nbsp;18, 2018. On January&nbsp;7, 2019, HFBC&rsquo;s sale to First Financial Corporation was
announced, and the cash/stock deal was completed on July&nbsp;27, 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>MB
Bancorp,&nbsp;Inc. (&ldquo;MBCQ&rdquo;) </U></FONT><FONT STYLE="background-color: white">- We filed our original Schedule 13D reporting
our position on January&nbsp;9, 2015. We urged management and the board to repurchase shares, and on March&nbsp;30, 2016, MBCQ announced
and subsequently completed its plan to repurchase an initial 10% of its shares outstanding. We urged management and the board to complete
the existing 5% share repurchase plan and put MBCQ up for sale when permitted in January&nbsp;2018. On February&nbsp;20, 2018, we reached
an agreement with MBCQ, and our representative, Corissa B. Porcelli (formerly Corissa J. Briglia), was appointed to the board of directors.
On September&nbsp;5, 2019, MBCQ&rsquo;s sale to BV Financial,&nbsp;</FONT>Inc. was announced, and the all-cash deal was completed on February&nbsp;29,
2020. MBCQ deregistered its shares of common stock effective in 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>III. After we asserted shareholder rights,
we believe the following issuers took steps to maximize shareholder value, and we subsequently exited our activist positions:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>FPIC
Insurance Group,&nbsp;Inc. (&ldquo;FPIC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on June&nbsp;30,
2003. On August&nbsp;12, 2003, Florida&rsquo;s Insurance Department approved our request to hold more than 5% of FPIC&rsquo;s shares,
to solicit proxies to hold board seats, and to exercise shareholder rights. On November&nbsp;10, 2003, FPIC invited our nominee, John
G. Rich,&nbsp;Esq., to join the board, and we signed a confidentiality agreement. On June&nbsp;7, 2004, we disclosed that because FPIC
had taken steps to increase shareholder value, such as multiple share repurchases, and because its market price increased to reflect fair
value in our estimation, we sold our shares in the open market, decreasing our holdings below 5%. Our nominee was invited to remain on
the board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Roma
Financial Corp. (&ldquo;ROMA&rdquo;) </U></FONT>- We filed our original Schedule 13D reporting our position on July&nbsp;27, 2006. Prior
to its acquisition by Investors Bancorp,&nbsp;Inc., in December&nbsp;2013, nearly 70% of ROMA&rsquo;s shares were held by a mutual holding
company controlled by ROMA&rsquo;s board. In April&nbsp;2007, we engaged in a proxy solicitation at ROMA&rsquo;s first annual meeting,
urging shareholders to withhold their vote from management&rsquo;s slate. ROMA did not put their stock benefit plans up for a vote at
that meeting. We then met with ROMA management. In the four months after ROMA became eligible to repurchase its shares, it announced and
substantially completed repurchases of 15% of its publicly held shares, which were accretive to shareholder value. In our judgment, management
came to understand the importance of proper capital allocation. Based on ROMA management&rsquo;s prompt implementation of shareholder-friendly
capital allocation plans, we supported management&rsquo;s adoption of stock benefit plans at the 2008 shareholder meeting. In our estimation,
ROMA&rsquo;s market price increased to reflect fair value, and we sold our shares in the open market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>First
Savings Financial Group,&nbsp;Inc. (&ldquo;FSFG&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on December&nbsp;29,
2008. We met with management, after which FSFG announced a stock repurchase plan and began repurchasing its shares. In December&nbsp;2009,
we reported that our beneficial ownership in the outstanding FSFG common stock had fallen below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Prudential
Bancorp,&nbsp;Inc. of Pennsylvania (&ldquo;PBIP&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on June&nbsp;20,
2005. Most of PBIP&rsquo;s shares were held by the Prudential Mutual Holding Company (the &ldquo;MHC&rdquo;), which was controlled by
PBIP&rsquo;s board. The MHC controlled most corporate decisions requiring a shareholder vote, such as the election of directors. However,
regulations promulgated by the FDIC previously barred the MHC from voting on PBIP&rsquo;s management stock benefit plans, and PBIP&rsquo;s
IPO prospectus indicated that the MHC would not vote on the plans. We announced in August&nbsp;2005 that we would solicit proxies to oppose
adoption of the plans as a referendum to place Joseph Stilwell on PBIP&rsquo;s board. PBIP decided not to put the plans up for a vote
at the 2006 annual meeting.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;14</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In December&nbsp;2005, we
solicited proxies to withhold votes on the election of directors as a referendum to place Mr.&nbsp;Stilwell on the board. At the 2006
annual meeting, 71% of PBIP&rsquo;s voting public shares were withheld from voting on management&rsquo;s nominees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On April&nbsp;6, 2006, PBIP
announced that just after we had filed our Schedule 13D, it had secretly solicited a letter from an FDIC staffer (which it concealed from
the public) that the MHC would be allowed to vote in favor of the management stock benefit plans. PBIP also announced a special meeting
to vote on the plans. We alerted the Board of Governors of the Federal Reserve System (the &ldquo;Fed&rdquo;) about this announcement,
and PBIP was directed to seek Fed approval before adopting the plans. On April&nbsp;19, 2006, PBIP postponed the special meeting. The
Fed subsequently followed the FDIC&rsquo;s position in September&nbsp;2006. In December&nbsp;2006, we solicited proxies to withhold votes
on the election of PBIP&rsquo;s directors at the 2007 annual meeting. At the meeting, 75% of PBIP&rsquo;s voting public shares were withheld.
Also during the annual meeting, PBIP&rsquo;s President and Chief Executive Officer was unable to state the meaning of per share return
on equity despite Mr.&nbsp;Stilwell&rsquo;s holding up a $10,000 check for the charity of the CEO&rsquo;s choice if he could promptly
answer the question. On March&nbsp;7, 2007, we disclosed that we were publicizing the results of PBIP&rsquo;s elections and its directors&rsquo;
unwillingness to hold a democratic vote on the stock plans by placing billboard advertisements throughout Philadelphia.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In December&nbsp;2007, we
filed proxy materials for the solicitation of proxies to withhold votes on the election of PBIP&rsquo;s directors at the 2008 annual meeting.
At the 2008 annual meeting, an average of 77% of PBIP&rsquo;s voting public shares withheld their votes. Excluding shares held in PBIP&rsquo;s
ESOP, an average of 88% of the voting public shares withheld their votes in this election.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On October&nbsp;4, 2006, we
sued PBIP, the MHC, and the directors of PBIP and the MHC in federal court in Philadelphia seeking an order to prevent the MHC from voting
in favor of the management stock benefit plans. On August&nbsp;15, 2007, the court dismissed some claims, but sustained our cause of action
against the MHC as majority shareholder of PBIP for breach of fiduciary duties. Discovery proceeded and all the directors were deposed.
Both sides moved for summary judgment, but the court ordered the case to trial, which was scheduled for June&nbsp;2008. On May&nbsp;22,
2008, we voluntarily discontinued the lawsuit after determining that it would be more effective and appropriate to pursue the directors
on a personal basis in a derivative action. On June&nbsp;11, 2008, we filed a notice to appeal certain portions of the lower court&rsquo;s
August&nbsp;15, 2007, order dismissing portions of the lawsuit.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We entered into a settlement
agreement and an expense agreement with PBIP in November&nbsp;2008 under which we agreed to support PBIP&rsquo;s management stock benefit
plans, drop our litigation and withdraw our shareholder demand, and generally support management; and in exchange, PBIP agreed, subject
to certain conditions, to repurchase up to three million of its shares (including shares previously purchased), reimburse a portion of
our expenses, and either adopt a second step conversion or add our nominee who meets certain qualification requirements to its board if
the repurchases were not completed by a specified time. On March&nbsp;5, 2010, we reported that our ownership in PBIP had dropped below
5% as a result of open market sales and sales of common stock to PBIP.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>United
Insurance Holdings Corp. (&ldquo;UIHC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on September&nbsp;29,
2011. On December&nbsp;17, 2012, we disclosed that we sold shares in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Home
Federal Bancorp,&nbsp;Inc. of Louisiana (&ldquo;HFBL&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on
January&nbsp;3, 2011. We believe management and the board acted in good faith and took steps to increase shareholder value, such as multiple
share repurchases. In our estimation, HFBL&rsquo;s market price increased to reflect fair value; on February&nbsp;7, 2013, we disclosed
that we sold shares in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Standard
Financial Corp. (&ldquo;STND&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on October&nbsp;18, 2010.
We believe management and the board acted in good faith and took steps to increase shareholder value, such as multiple share repurchases.
In our estimation, STND&rsquo;s market price increased to reflect fair value; on March&nbsp;19, 2013, we disclosed that we sold our shares
in the open market, decreasing our holdings below 5%.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;15</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Alliance
Bancorp,&nbsp;Inc. of Pennsylvania (&ldquo;ALLB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on March&nbsp;12,
2009. When we announced our reporting position, a majority of ALLB&rsquo;s shares were held by a mutual holding company controlled by
ALLB&rsquo;s board. However, on August&nbsp;11, 2010, ALLB announced its intention to undertake a second step offering, selling all shares
to the public. The plan of conversion and reorganization was approved by depositors at a special meeting held December&nbsp;29, 2010.
We strongly supported ALLB&rsquo;s action. Following completion of the conversion of Alliance Bank from the mutual holding company structure
to the stock holding company structure, we increased our stake with the belief that shareholders and ALLB would do well if management
focused on profitability. We believe management and the board acted in good faith and took steps to increase shareholder value, such as
multiple share repurchases. In our estimation, ALLB&rsquo;s market price increased to reflect fair value; on November&nbsp;21, 2013, we
disclosed that we sold shares in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>ASB
Bancorp,&nbsp;Inc. (&ldquo;ASBB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on October&nbsp;24, 2011.
On August&nbsp;23, 2013, we met with management to assess the best way to maximize shareholder value. We believe management and the board
acted in good faith by cleaning up non-performing assets and repurchasing shares, and ASBB&rsquo;s market price increased to reflect fair
value. On July&nbsp;18, 2014, we disclosed that we sold our shares to ASBB.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>United
Community Bancorp (&ldquo;UCBA&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on January&nbsp;22, 2013.
We believe management and the board acted in good faith and took steps to increase shareholder value, such as multiple share repurchases.
In our estimation, UCBA&rsquo;s market price increased to reflect fair value; on November&nbsp;9, 2015, we disclosed that we sold shares
to UCBA, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>West
End Indiana Bancshares,&nbsp;Inc. (&ldquo;WEIN&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on January&nbsp;19,
2012. We believe management and the board acted in good faith and took steps to increase shareholder value, such as multiple share repurchases.
In our estimation, WEIN&rsquo;s market price increased to reflect fair value; on November&nbsp;12, 2015, we disclosed that we sold our
shares in the open market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>William
Penn Bancorp,&nbsp;Inc. (&ldquo;WMPN&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on May&nbsp;23, 2008.
A majority of WMPN&rsquo;s shares were held by a mutual holding company controlled by WMPN&rsquo;s board. We met with management and the
board to explain our views on proper capital allocation and following the financial crisis, we continued to urge WMPN to take the steps
necessary to maximize shareholder value. On December&nbsp;3, 2014, WMPN announced and subsequently completed its plan to repurchase 10%
of its shares outstanding and further completed several additional share repurchases. We believe management and the board acted in good
faith to maximize shareholder value through shareholder-friendly capital allocation; on April&nbsp;11, 2016, we disclosed that we sold
shares in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>First
Financial Northwest,&nbsp;Inc. (&ldquo;FFNW&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on September&nbsp;12,
2011. At the Company&rsquo;s 2012 annual meeting, we solicited an overwhelming majority of shareholder votes for our nominee based on
our position that Victor Karpiak (then Chairman and CEO) should be removed from the Company and board. After the Company pushed to have
our votes invalidated, we sued to enforce our rights. In 2013, we settled with the Company. Our nominee, Kevin Padrick, was seated on
the board, and Mr.&nbsp;Karpiak resigned as Chairman. The board later replaced Mr.&nbsp;Karpiak as CEO. We filed two additional lawsuits
arising from the invalidation of our votes at the 2012 election, both of which we settled.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Since 2013, we believed management
and the board acted in good faith by cleaning up non-performing assets and reaching a moderate level of profitability, and they maximized
shareholder value by repurchasing in excess of 40% of FFNW&rsquo;s shares. In our estimation, FFNW&rsquo;s market price increased to reflect
fair value; on October&nbsp;11, 2016, we disclosed that we sold our shares in the open market. Kevin Padrick continued to serve on the
board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Alamogordo
Financial Corp. (&ldquo;ALMG&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on May&nbsp;11, 2015. We urged
management and the board to provide meaningful returns to shareholders either through a second-step conversion or by effectuating a shareholder-friendly
capital allocation program. On March&nbsp;7, 2016, ALMG announced and later completed a second-step conversion which we believe maximized
shareholder value. On October&nbsp;14, 2016, we disclosed that we sold shares of the converted Company, Bancorp 34,&nbsp;Inc., in the
open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Malvern
Bancorp,&nbsp;Inc. (&ldquo;MLVF&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on May&nbsp;30, 2008. When
we announced our reporting position, a majority of MLVF&rsquo;s shares were held by a mutual holding company controlled by MLVF&rsquo;s
board. On October&nbsp;26, 2010, we demanded that MLVF pursue a derivative action against its directors for breach of their fiduciary
duties. MLVF failed to pursue the action and, on June&nbsp;3, 2011, we sued MLVF&rsquo;s directors in Chester County, Pennsylvania, demanding
that the court, among other things, order the directors to properly consider pursuing a second step conversion. On November&nbsp;9, 2011,
Judge Howard F. Riley Jr. overruled the director defendants&rsquo; preliminary objections to the derivative lawsuit.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;16</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On January&nbsp;17, 2012,
MLVF announced its intention to undertake a second step conversion and we withdrew the lawsuit. The conversion and stock offering were
completed on October&nbsp;11, 2012, and our shares were converted into shares of Malvern Bancorp,&nbsp;Inc. On September&nbsp;5, 2013,
we notified MLVF of our intention to nominate John P. O&rsquo;Grady for election as a director at its 2014 annual meeting, but we later
reached an agreement with MLVF for Mr.&nbsp;O&rsquo;Grady to join its board of directors and executed a standstill agreement. Subsequently,
MLVF&rsquo;s long-standing CEO resigned, its chairman of the board stepped down and several directors resigned from the board of directors.
On November&nbsp;25, 2014, we terminated our standstill agreement with MLVF, including the agreement&rsquo;s performance targets. John
P. O&rsquo;Grady continued to serve as an independent director on the board but no longer as our nominee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After meeting with the new
CEO and the new chairman of the board, we believed that management and the board of directors were focused on maximizing shareholder value
and were successful in doing so. On December&nbsp;7, 2016, we disclosed that we sold shares in the open market, decreasing our holdings
below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>FSB
Community Bankshares,&nbsp;Inc. (&ldquo;FSBC&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on October&nbsp;26,
2015. We urged management and the board to provide meaningful returns to shareholders either through a second-step conversion or by effectuating
a shareholder-friendly capital allocation program. On March&nbsp;3, 2016, FSBC announced and later completed a second-step conversion
which we believe maximized shareholder value. On December&nbsp;9, 2016, we disclosed that we sold shares of the converted Company, FSB
Bancorp,&nbsp;Inc., in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Pinnacle
Bancshares,&nbsp;Inc. (&ldquo;PCLB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on September&nbsp;23,
2014. On November&nbsp;14, 2014, PCLB announced the continuation of its share repurchase plan and announced a new repurchase plan on May&nbsp;25,
2016. We believe management and the board acted in good faith to maximize shareholder value through multiple share repurchases. On December&nbsp;13,
2016, we disclosed that we sold our shares in the open market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Sugar
Creek Financial Corp. (&ldquo;SUGR&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on April&nbsp;21, 2014.
We believe management and the board acted in good faith to maximize shareholder value through share repurchases. In our estimation, SUGR&rsquo;s
market price increased to reflect fair value; on July&nbsp;28, 2017, we disclosed that we sold our shares in the open market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Provident
Financial Holdings,&nbsp;Inc. (&ldquo;PROV&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on October&nbsp;7,
2011. We supported PROV&rsquo;s consistent efforts to maximize shareholder value through a meaningful number of share repurchases. In
our estimation, PROV&rsquo;s market price increased to reflect fair value; on September&nbsp;25, 2017, we disclosed that we sold shares
in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>West
Town Bancorp,&nbsp;Inc. (&ldquo;WTWB&rdquo;)</U></FONT> - We believe management and the board acted in good faith to maximize shareholder
value, and on July&nbsp;18, 2019, we sold our shares to WTWB. WTWB deregistered its shares of common stock effective in 2003.</P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 3.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="vertical-align: top; width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="vertical-align: top; width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.75pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;17</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>NorthEast
Community Bancorp,&nbsp;Inc. (&ldquo;NECB&rdquo;)</U></FONT>&nbsp;- We filed our original Schedule 13D reporting our position on November&nbsp;5,
2007. A majority of NECB&rsquo;s shares were held by a mutual holding company controlled by NECB&rsquo;s board. We opposed the grant of
an equity incentive plan for the NECB board, and the board and management never received such a plan while they remained an MHC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In July&nbsp;of 2010, we delivered
a written demand to NECB demanding to inspect its shareholder list, but NECB refused to supply us with the list. We sued NECB in federal
court in New York seeking an order compelling compliance. In August&nbsp;of 2010, NECB produced the list of shareholders to us. In the
fall of 2011, we sent a letter to NECB&rsquo;s board of directors demanding that NECB expand the board with disinterested directors to
consider a second step conversion. In October&nbsp;of 2011, we filed a lawsuit in New York state court against NECB, the mutual holding
company, and their boards of directors, personally and derivatively, for breach of fiduciary duty arising out of failure to fairly consider
a second step conversion and alleging conflict of interest. During the course of a protracted litigation, we deposed every named director
including a former director. Although the New York trial court judge agreed with us in partially granting our motion for summary judgment
and finding that upon trial the defendants would bear the burden of the entire fairness standard, the First Department reversed on other
grounds; the New York Court of Appeals declined to hear our appeal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After years of urging NECB
to become fully public, the company announced on November&nbsp;4, 2020 that it would undertake a second-step conversion. We supported
NECB&rsquo;s decision to do so, and on July&nbsp;12, 2021, the company completed its second-step conversion. We sold shares in the open
market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NECB shares of common stock
were deregistered from 2016 to 2021.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Parkway
Acquisition Corp. (&ldquo;PKKW&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on May&nbsp;27, 2020. On
November&nbsp;24, 2021, we disclosed that we sold our shares in the open market.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Wayne
Savings Bancshares,&nbsp;Inc.</U></FONT> (&ldquo;WAYN&rdquo;) - We filed our original Schedule 13D reporting our position on October&nbsp;8,
2010. In 2014, we supported H. Stewart Fitz Gibbon III&rsquo;s appointment as CEO and as a director on the board. We believed management
and the board were acting in good faith to position WAYN to maximize shareholder value. When the board announced Mr.&nbsp;Fitz Gibbon&rsquo;s
unexplained resignation on December&nbsp;20, 2016, we nominated a director for election at WAYN&rsquo;s 2017 annual meeting. We lost by
a narrow margin.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We nominated a director for
election at WAYN&rsquo;s 2018 annual meeting with the belief that there have been multiple suitors interested in acquiring WAYN, and that
the board has a duty to evaluate strategic alternatives to maximize shareholder value. Our nominee was not elected.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Due to projected and achieved
Return on Equity (ROE) targets since WAYN&rsquo;s 2018 annual meeting, we did not seek board representation in 2019.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In our estimation, WAYN&rsquo;s market price increased
to reflect fair value; on May&nbsp;23, 2022, we sold shares to WAYN, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WAYN deregistered its shares
of common stock effective in 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Cincinnati
Bancorp,&nbsp;Inc. (&ldquo;CNNB&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on May&nbsp;7, 2020. We
believe management and the board acted in good faith and took steps to increase shareholder value, such as repurchasing shares up to book
value. In our estimation, CNNB&rsquo;s market price increased to reflect fair value; on September&nbsp;21, 2022, we disclosed that we
sold shares in the open market, decreasing our holdings below 5%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>IV. We exited the following activist position
without maximizing shareholder value:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Garrison
Capital,&nbsp;Inc. (&ldquo;GARS&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on January&nbsp;21, 2020.
In April&nbsp;2020, we sold our stake with the belief that the global pandemic made activism in a business development company problematic
at that time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>V. After successfully seeking board representation,
we seated directors who currently serve on the board of the following issuers:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Kingsway
Financial Services Inc. (&ldquo;KFS&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on November&nbsp;7,
2008. We requested a meeting with KFS&rsquo;s CEO and chairman to discuss ways to maximize shareholder value and minimize both operational
and balance sheet risks, but the CEO was unresponsive. We then requisitioned a special shareholder meeting to remove the CEO and chairman
from the KFS board and replace them with our two nominees. On January&nbsp;7, 2009, we entered into a settlement agreement with KFS whereby,
among other things, the CEO resigned from the KFS board and KFS expanded its board from nine to ten seats and appointed our nominees to
fill the two vacant seats. By April&nbsp;23, 2009, the board was reconstituted with just three of the original ten legacy directors remaining.
Also, Joseph Stilwell was appointed to fill the vacancy created by the resignation of one of our nominees, and our other nominee was elected
chairman of the board. In addition, the board fired the CEO and CFO for incompetence and insubordination. By November&nbsp;3, 2009, all
of the legacy directors had resigned from the board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Since then, Joseph Stilwell
has remained on the board, and KFS has sold non-core assets, repurchased public debt at a discount to face value, sold a credit-sensitive
asset, disposed of its subsidiary Lincoln General, substantially reduced its expenses, and reduced other balance sheet and operations
risks. On May&nbsp;24, 2018, we announced that we would withhold our proxy votes on the re-election of the then current CEO at the KFS
annual meeting. Although the CEO was re-elected to the board, the board announced on September&nbsp;5, 2018, a CEO transition in which
he would no longer serve as CEO. The KFS board appointed John T. Fitzgerald as the new CEO to execute its warranty segment strategy.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On September&nbsp;21, 2020,
our representative, Corissa B. Porcelli, was elected to the board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Wheeler
Real Estate Investment Trust,&nbsp;Inc.</U></FONT>&nbsp;(&ldquo;WHLR&rdquo;) - We filed our original Schedule 13D reporting our position
on July&nbsp;3, 2017. On December&nbsp;4, 2017, we announced our nominees and alternate nominee for WHLR&rsquo;s 2018 election of directors.
On January&nbsp;17, 2018, we called for Jon Wheeler&rsquo;s removal from WHLR, and he was fired by the board on January&nbsp;29, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; background-color: white">We
ran three nominees for election as directors at WHLR&rsquo;s 2018 annual meeting. They lost. On October&nbsp;24, 2019, we announced our
nominees, Joseph D. Stilwell, Paula J. Poskon and Kerry G. Campbell, for election as directors at WHLR&rsquo;s annual meeting. Several
of WHLR&rsquo;s legacy directors did not stand for reelection. On December&nbsp;19, 2019, we defeated the three legacy directors that
stood for reelection by more than a 7 to 1 margin and our three nominees were elected to WHLR&rsquo;s board. Later that day, WHLR announced
that its CFO had resigned, and twelve days later, the only remaining legacy director resigned. The CEO was fired on April&nbsp;13, 2020.
On July&nbsp;15, 2021, our General Counsel, E. J. Borrack, was elected to the board of directors. On May&nbsp;19, 2023, our Director of
Communications, Megan Parisi, was elected to the board of directors</FONT>.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 2.5pt 3.5pt 2.5pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2.5pt 4pt 2.5pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;18</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>VI. We hope to work with management and the
boards of the following issuers:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Seneca-Cayuga
Bancorp,&nbsp;Inc. (&ldquo;SCAY&rdquo;) / Generations Bancorp NY,&nbsp;Inc. (GBNY)</U></FONT>&nbsp;- We filed our original Schedule 13D
reporting our position in SCAY on September&nbsp;15, 2014. We believed SCAY was positioned to provide meaningful returns to its shareholders
either through a second-step conversion or a shareholder-friendly capital allocation program. We encouraged management and the board to
choose the path that would maximize shareholder value, but they refused. On January&nbsp;29, 2018, we served a letter to the board demanding
that SCAY undertake a second-step conversion. Instead, SCAY announced its merger with a smaller mutual. We re-served a demand for a second-step
conversion on June&nbsp;12, 2019, and in furtherance to that, we served a demand for inspection of SCAY&rsquo;s books and records on September&nbsp;4,
2019. When SCAY refused to permit the inspection of its books and records, we filed, on November&nbsp;11, 2019, a motion to compel the
production of those books and records in U.S. District Court for the Western District of New York. SCAY filed a motion to dismiss, which
the Judge denied on April&nbsp;7, 2020. The Judge ordered SCAY to begin the production of board materials for our inspection by June&nbsp;1,
2020. SCAY announced its intention to second-step on May&nbsp;6, 2020, and we discontinued our lawsuit. On January&nbsp;12, 2021, SCAY
completed its second-step conversion and ceased to exist. The new stock holding company, Generations Bancorp NY,&nbsp;Inc. (GBNY), began
trading on January&nbsp;13, 2021. We believe GBNY should seek to maximize shareholder value at the earliest possible opportunity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>CIB
Marine Bancshares,&nbsp;Inc. (&ldquo;CIBH&rdquo;)</U></FONT> - We believe management and the board are acting in good faith to maximize
shareholder value. <FONT STYLE="background-color: white">On December&nbsp;10, 2021, the Federal Reserve Bank of Chicago notified us that
it would not object to our request to buy additional shares of CIBH up to 14.99%.</FONT> CIBH deregistered its shares of common stock
effective in 2012.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>U&nbsp;&amp;
I Financial Corp. (&ldquo;UNIF&rdquo;)</U></FONT> <FONT STYLE="background-color: white">- We have met with management and believe we can
work with management and the board to maximize shareholder value. Although UNIF&rsquo;s common stock trades publicly on the OTCQX U.S.,
UNIF does not file reports with the SEC.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>ICC
Holdings,&nbsp;Inc. (&ldquo;ICCH&rdquo;)</U></FONT> - We filed our original Schedule 13D reporting our position on December&nbsp;28, 2020.
We believe management has done an ineffective job at maximizing shareholder value to date.</P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Ottawa
Bancorp,&nbsp;Inc. (&ldquo;OTTW&rdquo;)</U></FONT>&nbsp;&ndash; We <FONT STYLE="background-color: white">hope to work with management
and the board to maximize shareholder value and believe OTTW should be repurchasing its shares through book value. On August&nbsp;11,
2023, the Federal Reserve Bank of Chicago notified us that it would not object to our request to buy additional shares of OTTW up to 19.99%.
</FONT>OTTW deregistered its shares of common stock effective in 2020.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>VII. We intend to gain board representation
and work to maximize shareholder value at the following issuers:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Sound
Financial,&nbsp;Inc. (&quot;SNFL&quot;) / Sound Financial Bancorp, Inc. (&ldquo;SFBC&rdquo;)</U></FONT> - We filed our original
Schedule 13D reporting our position in SNFL on November&nbsp;21, 2011. We urged management and the board to pursue a second step
conversion. On August&nbsp;22, 2012, SNFL announced the completion of its second step
conversion, and our shares of SNFL were converted into shares of SFBC. On August&nbsp;5, 2020, the Board of Governors of the Federal
Reserve notified us that it would not object to our request to buy additional shares of SFBC up to 14.99%. We intend to seek board
representation and support maximizing shareholder value at SFBC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Peoples
Financial Corporation (&ldquo;PFBX&rdquo;)</U></FONT>&nbsp;- <FONT STYLE="background-color: white">We filed our original Schedule 13D
reporting our position on November&nbsp;23, 2020. We believe management and the directors have ill served PFBX&rsquo;s shareholders, and
PFBX should explore all possibilities to maximize shareholder value. Our nominees for election as directors at PFBX&rsquo;s 2021, 2022
and 2023 annual meetings were not elected. Subsequent to the 2022 annual meeting, the Board of Governors of the Federal Reserve notified
us that it would not object to the Group&rsquo;s purchase of additional shares of PFBX up to 14.9%. On May&nbsp;31, 2022, pursuant to
Mississippi law, we served a demand for inspection of PFBX&rsquo;s books and records related to, among other things, reported losses and
the employee(s)&nbsp;responsible for the losses associated with PFBX&rsquo;s securities portfolio. When PFBX refused to permit the inspection
of its books and records, we filed, on July&nbsp;22, 2022, a complaint in the Chancery Court of Harrison County, Mississippi to compel
the production of those books and records. On June&nbsp;30, 2023, we demanded that PFBX pursue a derivative action against its directors
for breach of their fiduciary duties for failure to oversee and properly supervise management of the company. After four Harrison County
judges recused themselves, the Mississippi Supreme Court appointed a retired Judge from Hinds County, Mississippi as Special Chancellor
to hear our books and records demand case against PFBX. On July&nbsp;18, 2023, the Special Chancellor partially granted our motion for
summary judgment and ordered PFBX to produce most of the records we sought in our books and records demand</FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Provident
Bancorp,&nbsp;Inc. (&ldquo;PVBC&rdquo;)</U></FONT>&nbsp;- We filed our original Schedule 13D reporting our position on May&nbsp;15, 2023.
<FONT STYLE="background-color: white">On August&nbsp;1, 2023, the Federal Reserve Bank of Boston notified us that it would not object
to our request to buy additional shares of PVBC up to 14.99%. </FONT>We intend to seek board representation with the goal of maximizing
shareholder value at PVBC. We believe PVBC is doing a poor job of controlling expenses and should focus on basic community banking fundamentals.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;19 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 5. Interest in Securities of the Issuer</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The members of the Group beneficially
own an aggregate of 221,736 shares of Common Stock. The percentages used in this filing are calculated based on the number of outstanding
shares of Common Stock, 3,354,626, reported as the number of outstanding shares as of September&nbsp;5, 2023, as reported in the Issuer&rsquo;s
Form&nbsp;10-K filed with the Securities and Exchange Commission on September&nbsp;13, 2023. The purchases and sales of Common Stock reported
in this item, if any, were made in open-market transactions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in">(A)&nbsp;Stilwell
Activist Fund</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate number of shares beneficially owned: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percentage: 6.6%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to vote or to direct vote: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to vote or to direct vote: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to dispose or to direct the disposition: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to dispose or to direct disposition: 221,736</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Within the past 60 days, Stilwell Activist Fund purchased shares of Common Stock as set forth in <U>Schedule A</U> attached hereto and incorporated herein by reference.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Because he is the managing member and owner of Stilwell Value LLC, which is the general partner of Stilwell Activist Fund, Joseph Stilwell has the power to direct the affairs of Stilwell Activist Fund, including the voting and disposition of shares of Common Stock held in the name of Stilwell Activist Fund. Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Activist Fund with regard to those shares of Common Stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;20 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate number of shares beneficially owned: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percentage: 6.6%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to vote or to direct vote: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to vote or to direct vote: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to dispose or to direct the disposition: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to dispose or to direct disposition: 221,736</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Within the past 60 days, Stilwell Activist Investments purchased and sold shares of Common Stock as set forth in <U>Schedule A</U> attached hereto and incorporated herein by reference.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Because he is the managing member and owner of Stilwell Value LLC, which is the general partner of Stilwell Activist Investments, Joseph Stilwell has the power to direct the affairs of Stilwell Activist Investments, including the voting and disposition of shares of Common Stock held in the name of Stilwell Activist Investments. Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Activist Investments with regard to those shares of Common Stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;21 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate number of shares beneficially owned: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percentage: 6.6%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to vote or to direct vote: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to vote or to direct vote: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to dispose or to direct the disposition: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to dispose or to direct disposition: 221,736</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Within the past 60 days, Stilwell Partners did not purchase or sell shares of Common Stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Because he is the managing member and owner of Stilwell Value LLC, which is the general partner of Stilwell Partners, Joseph Stilwell has the power to direct the affairs of Stilwell Partners, including the voting and disposition of shares of Common Stock held in the name of Stilwell Partners. Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Partners with regard to those shares of Common Stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in">(D)&nbsp;Stilwell
Value LLC</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate number of shares beneficially owned: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percentage: 6.6%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to vote or to direct vote: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to vote or to direct vote: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to dispose or to direct the disposition: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to dispose or to direct disposition: 221,736</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;22 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&nbsp;&nbsp;&nbsp;Stilwell
Value LLC has not </FONT>purchased, sold or transferred any shares of Common Stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;Because he is
the managing member and owner of Stilwell Value LLC, Joseph Stilwell has the power to direct the affairs of Stilwell Value LLC. Stilwell
Value LLC is the general partner of Stilwell Activist Fund, Stilwell Activist Investments, and Stilwell Partners. Therefore, Stilwell
Value LLC may be deemed to share with Joseph Stilwell voting and disposition power with regard to the shares of Common Stock held by Stilwell
Activist Fund, Stilwell Activist Investments, and Stilwell Partners.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in">(E)&nbsp;Joseph
Stilwell</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aggregate number of shares beneficially owned: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Percentage: 6.6%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to vote or to direct vote: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to vote or to direct vote: 221,736</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sole power to dispose or to direct the disposition: 0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shared power to dispose or to direct disposition: 221,736</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph Stilwell has not purchased, sold or transferred any shares of Common Stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 6. Contracts, Arrangements, Understandings
or Relationships With Respect to Securities of the Issuer</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Other than the joint filing
agreement filed as Exhibit&nbsp;1 to this Schedule 13D, there are no contracts, arrangements, understandings or relationships among the
persons named in Item 2 hereof and between such persons and any person with respect to any securities of the Issuer, including but not
limited to transfer or voting of any of the securities, finders&rsquo; fees, joint ventures, loan or option arrangements, puts or calls,
guarantees of profits, divisions of profits or losses, or the giving or withholding of proxies, except for sharing of profits.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">See Items 1 and 2 above regarding
disclosure of the relationships between members of the Group, which disclosure is incorporated herein by reference.</P>

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

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

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

<TABLE 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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;23 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 7. Material to be Filed as Exhibits</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 7%; border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Exhibit<BR>
No.</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%; padding: 0.5pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: bottom; width: 92%; padding: 0.5pt 0.5pt 1pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Description</B></FONT></TD>
    </TR>
  <TR>
    <TD STYLE="vertical-align: top; padding: 0.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; padding: 0.5pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt; vertical-align: bottom; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joint Filing Agreement, dated September&nbsp;18, 2023.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

<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: 33%; border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 1pt 3.5pt 1pt 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUSIP No.&nbsp;44951J105</FONT></TD>
    <TD STYLE="width: 34%; border-top: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 3.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SCHEDULE 13D</FONT></TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 1pt 4pt 1pt 3.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page&nbsp;24 </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After reasonable inquiry and
to the best of our knowledge and belief, we certify that the information set forth in this statement is true, complete and correct.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date:</FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;September&nbsp;18, 2023</FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt">STILWELL ACTIVIST FUND, L.P.&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">By:</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"> STILWELL VALUE LLC</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">General Partner</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding: 0.5pt">/s/ Megan Parisi </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt; width: 50%">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt; width: 3%">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt; width: 3%">By:</TD>
    <TD STYLE="padding: 0.5pt; width: 44%"> Megan Parisi </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">Member</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL ACTIVIST INVESTMENTS, L.P.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL VALUE LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Partner</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL PARTNERS, L.P.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL VALUE LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Partner</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 44%; padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL VALUE LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">JOSEPH STILWELL</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Joseph Stilwell*</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph Stilwell</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border-bottom: black 1pt solid; padding: 0.5pt 3.5pt 1pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*/s/ Megan Parisi</FONT></TD>
    <TD STYLE="width: 50%; padding: 0.5pt 3.5pt 0.5pt 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD>
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attorney-In-Fact</FONT></TD>
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EXHIBIT&nbsp;1</B></P>

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

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

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
accordance with Rule&nbsp;</FONT>13d-1(k)&nbsp;under the Securities Exchange Act of 1934, as amended, the persons named below agree to
the joint filing on behalf of each of them of a statement on Schedule 13D (including amendments thereto) with respect to the Common Stock
of the Issuer and further agree that this Joint Filing Agreement be included as an Exhibit&nbsp;to such joint filings.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date:</FONT></TD>
    <TD STYLE="width: 96%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;September&nbsp;18, 2023</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt">STILWELL ACTIVIST FUND, L.P. </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">By:</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">STILWELL VALUE LLC &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">General Partner</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding: 0.5pt">/s/ Megan Parisi</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">By:</TD>
    <TD STYLE="padding: 0.5pt">Megan Parisi</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">Membe</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL ACTIVIST INVESTMENTS, L.P.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 44%; padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL VALUE LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Partner</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL PARTNERS, L.P.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL VALUE LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Partner</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 44%; padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">STILWELL VALUE LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Member</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">JOSEPH STILWELL</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: black 1pt solid; padding: 0.5pt 0.5pt 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Joseph Stilwell*</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding: 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph Stilwell</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border-bottom: black 1pt solid; padding: 0.5pt 3.5pt 1pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*/s/ Megan Parisi</FONT></TD>
    <TD STYLE="width: 50%; padding: 0.5pt 3.5pt 0.5pt 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Megan Parisi</FONT></TD>
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attorney-In-Fact</FONT></TD>
    <TD STYLE="padding: 0.5pt 3.5pt 0.5pt 0.5pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Transactions by Stilwell Activist Fund</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Nature of Transaction</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Date</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Number of<BR> Securities</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Price Per<BR> Share</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Total<BR> Purchase</B></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>or Sale<BR> Price</B></P></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 48%; font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">07/18/23</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">3,933</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">14.3444</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">56,416.53</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Transactions by Stilwell Activist Investments</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Nature of Transaction</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Date</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Number of<BR> Securities</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Price Per<BR> Share</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Total<BR> Purchase</B></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>or Sale<BR> Price</B></P></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 48%; font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 12%; font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">07/18/23</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">18,567</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">14.3444</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">266,332.47</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Sale of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">08/04/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">200</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15.7828</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,156.56</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Sale of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">08/07/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">200</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15.8484</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,169.68</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">09/05/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">200</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.6663</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,933.26</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">09/06/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10,063</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.4491</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">145,401.29</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">09/07/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">54,941</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.2000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">780,162.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">09/07/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10,052</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.2502</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">143,243.01</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">09/12/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,510</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.5000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36,395.00</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.5pt">Purchase of Shares of Common Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-left: 0.5pt">09/13/23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,840</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.5000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">55,680.00</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
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    <TD STYLE="font-size: 10pt; padding-left: 0.5pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center; padding-left: 0.5pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
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